Do your friends have health insurance? What do you know about your children’s or grandchildren’s health insurance status? Do they have health insurance coverage through their employment? If yes, do they pay a lot each month in premiums? Are they self-employed, seasonal employees or unemployed and without insurance? Now is the perfect time to help them find out more about the Missouri Health Insurance Marketplace. Your county CMAAA care coordinator is trained to assist individuals and families who are either uninsured or their insurance is too expensive “navigate” the Marketplace to find affordable health insurance. Yes, these are the same CMAAA care coordinators you trust to give you quality information about your Medicare Part D options. CMAAA’s county care coordinators are federally-certified and state- licensed Marketplace navigators and can help individuals under 64-years old and families through every step of the Missouri Health Insurance Marketplace enrollment process. They can help: create a Marketplace account; • apply; • compare health insurance • plans side-by-side so there’s no guesswork; find out if they’re eligible • for financial help to pay for coverage; and assist them in enrolling in • a health insurance plan that meets their needs and budget. All plans in the Marketplace cover essential health benefits, pre-existing conditions, and more. CMAAA care coordinators provide fair and accurate information, and they do not charge for their services. Open enrollment for the Missouri Health Insurance Marketplace ends March 31, 2014. Persons who enroll by December 15th and pay their first premium can expect coverage to start January 1, 2014. Contact your CMAAA county care coordinator for more information or to schedule an appointment. (See page 8 for a complete listing of CMAAA care coordination staff.) And, be on the lookout for CMAAA- sponsored presentations in your area at local public libraries or at your senior center. Here are some of the presentations scheduled: November 16 Wood Place Public Library 501 S. Oak St. in California Presentation at 10:00 a.m. and again at 1:00 p.m. November 16 Daniel Boone Library 100 W. Broadway in Columbia Assistance with enrollment. Call 800-369-5211 to schedule an appointment. Walk ins are welcome. November 18 Washington County Library 235 E. High St. in Potosi Presentation at 4:00 p.m. and again at 6:30 p.m. November 19 Salem Public Library 102 N. Jackson St. in Salem Presentation at 10:00 a.m. and again at 1:00 p.m. December 2 Chamois School in Chamois Presentation at 7:00 p.m. December 3 Owensville Public Library 107 N. First St. in Owensville Presentation at 4:00 p.m. and again at 6:30 p.m. December 7 Central MO Area Agency on Aging Central Office 1121 Business Loop 70 East, Suite 2A in Columbia Assistance with enrollment. Call 800-369-5211 to schedule an appointment. Walk ins are welcome. December 8 Rolla Public Library 900 N Pine St. in Rolla Presentation at 2:00 p.m. December 10 Cuba Senior Center From the CEO.....................................2 SHL’s Five Priorities...........................3 Arthritis and Influenza......................4 Dear Beth................................... .......6 Hey, Kay ..............................................7 Vol. XL, No. 3 November/December 2013 Continued on Page 3. CMAAA Staff Can Help People Navigate the Marketplace
Transcript
Do your friends have health insurance? What do you know about your children’s or grandchildren’s health insurance status? Do they have health insurance coverage through their employment? If yes, do they pay a lot each month in premiums? Are they self-employed, seasonal employees or unemployed and without insurance?
Now is the perfect time to help them find out more about the Missouri Health Insurance Marketplace. Your county CMAAA care coordinator is trained to assist individuals and families who are either uninsured or their insurance is too expensive “navigate” the Marketplace to find affordable health insurance. Yes, these are the same CMAAA care coordinators you trust to give you quality information about your Medicare Part D options.
CMAAA’s county care coordinators are federally-certified and state-licensed Marketplace navigators and can help individuals under 64-years old and families through every step of the Missouri Health Insurance Marketplace enrollment process. They can help:
create a Marketplace account; •apply; •compare health insurance •plans side-by-side so there’s no guesswork; find out if they’re eligible •for financial help to pay for coverage; and
assist them in enrolling in •a health insurance plan that meets their needs and budget.
All plans in the Marketplace cover essential health benefits, pre-existing conditions, and more. CMAAA care coordinators provide fair and accurate information, and they do not charge for their services.
