Northwest 50 Plus Marion-Polk Edition November 2020 by Northwest50Plus

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Marion Polk November 2020

Honoring our Veterans Medicare Guide

Inside!

Holidays with the grandkids!

Heroes of the fires

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Northwest

50 Plus

VOLUME 23 | NUMBER 11

OREGON’S OLDEST & LARGEST 50+ PUBLICATION 3 Editions serving adults aged 50 and older Portland-Metro-Vancouver, Marion-Polk-Coast, South Valley: Linn-Benton Lane

JENNIFER MCCAMMON Publisher 971-200-9686 JMcCammon@northwest50plus.com DOREEN HARROLD Office Manager/Sales Assistant DHarrold@northwest50plus.com DEB JONES Sales Executive 503-910-6067 DJones@northwest50plus.com JENNA WEATHERLY Lead Designer JWeatherly@northwest50plus.com VERONICA MICEK Design Assistant CONTRIBUTING WRITERS Christy Doherty, Kristan Dael, Maggi White, Mary Owen, Steve Button PHOTOGRAPHY David & Wendy Meyers Christy Doherty P.O. Box 12008, Salem, OR 97309 4923 Indian School Rd. NE, Salem, OR 97305 503-304-1323 | 1-877-357-2430 | FAX 503304-5394 info@northwest50plus.com Northwest50Plus.com

CONTENTS

Medicare Guide 2021 Inside

The stories are legion. This is Brandon’s

Holidays

with the grandkids

Heroes of the fires

Charitable Giving: Avoid being prey for your kindness

Theres no getting over grief, but you can get through it

Gathering for fitness led to lasting bonds

Subscriptions $26/year | $49/2 years Printed by Eagle Web Press, Salem, OR Northwest 50 Plus is published monthly and locally owned and operated by Eagle Newspapers, Inc. The entire contents of this publication are copyrighted by Northwest 50 Plus. Any use of all or any part of this publication is prohibited without written consent of the publisher.

NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 3

Holiday

Charitable giving Avoid being prey for your kindness

cammers operate year-round, but the holidays present a unique opportunity to take advantage of kind, unsuspecting people. With Covid and the recent wildfires, there has been an uptick of victims.

Be scam savvy

Unfortunately, says Attorney General Ellen Rosenblum, “there are scammers out there who prosper off any disaster or holiday of increased charitable giving.”

“Unfortunately, there are some bad Guaranteeing sweepstakes winnings in actors out there who will prosper off any exchange for a donation is a scam and is disaster,” she says, adding that several lead- illegal. ing Oregon charities have joined together to create the 2020 Community Rebuilding Be wary of phone, email or door-to-door fund and Oregonians wanting to help those solicitations. affected by the fires are encouraged to give to participating organizations. Remember not all gifts are tax deductible. Gifts to individuals through GoFundMe Donors are encouraged to do their and similar platforms are not. Check the research through websites such as Guide IRS website. Make sure a charity provides Star, Charity Navigator, the Better Business written confirmation of your donation. Keep Bureau. You can confirm an organization is records.

It could come as a knock on the door, a phone call, or a piece of mail you were not expecting.

Scammers might tell you to keep it “secret”

It could be a request that you wire money or purchase pre-paid debit cards. You might be warned that if you don’t respond immediately, your prize winnings will be lost. Scammers often pose as banks, healthcare providers and government officials asking for identifying personal or financial information. Scams usually sound too good to be true. Do not give personal information to anyone you don’t know. You can usually detect a scam by the urgency in the speaker’s voice. Hang up. Never offer bank account information or social security numbers. Calls out of the blue asking you to wire money are a common scam practice and should not be taken seriously. The Oregon Department of Justice has seen an uptick in imposter scams related to wildfire donations.

By Maggi White

registered with the Oregon Department of Justice by checking the database or calling 971-673-1880. Never let anyone pressure, guilt or rush you into donating. Don’t assume charity appeals you see online or social media are legitimate, even if you receive one from someone you know. Scammers use names that sound like real charities. Search the organization name plus words like, “scam,” “fraud” or “complaint.” You want your donation to make a difference, and researching the receiving organization helps avoid scams.

If anyone ever asks for donations in the form of cash, gift card, or wired funds, don’t do it. Some scammers trick people into payScammers prey on kind and generous Or- ing them by thanking them for a donation egonians during disasters, says Rosenblum. they never made.

4 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

Know what percentage of your donation goes to the people who need it. Financial gifts rather than goods such as toilet paper, sleeping bags, etc. are encouraged as most nonprofits don’t have large storage facilities. Another scam is price-gouging during natural disasters. In Oregon, it is unlawful to offer or sell consumer goods or services at an “unconscionably excessive price.” This includes retailers and wholesalers that sell essential goods or services. A price is excessive if it is 15 percent or more higher than is customary. If you suspect price gouging, get as much information as possible, including a picture of the product name, brand, size and unit price. If online, take a screenshot of the online platform, seller name, product details and date. Keep the receipt. Call the Oregon Consumer Hotline at 503-378-8442 or send to oregonconsumer.org. For more information and printouts visit oregonconsumer.gov or call 877-877-9392. Report fake charity scams to ftc.gov/charity.

