Northwest 50 Plus South Valley Edition December 2020 by Northwest50Plus

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South Valley December 2020 Your companion for living well in the northwest

Keeping the

holiday spirit

alive during the pandemic

Holidays with the Grandkids

The Smile! An unexpected

episode

gift

MED IC GU I AR E DE IN SI D E

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contents Can you feel it? That magical feeling this time of year feels a little different, right? Everything’s been a little different this year! One thing’s for sure — it has been memorable. This issue offers stories and ideas for fun that we hope will brighten and lighten your season as we continue to social distance and use safe practices. We wish you comfort and joy this holiday season, and hope you’re able to enjoy time with family — by phone, zoom, or at a safe distance. As we close this challenging, often baffling chapter called 2020, we look forward to sharing new beginnings with you. We’re working to bring you fresh ideas, inspiring stories, and compelling content highlighting trends, opportunities and ways to live your best life. Thank you for being part of the 50Plus family. Here’s to holidays filled with love and a happy new year!

5 Tips for Successful Aging These tips are a little philosophical, a lot practical.

Keeping the Holiday Spirit Alive During the pandemic

For the

♥of Pets

Adopt Me / Meet Pepito

GET OUT with the GRANDKIDS! The Smile! episode. Great easy photo projects to encourage fun and storytelling while creating treasured keepsakes.

To BUY or not to BUY right now Check out the best buys — and purchases to hold off on — this month and next.

MEDICARE GUIDE Find us on social media @Northwest 50 Plus

INSIDE

An Unexpected Gift

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

5 Tips for successful aging by Michele Biggart

VOLUME 24 | NUMBER 12

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 DJones@northwest50plus.com TAY JUNCKER Lead Designer TJuncker@northwest50plus.com VERONICA MICEK Design Assistant CONTRIBUTING WRITERS Vanessa Salvia, Michele Biggart, Joann Markham, Kristen Dael, Candy Puterbaugh, Mary Owen

When Jo Ann Jenkins, AARP CEO and author of Disrupt Aging, received "over the hill" cards and sentiments on her 50th birthday, she realized she wanted to challenge outdated beliefs about aging and encourage others to celebrate aging well. Jenkins’ book explores living fully at every life stage, and encourages retirees and soon to be retirees to embrace the following ideas supporting living well as an “Active Adult.”

Self Actualization. Active Adults are independent

people who seek connection, engagement, wellness and liked-minded peers.

Knowledge is Power. Thinking of downsizing? Learn the difference between communities and campuses for people 55+. What do they offer for mental and physical wellbeing, now and in the future?

Have the Conversation. Consider friends, family and children who will have influence in your future. Proximity to them as well as their physical and emotional support will contribute to your health and happiness.

Make a Plan. It’s important to have a plan before the

potential for a crisis arises. Aging can bring different challenges, and no one has a crystal ball. Planners tend to have more positive outcomes as they are mindful of future needs for comfort, care and health.

5 P.O. Box 12008, Salem, OR 97309 4923 Indian School Rd. NE, Salem, OR 97305 503-304-1323 | 1-877-357-2430 FAX 503-304-5394 info@northwest50plus.com Northwest50Plus.com Subscriptions $26/year | $49/2 years Printed by Eagle Web Press, Salem, OR

Be Not Afraid. Change is hard! After retirement, routines, surroundings and support can change. This needn’t be troublesome, but it is a new normal. Today, older adults are better equipped than ever to navigate the challenges and excitement to come. If you have reached this stage and consider yourself an Active Adult, congratulations! The best is yet to come, and the possibilities are endless. You are not simply “over the hill.” You are exploring and securing what can be the best years of your life.

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 | SOUTH VALLEY December 2020

An Unexpected Gift by Candy Puterbaugh

Flying to Louisville for Christmas last year didn’t begin with the usual seasonal sparkle. I was reminded that a seatmate can make or break a flight. The first leg was the breaker when the man next to me offered his elbow but no words or eye contact. The maker came during the final leg — a front-row aisle seat with extra leg room... and Tyler. Young and fresh-faced, he sported cropped hair, smudged glasses, and legs that needed the extra room. A bit fidgety, he gazed briefly out the window, then at me, then back out the window. At last he said, “This is my first time home in four months, ma’am.” We were still talking as we landed two hours later. Tyler was 22, a Marine, and was surprising his half-sister on her 19th birthday and his mother for Christmas. He grew up in small towns. He said Greenville and Campbellsville were good places to grow up, but now he wanted to learn new things. He had no father and his 40-year-old mother had health problems, including epilepsy. “She’s the strongest person I know, ma’am,” he said. “I admire her a lot.” He’s tracked down other half siblings, vowing to stay connected.

