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The New American Christmas
I received this message from my good friend, Ray Wilson:
As the holidays approach, the giant Asian factories are kicking into high gear to provide Americans with monstrous piles of cheaply produced goods — merchandise that has been produced at the expense of American labor. This year will be different. This year Americans will give the gift of genuine concern for other Americans. There is no longer an excuse . . . that, at gift giving time, nothing can be found that is produced by American hands. Yes there is!
It’s time to think outside the box. Who says a gift needs to fit in a shirt box, wrapped in Chinese produced wrapping paper?
Everyone — yes EVERYONE gets their hair cut. How about gift certificates from your local American hair salon or barber?
Gym membership? It’s appropriate for all ages who are thinking about some
health improvement.
Who wouldn’t appreciate getting their car detailed? Small, American owned
detail shops and car washes would love to sell you a gift certificate or a book of gift certificates.
Are you one of those extravagant givers who think nothing of plonking down
the Benjamins on a Chinese made flat-screen? Perhaps that grateful gift receiver would like his driveway sealed, or lawn mowed for the summer, or
driveway plowed all winter, or games at the local golf course.
There are a bazillion owner-run restaurants — all offering gift certificates. And, if your intended isn’t the fancy eatery sort, what about a half dozen breakfasts at the local breakfast joint. Remember, folks this isn’t about big National chains — this is about supporting your home town Americans with their financial lives on the line to keep their doors open.
How many people couldn’t use an oil change for their car, truck or motorcycle, done at a shop run by the American working guy?
Thinking about a heartfelt gift for mom? Mom would LOVE the services of a
local cleaning lady for a day.
My computer could use a tune-up, and I KNOW I can find some young guy who is struggling to get his repair business up and running.
OK, you were looking for something more personal. Local crafts people spin
their own wool and knit them into scarves. They make jewelry, and pottery
and beautiful wooden boxes.
Plan your holiday outings at local, owner operated restaurants and leave
your server a nice tip. And, how about going out to see a play or ballet at
your hometown theatre.
Musicians need love too, so find a venue showcasing local bands.
Honestly, do you REALLY need to buy another ten thousand Chinese lights for
the house? When you buy a five dollar string of light, about fifty cents stays in the community. If you have those kinds of bucks to burn, leave the mailman, trash guy or babysitter a nice BIG tip.
You see, Christmas is no longer about draining American pockets so that
China can build another glittering city. Christmas is now about caring about
US, encouraging American small businesses to keep plugging away to follow
their dreams. And, when we care about other Americans, we care about our
communities, and the benefits come back to us in ways we couldn’t imagine.
THIS is the new American Christmas. Spread the Christmas cheer.
Medicare’s Open Enrollment Season Already Underway
This year’s holiday shopping season has begun early for Medicare beneficiaries: the program’s Open Enrollment Period, during which you can enroll in or switch plans, began October 15 and ends on December 7.
During this period, you may enroll in a Medicare Part D (prescription drug) plan or, if you currently have a plan, you may change plans. In addition, during the seven-week period you can return to traditional Medicare (Parts A and B) from a Medicare Advantage (Part C, managed care) plan, enroll in a Medicare Advantage plan, or change Advantage plans. Beneficiaries can go to www.medicare.gov or call 1-800-MEDICARE to make changes in their Medicare prescription drug and health plan coverage.
Even beneficiaries who were satisfied with their plan in 2011 need to review their options for 2012, particularly because things are still in flux due to changes brought on by the health care law. Prescription drug plans can change their premiums, deductibles, the list of drugs they cover, and their plan rules for covered drugs, exceptions and appeals. Medicare Advantage plans can change their benefit package and as well as their provider network.
According to the federal Centers for Medicare and Medicaid Services (CMS), Medicare Advantage premiums are expected to decrease by an average of 4 percent next year from this year, while Part D plan premiums will likely increase about 2 percent to $30 a month, on average.
“There’s no doubt that a lot of seniors are in the wrong plan,” Ross Blair, the CEO of PlanPrescriber.com, a site that compares Medicare plans, told SmartMoney. “A lot of them could save hundreds of dollars a year by switching.”
Reaching for the Stars
One change beneficiaries using the Medicare Plan Finder will notice this year is CMS’s enhanced five-star rating system. Plans that have achieved a five-star rating from CMS are identified with a “gold star” icon. Those that have received a low overall quality rating for the past three years are identified with a “warning signal” icon. Another new innovation is that there is no time limit to switch into a five-star Advantage or prescription drug plan. Medicare beneficiaries have one opportunity to switch to one of these top-rated plans anytime during 2012. (For more on the significance of the star rating system, see “Medicare Plans See Dollars in the Stars.”)
If you want out of your Advantage plan after December 7, you can “disenroll” between January 1 and February 14. At that point you can return to traditional Medicare and add a Part D plan, or move into a five-star Advantage plan. But if you return to traditional Medicare you may not be able to buy Medigap coverage at that point, although the rules vary by state.
If you take no action, you will remain in your current plan unless your Medicare Advantage or drug plan is terminating its Medicare contract. Also, if you receive the Low-Income Subsidy (LIS) to help pay for some or most of your Part D drug costs, you may be randomly reassigned to a different plan. (For more on the LIS program, also known as “Extra Help,” click here.)
Some factors to consider when evaluating your drug plan include:
•What is the monthly premium?
•Does the plan continue to cover necessary drugs?
•Does the plan provide coverage for drugs in the “doughnut hole” or coverage gap?
•What pharmacies are covered under the plan?
Some factors to consider when comparing Medicare Advantage plans include:
•What is the monthly premium?
•What is the cost-sharing for doctor visits?
•Which doctors and hospitals are covered?
•Is prescription drug coverage included?
•Are any other extra benefits included and will they be useful to you?
(For a MarketWatch article on picking an Advantage plan, click here.).
Remember that fraud perpetrators will inevitably use the Open Enrollment Period to try to gain access to individuals’ personal financial information. Medicare beneficiaries should never give their personal information out to anyone making unsolicited phone calls selling Medicare-related products or services or showing up on their doorstep uninvited. If you think you’ve been a victim of fraud or identity theft, contact Medicare. For more information on Medicare fraud, click here or here.
Here are more resources for navigating the Open Enrollment Period:
•The 2012 Medicare & You handbook, which all Medicare beneficiaries should have received. The handbook can also be downloaded online at: www.medicare.gov/publications/pubs/pdf/10050.pdf
•The Medicare Rights Center: www.medicareinteractive.org
•Your State Health Insurance Assistance Program, which offers independent counseling: https://shipnpr.shiptalk.org/
•Kiplinger’s “How to Compare Medicare Advantage Plans”
•Medicare Plan Finder: www.medicare.gov/find-a-plan
•U.S. News on “Understanding Your 2012 Medicare Enrollment Statements”
For more about Medicare, click here.
