Savvy Senior: Misleading Medicare Advantage Ads: What to Look Out For
Article narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
I’m currently enrolled in original Medicare but have been thinking about switching to a Medicare Advantage plan during the open enrollment period. Many of the Medicare Advantage ads I’ve seen offer lots of extra benefits beyond what traditional Medicare offers and no monthly premiums. What are your thoughts?
Considering a Switch
Dear Considering,
Be very leery of the Medicare Advantage ads on TV, radio, social media and that come in the mail. While many of these ads may tout free vision, hearing, dental and other benefits with zero monthly premiums, they aren’t always what they claim to be.
Advantage Basics
Medicare Advantage or MA plans (also known as Medicare Part C) are government approved health plans sold by private insurance companies that you can choose in place of original Medicare. The vast majority of Advantage plans are managed-care policies such as HMOs or PPOs that require you to get your care within a network of doctors in a geographic area. You can sign up for one of them during open-enrollment season from Oct. 15 through Dec. 7.
Savvy Senior: Top TV Remotes for Elderly Seniors
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
Can you recommend some simplified universal television remotes for seniors? My 88-year-old dad, who lives in a retirement community, has some dementia and gets confused with all the buttons on his remote. As a result, he keeps accidently reprograming his TV set.
Searching Son
Dear Searching,
Most modern TV remotes – that come with dozens of unnecessary buttons – can be confusing for anyone to operate but can be especially challenging for elderly seniors. Fortunately, there are several universal TV remotes available that are specifically designed for older adults with vision, memory, or confusion issues, as well as those that are technologically challenged. These remotes have bigger buttons and paired down options that make them much easier to see and use. Here are three top choices to consider.
Savvy Senior: How to Find a Medical Escort After a Procedure
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
Can you recommend some medical escort services that help seniors get home after a medical procedure? I need to have a colonoscopy, but my doctor’s clinic won’t schedule my appointment unless I supply them with a name and phone number of the person taking me home afterward. I live alone with no family nearby, and my friend doesn’t drive anymore. Any suggestions?
Need a Lift
Dear Need,
Good question! Finding “door-through-door” medical escort services for outpatient screenings and procedures that involve anesthesia can be challenging for older patients without nearby family or friends to rely on.
Savvy Senior: Protecting Your Pets After You’re Gone
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
What is the best way to ensure my pets are taken care of after I’m gone? I have two dogs and a cat that are my four-legged family, and I want to make sure they’ll be well taken care of after I die.
Solo Senior
Dear Solo,
It’s a great question. Every year, approximately 500,000 cats and dogs enter shelters when their pet parents experience an emergency or pass away. Without a proper plan in place for the future care of your pets, they are at risk of ending up in a shelter where they could be euthanized.
Savvy Senior: Do You Need Life Insurance After You Retire?
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
Do I still need life insurance after I retire? I’ve been thinking about dropping my policy to escape the premiums. Is this a good idea?
Approaching Retirement
Dear Approaching,
It depends on your family and financial situation. While many retirees choose to stop paying their life insurance premiums when they no longer have young families to take care of, there are several reasons you may still want to keep your policy. Here are some different factors to help you decide.
Savvy Senior: Three Vaccines Seniors Should Consider Getting This Fall
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
Which vaccines are recommended for Medicare seniors this flu season?
Just Turned 65
Dear Just Turned,
There are actually three different types of vaccines seniors should consider getting this fall to protect against a repeat of last winter’s “tripledemic” of respiratory illnesses, which included flu, RSV and coronavirus. Here’s a rundown of the different vaccines the Centers for Disease Control and Prevention (CDC) is recommending and how they are covered by Medicare.
Senior-Specific Flu Shots
For people age 65 and older, there are three flu vaccines (you only need one) that the CDC recommends over traditional flu shots.
These FDA-approved vaccines provide extra protection beyond what a standard flu shot does, which is important for older adults who have weaker immune defenses and have a greater risk of developing dangerous flu complications compared with younger, healthy adults. The three senior-specific options include the:
- Fluzone High-Dose Quadrivalent vaccine, which contains four times the amount of antigen as a regular flu shot does, creating a stronger immune response for better protection.
- Fluad Quadrivalent vaccine, which contains an added ingredient called adjuvant MF59 that also helps create a stronger immune response.
- FluBlok Quadrivalent vaccine, is a recombinant protein (egg-free) flu vaccine that contains three times the amount of antigen as compared with a regular flu shot.
Savvy Senior: Does Medicare Cover Second Medical Opinions?
By Jim Miller
Dear Savvy Senior,
Does Medicare cover second medical opinions? The doctor I currently see thinks I need a knee replacement, but I would like to get some other treatment options before I proceed. What can you tell me?
Limping Larry
Dear Larry,
Getting a second medical opinion from another doctor is a smart idea that may offer you a fresh perspective and additional options for treating your knee so you can make a more informed decision. Or, if the second doctor agrees with your current one, it can give you some reassurance.
Yes, Medicare does pay for second opinions if your current doctor has recommended surgery, or some other major diagnostic or therapeutic procedure.
Savvy Senior: Best Stair Lifts of 2023
By Jim Miller
Dear Savvy Senior,
Because of chronic arthritis, I have a very difficult time going up and down stairs anymore and am interested in purchasing a stair lift for my two-story house. Can you recommend some good companies?
Arthritic Andy
Dear Andy,
Yes, of course! A good home stair lift is a great mobility solution for anyone who is unable, or has a difficult time climbing stairs. To help you choose a quality stair lift that meets your needs and budget, here are a few shopping tips along with some top-rated companies.