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(Cont. on page 8) } } } NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

Keeping the

Holiday Spirit Alive During the Pandemic by Vanessa Salvia

â&#x20AC;&#x2DC;Tis the season for celebration and adventure. For many folks, the annual Thanksgiving gathering or cozy Christmas eve dinner may not be on the table this year given the unknowns due to the pandemic. Still, there are ways to include loved ones this year and even host that gathering â&#x20AC;&#x201D; given a little thought toward simple precautions. Becky Hart, owner of Event Crush in Eugene, says many of her clients are suspending events, but those who aren't are taking planning to the next level. "When planning winter weddings and other events, things we've done to avoid a lot of mingling include things like food service," Hart says. "Instead of everyone going to the buffet, touching the same tongs and serving spoons, we're doing plated dinners and serving the appetizers. We're keeping people at their tables for the majority of the evening." Another safe option is having beverages served at the table rather than people congregating at a bar. When planning seats, consider

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

each table as a family unit and group those already in contact. Have handwashing stations and plentiful hand sanitizer on hand. Place disinfecting wipes in bathrooms and ask guests to wipe down surfaces after use. Nikole Garcia's family in Eugene is accustomed to distanced holidays as her children have grandparents in Massachusetts. For them, opening gifts on Christmas morning over FaceTime is typical. "The kids get their boxes, and everyone sits down for the call," says Garcia. FaceTime allows users to make video calls from an Apple device such as iPhone or iPad. Android devices offer similar apps, such as Duo.

Garcia’s kids’ other grandparents live just around the corner, and they’ve enjoyed socially distanced backyard gatherings this summer. "We're not sure what we're going to do when the rain hits," she says. "Everyone's playing things by ear because you can't really plan anything right now." For those not tech savvy. Garcia, a technology professional in Eugene, says tablets are often easiest to use, as touchscreens make them "point and click." Last year Facebook introduced Facebook Portal, a tablet-like device designed for video calling, with Alexa built in. Users can video chat with Facebook friends via a smart camera that follows them around, so they can do things hands-free. When not used for calls, Portal can act as a digital picture frame. Garcia says devices like these make great gifts and can be set up by the giver ahead for less tech-savvy recipients. "Once set up, all you have to do is click on someone's name to call them."

Hart says video calls could be the key to virtual holiday experiences. She suggests shipping gifts ahead so they can be opened together. Games like Pictionary or charades are a great way for families to play together. Or share a recipe and cook a meal together. "Even though you may be in separate states you can still get together, feel connected and have fun." Hart does advise those planning gatherings this year to be clear about expectations, such as whether masks will be required. "Everyone has different comfort levels and opinions, so if you’re hosting, communicate as clearly as possible what guests can expect and what you would like them to do. The more up front you can be, the more hiccups can be avoided. Acknowledge that this isn't a 'normal' Thanksgiving or 'normal' Christmas.” But that doesn’t mean it won’t be fun, and certainly memorable.

Benton Health Center 530 NW 27th Street Corvallis, OR 97330 541-766-6835 East Linn Health Center 100 Mullins Drive, A-1 Lebanon, OR 97355 541-451-6920 Monroe Health Center 610 Dragon Drive Monroe, OR 97456 541-847-5143 Alsea Rural Health Center 435 E. Alder Street Alsea, OR 97324 541-487-7116 Lincoln Health Center 121 SE Viewmont Avenue Corvallis, OR 97333 541-766-3546 Sweet Home Health Center 799 Long Street Sweet Home, OR 97386 541-367-3888 Accepting New Medicare Patients www.bentonlinnhealthcenters.org Hours vary by location please call for an appointment.

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NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

(Cont. from page 5) In a note his mom saved that Tyler wrote as a first grader, he said he had to do what he could with what he had and work hard to be a success in life. He was a weirdo in high school, he said. Everyone had big trucks with huge tires except him. “You see, ma’am, I was very shy and didn’t fit in. Even up until a year ago, I couldn’t carry on a conversation like this.” After attending college briefly, he decided he’d learn more in the military and that it would be good for him. He’s been at the Marine Corps base in Twentynine Palms, California for months now, and loves it. He gets himself up at 4 am. “No one wakes you up, ma’am,” he said. “You need to be somewhere

by a certain time. I’m learning a lot and I like the guys and the officers.” Tyler shared that he likes fixing things and studied electronics. He plays guitar, does triathlons and martial arts, is an avid reader and loves languages. He’s already traveled extensively, including mission trips with his church. In Africa, his group couldn’t communicate with the natives. Tyler studied their language four hours a day and said the locals were shocked when he spoke to them. Home for three weeks, he’ll work to recruit new Marines while there. “I’m so excited to see my mom and sister!” he said. “I’ll wait in the back room, and when my sister gets home from work at the DQ , step out.”