Elder Law & Estate Planning

Elder Law & & Estate Estate Planning Planning ElderLaw Planning We’d love to hear Elder from you! Elder Law & Estate Planning

You’re invited to join the Elder Law &Are Estate Planning thriving 50Plus community. We Open! & • Probate •• Guardianship Guardianship •• Conservatorship Conservatorship Wills & Trusts Trusts WillsWills & Trusts • Probate • Guardianship • Conservatorship We’re working on future Wills & Trusts • Probate • Guardianship • Asset Protection • Medical Directives • Veterans Aid & & Attendance Attendance Asset Protection VeteransConservatorship Aid AssetAsset Protection • Medical Directives • Veterans Aid Attendance Power Attorney Directives • Advance Directive Directive Medicaid Protection • Veterans•• Medicaid Aid & & Attendance Power of• Medical stories, and we’d love to Power Attorney ••Advance Directive • Medicaid Power of Attorney Advance Directive • Medicaid Wills & of Trusts • Probate • Guardianship • Conservatorship hear yours! Call Belcher Christopher Hamilton Call Kathy Kathy or Christopher Asset Protection • Medical Directives • Veterans Hamilton Aid & Attendance for a FREE 1½ Appointment for hour Appointment Call Kathy Belcher or Christopher Hamilton Call Kathy Belcher or Christopher Hamilton Power Attorney • Advance Directive • Medicaid Wills & of Trusts • Probate • Guardianship • Conservatorship for FREE 1½ hour•Appointment Your Secrets a aFREE 1½ hour Appointment Assetfor Protection • Medical Directives Veterans Aid & Attendance Power of Belcher Attorney • Advance Directive • Medicaid Call Kathy or Christopher Hamilton to living well after 50 for a FREE 1½ hour Appointment Call Kathy Belcher or Christopher Hamilton for a FREE 1½ hour Appointment

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Member National Academy of Elder Law Attorneys Member National Academy of Elder Law Attorneys 694 High St NE, Salem 503.371.9636 www.mcginty-belcher.com

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A non-profit Christian community on 42 picturesque acres in North Keizer. 3 meals daily with short-order menu, security, van service, housekeeping, beauty/barber shop, exercise room, walking paths, libraries, weekly church services & Bible study, social activity program. 24 hr. staff, active retirement living with RCF II. All units have beautiful view. Pets welcome. No Buy-In, 96 Independent apart., Studios starting at $1768, 1 BR/1 BA (some have 2 baths), 2 BR/2 BA cottages. No charge for second person.

Amenities: Independent Living Assisted Living/RCF/Foster Care Housekeeping Transportation Utilities Included Planned Activities Memory Care NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 5

By Christy Doehrty

ast, present and future, our men and women soldiers, sailors and pilots have made the ultimate sacrifice: giving themselves wholly in service for all of us. In observing Veterans Day, we give honor, respect, and gratitude to them all. They have written a blank check to citizens of America, sometimes with staggering consequences. Freedom has never been free, and today’s service men and women are the veterans of tomorrow. My father came home from World War II with relentless nightmares. He often woke up screaming. Diagnosed as “shell shocked,” he was prescribed sleeping pills and told to get on with his life. He did his best, and never spoke about the horror. I finally learned the details after his death.

However, PTSD — Post Traumatic Stress Disorder — wasn’t recognized then. The term came on scene in the 1970s, largely due to diagnoses of US Vietnam veterans. It was officially recognized by the American Psychiatric Association in 1980. Sadly, today PTSD is linked to rising numbers of veteran suicides. Estimates vary based on sources but range from 22 to 35 every day. One is too many.

He was career military, serving in the Korean and Vietnam Wars. A military bus filled with color guard came to Willamette National Cemetery to honor his passing. His peace of mind, however, was a casualty of war decades earlier. Episode 9, Season 4 of the television show “Garage Squad” tells the story of one American hero who lost his battle with PTSD. In it the squad teams up with David and Wendy Meyers, parents of US Marine Corporal Brandon D. “Bubba” Meyers, to honor him by completing the restoration of his treasured 1968 Chevy Malibu. Brandon bought the Malibu on e-bay while deployed during his first nine-month tour in Iraq. Restoring the car to its former glory was to be a father-son bonding project once he returned from war. Mario E Montiel, AAMS® Financial Advisor

IRT-4395D-A

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Member SIPC

www.edwardjones.com

Member SIPC www.edwardjones.com

After his second tour, this time 19 months in an Iraqi hellstorm, Brandon returned home, but he was different. One night his father David woke Wendy, telling her their son was on the roof. Brandon had told his father he was doing sniper duty.

Member SIPC

6 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

“He never, ever left Iraq,” Wendy says.

Diagnosed 70 percent disabled by PTSD, Brandon made it home, but he ended his own life at age 25. “Never take their word that they are okay,” says Brandon’s sister Tiffany Meyers. “This is affecting so many young people.” “Broadcast journalist Brad Edward of Chicago did a story about Brandon, and PTSD,” Wendy shares. “They won an Emmy for it and gave it to us. When I saw the clip, Brad Edwards said, ‘this is for you Ms. Meyers.’ I cried so hard.”

she raises go directly to those who train the magnificent service dogs. The healing comes bit by bit, and completing Brandon’s Malibu was a significant milestone. An unexpected blessing: the labor of love brought to light a long-held secret: Brandon had always planned to gift the restored Malibu to his father.

Help is available For all service members, veterans and concerned loved ones, help is available 24/7. A responder will always answer and ask a few questions. He or she will work to help you through any personal crisis, even if it does not involve thoughts of suicide.

Brandon’s parents honor him by driving the beautiful car, their destinations naturally including his place of rest in Elwood IL, at Abraham Lincoln National Cemetery. Wendy smiles, “His dream is alive now.”

Connecting is free, anonymous and confidential, available to all veterans and service member, including members of the National Guard and Reserve, if not registered with VA or enrolled in VA health care. Chat online at veteranscrisisline.net/gethelp/chat or call 800-273-8255 option 1, TTY 800-799-4889, or text 838255. The Emmy is displayed with other treasures honoring the service and memory of their young Marine. He had dreamed of joining up since the age of six. In the display, alongside dog tags and leatherneck badassery is a simple sign: “BE KIND ALWAYS.”

