Tag Archives: promotion

Time for Change

Long View: Is It Time for a Change?

“Everyone appreciates the long, light evenings. Everyone laments their shortage as Autumn approaches; and nearly everyone has given utterance to regret that the clear, bright light of an early morning during Spring and Summer months is so seldom seen or used.”

This was written by a London builder named William Willett, who proposed daylight saving time from an idea conceived by Benjamin Franklin.

“Spring forward. Fall back,” was how I learned it! I remember daylight saving time when I was a child was a big deal. The Saturday night before the official time change would take place, my entire family worked together to make sure that all the clocks and watches in our household were set, not to mention the clocks in my parents’ cars. It never failed. There was always that tiny clock on the top of our stove that we would miss. My mom always caught it when she went to set the oven timer!

Then, once the clocks were all set, my sister and I pondered whether we lost or gained an hour of sleep. We always had to sit there for a minute or 2 and do the math before coming up with the answer.

For most of us today, time changes are not nearly as complicated as they used to be. Our world is much more hurried, and automation is everywhere. It’s accepted that almost every clock, watch, appliance, iPhone, and computer is programmed for daylight saving time. We really don’t have to worry about making sure all of our timepieces make the change. With our schedules so full, we don’t even realize we’ve gained an hour or lost an hour of sleep.

Just like the time change happens each November, Medicare’s Annual Enrollment Period (AEP) happens each October. Medicare beneficiaries can review their current plan and make any changes they feel are needed from October 15 through December 7.

Every year, the AEP is a good time to check your drugs and review upcoming services with your doctor, then make sure the plan you’re on is still the best fit. You might even want to get your family together to make sure you didn’t miss anything.

Some resources available to help you this AEP include Medicare.gov, which is easy to navigate and packed with information, and Illinois’ very own Senior Health Insurance Program (SHIP). The Illinois Department of Insurance offers this free, impartial counseling service for people who are Medicare-eligible. Visit Insurance.Illinois.gov or call them at 1-800-548-9034. You can also find the nearest SHIP office in this directory, or, in Iowa.

And don’t forget to check out your current insurance info at HealthAllianceMedicare.org. If you need to research plan options, you can “fall back” on us! We’re ready to help with any questions you may have for the upcoming plan year.

Mervet Adams is a community liaison with Health Alliance. She loves her grandson, family, nature, and fashion.

Answers to Your Health Insurance Questions

Vantage Point: Time to Answer Important Health Insurance Questions

It’s that time of year again. My husband comes home with a huge packet of healthcare information. Yep, it’s open enrollment for his employer health plan. It’s time for us to look at the options and choices that best suit our family in the coming year.

Every year, Medicare beneficiaries get this kind of event too. It’s called the Annual Enrollment Period (AEP). Each year from October 15 to December 7, they have the opportunity to look at the options available in their service area and choose which plan is the best for them and their health.

This is an important time for everyone. As we age, our health may change too. Understanding and knowing what coverage is best for you can be a daunting task, so you should ask yourself some very important questions each and every year.

Am I happy with my current plan? What’s changing for the new year? Is the premium going up on the plan I currently have? Do I need more coverage?

I understand that as Medicare members, you’re sent an enormous amount of marketing material during this time of year. All the Medicare Advantage, Medicare Supplement, and prescription drug plan companies are trying to get your attention and your business.

How do you weed through all the material? And even more important questions come up for you each year. Do I know the difference between Medicare Advantage and Medicare Supplement? Is the prescription drug plan I’m currently on the best value for the prescription drugs I’m taking? Finding the answers can be confusing and frustrating.

The answers you seek can be found quickly and easily. Visit our website or call us directly for answers to your health insurance questions. There are also independent brokers available to you, like GHB Insurance located right in Olympia, to help you with all the plan information you receive. In the Thurston County area, there are also SHIBA (Statewide Health Insurance Benefit Advisors) representatives who volunteer their time to help you understand Medicare and all the parts associated with it. They can be found at both the Lacey and Olympia senior centers.

So never fear, your Medicare questions can be answered here. Or at least, we can assist you in getting the answers you need. Remember, you have resources available to you. All you have to do is use them.

Joy Stanford is a community liaison with Health Alliance, serving Thurston County. She’s been involved with Medicare for 20+ years and truly enjoys it. She enjoys gospel, R&B, and country music, and she owns over 100 pairs of shoes.

AEP Medicare Shopping

Vantage Point: Let’s Shop

I’d seen all the cell phone carrier TV ads and billboards. I’d received offers to change in the mail and had friends and family share better coverage experiences, but I was stubborn. I convinced myself I was just being loyal, but the truth was, after 20 years with the same carrier, I was resisting change.