Award-winning care you can count on

She had texted when he was en route to the airport and he’d told her he was out enjoying the California sunshine. “She’s going to be mad at me!” he laughed. He wants kids of his own someday, he said. “I hope I’m a better dad than my dad was. I’ve been lucky. I love my mom and sister so much. I can’t wait to see them. I guess their gift from me this year is... me! I’m hoping this will be our best Christmas ever.” Stretching those long legs as we landed, he stood, offered a polite, “Good day, ma’am,” and moved away with long, confident strides — into his family’s arms and what I knew would surely be a bright future.

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APPLY AT: 2890 Chad Drive • Eugene, OR 97408 866-739-0867, contact Waitlist Dept @ 541-743-7164 • TTY/TDD 711 St. Vincent de Paul does not discriminate against any person on the basis of race, color, religion, sex, disability status, familial status, national origin or marital status in the admission or access to, or treatment or employment in, its federally assisted programs and activities.

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

Medicare Guide

LANE COUNTY December 2020

2021

Open Enrollment Through Dec 7, 2020

PHP_AEP-2021_NW50Plus_7.5x1.75_FindPlan_091620

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 9/16/20

INSIGHTS AND TIPS from the experts by Mary Owen

CHOOSING A MEDICARE PLAN CAN BE confusing, especially with all the new changes, but many are a boon to subscribers, and help is available. “This is a very competitive market and plans are including more bells and whistles than I’ve ever seen." says agent Michael Bredimus of Salem. "Everyone should take this opportunity to review new plan offerings to not miss out on new added benefits.” New benefits include $0 premium Preferred Provider Organization plans. “Dental is included in some plans at no extra cost,” Bredimus says. “Several plans have included an over-the-counter benefit with as much as a $200 allowance to spend on health-related items. Some new plans offer a $29 to $50 monthly credit toward Part B premium.” Senior Health Insurance Benefits Assistance (SHIBA) counselor Bruce Bayley says Medicare Part B now covers opioid use disorder treatment services. Other new benefits include: coverage for acupuncture

Medicare can be confusing SHIBA is here to help here to help... Publicly-funded resource here to help... objective information

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2 NORTHWEST 50 PLUS | MEDICARE GUIDE Lane County

and methadone treatment, ability to pay online and flexible ambulance care. Also a “Senior Savings Model” prescription plan with low-cost insulin, Medicare Advantage plan services for chronically ill patients and expanded telehealth options. Bredimus lists key factors in choosing a plan as deductibles, premiums, anticipated costs of routine care and hospital services, restrictions on doctors, hospitals and pharmacies; cost for regularly used prescription drugs; and maximum out-of-pocket costs. In choosing or modifying a plan, Bredimus says, “It’s important to work with someone local who is educated on local networks and how that relates to access to care.” He encourages working with an agent that contracts with multiple companies. “For example, in our area, many people will pay more for a plan if it grants them access to OHSU. If a senior were working with a 1-800 agent, they might not be aware of this.” Medigap plans are categorized by letter — A, B, C, D, F, G, K, L, M and N — and plans of the same letter offer the same benefits. “However, insurance companies can offer plans at different prices,” Bredimus cautions. “So, you may have different out-of-pocket costs even if the standardized plan benefits are the same. These plans do not provide prescription drug coverage. This means you would have to enroll in a stand-alone Medicare Prescription Drug Plan for medication coverage.” Medigap plans help with deductibles and other expenses not paid by Original Medicare, but don’t cover services such as long-term care, dental or eye glasses, according to Bredimus. Both options,

(cont. on p.6) } } }

Go with the Medicare health plan that can help you

LIVE YOUR BEST LIFE EVERY DAY Enroll in a Kaiser Permanente Medicare health plan and enjoy a $0 monthly premium,1 plus: • $5 doctor office copays • No-cost fitness benefits with Silver&Fit® on all plans2 • Easy telehealth options3 • Online prescription refills4

Talk to a Kaiser Permanente Medicare specialist at 1-855-867-9667 (TTY 711). RSVP to a Live Neighborhood Webinar at kp.org/webinarsnw.

1For our Value Plan. 2Silver&Fit® is a federally registered trademark of American Specialty Health, Inc. 3These features are available when you get care at Kaiser Permanente. Some services are only available in facilities. 4When receiving care at a Kaiser Permanente facility. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll. For accommodations of persons with special needs at meetings, call 1-855-867-9667 (TTY 711).