Open enrollment for the Missouri Health Insurance Marketplace ends March 31, 2014. Persons who enroll by December 15th and pay their first premium can expect coverage to start January 1, 2014.
Contact your CMAAA county care coordinator for more information or to schedule an appointment. (See page 8 for a complete listing of CMAAA care coordination staff.)
And, be on the lookout for CMAAA-sponsored presentations in your area at local public libraries or at your senior center. Here are some of the presentations scheduled:
November 16Wood Place Public Library501 S. Oak St. in CaliforniaPresentation at 10:00 a.m. and again at 1:00 p.m.
November 16 Daniel Boone Library 100 W. Broadway in Columbia Assistance with enrollment. Call 800-369-5211 to schedule an appointment. Walk ins are welcome.
November 18Washington County Library 235 E. High St. in PotosiPresentation at 4:00 p.m. and again at 6:30 p.m.
November 19Salem Public Library 102 N. Jackson St. in SalemPresentation at 10:00 a.m. and again at 1:00 p.m.
December 2Chamois School in ChamoisPresentation at 7:00 p.m.
December 3Owensville Public Library107 N. First St. in OwensvillePresentation at 4:00 p.m. and again at 6:30 p.m.
December 7Central MO Area Agency on Aging Central Office1121 Business Loop 70 East, Suite 2A in ColumbiaAssistance with enrollment. Call 800-369-5211 to schedule an appointment. Walk ins are welcome.
December 8Rolla Public Library900 N Pine St. in RollaPresentation at 2:00 p.m.
December 10Cuba Senior Center
From the CEO.....................................2SHL’s Five Priorities...........................3Arthritis and Influenza......................4Dear Beth................................... .......6Hey, Kay..............................................7
Vol. XL, No. 3 November/December 2013
Continued on Page 3.
CMAAA Staff Can Help People Navigate the Marketplace
2 November/December 2013
The Central Missouri Area Agency on Aging (CMAAA) is a private, not-for-profit Area Agency on Aging serving 19 counties in Mid-Missouri: Audrain, Boone, Callaway, Camden, Cole, Cooper, Crawford, Dent, Gasconade, Howard, Laclede, Maries, Miller, Moniteau, Morgan, Osage, Phelps, Pulaski and Washington.
CMAAA recognizes the individual capabilities and needs of each older person. Therefore, CMAAA’s mission is to assist communities in establishing a full range of services, which allow older persons to live in the most independent manner possible.
OfficersLorraine Dowler, President
(Miller)Fred West, 1st Vice President
(Audrain)Elinor Snelson, 2nd Vice President
(Crawford)
MembersKenny Harrison (Boone)Jim Ringland (Callaway)
James Kitterman (Camden)Patrice Donehue (Cole)
Vacant (Cooper)Robert Edwards (Dent)
Robert Niebruegge (Gasconade)Debra Miller (Howard)
There are confusing advertisements and news reports about health insurance, marketplaces, and Medicare Part D. Almost makes one’s head spin! We are here to help you sort out the confusion and cut through all the political rhetoric.
Right now, there are two “open enrollment” periods underway.
If you are a Medicare beneficiary (Medicare is your health insurance), you need to pay attention to the “open enrollment” for Part D prescription drug coverage. It begins October 15 and ends December 7. Changes take effect on January 1. We strongly urge you to review your options and make your decision early.
Each year insurance companies have the right to change their Part D plans – they can change their premiums, their deductibles, their co-pays, the drugs they will cover, and even the pharmacies that will accept their insurance. Your prescription medications may have changed over the year. Due to all these changes, a plan that worked very well for you this year, might not be the best plan for you in 2013. And, because we all take different medications, the best plan for you may not be the best plan for your spouse or your neighbor or your friend.
Each Medicare beneficiary needs to study the options, compare them to your current prescription needs, and make an informed decision. Let us help you! Elsewhere in this issue you can learn about the opportunities we provide for assistance with Medicare issues.
You might also be hearing about “open enrollment” for the Missouri Health Insurance Marketplace. This runs from October 1, 2013 through March 31, 2014. This is for people who are currently uninsured or can’t afford their health insurance coverage. They can check out the Missouri Health Insurance Marketplace for options for affordable health insurance in 2014. These options are happening because of the Affordable Care Act.