Wendy and David with the fully restored Malibu

A note from Wendy ~ “Please remember the men and women of our military who battle every day. . . in war and in their personal war at home. More die from suicide then the war itself. Please pray for them. See Wendy Meyers’ GoFundMe page at gofundme.com/8zi4z4

His mother says, “I’m not ashamed at all to say my son took his life, because the more people are aware, the more organizations are popping up and the more people are helping our veterans.” Wendy has undertaken fundraising on her own to provide service dogs to veterans with PTSD. “It’s what’s kept me alive,” she says. Her efforts — including a GoFundMe account, speaking engagements and car shows — have raised upward of $55,000 to date. But the impassioned mom isn’t finished yet. A trained PTSD dog can cost $15,000, and she wants to gift them for free. As long as there are veterans, she will probably never stop, she says. The funds NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 7

Grief

there is no “getting over it” but you can work through it By Steve B u tto n

oping with the death of a loved one is one of the most difficult struggles we face during our lives. Many people choose not to grieve, trying to avoid the emotional pain because it is so seemingly unbearable. However, unresolved grief can have many negative life outcomes, including depression, substance use and/ or behavioral disorders, increased anxiety, fear, health problems, accidents and drop-out rates, and diminished self-esteem and school performance. It can also lead to suicide. While we do not “get over it,” we can work through grief. The loss will always be a part of you and impact you throughout life, but how you grieve is very important and makes a profound difference in how you live for the remainder of your life.

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There is no right way or wrong way to grieve, and no specific “timetable” for grief. Experts have identified stages or tasks of mourning and grief. I find William Worden’s Four Tasks of Mourning very helpful. Though listed sequentially, most people move back and forth through the different stages of grief. Worden’s first task is acceptance of the loss. This involved rituals such as funerals or memorials, speaking of the person in the past tense, accepting the depth of the relationship and the impact of losing the relationship. Second is working through the pain of grief by accepting the strong emotions associated with death — sadness, fear, loneliness, despair, guilt, anger, and relief, among others. Third is adjusting to a reality in which the deceased is missing. This takes time and is related to how day to day roles and tasks are changed without that person in your life.

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The fourth task is to find enduring connection with the deceased while embarking on a new life.

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We must work to maintain an important emotional connection with our loved one while still finding meaning and purpose. This enables us to move forward and find happiness and even joy in life. Many people move through the grief tasks without realizing what they are. However, if you are struggling with grief, I encourage you to seek help and support. Support groups and individual counseling can provide the tools needed to move forward after the death of a loved one.

www.WillametteLutheran.com

Steve Button is a retired social worker. He was with the Suicide Prevention Action Network since 2001 and a QPR instructor since 1990.

Assisted living apartments on-site

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8 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

Marion Polk Edition November 2020

Medicare Guide

Open Enrollment Now Through Dec 7 2020

2021

INSIDE

▶ Compare plans from major health insurance carriers ▶ Find a local health insurance agent to help you through the process

Discover True Health

Join a community of care dedicated to your well-being. Find a Medicare Advantage plan that’s right for you at MyTruePlans.com/print Providence Medicare Advantage Plans is an HMO, HMO-POS and HMO SNP with Medicare and Oregon Health Plan contracts. Enrollment in Providence Medicare Advantage Plans depends on contract renewal. Providence Health Plan and Providence Health Assurance comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. H9047_2021PHA46_M NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 9

MEDICARE GUIDE 2021

Behind the

scenes

with a Medicare Counselor

hose approaching their 65th birthday often feeling anxious about enrolling in Medicare. But excellent support is available, and we thought you might like to hear from an expert to get a feel for how they can help. Bruce Bayley has been a volunteer counselor for SHIBA, the Senior Health Insurance Benefit Assistance program, since 2017. “Thinking about how difficult it was for me [to navigate Medicare], my heart went out to others. Peoples’ lives can be greatly affected by their healthcare coverage. They can be nervous and confused about how to make these important decisions. I can reassure them, explain their choices and narrow things down.”

It can seem complicated, Bayley says, because “there are multiple parts of coverage within Medicare, and each is structured differently. And when it comes to complementing

Medicare with additional coverage there are many, many choices of insurers.” In fact, he says, it feels so complicated for some that “they actually come in pissed off,” saying things like, “This is way too

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Territory: Washington, Marion, Polk, Yamhill counties Oregon

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MEDICARE GUIDE 2021

complicated!” Or “How are people supposed to do this? Are they trying to make this hard?” And most of all, “I don’t know what to do.” “I’m happy to help any way I can,” he says. “I try to explain things in a way that’s easy to understand.” Bayley starts with simple questions that help narrow the options, such as, “Do you have a doctor you go to regularly?” If the answer is yes, the choice of plans is narrowed to those which include the preferred physician. Likewise, people with employer-based insurance often have a preferred medical system. This too, helps narrow the choices. The questions continue, narrowing the choices and simplifying the decisions along the way. “Sometimes the exploration can get very detailed,” Bayley acknowledges, “down to specific medications a person may need. Medications can be a major cost for some people, and coverage from different insurance plans does differ.” SHIBA also helps people who already have Medicare coverage. Sometimes coverage changes year to year, and occasionally plans are discontinued so people need to find a new plan. Bayley recently helped a woman find a prescription drug plan that was more affordable for the chemotherapy drugs she needed after being diagnosed with cancer. He helped another client search for plans with fewer restrictions on physical therapy coverage. The annual open enrollment period, Oct 15 to Dec 7, is the time people can make these types of changes for the coming year

Don’t wait until your birthday Bayley encourages people to start learning about the essentials: Part A (hospital care), Part B (routine medical) and Part D (prescriptions) well before their 65th birthday. “Know the difference between supplemental ‘Medigap’ policies and Medicare Advantage plans. And consider your needs for vision, hearing or dental services,” he says.

Caring for clients often involves more than one meeting. “They come in and learn the basics, then come back after giving it some thought.” And, while he says it’s a challenge not being able to meet face to face right now, there are many helpful resources available. Under the ‘Plan Finder’ at Medicare.gov, for example, Bayley says,“Someone on 10 to 15 medications can plug them in and the site will identify the lowest cost prescription drug plan or Medicare Advantage plan based on a plan’s selection of brand-name and generic offerings. The Plan Finder shows the cost per year for each prescription. If you find a plan that fits, you can enroll right online.” Other recommended resources include the handbook offered to anyone turning 65, “Medicare and You,” and the SHIBA publication, “Oregon Guide to Medicare Insurance Plans.” After reviewing these materials, those seeking more help can contact SHIBA or a local insurance agent, who Bayley calls “trusted partners.” Bayley readily acknowledges how complicated Medicare can seem, but reminds people why that is: “Medicare was developed over decades,” he says. “Original Medicare started in the ‘60s,

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Take advantage of existing coverage Bayley has heard some say, “Before I turn 65, I’ll get my dental work done, vision care and a hearing test,” which he agrees is a good idea. “Use the coverage you have to the get things you know you need to have done. But don’t go after care you don’t need.”