H9003_NWROP1020_M

All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest. 500 NE Multnomah St., Suite 100, Portland, OR 97232. ©2020 Kaiser Foundation Health Plan of the Northwest 554879729_ADV_09-20

4 NORTHWEST 50 PLUS | MEDICARE GUIDE Lane County

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

$250 one way

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

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

Emergency room $90 copay

Primary Care $0, Specialist $40

Providers in network: 10,000+

$5,500

Providence Timber

$250 one way

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 room $90 copay

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

Primary Care: $0 in-network / $25 out-of-network Specialist Visit: $35 in-network / $50 out-of-network

Providers in network: 10,000+

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

$40

Providence Bridge 2

$250 per one-way trip

PeaceHealth Cottage Grove Community Medical Center, PeaceHealth Harbor Medical Center, PeaceHealth Sacred Heart Medicare Center at RiverBend, PeaceHealth Sacred Heart Medical Center University District, Kaiser Sunnyside Medical Center, Kaiser Permanente Westside Medical Center

$450 per day for days 1 through 4 No charge for the remainder of your stay

$90 copay worldwide coverage

$5 Primary/$40 Specialist

Over 3,000 network providers

$4,100

Kaiser Permanente Senior Advantage (HMO) Value Lane

$325 per day for days 1 through 4 No charge for the remainder of your stay

$90 copay worldwide coverage

$0 Primary/$25 Specialist

Over 3,000 network providers

$3,000

$49

Kaiser Permanente Senior Advantage (HMO) Standard Lane

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

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

Medicare Plans MEDICARE GUIDE LANE COUNTY 2021

Website & Other Phone Numbers

Service Areas

Other Details

Members

Mental Health Therapy

Hearing Exams & Hearing Aids

Vision

Prescription Drug Plan

Skilled Nursing Care

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

Lane county

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

Lane County

www.kp.org/medicare Members: 1-877-2218221 Non-Members: 1-877-408-3496 (TTY: 711)

Lane County

Silver & Fit® fitness program which includes no-cost membership to participating local health clubs and virtual classes. Advantage Plus - Dental, eyewear and hearing aid package for $44 per month. Telehealth services through secure video visits, phone appointments, e-visits, and email.

New plan for 2021

$0 indivdual session copay

Individual or group session: $35 in-network 30% out-of-network 200+

Routine hearing exam: $25. Hearing aids not covered. See “Other Detials”

Routine eye exam: $25. See “Other Detials”

No deductible $4 preferred generic (Tier 1) $10 generic (Tier 2) $40 preferred brand-name (Tier 3) $93 nonpreferred brand-name (Tier 4) 30% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

Integrated Part D drug benefit

$0 per day for days 1 through 20 $150 per day for days 21 through 100

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

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

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

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

www.kp.org/medicare Members: 1-877-2218221 Non-Members: 1-877-408-3496 (TTY: 711)

Lane County

New plan for 2021

$5 indivdual session copay

Routine hearing exam: $40. Hearing aids not covered. See “Other Detials”

Routine eye exam: $40. See “Other Detials”

No deductible $4 preferred generic (Tier 1) $10 generic (Tier 2) $40 preferred brand-name (Tier 3) $93 nonpreferred brand-name (Tier 4) 29% specialty (Tier 5) $0 injectable Part D vaccines (Tier 6)

Integrated Part D drug benefit

$0 per day for days 1 through 20 $150 per day for days 21 through 100

MEDICARE GUIDE LANE COUNTY 2021

NORTHWEST 50 PLUS | MEDICARE GUIDE Lane County 5

(cont. from p. 2) he adds, “limit the amount a senior would pay in the event of a major surgery or hospitalization.” Seniors may opt for a PPO, a type of managed care health insurance plan that provides maximum benefits for visits to an in-network provider. A PPO, such as Providence, still provides some coverage for out-of-network providers. Seniors may also choose a health maintenance organization, or HMO, such as Kaiser Permanente. Jody Meyer, manager in Medicare sales for Kaiser Permanente, says seniors should consider what is most important to them when considering their options, such as: • The ability to choose your doctor, and whether your preferred providers accept Medicare patients. • Predictable and easy to understand out-ofpocket costs, including deductibles and copays. • Extra coverage for fitness, dental, vision and hearing. • How coordinated and convenient is the care you receive? Are many services under one roof, lowering costs and increasing convenience? • Convenient care options via phone, video and email. “There are many Medicare Advantage plans in the market and premium ranges vary,” Meyer says. “There are also considerations regarding prescription coverage. An easy way to review the number of plans and compare premiums is to visit the Medicare.gov plan finder.” Meyer says Medicare Advantage plans, health care options that are approved by and contracted with Medicare, must provide benefits that are as good as or better than Original Medicare. “Medicare Advantage plans must cover all the services Medicare covers, including emergency and urgent care,” Meyer says. “Originally Medicare was not designed to pay for all medical services and has no maximum out-of-pocket protection. Medicare Advantage plans generally offer enhanced, more predictable coverage with