The Marketplace is new. We along with other community partners will make educational presentations throughout our 19 county area to help you understand the Marketplace. We also have specially trained, certified and licensed individuals (called “Navigators”) who can help you one-on-one to understand and obtain health insurance through the Marketplace.
If you have Medicare, you have affordable health insurance so you do not need to be concerned about the “open enrollment” period for the Missouri Health Insurance Marketplace. If you don’t have health insurance or you can’t afford the health insurance you do have, please check out the Marketplace during the open enrollment period.
3November/December 2013
Silver Haired Legislators Meet in Capitol to Advocate for Senior Issues
Marketplace Continued from Page 1.
The 40th Annual Conference of the Silver Haired Legislature took place at the State Capitol in Jefferson City on October 9, 10, and 11. The 114 delegates in attendance set aside personal beliefs and political affiliations to come together and work for betterment of all Missouri seniors. After spirited debates in the legislative chambers, the delegates chose these issues as their top five priorities for concentrated political and community action:
Restore and increase funding for MoHealthNet, 1. home-delivered, and congregate meals.Increase funding to the Area Agencies on Aging to 2. provide transportation for the elderly.Increase the allowable asset level for MoHealthNet 3. recipients.Institute a Silver Alert system to be combined with 4. the Amber Alert system already in operation.
Amend the Missouri statutes concerning the granting 5. of rights of guardianship to grandparents.
The work of Silver Haired delegates continues as they advocate for the priorities within their respective districts, asking for support from legislators and local groups with interests in senior issues. CMAAA SHL Chairperson Pat Donehue serves on the State’s SHL Board of Directors.
Missouri’s Silver Haired Legislature was founded in 1973, the first in the nation after the Older Americans Act was amended to include advocacy groups. The SHL is composed of fifteen volunteers from each of the ten statewide Area Agencies on Aging. These 150 senior activists, elected by their peers, identify and advocate for issues critical to older Missourians.
CMAAA SHL Delegation - First row, pictured left to right - Pat Donehue, Alice Scrivner, Bill Deeken and Elizabeth Broughton.
Second row, pictured left to right - Sherman Davis, Richard Hirst, Judy Baumgartner, Norma Moore, Bill Trimm and CMAAA SHL Staff Coordinator Kate King. Not pictured but attended the SHL Annual Session were Russel Breyfogle and Harold Enslen.
Everyone at CMAAA wishes you Happy Holidays
and a Happy New Year!
CMAAA’s central office, all senior centers and care coordination offices will be closed during the following holidays:
ThanksgivingThursday, November 28 and Friday, November 29
Christmas HolidayWednesday, December 25
New Year’s Day HolidayWednesday, January 1
206 N. Smith St. in CubaPresentation at 4:00 p.m. and again at 6:30 p.m.
December 14Central MO Area Agency on Aging Central Office1121 Business Loop 70 East, Suite 2A in ColumbiaAssistance with enrollment. Call 800-369-5211 to schedule an appointment. Walk ins are welcome.
Presentations in CMAAA’s other counties are in the process of being scheduled.
4 November/December 2013
Medications that May Increase the
Risk for Flu and its Complications
Steroids (corticosteroids) taken by mouth or intravenously, not applied to the skin or injected
into a joint.
prednisone (Deltasone, •
Orasone, Prednicin-M, Sterapred)
prednisolone (Prelone)•
methlyprednisone (Medrol)•
hydrocortisone (Cortef, •
Hydrocortone)
dexamethasone (Decadron, •
Hexadrol)
cortisone acetate (Cortone)•
betamethasone (Celestone)•
DMARDs (disease-modifying antirheumatic drugs)
methotrexate (Rheumatrex, •
Trexall)
azathioprine (Imuran, Azasan)•
hydroxychloroquine •
(Plaquenil)
leflunomide (Arava)•
sulfasalazine (Azulfidine)•
Biological response modifiers (biologics)
etanercept (Enbrel)•
infliximab (Remicade)•
adalimumab (Humira)•
anakinra (Kineret)•
abatacept (Orencia)•
rituximab (Rituxan)•
tacrolimus (Prograf, FK-506, •
fujimycin)Continued on Page 5.