(503) 804-6237 Beth.Nelson@HealthMarkets.com

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MEDICARE GUIDE MARION-POLK COUNTY 3 | NOVEMBER 2020

Skilled Nursing Care

Ambulance

Choice of Hospitals

Hospitalization

Emergency Care, USA/ Foreign

Routine Physical Exams

Per Doctor Visit

Choice of Doctors

Maximum Out-of-pocket (MOOP)

Monthly premium

$0 copay days 1-20 $184 per day, days 21-100

$350 per one way trip (ground or air)

Adventist, Legacy, OHSU, Tuality

$465 per day, days 1-4; $0 rest of stay

Emergency Room $90 copay, Worldwide Emergency coverage up to $50,000 with $0 copay

$0 copay for Primary Care $45 copay for Specialist

7,000+

$6,600

Health Net Ruby HMO

$0 copay days 1-20 INN/OON, $160 per day , days 21-100 INN, $195 per day days 21-100 OON

$380 per one way trip (ground or air)

Adventist, Legacy, OHSU, Tuality

$450 per day, days 1-4; then $0 rest of stay In Network, $500 per day, days 1-10; then $0 rest of stay Out of Network

Emergency Room $90 copay, Worldwide Emergency coverage up to $50,000 with $0 copay

$0 In-Network

$20 copay In Network, $30 copay Out of Network Primary Care, $50 In Network, $60 Out of Network Specialist

7,000+

$7,550 combined In and Out of Network

$0 (This plan offers a $29 Part B premium give back every month in your Social Secuirty Check.)

Health Net Violet 3 PPO

$0 days 1-20 $184 days 21 - 100

$250 copay

Providence, Tuality, Salem, Silverton, Willamette Valley, PeaceHealth SW Medical Center and others

Inpatient hospital care: $450 days 1-4 $0 days 5+

Emergency: $90

Annual physical exam: $0

Primary Care: $0 Specialist Visit: $40

Provider in-network: 10,000+

$5,500

$0 days 1-20 / $160 days 21 - 100 in-network 30% out-of-network

$250 copay

Providence, Tuality, Salem, Silverton, Willamette Valley, PeaceHealth SW Medical Center and others

Inpatient hospital care: $325 days 1-6 / $0 days 7+ / 30% out-of-network

Emergency: $90

Annual physical exam: $0 innetwork / 30% out-of-network

$15 copay In-Network/$40 Out-of Network for Primary Care, $35 copay In-network/$50 Out-of-network for Specialist

Provider in-network: 10,000+

$4,900 in-network / $10,000 out-of-network

$40

Providence Bridge 2

$0 copay for days 1-20, $167 per day for days 21-100 In-Network

$275 per transport

Salem Health, Santiam Memorial, Silverton Health, and others throughout our service area

$400 per day, Days 1-4 In-Network

$90 Copay covers emergencies in and out of the USA, no dollar limits

$0 copay

Primary Care: $15 In-Network / Specialist: $45 In-Network

Over 14,000

$6,200

$19

Regence Marion/Polk PPO

In-network: $0 per day for days 1-20; $125 per day for days 21-100 Out-of-network: $125 per day for days 1-100

In-network: $325 per day for days 1-6; $0 per day for days 7 and beyond* Out-of-network: $325 per day for days 1-6; $0 per day for days 7-90 *Unlimited number of days for an acute inpatient hospital stay Salem Hospital, OHSU, Santiam Memorial Hospital, Silverton Hospital, West Valley Hospital, Legacy Hospitals, PeaceHealth Hospitals. This is not a complete list of all of our contracted Hospitals. For a complete list, please see our Provider Directory. 20% of the cost for each one way trip

$90; Worldwide coverage

Primary Care: $15 innetwork/$35 out-of-network Specialist: $35 in-network/$50 out-of-network

5,000+

$4,500 for services you receive from in-network providers. $6,500 for services you receive from any provider.

$75

ATRIO Silver Rx (Willamette) (PPO)

Offerings from some major providers for the 2021 Open Enrollment Period (OEP) Oct 15-Dec 7, 2020

Providence Timber

Medicare Plans Hereâ&#x20AC;&#x2122;s what some major providers have to offer

MEDICARE GUIDE 2021

Website & Other Phone Numbers

Service Areas

Other Details

Members

Mental Health Therapy

Hearing Exams & Hearing Aids

Vision

Prescription Drug Copay/ Deductible

Prescription Drug Plan

https://or.healthnetadvantage. com/ 1-800-949-6921 (TTY:771)

Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill

Silver & Fit includes a basic membership at multiple gyms throughout the United States, integrated preventive Dental, Teladoc, integrated routine Chiro/Acu/Nat visits (subj to a copay and limited to 24 combined visits per cal yr)

23,000 +

$40 for outpatient Rehab session

Medicare Covered Hearing Exam copay $30, $0 copay for routine hearing exam each year, 2 hearing aids (1 per ear, per year)

$10 copay for Medicare Covered vision exam, $10 copay for Routine Vision Exam every calendar year, $250 Eyewear allowance every 2 calendar years

Deductible: $125 applies to tiers 3-5 only, Tier 1: Preferred Generic $3, Tier 2: Generic $8, Tier 3: Preferred Brand $37, Tier 4: Nonpreferred Brand $90, Tier 5: Specialty 30%, Tier 6: Select Care $0

Integrated Part D Benefit

https://or.healthnetadvantage. com/ 1-800-949-6921 (TTY:771)