6 NORTHWEST 50 PLUS | MEDICARE GUIDE Lane County

out-of-pocket protection.” Meyer says Kaiser Permanente offers Medicare Advantage plans that “focus on quality care, including choice of physicians, preventive care and coordination of team-based care through one organization. You can often see your doctor, visit a lab, and pick up prescriptions all in one trip.” “We have convenient online services to help you manage your health, and we offer phone, video or in-person appointments,” she adds. “We also have convenient urgent care locations, coverage when traveling, and the option to add dental, vision and hearing benefits.” Because of eligibility rules and the contract with Medicare, all beneficiaries on these plans must have Part A and Part B Medicare and continue to pay their Part B premium to remain on the Medicare Advantage plan they choose, says Meyer. Bayley says for most people, enrolling in Medicare involves only a few steps and a handful of choices. “If you feel overwhelmed or that there are special circumstances that make your situation more complicated, SHIBA counselors are here to explain things and are knowledgeable about all the details within Medicare. They can let you know about any special rules that apply to you, and they won’t let you get tripped up!” says Bayley.

For the

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♥of Pets

PEPITO

This sleek boy has good looks, loves to cuddle, enjoys vocalizing, and has great personal hygiene. Playful and sweet, he is about 3. While very healthy, Pepito requires a urinary tract health diet for life. He does great with gentle kids, friendly cats, and mellow dogs. He will be a loving companion and make you the center of his world! He is current on vax, chipped, and has no fleas or worms. To meet Pepito, please call 541-225-4955 option 1 or email to adoptinfo@CatRescues.org. He is in the care of the Cat Rescue & Adoption Network.

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www.MajorFamilyFuneralHome.com NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

HolidaysC a

with the

Grandkids! by Kristen Dael

The holidays are here, and we’re all looking for ways to celebrate the spirit with fun, memorable activities we can safely enjoy together.

Smile!

Most of us have a stash of printed photos we’ve been meaning to sort, frame or give away. These are perfect for a truly magical activity. You and the grandkids can put together multi-photo frames, scrapbook pages, or collages on heavy paper. Choosing, cropping and framing or pasting up the photos is fun for everyone, and the images naturally invite conversation about colorful family characters and shared history and memories. Better still, the resulting creations can be given as gifts or saved as lifelong treasures.

Eugene Coin & Jewelry We buy sell coins, & estate jewelry Do& YOU havevintage hidden treasures?

WHAT YOU’LL NEED:

F Photos — your own, and from your adult children if available

F Multi-photo frames of desired; available at dollar, craft, retail and thrift stores F Scrapbook pages or large, heavy-weight pages (dollar-type stores carry large white “poster boards” that can be cut for multiple pages)

in any hidden condition. DoGOLD YOU have treasures? Do YOU have hidden treasures? We buy any type of gold: new, used or broken,

DIAMONDS

Do YOU YOU have have hidden hidden treasures? scissors, rulers Do treasures? F Age-appropriate

We buy all sizes & shapes. Price depends on quality, cut and size of diamonds.

We buybuy any type gold: of We anyoftype type used or of gold: gold: new, new, used or broken, broken, We buy any of gold: new, used or broken, new, used or broken, in any F Glue, glue sticks, tape We buy stamped sterling 925 silver and in any condition. condition. silver serving dishes flatware. in anyandcondition.

GOLD GOLD

SILVER F Space at the kitchen table or in a room We buy andWe sell collectible American and buybuy all sizes &sizes shapes. COINS Do We all & shapes. Price on international coins in single pieces or collections. YOUPrice have hidden shapes. Price Price depends on withdepends low tables quality,&cut Wedepends buy allontreasures? sizes shapes. depends on DIAMONDS

DIAMONDS quality, cut andorsize of size of diamonds. size of diamonds. diamonds. We buyStreet, anyand type of gold: new,97401 used broken, 1416 Willamette Eugene, OR quality, cut and size of diamonds. GOLD in any condition.