How does arthritis affect how I respond to the flu?
People with certain types of •
arthritis, called inflammatory rheumatic disease or autoimmune rheumatic disease, have a higher risk of getting respiratory infections as well as flu-related complications, such as pneumonia.
Inflammatory arthritis affects •
the immune system which controls how well your body fights off infections. Also, many medications given to treat inflammatory arthritis can weaken the immune system. People with weakened immune systems are at high risk for getting more severe illness and complications such as pneumonia or hospitalization with the flu. Rheumatoid arthritis and lupus are the most common types of inflammatory arthritis.
Older adults with osteoarthritis, •
also called degenerative arthritis, are likely not at increased risk of complications from the flu unless they also have other high-risk conditions for flu such as asthma, diabetes, heart disease, or cancer.
The best way to prevent the flu •
is to get vaccinated every year.
Persons who have the following types of inflammatory arthritis or rheumatic disease or take certain medications may be at high risk for influenza and its complications. You should discuss your risk for complications from the flu with your healthcare provider.
Do I need to get a flu shot?
Yes, CDC recommends certain persons with weakened immune systems, which includes people with
inflammatory arthritis, get a flu shot every year.
People living with inflammatory •
arthritis should get the “flu shot”— an inactivated vaccine (containing fragments of killed influenza virus) that is given with a needle, usually in the arm. The flu shot is approved for use in people with inflammatory arthritis.
The other type of flu vaccine •
— nasal-spray flu vaccine (sometimes called LAIV for “live attenuated influenza vaccine)—is not recommended for people with inflammatory arthritis. This vaccine is made with live, weakened flu viruses that do not cause the flu. LAIV (FluMist®) is approved for use in healthy people 2-49 years of age.
What are the symptoms of the flu?
The symptoms of the flu •
include:
Fever/Chills,o
Cough,o
Sore throat,o
Runny or stuffy nose,o
Body aches,o
Headache, ando
Fatigue.o
How can I avoid getting the flu or giving the flu to others?
The flu is spread from person-to-person by coughing or sneezing by people with influenza. Sometimes people may become infected by touching something – such as a surface or object – with flu viruses on it and then touching their mouth
Arthritis and Influenza Update
5November/December 2013
Arthritis and the Flu Continued from Page 4.
or nose. You can take simple actions to protect yourself and others from getting the flu:
Get a seasonal flu shot every •
year.
Cover your nose and mouth •
with a tissue when you cough or sneeze. Throw the tissue in the trash after you use it.
Wash your hands often with •
soap and water, especially after you cough or sneeze. If soap and water are not available, use an alcohol-based hand rub.
Avoid touching your eyes, nose, •
or mouth. Germs spread this way.
Try to avoid close contact with •
sick people.
If you are sick with flu-like •
illness, seek medical care early. Your health care provider can determine if you need to be treated with antiviral medication.
Keep away from others as much •
as possible to keep from making others sick.
What should I do when I am sick?
If you develop flu-like •
symptoms contact your healthcare provider.
Avoid contact with others. You •
should stay home and avoid travel, including not going to work or school, until at least 24 hours after your fever is gone except to get medical care or necessities. Your fever should be gone without using fever-reducing medications.
Do not stop taking any •
medicine you take for your arthritis unless told to do so by your physician.
Seek medical attention early •
if you develop symptoms of the flu. Treatment is available for persons with severe disease and those at high risk for complications. Persons with inflammatory arthritis are considered high risk for complications from the flu; therefore, your health care provider may choose to prescribe antiviral medications for you if you get the flu.
If you are exposed to someone •
who has flu, consult your health care provider. They may prescribe medication to help prevent you from getting the flu or watch you closely to see if you develop flu symptoms.
Additional Facts:
The flu vaccine contains an •
inactivated (killed) influenza virus; the vaccine cannot cause the flu.
The flu vaccine does not make •
arthritis symptoms worse.
Some persons taking biologic •
response modifying drugs (e.g. rituximab) may have a lower immune response to the flu vaccine. However, most experts agree that the immune response is sufficient to protect against the disease or shorten the course of the disease. The timing of treatment and vaccination may be important; talk to your health care provider about the best time that you should get the flu vaccine.