Benton,Clackamas, Douglas, Jackson, Josephine, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill, Clark, WA

Silver & Fit includes a basic membership at multiple gyms throughout the United States, Teladoc, Nurse Connect

New Plan Offering

$40 In Network, $50 Out of Network for outpatient Rehab session

Medicare Covered Hearing Exam copay $30 IN Network, $50.00 copay Out of Network, $0 copay for routine hearing exam each year (INN ONLY) , 2 hearing aids (1 per ear, per year); Price based on level of technology

$10 copay for Medicare Covered vision exam, $10 copay for Routine Vision Exam every calendar year, $250 Eyewear allowance every 2 calendar years

Deductible: $200 applies to tiers 3-5 only, Tier 1: Preferred Generic $5, Tier 2: Generic $15, Tier 3: Preferred Brand $37, Tier 4: Nonpreferred Brand $90, Tier 5: Specialty 29%, Tier 6: Select Care $0

Integrated Part D Benefit

503-574-5551; 800-457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time); ProvidenceHealthAssurance.com

Marion & Polk counties

Available with a reduced premium for qualifying low income individuals $0 Express Care Virtual visits from the safety of your home Worldwide emergency coverage ($50,000 limit) Silver & Fit gym membership included at no cost Coverage for chiropractic and acupuncture services Preventive dental included with optional, additional coverage starting at $29.40

4,400+

Individual or group session: $40

Routine exam 1/year: $0 Hearing aids: $499/$799

Routine exam 1/year: $75 allowance Glasses & contacts: $100 allowance/year

Deductible: $150 Preferred generics: $0 Generics: $10 Preferred brand: $47 Non-referred drug: $100 Specialty drugs: 29% coinsurance

Included

503-574-5551; 800-457-6064; TTY: 711; Oct. 1 through Dec. 7, 8 a.m. to 8 p.m., 7 days a week (Pacific Time); ProvidenceHealthAssurance.com

Marion & Polk counties

200+

Individual or group session: $35 in-network 30% out-of-network

Routine exam 1/year: $0 in-network Hearing aids: $399/$699 in-network

Routine exam 1/year: $75 allowance Glasses & contacts: $150 allowance/year

Deductible: $100 Preferred generics: $0 Generics: $10 Preferred brand: $47 Non-referred drug: $100 Specialty drugs: 30% coinsurance

Included

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Over 55,000 PPO Members

$40 copay for outpatient therapy session In-Network

$45 for Medicare covered hearing exam In-Network; $0 for routine hearing exam In-Network; $699-999 copay per hearing aid

$0 copay for Medicare covered eye exam In-Network; $0 copay for routine eye exam In-Network, $0 copay for lenses, $100 towards eyewear per year

Deductible: $250 applies to Tiers 3-5 only; Tier 1: Preferred Generic $3; Tier 2: Generic $13; Tier 3: Preferred Brand $40; Tier 4: Non-Preferred Brand 40%; Tier 5: Specialty 28% / $0 copay for Tier 1 prescriptions if filled by Mail Order or 3 Month supply

Integrated Part D benefit

atriohp.com 877-672-8620; TTY 800-735-2900

Marion & Polk Counties

Fitness reimbursement included *Routine vision exam & hardware + preventive dental is available as an Optional Supplemental Benefit Package for $33 per month.

19,000+

$35 in-network/50% out-of-network

Medicare-covered hearing exam: $35 copay in-network/50% out-of-network Routine hearing exams & hearing aids not covered

Routine vision exam: $35 innetwork/$35 out-of-network Eyewear: $100 allowance every 2 years *See â&#x20AC;&#x153;Other Detailsâ&#x20AC;?

$200 Deductible Preferred Generic: $6*; Generic: $15*; Preferred Brand: $40; Non-Preferred Brand: $85; Specialty: $29%; Select Care: $0* *No Deductible 3 month discount

Includes Part D drugs

day for days 1-100

MEDICARE GUIDE 2021

Medicare Advantage (private prepaid plans) was introduced in the ‘90s, and prescription drug coverage was added in 2006. So, it can feel sort of patched together . . . which it is!” He also points out that, “Just like other insurance, clients must share in the cost. So, there are co-pays and co-insurance.” But, he adds, “This is good insurance, and it’s improving over time.” Like so many who work in helping people with Medicare, Bayley loves his work. “It’s really feel good,” he says. “I’m here to reassure people, to put things in perspective and cut through the

Resources SHIBA shiba.oregon.gov medicare.gov Bruce Bayley is a retired professional in healthcare research focusing on health care quality improvement, patient safety, and insurance for the underserved. As a people person and self-proclaimed “big picture guy,” serving as a SHIBA counselor has been a great fit.

Medicare Questions • Plan Options • Enrollment

Medicare can be confusing Medicare Annual Enrollment Period SHIBA is here to help (AEP) is running now through We are here to help... Publicly-funded resource December 7th We are here to help... 7 objective information ember Free and October 15 through DecMed icare

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up or change is the time to sign throu gh ription drug plans. Advantage and presc Medicare is the time to sign up or change plans. drug n riptio presc and e ntag Adva mak and Questions about Medicare? ember gh Dec plans7 throu 15help compare you e rcan is the time toOct signobe up or change Medicare icare Med ge ges. ) chan or chan up nt sign llme to -free enro time e (toll mak is the Call 134 and800 2-4 I CAN HELP! -72plans. Advantage and prescription drug n drug plans. Advantage and prescriptio gov on. reg ba.o Medicare Questions • Plan Options • Enrollment Shi -free7) ber visit or em 134 Questions Medicare? 2-4 gh Dec -72 throu 800 15compare October 15 through December 7 (toll rcan Call obe Octabout plans pare e can help plans com you help eyou Med isIthe timeHELP! to sign up or change Medicare ge CAN 2020 United Healthcare chan orba.o ngicare upFREE, gov sign d counseli on. to unbiasereg time the ges. is provides chan Shi SHIBA Becky Lippmann nt visit llme or and make enrollment changes. enro erelated mak nd. Advantage prescription plans. Medicare Sales Meetings and year-rou Medicare Questions • Plan and Options •Medicar Enrollment issues . plans e and drug n drug riptio presc eonand Advantag waste Independent MedicareRoom Broker/Agent We also help you fight fraud, counseli Broadway Coffeehouse -Stayton 2020 United Healthcare ng