541-683-8445 • eugenecoin@aol.com • eugenecoin.com

SILVER SILVER COINS COINS COINS

DIAMONDS

Quick Tip

We buy stamped sterling We buy stamped sterling 925 925 silver andstamped silverdepends serving We buy stamped sterling 925 silver silver and and We buy all sizes & shapes. Price on We buy sterling 925 silver and and flatware. quality, cut dishes and size of diamonds. silver serving dishes and flatware. silver serving dishes and flatware.

EUGENE’S LARGEST FULL SERVICE COIN DEALER - A FAMILY TRADITION SINCE 1924

silver serving dishes and flatware. We buy and sell Keep the focus on fun. Have We buy stamped sterling 925 collectible silver and We buy and sell collectible American and American and international silver serving dishes and flatware. We buy and sell collectible American and We buy and sell collectible American everyone and participate in preparations coins in single pieces or international coins in single pieces or collections. international coins in single pieces or collections. We buy andcollections. sell collectible American and in single and international coins pieces or collections. cleanup as appropriate, and don’t international coins in single pieces or collections.

stress if something’s done a little 1416 Willamette Street, Eugene, OR 97401 1416 Willamette Street, Eugene, OR 97401or less “tidily” than you Willamette Street, 97401 differently 14161416 Willamette Street, Eugene, OR 97401Eugene, OR 541-683-8445 eugenecoin@aol.com 541-683-8445 • eugenecoin@aol.com • eugenecoin.com •• eugenecoin.com normally would do it. That’s a true 541-683-8445 eugenecoin@aol.com eugenecoin.com 541-683-8445 ••• eugenecoin@aol.com • eugenecoin.com recipe for shared pleasure. EUGENE’S LARGEST LARGEST FULL SERVICE COIN DEALER -- AA FAMILY Eugene’s largestFULL full SERVICE serviceCOIN coinDEALER dealer! EUGENE’S SERVICE COIN DEALER FAMILYTRADITION TRADITIONSINCE SINCE1924 1924 EUGENE’S LARGEST FULL - A FAMILY TRADITION SINCE 1924 A family tradition since 1924

EUGENE’S LARGEST FULL SERVICE COIN DEALER - A FAMILY TRADITION SINCE 1924

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

Medicare Guide

LINN BENTON December 2020

2021

Open Enrollment Through Dec 7, 2020

PHP_AEP-2021_NW50Plus_7.5x1.75_FindPlan_091620

INSIDE

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

Discover True Health

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

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

Providence Health Enrich + RX

Monthly premium

MEDICARE GUIDE LINN BENTON COUNTY 2021

Maximum Out-of-pocket (MOOP)

$147 $5,500

Choice of Doctors

Providers in network: 10,000+

Per Doctor Visit

Primary Care $15, Specialist $40

Routine Physical Exams Emergency Care, USA/Foreign Hospitalization Choice of Hospitals

Ambulance Skilled Nursing Care Prescription Drug Plan Prescription Drug Copay/Deductible

Vision Hearing Exams & Hearing Aids Mental Health Therapy Members

Annual physical exam $0 Emergency room $90 copay Inpatient hospital care: Days 1-5 $350/day $0 copay for days days 6 and beyond Providence, Tuality, Salem, Silverton, Willamette Valley, PeaceHealth SW Medical Center and others $250 $0 days 1-20, $160 days 21 - 100 Included Deductible: $325, Preferred generics: $4 Generics: $13, Preferred brand: $47 Non-referred drug: $100, Specialty drugs: 27% coinsurance Routine exam 1/year: $75 allowance Glasses & contacts: $250 allowance/year Routine exam 1/year: $0 in network Hearing aids: $699/$999 in network Individual or group session: $40 75+

Other Details

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

Service Areas

Benton, Linn

Website & Other Phone Numbers

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

Turning 65 or retiring? Learn about Medicare options

Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Medicare Part B covers certain doctors’ services, outpatient care, medical supplies, and prevention services. Enrollment begins three months before turning 65, includes the month you turn 65, and ends three months after the birthday month. Seniors who do not enroll when first eligible may have to pay a Part B late enrollment penalty and may have a gap in coverage if they decide to start Part B later. If not automatically enrolled, seniors should sign up for Part A even if they have employee health insurance. Most people paid Medicare taxes while employed and will not have to pay a Part A premium. For most people, the standard PART B premium is $144.60 for 2020.

The Medicare Late Enrollment penalty is 10 percent of the current Part B premium per year of delayed enrollment and continues for life. Added to the current Part B premium, the cost would currently be $14.46 extra per month for each year you delay. Types of Medicare Advantage Plans include HMOs, PPOs, private fee-for-service plans, special needs plans, and a Medicare Medical Savings Account plan. Seniors with limited incomes or resources may get help from the state for Part A and/or Part B and may also qualify for help to pay for Medicare prescription drug coverage. For more information, visit www.medicare.gov.

