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Director's Message

November 2013 - Healthcare Marketplace

The Healthcare Marketplace opened October 1 and has been central in the news for months. There continues to be a lot of confusion about it, partially because it is so politicized and partly because lawmakers are barely a half-step ahead of implementation deadlines. I will try to address some key points that you should understand.

 First, full disclosure, I do support the concept of affordable health care for all. I also have an adult son who does not have a job that provides healthcare, so I hope this will help him. I appreciate that we have been able to keep the kids on our policy until age 26. I’ve attended several seminars, and have gained understanding but there is still much to learn.

Most of you are covered by Medicare, so the Marketplace does not apply to you. The changes for Medicare recipients mandated by the Affordable Care Act are in place, and include additional prescription coverage in the “donut hole” and more preventive care. Some of you may find that your insurance company is discontinuing your Advantage plan because their extra subsidies were cut, or that doctors are dropping Medicare because of fears of reduced reimbursement or opposition to electronic records. You may have to change providers of medical equipment to a contracted provider. But you also may find that your primary doctor has added services to prevent hospitalization, for which they receive additional incentives.

If you are on Medicare, this is also the time to evaluate your current plan. The Medicare Open Enrollment period is October 1 to December 7. Make sure your plan covers your prescriptions and that you still want the Original or Advantage plan you chose. For help with review or changes, call SHIP at 609-924-2098.

There are also readers who may be eager to explore the Marketplace. Many of you have asked at Engaged Retirement seminars how to get affordable health insurance if you retire (or get laid off) before age 65 and your job won’t continue coverage. The Marketplace is for you. It is also for you if you retire and start Medicare, but your spouse, who was on your plan, is not yet eligible. Some of you may have been helping adult children or grandchildren pay premiums; the Marketplace may help.

Low income individuals should be particularly attentive to New Jersey’s plans for Medicaid Expansion, which will enable adults up to 133% of poverty (single $15282/yr) to receive Medicaid. For information, contact NJFamilyCare. Open enrollment began October 1.

A predictable by-product of any massive and confusing change is that scammers abound. Do not let someone tell you that your Medicare is not valid, that you need to re-enroll, that they’ll help you choose a plan. Sort the real mail from the scams. Official Medicare mail has a government seal or logo. Trust your intuition, call to verify. Don’t give out personal information such as your Medicare number and birthdate. Look up the number and call them back. Report fraud. Ask us or a trusted advisor for help.

The primary website for more information on the Marketplace is www.healthcare.gov. AARP has helpful information and Consumer Reports has created an online guide at HealthLawHelper.org, as well as a ranking of health plans (consumerreports.org/healthinsurancerankings). We’ll pass along other resources as we learn of them.


Susan W. Hoskins LCSW

Previous Messages

Preferred Caregivers: Daughters

Cues & Clues

Recharging

GrandPals Celebrate 20 Years!

Multi-generational Households

No One Ages Well Alone

Help at Home

Gratitude

November 2016 Family Caregiving

October 2016 Annual Report

September 2016 Corporate Healthcare

Strategic Planning

Is Your Home Age- Friendly?

May 2016 Director's Message Part 2 - We Need Your Help

May 2016 - Part 1 - Going Solo

April 2016 - Volunteering

March 2016 - Partners In Caring

February 2016 - PSRC's Strategic Plan

January 2016 - Hope

December 2015 - Gratitude

November 2015 - Helicopter Children

October 2015 - Is Princeton An Age Friendly Community?