W to help... heaers local classes year-round Off I am here to help! W Call: 800-722-4134 W W Visit: shiba.oregon.gov -free (toll 134 s ) 2-4 plan -72you pare 800 com Call 800-722-4134 (toll-free) help W Calle can 1139 Salem Ave. SE Use our ges. online Locator Tool chan nt on. gov llme reg e enro Albany, OR 97321 mak ba.o Shi visit orand Shiba.oregon.gov or visitW to find local help near you hetorehelp... are Weare We here

d e can help you compare plans FREE, provides us how! SHIBA Askunbiase Medicare Sales Meetings and abuse.

1300 Broadway St. NE, Suite 100 • Salem, OR 97301

Tuesday, October 22 • 10 a.m. to noon Tuesday, October 29 • 10 a.m. to noon Tuesday, November 5 • 10 a.m. to noon Tuesday, November 12 • 10 a.m. to noon Space is limited • Please RSVP to reserve a seat

year-round. and make enrollment issues changes.

related a grant from the ACL. e and on Medicar Broadway Coffeehouse -Stayton Room or in part through fraud, in whole for• Salem, Paid waste 1300 Broadway St. NE, Suite 100 OR 97301 We also help you fight

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Call 800-722-4134 (toll-free) Shiba.oregon.gov or visit ng d counseli -free) unbiase (toll FREE, 134 provides Space is limited • Please RSVP to reserve a seat 2-4 SHIBA Tuesday, October 22 • 10 a.m. to noon and abuse. Ask us how! Tuesday, October 29 • 10 a.m. to noon ACL. Tuesday, November 5 • for 10 a.m. noon or in part through a grant from the whole in to Paid Tuesday, November 12 • 10 a.m. to noon

Call 800-72 We can help you apply for Medicare savings programs and provide education about how or visit Shiba.oregon.gov to protect, detect and report Medicare fraud,

SHIBA provides FREE, unbiased counseling related issues year-round. e and on Medicar Beckyon Lippmann SHIBA provides FREE, year-round. unbiased counseling Medicare and related issues you fight fraud, waste also help Independent Medicare Broker/Agent on Medicare We and related issues year-round. Licensed in Oregon andWe Washington also help you fight waste Ask us how! We also help fraud, youand fight abuse. fraud, waste

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unbiased counseli nd. on Medicare and related issues year-rou We also help you fight fraud, waste beclippmann@yahoo.com and abuse. Ask us how!

FREE, SHIBAaprovides Paid for in whole or in part through grant from the ACL.

Paid for in whole or in part through a grant from the ACL.

waste and abuse. Ask us how!

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Medicare can be scary, but it doesn’t have to be.

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ter, and you. Michael Michael

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Serving: MEDICARE GUIDE MARION-POLK Marion, Polk COUNTY 6 | NOVEMBER 2020

Gathering for fitness created lasting bonds

ovid19 impacted fitness routines for many people early this spring and summer. One group, wanting to keep their routines going, got creative. They not only found a way to preserve their routines, but they also ended up with a network of lasting friendships that changed their lives. The group came from attendees of Enhance®Fitness classes at the Eugene Family YMCA. The class, held three times a week, is a CDC-endorsed program proven to increase cardiovascular health, muscle strength, bone density, mental sharpness, flexibility and balance for those dealing with arthritis, fibromyalgia and other chronic and acute conditions. After meeting over Zoom, Isabel and other class participants decided to walk regularly around the South Eugene High School track — maintaining physical distance but connecting in person. Isabel says Enhance®Fitness is her “solar social charge. We’ve come to know each other better through walking, and I now consider them my friends.”

Group member Mary agrees. “The whole class knows what’s going on with each other. We all support each other and it has helped provide me with a new community.” Instructors combine unique workout strategies and in-depth knowledge about human physiology. For many class members, mobility is limited and full-intensity workouts are difficult, so instructors encourage chair workouts to build strength, flexibility and balance. Isabel and Mary point to instructors Brynne and Kate for having encouraged

deeper and more meaningful experiences from the class because of their welcoming presence. It’s worked! Even a pandemic couldn’t keep these spirited folks from maintaining their connections. The group continues to meet, walk together and enjoy each other’s company — and they don’t plan to stop. To learn more about the group or get involved, contact Coordinator Brynne Blevins Andrus at enhance@ eugeneymca.org or 541-686-9622 x223.

• Ask about offers and rebates • Service on all brands • Senior citizen discounts • Ductless heat pumps

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503-378-7482 Family Owned and Operated Randy and Greg Melton CCB#124993 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 9

Holiday

with the Grandkids!

his year we’ve all had to get creative to celebrate special occasions in fun, memorable ways while protecting ourselves and others from the Corona Virus.

And while we’ve discovered the novelty and fun of drive-by birthdays and video chatting, we’ve also learned the challenge of achieving real togetherness while being apart — be it six feet or many miles. With the holidays upon us and many popular venues and events such as theatres and light festivals closed, once again it’s time to get creative. Rather than bemoan traditions we can’t enjoy this this season, let’s embrace the spirit of adventure and create new ones!

By K r i s t a n D a e l

Kitchen takeover Kids of all ages enjoy making holiday goodies. Start with a simple recipe and divvy up the tasks; for example, Cooper can mash bananas while Sage chops nuts. Cookies can be even more fun, as each child can go to town decorating his or her own. Handmade ornaments are another fun option. Very young grandkids will delight in arranging a simple snack with bananas, berries, kiwi, orange, nuts and whipped cream on a decorative plate. The activity is super simple, and you can help with the prep, but watch the littles craft their presentation and serve it with pride. Whatever you choose to do, keep the focus on enjoying it. Have everyone participate in preparations and cleanup as appropriate, and don’t stress if something’s done a little differently or less “tidily” than you normally would. That’s a true recipe for fun.

