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John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Making the Most of Medicare Open Enrollment

October 27, 2017 1:39 am

(Family Features)--Eating well and regular exercise are part of a healthy lifestyle, and so is making sure you have the right health care coverage. Medicare's annual Open Enrollment period is a good time to review your current coverage and decide if there may be a better fit based on changes to current plans, your budget or health needs.

During Medicare Open Enrollment, which runs Oct. 15 - Dec. 7, 2017, you can enroll in or make changes to your Medicare health or prescription drug plan for coverage that begins Jan. 1, 2018. If you miss the deadline, you will likely have to wait a full year before you are able to make changes to your plan.  

To make Medicare Open Enrollment part of your healthy lifestyle, follow these five steps:

1. Review your current plan notice. Read any notices from your Medicare plan about changes for next year, especially your "Annual Notice of Change" letter. Look at your plan's information to make sure your drugs are still covered and your doctors are still in network.

2. Think about what matters most to you. Medicare health and drug plans change each year and so can your health needs. Do you need a new primary care doctor? Does your network include the specialist you want for an upcoming surgery? Does your current plan cover your new medication? Does another plan offer the same coverage at a lower cost? Take stock of your health status and determine if you need to make a change.

3. Find out if you qualify for help paying for Medicare. Learn about programs in your state to help with the costs of Medicare premiums (through Medicare Savings Programs), your Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, coinsurance and copayments, and Medicare prescription drug coverage costs (through Extra Help). Visit Medicare.gov or call your State Health Insurance Assistance Program (SHIP) to learn more.

4. Shop for plans that meet your needs and fit your budget. Starting each October, you can use Medicare's Plan Finder tool at Medicare.gov/find-a-plan to see what plans are offered in your area. A new plan may:

- Cost less
- Cover your drugs
- Let you go to the providers you want, like your doctor or pharmacy

If you find your current coverage still meets your needs, then you're done. Remember, during Medicare Open Enrollment, you can decide to stay in Original Medicare or join a Medicare Advantage Plan. If you're already in a Medicare Advantage Plan, you can switch back to Original Medicare.

5. Check your plan's Star Rating before you enroll. The Medicare Plan Finder is up-to-date with the Star Ratings for Medicare health and prescription drug plans. Plans are given an overall quality rating on a 1 - 5 star scale, with 1 being the lowest performing and 5 stars representing excellent performance. You can use Star Ratings to compare the quality of health and drug plans being offered.

Source: Centers for Medicare & Medicaid Services

Published with permission from RISMedia.


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Tips for a Safe and Happy Halloween

October 25, 2017 1:36 am

Americans love Halloween. According to a recent survey, Halloween is second only to Christmas in terms of how much we spend on decorations. But before the Great Pumpkin sends a host of little ghosts and goblins trick-or-treating on your street, the cautious underwriters at Traveler’s Insurance urge us to do what we can to make sure the evening is safe and happy:

Clear the way – Walk your property to minimize potential accidents. Roll up hoses and get them out of the way, and make sure the walkway is well-lighted and clear of obstacles.

Place decorations carefully – Set up lawn displays with foot traffic in mind and place them to prevent tipping over, blowing away, or becoming a tripping hazard.

Choose safe décor - Avoid dried flowers, cornstalks and crêpe paper because they are highly combustible – and keep decorations away from heat sources, including light bulbs and heaters.

Take care with lighting – Avoid open flames. Use LED lighting or battery-operated candles, and never drape fabric over light bulbs, which can generate heat and start a fire.

Minimize electrical risk – Plug all outdoor lights and decorations into ground-fault circuit interrupters (GFCIs) to help reduce the risk of electric shock. Avoid daisy-chaining extension cords when plugging in decorations, which can cause overheating – and never staple, nail through, or fasten electrical wires or extension cords in any way as that can damage the wire or insulation and cause electrical shock or fire.

Drive with extra care – Parents everywhere will be rushing home in time to get their kids ready for Halloween. Drive neighborhoods slowly and with caution, looking out for less cautious drivers and/or costumed kids crossing the street.

Choose costumes wisely – Utilize bright colors and or flashlights to make sure your child is easily visible in darkened streets. Young children should trick-or-treat in small groups with parents supervising nearby.

Published with permission from RISMedia.


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