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Director's Message

Medicare Part D Summer 2005

Medicare Part D

July/August 2005


Summer is here. Many people are off to share cooler climes with family.    For those who remain in Princeton, many programs will continue. In addition, we are offering a respite with a weekly movie series and Trade-a-book table. The staff at PSRC is busy planning activities for the Fall. We have another exciting Evergreen Forum semester starting in late September, with registration starting right after Labor Day. We have begun planning a “Plan for the Future Day” on October 1 with Vivian Greenberg as keynote speaker, and Flu Shots are scheduled for November 10 and 18. This year, we will be offering health screenings along with the Flu Shots. We will also do a workshop for long-distance caregivers.


PSRC welcomes Abigail Waugh as LINK and Outreach Director. Abigail grew up in Princeton and recently earned an MSW from Smith College. She will be a part of the social service team at Spruce Circle and visiting people in the community.



I just returned from a conference on the upcoming White House Conference on Aging, sponsored by the New Jersey Foundation for the Aging. I attended an excellent workshop on the upcoming roll-out of Medicare Part D on January 1, 2006. 


This is something of interest to all of you with Medicare. You will soon begin to receive a lot of mail on this, which is likely to be confusing. Those of you with low incomes may already be getting forms from Social Security or PAAD that must be filled out. Please contact us or a SHIP counselor if you have questions. We will hold a first information session on June 27 at 11 am, and host a full workshop at the October 1 Plan for the Future Day on this topic. Here are some of the things I learned. New information will continue to be made available over the next 6 months as details are worked out, such as who the approved Plan Providers will be in NJ.


If you currently receive PAAD, and your reported income is estimated to be under $14,355-single ($19,245 couple) per month, you have recently received a form asking you to report your assets as well as your income. The purpose of this letter is to evaluate whether you are eligible for federal assistance to pay for your Part D entitlement. The assets will not affect your PAAD eligibility. You must complete and return the form by July 6If eligible, you will receive another letter in the fall regarding enrollment. You will not have to pay for Part D and your copay will continue to be $5 per prescription, with Federal funds subsidizing PAAD.


Social Security is also sending letters to individuals it has identified as possibly being eligible for federal assistance, based on your social security income. You must complete the application form to receive this assistance.


 If you currently receive PAAD, and your reported income is over $14,355, you will not receive this first letter as you are not eligible for federal assistance. You will continue to receive PAAD with a $5 copay. This entire benefit will be subsidized by New Jersey funds. If you currently receive Senior Gold, wait for further instructions.


If you currently receive both Medicare and Medicaid, your prescriptions will no longer be paid for by Medicaid, but will be paid by Medicare. You must select a plan or you will be automatically enrolled. You will now have a copay for each prescription.


If you currently have prescription coverage with your past employer plan, the employer has four options: a) offer a comparable or better prescription plan, b) provide no coverage, c) become a plan provider, e) supplement the Medicare plan. Some may opt to pay the Plan D premium for you. 


If you have a Medicare HMO or PPO plan, this provider will be your prescription plan provider, unless you switch. If you have traditional Medicare or if you are newly turning 65, you MUST choose a plan provider in the designated time period. There is a penalty for opting to sign up later. Medicare Part D is an optional benefit, like Part B. 


The monthly cost of the Part D benefit is estimated to be about $37 per month for 2006. There may be some differences between plans. There are a multitude of other bits of information about Part D that will not fit on this page. We will host an information session to help those who have received forms from Medicare or Social Security on June 27 at 11 am at the Suzanne Patterson Building, and offer a full workshop on October 1 at Plan for the Future Day. 


Don’t forget about the Mercer County Prescription Savings Card for a 10-50% savings. For more information call 1-800-633-0037. Rx4NJ also offers qualified residents discounted or free prescriptions. Go to or call 1-888-793-6765.


Susan W. Hoskins LCSW



  • POWER NAPS- Scientists say that many of us are sleep-deprived, and that everyone has a mid-day drop in alertness, about 8 hours after waking. A power nap at this time can improve alertness, memory, creativity, concentration, mood and energy. They can also reduce stress-induced hypertension and heart attacks. The key is to make sure that your nap is no longer than 15-20 minutes, or you will feel groggy and may have trouble sleeping at night. (Home Health Spring 2005).
  • THE KEYS TO LIVING TO 100- from the Centernarian Study (K. Ferrin, What’s Age Got To Do With It). The determinants are 70% lifestyle and 30% genetics. 

Ø      Attitude: Feel good about yourself

Ø      Engagemet: Stay involved

Ø      Activity & Mobility: Maintain activities of daily living, walk

Ø      Adaptability to Loss

Ø      Faith & spirituality: To make sense of things that don’t

People living today are spending 1/3 of their life in retirement. The number of people over 65 will double by 2050. 1 in 3 girls born today will live to be 100.


  • HELP FOR CAREGIVERS- a study by Johns Hopkins found that 41% of family caregivers are willing to accept help from outside sources, but that they prefer that such help come from local community or religious organizations. 80% of congregations in the US report that they offer some form of caregiving assistance, but most admit that they are serving a small portion of those in need and they have a limited range of services to offer. Make sure that your faith community knows that PSRC can help older adults, their caregivers AND the community supporting the caregiver.
  • MEDICARE PREVENTIVE SCREENINGS- Medicare has recently approved payment for some preventive screenings for diabetes and cardiovascular health, as well as a physical for new enrollees and tobacco cessation support. Ask your doctor about them!

Susan W. Hoskins LCSW

Previous Messages

October 2017: HomeFriends Celebrates 30 Years!

September 2017: Annual Report

July/August 2017: Preferred Caregivers: Daughters

June 2017: Cues & Clues

May 2017: Recharging

April 2017: GrandPals Celebrate 20 Years!

March 2017: Multi-generational Households

February 2017: No One Ages Well Alone

January 2017: Help at Home

December 2016: Gratitude

November 2016: Family Caregiving

October 2016: Annual Report

September 2016: Corporate Healthcare

July/ August 2016: Strategic Planning

June 2016: Is Your Home Age- Friendly?

May 2016 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: Is 60 the New 40

April 2015: Spring

March 2015: On 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


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


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

© Princeton Senior Resource Center
45 Stockton Street, Princeton, NJ 08540
Suzanne Patterson Building 609-924-7108
Spruce Circle 609-252-2362
Suzanne Patterson Building 9AM-5:00PM
Spruce Circle 10:00AM-4:00PM,
Every Weekday Unless Otherwise Noted