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10 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

Frosted Sugar Cookies (with gluten free option) These Frosted Sugar Cookies are a must for the holidays. Gift them, leave them for Santa, or hoard them for yourself! Cookie Ingredients

1 cup Butter (or Vegetable Shortening) 1 cup Sugar 2 large Eggs at room temperature 1 Tbsp Vanilla Extract 1 tsp Fine Sea Salt 1 tsp Baking Powder 3½ cups Unbleached White All Purpose Flour (or Gluten Free 1-to-1 Baking Flour), plus some for rolling out the dough

Instructions

Preheat oven to 350* and line baking sheets with silicon mats or parchment paper. In a medium bowl, sift together flour, salt and baking powder. Set aside. In mixer bowl, cream butter or shortening and sugar until light and creamy, about 1-2 minutes. Mix eggs in one at a time, beating after each addition then mix in the vanilla extract. Slowly mix in dry ingredients until completely incorporated. Dough should be slightly firm but still soft, not sticky, and not stiff. Place dough on a floured work surface (or floured parchment paper if working with gluten free flour). Roll until about 1/4-1/2 inches thick (cover gluten free dough with plastic wrap to help with rolling). Sprinkle on a little flour and rub evenly over the dough. Cut into shapes. Transfer the cookies carefully to prepared baking pans. Bake 8-10 minutes. Cool on baking sheet for a few minutes then on a wire rack until completely cool. Note: When re-rolling dough for additional cookies, dust the rolled dough with a little flour each time.

Frosting Ingredients 4 1/2 cups Powdered Sugar 1 1/2 cups Butter soft 1 tsp Vanilla Extract 2 - 3 Tbsp Milk or Cream (if needed)

Instructions Combine powdered sugar and butter and mix on low with a hand mixer or stand mixer for 1 minute. Increase speed to medium and mix until light and fluffy, about 3 minutes. Add vanilla extract. If frosting is too thick, add milk or cream to adjust consistency. Add food coloring if desired. Mix until combined, about 1 minute more.

NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 11

Truly heroic

Everyday Heroes

Response to recent wildfires by Christy Doherty

ets are our soul companions. Whether they fit in the palm of your hand or fill a livestock trailer, one thing is certain: finding they won’t all fit in your vehicle when escaping a wind-driven inferno is devastating. That’s when you call COWGIRL 911, a volunteer livestock and animal evacuation/ assistance group of men and women also known as angels with trucks, huge hearts and boots on the ground. “Flames shot 20 feet up and embers flew; that fire started us rescuing horses,” says Kristina Ruggles Fox of the Molalla RSG Mill fire. “My daughter Kianna and I left to get our horse trailer; our friend had 22 horses near the mill to evacuate.”

Not everyone owns a horse COWGIRL 911 member Cindie trailer, and no one wants to leave an Jean says, “It was beyond words. animal behind. They called us heroes, but without them, none of the rescues Rodney Akins Trailer Sales in Harrisburg and I did would have been possible, posted on Facebook, “Come grab and I know this is true for others. a trailer; use it until you’re done.” And in the middle of handing out

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Farmers there had received bareAnother helper, Shari Trujillo, ly 10 minutes’ warning to escape received heartfelt thanks from two this fire, which devastated feed, little Colton boys when she brought pastures and herds. Some cattle had their cows home. to be euthanized because the fire had burned so fast and hot it melted their hooves.

trailers, they had to evacuate their home. That’s the Oregon I grew up in.”

“We got there at 3:20 am. Pitch dark, but we could see how things were burned on both sides of the highway. Hundreds of evacuated animals were going to run out of feed the next day.”

After that Holmes worked many hours on the emergency Clackamas county fire line. “It was a redneck In the midst of loading and crew,” she laughs. “The lady who unloading donated goods at Colum- sent me out saw me, dirty and soot bia County fairgrounds, Jacquelyn on my face, and said, ‘Are you just Holmes of Clatskanie answered the getting back??’ When I said yes, she call to deliver emergency feed to burst into tears and said, ‘You saved cattle in Okanogan County, near the my house.’ I’ll remember her face Canadian border. forever.”

“They made me thank-you cards. One had my truck and trailer, both had cows. There was 45 cents taped to the paper to help cover our gas, which made me cry. I’ll frame

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those cards to remind me of the humanity during these past few weeks.” Trujillo says, “It took three of us four hours to catch and load their black cow — in the dark, in the smoke — and the fire was about two miles away.” Ruggles Fox also experienced the passion of families, and the trust and tension of their animals. “I knew how scared I was for my horses; I felt other people’s terror, and the horses’ fear. There were

You love the Oregon Coast! So why not retire in your favorite place?

times the sky glowed and the black smoke thickened. Flames rose over the ridge and I had to dig deep and drive straight into hell while everyone else was driving out of it. I drove around barriers to load up stubborn, panicked horses, hug their owners, and promise to get their babies out of harm’s way — because they wouldn’t evacuate until their horses were safe.” Ruggles Fox wept for the horses she couldn’t get to. While able to sneak through some barriers, other roads were completely blocked. Then, all she could do was pray and race to respond to the next urgent call for help. Traci Waud of Oregon City helped evacuate a local Arabian horse rescue. “It was truly amazing how many people showed up to help,” she says. “I loved how everyone came together to help and never once asked about religion, race, sexual orientation or political affiliation. It was about helping each other. Period.” “That is the Oregon I know and love,” she says.

Oceanview

Anyone Can Help

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Follow COWGIRL 911 on Facebook to volunteer. They can always use more help. They continue aiding those affected by the Okanogan fires as more hay deliveries are needed.

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14 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

Four Oaks LP

Salem: 24 Units Studio & One Bedroom

Wallerwood LP Salem: 22 Units One & Two Bedroom

Apartments are for Seniors 62 and over and Disabled Individuals. Income limits apply. Rents are based on 30% of your adjusted income. Some utilities included. Pets allowed with a deposit.