Medicare Questions • Plan Options • Enrollment

Medicare can be confusing SHIBA is here to help Open Enrollment Period (OEP) are here to help... Publicly-funded resource Wefor January 1 - March 31 We are here to help... objective information

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Tuesday, 22 •Ave. 10 a.m. 1139October Salem SEto noon Tuesday, October • 10 a.m. to noon Albany, OR2997321 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

We can help you compare plans

us how! SHIBA and abuse. Ask -free Medicare Sales Meetings (toll 134 s ) nd. plan 2-4 year-rou -72 issues pare 800 related com e and Call 800-722-4134 (toll-free) Call you Medicar help and make enrollment changes. can eon Use our online Locator Tool We also help you fight fraud, waste ges. chan nt gov llme on. enro reg e mak Ask us how! abuse. ba.o and andShi visit or Shiba.oregon.gov or visit Call 800-722-4134 (toll-free) to find local help near you provides FREE, unbiased counseli

2020 United Healthcare

Broadway Coffeehouse -Stayton Room or in part through a grant from the ACL. in whole Paid for 1300 Broadway St. NE, Suite 100 • Salem, OR 97301

541-914-6263

Tuesday, October 22 • 10 a.m. to noon Tuesday, October 29 • 10 a.m. to noon a grant from the ACL. in towhole fora.m. Tuesday, November 5 • 10 noon or in part through Paid Tuesday, November 12 • 10 a.m. to noon d counseling

Shiba.oregon.gov ) -free Call 800-722-4134 (tollWe can help you apply for Medicare savings programs and provide education about how gov on. reg ba.o Shi visit or to protect, detect and report Medicare fraud,

or visit FREE, unbiase provides SHIBA Space is limited • Please RSVP to reserve a seat SHIBA provides FREE, unbiased counseling related issues year-round. e and on Medicar SHIBA provides FREE, year-round. unbiased counseling Beckyon Lippmann 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

Becky Lippmannbeclippmann@yahoo.com and abuse. Ask us how! Call today Independent Medicare Broker/Agent becky-lippmann-independent-medicare.business.site

and abuse. Ask us how! a grant from the ACL. Paid for in whole or in part through ng

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!

541-914-6263

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.

Licensed in Oregon and Washington

Call today

541-914-6263 beclippmann@yahoo.com

waste and abuse. Ask us how!

a grant from the ACL. becky-lippmann-independent-medicare.business.site Paid for in whole or in part through

NORTHWEST 50 PLUS | MEDICARE GUIDE Linn Benton 3

To Buy or NOT to Buy — RIGHT NOW

Year end is just the beginning for discounts in some product categories. Look for sale prices on these items in December: TVs. Black Friday/ late November deals spill into December, and retailers normally t discount TVs and home-theater essentials just before the Super Bowl.

TOOLS. While Black Friday has the best t deals, December sales are especially good for wrench, screwdriver and drill sets.

TOYS. Watch for big toy sales early t to mid-month.

KITCHEN ITEMS. Look for great deals on kitchen t appliances and utensils. If not for you, for your favorite “Betty Crocker.”

CARS. Dealerships are ready to cut prices at year end, and many offer exceptional prices on New Year’s Eve.

CHRISTMAS DECORATIONS. Deep discounts begin Dec t 26 — often upward of 50% — on decorations, wrapping, ornaments, artificial trees and seasonal items.

WAIT ‘til January: BEDDING & LINENS. Department stores t hold “white sales” in January with deep discounts on sheets and towels. JEWELRY. Because watches and jewelry are popular holiday gifts, retailers hold t off on big discounts until January.

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

FITNESS EQUIPMENT. Exercise is front of mind, t and retailers know it. Fitness equipment and apparel sales abound at sporting goods stores.

FURNITURE. Retailers begin clearing their t showrooms in January for new product releases in February.