Entering the ultra-busy cell carrier’s store, I was approached right away by a super professional greeter. “How may I help you?” he asked, keeping eye contact while also using a hand-held tablet to address my needs.

As I waited for a sales agent, the greeter invited me to look around and told me I would be helped shortly. Not even 2 minutes later, while browsing phone choices and tapping along to the upbeat music, Marco introduced himself with an outstretched hand. I told him I had moved to a remote canyon, where my old cell carrier didn’t have good enough service. He offered me a solution and set my new plan up, right on the spot.

My new carrier’s bills are easy to read, and the website to manage my account is so user-friendly that I can now better understand my usage. Because of that, I’ve changed my plan 3 more times, saving me tons of money. Best yet, I never miss a call. I am now a big fan of comparison shopping.

October 15 to December 7 is the Annual Enrollment Period (AEP), when Medicare beneficiaries also get a seasonal opportunity to comparison shop. During the AEP, Medicare-eligible people can change from supplement plans, also called Medigap, to a Medicare Advantage plan, can change prescription drug plans, and can compare all the Medicare plans available in their county. They can and should check their current plan to see if anything new was added or, if due to health changes, it’s still the right fit.

Medicare beneficiaries get bombarded with ads. Some of it’s confusing, and some of it’s scary. Insurance is a very serious and important choice. We can’t compare all plans against each other, but at our customer service office at 316 5th St. in Wenatchee, we can sit down with someone in person and give them all the time and help they need to better understand. Whether they choose us or not, it’s a good feeling to know the personalized value we gave helped them to pick the right Medicare plan to fit their health needs.

Shannon Sims was a Medicare community liaison for Health Alliance, serving Chelan, Douglas, Grant, and Okanogan counties in Washington. During her time off she enjoys spending time with her family and riding horses.

October, and Its Chores, Return

Long View: It’s That Time Again

There are a lot of reminders for folks to check their smoke detector batteries when daylight saving time is over. It does make sense to tie that chore to something that occurs on a regular basis. (Why not Valentine’s Day?) But, I almost always forget to do it.

It seems there are always other, more pressing things on the to-do list, like finishing up in the yard, switching out those summer clothes, or putting up the storm windows, if you’re unlucky enough to still have storm windows.

Just like these yearly chores, Medicare-eligible people need to review their healthcare coverage every year to see if their current plan still meets their needs. The days of one-size fits all are over thanks to the options-obsessed baby boomers. (I am including myself, so you know.)

If you’re a caregiver, a change in your loved one’s situation may show the need for different coverage. Have they started traveling more or less? Did their medication needs change because of things like new prescriptions or treatments for a chronic illness? Did their primary care provider retire or move? Did their current plan change? Does it still meet their needs? It’s time to explore your options.

We know you’re busy, so let’s look at a few resources:

Medicare.gov

A great one is Medicare’s website. This site is relatively easy to navigate and packed with information. You can check your plan’s Star Rating while you’re at it.

Department on Aging

Another good resource is your state’s Department on Aging. They have independent counseling services for people who are Medicare-eligible.

Area Agency on Aging

Your local Area Agency on Aging is a gold mine. Find one near you.

HealthAllianceMedicare.org

Our website is easy to navigate and gives you a nice overview of the options we have in your county.

The Annual Enrollment Period for Medicare is once again from October 15 until December 7. Sign up then for a plan that starts on January 1, 2017. The sooner you review your needs and gather information, the better you’ll be able to make an informed choice. When you’re done, you can move onto something really important, like cleaning out the junk drawer in the kitchen. Like that’s ever going to happen.

Patrick Harness is a community liaison with a long history of experience in health insurance. If you ask him to pick a color, he always chooses orange, and he is known for his inability to parallel park.

 

Team Up for Greatness

Vantage Point: To Be A Star

There is a patch of I-5 South, just as you turn the bend, where The Tacoma Dome comes into view, and the sight always makes my heart jump into my throat. Opened in 1983, The Dome has hosted major concerts, professional sports competitions, and events. Most importantly for me, it’s also the place where Washington state high school athletes compete at the championship level.

My boys got to experience the honor of standing up among their peers as a part of a team of excellence on December 7, 2008, when Cashmere won the 1A High School Football State Championship. It’s a memory that I, and most of the town, which filled one whole side of the dome, will never forget.

This accomplishment started with the players, who had been honing their skills since grade school. It also took a school backing them with quality equipment and coaching, a town believing in them, and parents dedicated to supporting their goals. The second-string players, who only got a few seconds on the field that day, were just as important as the starters. In practice, they were the ones who helped the starters sharpen their skills. To say the least, they were all stars that day.