Contact the Waitlist Department at 541-743-7164

Help Wanted

Advertising in

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Untangling the Challenges of Aging Staying Safe at Home Online Symposium Join our expert speakers: • Hospice & Palliative Care • Beyond Grief: Memorials & Rituals • Aging in Place at Home • Advance Directives Session includes free download of legal form & workbook.

November 7, 2020 8:30 am – 1:00 pm KEYNOTE SPEAKER: Dr. Margaret Manoogian

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NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 15

NW Financial Insurance

Donna R. Green

Communication

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“Top-notch communication from beginning to the end and they were so patient!”

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Monmouth Senior Community Center • Lifelong Learning • Health & Fitness Classes • Meals Tuesday & Thursday • Group Travel • Clubs, Social Events, & Parties • Senior Resources • Free Medical Supply Program • 1st Saturday Monthly Breakfast

Come down and join us for coﬀee and a tour!

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16 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

971-304-7464 www.MAO-NW.com

Classifieds UNITS FOR RENT

FRIENDSHIP ADS

HUD SUBSIDIZED STUDIO AND ONEBEDROOM WAIT-LIST IS OPEN FOR NEW APPLICATIONS FOR PEOPLE 62 AND OVER. PET FRIENDLY, RENT INCLUDES W/S/G. JASON LEE MANOR IS A NON-PROFIT, EQUAL HOUSING, 75 UNIT APARTMENT COMPLEX. 1551 CENTER ST NE, SALEM, OR. 503-585-6511.

RETIRED SWF (73 YEARS YOUNG), DESIRES SWM, (70-75) WHO ENJOYS TRAVEL, MUSIC, DANCING AND CASINOS. WOULD LIKE TO FIND SOMEONE TO SHARE MY SENIOR YEARS WITH. GRESHAM/PORTLAND AREA. #5753

WANTED CASH FOR GOOD CONDITION RELOADING EQUIPMENT & SUPPLIES. 541-905-5453. DIABETIC TEST STRIPS WANTED. PAYING TOP DOLLAR! FREE LOCAL PICKUP. CALL SHARON, 503-679-3605. BASEBALL & SPORTS MEMORABILIA WANTED. BUYING OLD CARDS, PENNANTS, AUTOGRAPHS, PHOTOGRAPHS, TICKETS, PROGRAMS, PACIFIC COAST LEAGUE, ETC. ALAN, 503-481-0719. PRE 1980 SPORT & NON-SPORT CARDS, VINTAGE MODEL KITS, .10¢/.12¢ COMICS;PRE 1960 PULP MAGAZINES. CALL GORDON 503313-7538.

ADVENTUROUS, KIND, LOVING, AFFECTIONATE, NON-MATERIALISTIC, N/S, FUN, FIT, DWM, 59, SEEKS CF 50-70 FOR BEACH WALKS AND TALKS. WHAT’S YOUR INITIAL MEET IDEA? #5754

CLASSIFIED AD RATES PRIVATE PARTY

Covid Holidays — staying connection during the season of magic while staying safely apart For the

of Pets

Holiday Gift Ideas Medicare Guide Holidays with the Grandkids!

ISO = In Search Of LTR = Long Term Relationship WW = Widowed White WB = Widowed Black WA = Widowed Asian WH = Widowed Hispanic LGBT= Lesbian/Gay/ Bisexual/Transgender

EQUAL HOUSING OPPORTUNITY

Up to 20 words. $1.75 per extra word.

COMMERCIAL, REAL ESTATE

Up to 20 words. $2.50 per extra word.

CEMETERY PLOTS

Up to 20 words. $2.50 per extra word.

To submit your ad, email to classifieds@Northwest50Plus.com or call 1-877-357-2430.

All real estate advertising in this magazine is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This magazine will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. To complain of discrimination, call HUD toll-free at 1-800-669-9777. Toll-free for the hearing impaired is 1-800-927-9275.

55+ Community

Candalaria Plaza Apartments

• 1 bedroom/1 bath apartment $695/mo with 1 yr. lease

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Write the number of the ad you are responding to on the OUTSIDE of the envelope and mail to: Northwest50Plus, PO Box 12008, Salem, OR 97309.

Up to 30 words.

Hearing loops — Sort of like surround sound, this system interacts in a room, or a building, with hearing devices of all in attendance

M = Male F = Female S = Single D = Divorced W = White A = Asian B = Black H = Hispanic J = Jewish C = Christian N/S = Non-smoker N/D = Non-drinker

TO RESPOND TO A FRIENDSHIP AD:

FRIENDSHIP ADS

Coming up

FRIENDSHIP AD ABBREVIATIONS

• 2 bedroom/1 bath apartment $795/mo with 1 yr. lease • 2 bedroom/2 bath apartment $825/mo with 1 yr. lease Private patios • Pet friendly w/restrictions On-site laundry • Close to all shopping Water/sewer/garbage Paid

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& More! NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020 17

Discover

True Health Join a community of care dedicated to your well-being. We’ve been working to raise the standard of health and well-being in the community for more than 160 years. Providence Medicare Advantage Plans offer community-focused care, wherever you go, through a vast network of doctors, specialists, and facilities. Plus, many plans offer personalized hearing services and comprehensive dental options. Enroll now at MyTruePlans.com/print or call (866) 713-2186 (TTY: 711) 8 a.m. to 8 p.m. (Pacific Time), every day. Providence Medicare Advantage Plans is an HMO, HMO-POS and HMO SNP with Medicare and Oregon Health Plan contracts. Enrollment in Providence Medicare Advantage Plans depends on contract renewal. Providence Health Plan and Providence Health Assurance comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. H9047_2021PHA44_M 24 NORTHWEST 50 PLUS MARION POLK | NOVEMBER 2020

Northwest 50 Plus Marion-Polk Edition November 2020

Articles inside

Charitable Giving: Avoid being prey for your kindness

Theres no getting over grief, but you can get through it