Retirement Life Timber Pointe Senior Living

Independent and Assisted Living 4865 Main Street Springfield, OR 97478 541-284-2865 www.timberpointesl.com

IAHTUP Evergreen Independent Living 3850 Everest Loop Eugene, Oregon 97402 541.607.9525 www.evergreeneug.com

IAHTUPM Evergreen Assisted Living 3760 N Clarey Eugene, Oregon 97402 541.607.9525 www.evergreeneug.com

IAHTUPM Evergreen Memory Care 3720 N Clarey Eugene, Oregon 97402 541.689.3900 www.evergreeneug.com

IAHTUPM

We are an independent living and assisted living community guided by goodness, loyalty, faith, and fun! We believe in the power of relationships, caring for one another in partnership, bringing a sense of joy and fulfillment to both the elder and the team helping to care for them. Join us for lunch and a visit! No Buy-In or long-term lease. Luxury apartments and cottages. Units are available! At Evergreen Independent Living, be prepared to open your heart, expand your mind, liberate your soul and deepen your lifeâ&#x20AC;&#x2122;s journey all in a supportive community. Youâ&#x20AC;&#x2122;ll enjoy the opportunities of a communal environment while staying independent of care as long as you like or are able. If or when you might need some assistance, you have a support system and care team at the ready that already know you, your preferences, and your personality and you know them! We offer weekly housekeeping, routine maintenance, scheduled transportation, dining services, and social and recreational activities. Contact us today for a complimentary lunch and tour of our community.

At Evergreen Assisted Living, we are a place of vibrancy and life, promoting meaning and joy in the lives of residents, families, and our team members. Elders inspire us, motivate us, guide, and direct us. As we work to create an empowering, caring, growing culture for elders, we are also creating our own future. After all, we are all elders-in-waiting. At our community, we offer weekly housekeeping, routine maintenance, scheduled transportation, dining services, and social and recreational activities. Contact us today for a complimentary lunch and tour of our community. At Evergreen Memory Care, you will have an opportunity to make your contribution to our family, which makes Evergreen Memory Care the distinctive place that it is. It is people that make a community. We are a place of vibrancy and life, promoting meaning and joy in the lives of our residents, families, and our team members. We recognize that people make all the difference and by treating people with respect, trust, care, and good humor, it can be quite contagious. We offer 24 hour care, coordination with health care providers, licensed nurse oversight, complimentary laundry, basic utilities, scheduled transportation, social and therapeutic activities. Contact us today for a complimentary lunch and tour of our community.

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

Classifieds HELP WANTED

CEMETARY PLOTS

ASPIRING AUTHOR SEEKS TYPIST. Part time hourly rate. SE Portland or Milwaukie preferred. Contact Ray G. PO Box 82781, Portland 97282.

BELCREST MEMORIAL PARK, SALEM. One plot Lot 5, Section 20-7, Block 10. $3400. Call 936-499-5513.

WANTED 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’s pulp magazines. Call Gordon 503-313-7538. CASH FOR GOOD CONDITION reloading equipment & supplies. 541-905-5453.

FRIENDSHIP ADS ACTIVE SWM, 80'ish 5'7", 165 lbs. ISO female who enjoys traveling, RVing, camping and snowbirding. Also enjoys antiques, cars and spending quaility time together. Eager to hear about your interest. #5755 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? #5756 HEALTHY, FIT & FUN, 70 YR OLD, extroverted DWM. Enjoys the Oregon coast, fishing, golfing, cooking and dancing. I'm well mannered and groomed. ISO attractive female with common interest for LTR. N/S. #5757

FRIENDSHIP AD ABBREVIATIONS 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 ISO = In Search Of

TO RESPOND TO A FRIENDSHIP AD:

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.

CLASSIFIED AD RATES PRIVATE PARTY COMMERCIAL, REAL ESTATE

Up to 20 words. $2.50 per extra word.

CEMETERY PLOTS

Up to 20 words. $2.50 per extra word.

FRIENDSHIP ADS

Up to 30 words.

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

• All procceds stay in the local community • We accept cars, trucks, RVs, running or not.

Cars for a Cause

888-227-8223 NORTHWEST 50 PLUS | SOUTH VALLEY December 2020

Up to 20 words. $1.75 per extra word.

Donate your Vehicle Locally!

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

EQUAL HOUSING OPPORTUNITY All real estate advertising in this maga-

zine 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.

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andyman

Serving Lane County

8 Window & Gutter Cleaning 8 Pressure Washing 8 Debris Hauling 8 Deck Building 8 Wheelchair Ramp Building 8 General Home Maintenance ~ FREE ESTIMATES ~

310 NW 7th St., Corvallis

541-729-3460 CCB#150537

Moving people since 1989

“No Job too Small”

EMBRACE YOUR ENCORE

Piano & Safe Specialist

Senior Living that embraces many levels of care, Woodside Senior Living offers a wide range of amenities plus a care team that is at your fingertips 24 hours a day.

Scott Hahn

a Compass Senior Living community

4851 Main Street • Springfield, OR 541.747.1887 • woodsidesl.com

Serving all of Lane, Linn & Benton Counties

541-285-5392 or

541-461-0632

NORTHWEST 50 PLUS | SOUTH VALLEY December 2020