I am fortunate in my professional work to also be part of an amazing team. A team, which I say with great pride, whose Washington Medicare plans just earned 4.5 out of 5 stars from the Centers for Medicare & Medicaid Services.*

These Star Ratings measure more than just customer service. They also measure help managing chronic conditions, member complaints, working with providers to help members stay healthy, and members’ overall experience with the plan.

This achievement means a lot. It validates our efforts at Health Alliance and lets us know we are taking good care of our members. But just like a championship football team, we respect this is not an individual endeavor, and we appreciate all of you for sharing access to your resources and welcoming us into your communities. There is no way we could have accomplished this without your support and collaboration. As we share this esteemed recognition with you, please know, we sincerely count you as a member of our team, and we couldn’t have done it without you.

Shannon Sims is a Medicare community liaison for Health Alliance, serving Chelan, Douglas, Grant, and Okanogan counties in Washington. She has four sons and two grandsons. During her time off, she performs as part of a rodeo drill team on her horse, Skeeter.

 

*Medicare evaluates plans based on a 5-Star Rating System. Star Ratings are calculated each year and may change from one year to the next.

Composing for Medicare Annual Enrollment Period

Long View: It’s Annual Enrollment Time

The Medicare Annual Enrollment Period starts on October 15. It’s the time of year when you can make changes to your Medicare Advantage plan. Plans can change premiums, copays, and formularies every year, so it’s important to review your coverage and see if it still suits your needs.

Medicare.gov is a great resource, as is your local senior center. You can also call Health Alliance at 1-888-382-9771 or TTY 711 (8 a.m. to 8 p.m. daily from October 1 to February 14 and weekdays the rest of the year) or go to HealthAllianceMedicare.org for insight. Because I know this subject can be a little dry, I turned it into a poem from our vantage point. I hope you enjoy!

The chaos starts in mid-October.
Medicare says, “Think it over.”
The plan choice that you made last year,
It may be time to change and steer.

You stay at home most all the year.
Your children want you safe and near.
You dislike the awful weather.
HMOs might suit you better.

Maybe you’d like a PPO.
The freedom helps the snowbirds go,
To warmer climes away from ice.
So bon voyage! (It must be nice!)

Supplements can come in handy.
If you’re mobile, they are dandy.
Great if you like to get away,
If you are active day by day.

We brace for those who wait ‘til later.
Here’s our next procrastinator,
Frantic, stricken, and full of fear.
(Showing up late year after year.)

My co-workers have lost their voices.
December 7 ends your choices.
(And why’d they pick Pearl Harbor day?
It’s odd, I know, I just can’t say.)

We’re done, all is signed and dated.
You now feel somewhat elated.
No need to worry and have no fear,
We will be back again next year.

Patrick Harness is a community liaison with a long history of experience in health insurance. If you ask him to pick a color, he always chooses orange, and he is known for his inability to parallel park.

 

Health Alliance Medicare is an HMO and PPO plan with a Medicare contract. Enrollment in Health Alliance Medicare depends on contract renewal.

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Healthy Life Choices

Being the Healthiest Version of Yourself

As you make your New Year’s Resolutions this year, we want to help! Not only do we help you get the medical care and preventive care that keep you healthy, we also want to help you make healthy life choices. 

Eating Healthy

A healthy diet and good nutrition can both help you be the best that you can be, a key part of making healthy life choices.

  • Eating a diet rich in vegetables and fruits can reduce the risk of heart disease, including heart attack and stroke
  • Eating a diet rich in certain vegetables and fruits may protect against certain types of cancer
  • Diets rich in healthy fiber can reduce the risk of heart disease, obesity, and Type 2 diabetes
  • Eating vegetables rich in potassium can lower blood pressure, decrease bone loss, and the risk of kidney stones

We know that knowing what to eat or finding healthy recipes can be hard. But making small changes in diet can affect your health in a big way, and we have people to help.

Members can call our Quality & Medical Management Department at 1-800-851-3379, ext. 8112 for more information. You can also check this blog regularly, follow our Twitter and Facebook for weekly recipes, or look at our Pinterest for hundreds of recipes and resources.

Getting In Shape

Exercise is also an important part of being the healthiest you can be. Regular physical activity provides a variety of benefits, like:

  • Controlling your weight
  • Reducing your risk of cardiovascular disease
  • Reducing your risk of Type 2 diabetes
  • Reducing your risk of some cancers
  • Strengthening your bones and muscles
  • Improving your mental health and mood
  • Improving your ability to do daily activities or prevent falls as an older adult
  • Increasing your chance of living longer

Clearly fitness can improve your health, but we know that gym memberships and workout equipment can be expensive.

That’s why we have teamed up with a number of gyms and fitness locations to give our members discounted memberships and rates. Look at that list and find a location that fits into your budget.

Learn more about health and wellness with Health Alliance.