September 2015 - Annual Report

July & August 2015 - Family and Community

June 2015 - A Gift that Keeps Giving

May 2015 60 Is the New 60

April 2015 - Spring

March 2015 - Being Mortal

February 2015 - Mentoring

January 2015 - Winter Blues

December 2014 - Leaving A Legacy

October 2014 An Age Friendly Future

September 2014 Annual Report

July - August 2014

June 2014 - Romance After 50

May 2014 - Your Virtual Estate

April 2014 - Memory and Forgetting

March 2014 - Aging in Community

Observational Stay

February 2014 - Family Caregiving

January 2014 - Attitudes about Aging

December 2013 - Giving

November 2013 - Healthcare Marketplace

October 2013 - Annual Report 2013

September 2013 - Total Brain Health® Fair

July - August 2013 My cat, My Father and Me

June 2013 - Age Friendly Communities

May 2013 - Navigating a Changing HealthCare Landscape

April 2013 - Becoming Visible

March 2013 - Navigating Life’s Transitions

February 2013 - Partners in Caring Princeton

January 2013 - Men as Caregivers

December 2012 - The Safety Net

November 2012 - Going Solo

October 2012 - Documenting Your History

September 2012 - A Journey of Transformation

July - August 2012 - Gratitude & Moving

June 2012 - Diversity

May 2012- Aging in America

APRIL 2012 - TEN YEARS

March 2012 - Patient-centered Care

February 2012 - Can you Spare an Hour?

January 2012 - Challenges & Opportunities

December - Are you Prepared for Emergencies?

November - We need YOU!

October - Chocolate for Memory

September- Looking Back and Looking Forward

July - August 2011; Ageism

June 2011 - Accessibility

May 2011 - Paper retention

Knit Wits, April 2011

Lessons and Legacies, March 2011

Independent Living February 2011

Home Safety January 2011

Witness to my Life December 2010

Elections, benefits and open enrollment November 2010

Retire in 3D!

Strategic Planning September 2010

Am I Old? July 2010

Memory Clutter June 2010

Aging In America May 2010

Volunteering April 2010

Spirituality March 2010

Estate Planning February 2010

Encore Careers January 2010

Hiring Home Care December 2009

Annual Giving by Sharon Naeole November 2009

Flu Pandemic 2009 October 2009

Healthy Memory, Healthy Mind September 2009

A Personal Perspective on Caregiving July/August 2009

TRANSPORTATION May 2009

Wei Ji: Crisis, Danger and Opportunity April 2009

Write your own obituary March 2009

Hobbies February 2009

Hope and Vision in Challenging Times
January 2009

Medicare Changes 2008: Take A Look! December 2008

Scams, Frauds and Rip-offs November 2008

Engaged Retirement: Beyond Financial Planning October 2008

September 2008 Caregiver Dilemmas

Finding Rhythm and Purpose July/August 2008

Spring Cleaning II June 2008

V + OA = ER (Volunteering + Older Americans=Engaged Retirement)May 2008

Spring Cleaning April 2008

Have You Had the Talk Yet? March 2008

Get Moving with FitRhythms™! February 2008

My Condolences January 2008

Advocacy December 2007

What Are Social Services? November 2007

Sensitive Topics October 2007

Plan for the Future September 2007

The Up-side of Aging Summer 2007

Volunteering June 2007

Strategic Plan May 2007

National Conference on Aging: Let's ReThink Aging April 2007

Brain Health March 2007

Resiliency February 2007

Transportation January 2007

Season of Giving December 2006

Medicare Part D November 2006

April Hill McElroy October 2006

Civic Engagement September 2006

Change June 2006

White House Conference on Aging May 2006

Hearing Loss April 2006

GrandPals March 2006

Lets Talk February 2006

Eldertopia January 2006

Hoarding December 2005

Annual Report: November 2005

Are You Prepared? October 2005

Planning Ahead October 2005

Watch Your Language September 2005

Medicare Part D Summer 2005

Sue Tillett June 2005

The End of the Journey May 2005

Clutter March 2005

New Dietary Guidelines February 2005

Transitions January 2005

Funding December 2004

Caregiving November 2004

Civic Engagement with GrandPals October 2004

A New Look September 2004

Safe Driving Summer 2004

Food Safety June 2004

Communication June 2004

The Challenge of Giving Care May 2004

Seniors On The Move April 2004

Depression March 2004

McGreevey February 2004

Medications January 2004

Random Acts of Kindness December 2003

Civic Engagement November 2003

Reverse Mortgages Oct 2003

Emergency Preparedness, Jan 2003


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