The flu vaccine approved by the •
FDA each year has a long record of safety and effectiveness.
This year, only 1 vaccination is needed for most people.
This article is from the Centers for Disease Control and Prevention website. For more information about arthritis, check out the CDC website: http://www.cdc.gov/arthritis/index.htm.
Types of Inflammatory Arthritis
Rheumatoid arthritis (RA)•
Systemic lupus erythematosus •
(SLE)
Psoriatic arthritis•
Anti-phospholipid syndrome•
Polymyalgia rheumatica•
Systemic sclerosis/scleroderma•
Spondyloarthropathies•
Sjögren’s syndrome•
Polymyositis/dermatomyositis•
Vasculitis (e.g giant cell •
arteritis)
Necrotising arteritis•
Sarcoidosis•
Polyarteritis nodosa•
6 November/December 2013
Ombudsmen answer questions about long-term care, help residents solve problems and assist families on behalf of residents. This service is free and all contacts between ombudsman and caller are confidential. For more information about the Ombudsman program, or to become trained as an ombudsman volunteer, contact the Ombudsman Program staff at CMAAA, 1121 Business Loop 70 East, Suite 2A, Columbia, MO 65201, (800) 369-5211 or (573) 443-5823.
By Beth Busseau, Ombudsman Program Director
Dear Beth:
My father recently moved into a nursing home in our town. We visit with him regularly but would like to have Dad come home over the holidays while our kids are home from college and his sister is here from out of state. The nursing home is indicating that this is not a good idea. Sincerely, Conflicted.
Dear Conflicted: Holidays are traditionally a time when we get together with family and friends. It is wonderful that you would like to include your father in the festivities. There are a few things to consider before planning the outing. Does your father want to make the trip? Ask him. Giving our elders choice is a great way to honor them. If he says “no”, try to find out why. He may feel he is a burden to you and your holiday planning. You can then alleviate any concerns he is having and express your desire to have everyone together. The nursing home staff may have expressed concern due to his medical condition, his energy level, behaviors they experienced, or safety issues while away from the nursing home. Ask them about their concerns and address with them how you can care for Dad while he is in your home. Talk to staff regarding your father’s routine in order to avoid unexpected behaviors and consider instructions that are known to be effective to alleviate behaviors while with you so you are not caught off guard. Be sure to give the nursing home time to get his medications and any instructions ready for his time away from the nursing home so you and your family can best care for any medical conditions your father has.
Remember that outings for older persons can be emotionally and physically draining. You could arrange for a place for your Dad to take a nap while visiting with you; and if this is not an overnight outing, consider returning him to the nursing home before the holiday party is over. Make arrangements for transportation in advance so the driver knows he will be called upon when needed. Be sure to provide a safe environment for your father. He may not be as capable as the last time he was in your home and may need additional assistance even
though he refuses help. The visit will go smoothly if a person is designated in advance to provide care and knows they will be responsible for toileting and providing personal care while in your home. Be sure to ask the home for its “Leave of Absence Policy” to ensure that you do not incur unexpected expenses while your father is with you. Medicaid recipients in the Missouri receive full reimbursement for twelve (12) nights in a six month period (January to June and July to December) to visit friends or relatives. Private pay residents may have costs as determined by the Admission Agreement signed upon taking up residence at the nursing home. I hope you enjoy your family time this holiday. Focus on those that are with you; and simplify the preparations in order to reduce tension, thereby allowing everyone to catch the holiday spirit!
Happy Holidays, Beth
7November/December 2013
My Medicare Part D prescription drug plan increased its monthly premium. But, don’t they all?
No. While some plans did increase their monthly premiums, some plans decreased their monthly premiums. Missouri has several plans that decreased their premiums.
The Central Missouri Area Agency on Aging (CMAAA) Care Coordinators have been reviewing Part D prescription drug plan reviews since October 15 when Open Enrollment started. Here are some of their findings:
90 percent of the individuals •have saved anywhere from $200 - $1,000 by changing plans. Research shows that people with Part D could lower their costs by changing their Part D plans each year. You may have to change pharmacies for savings of this size but not always.
We use the Medicare Plan •Finder which makes it so easy to compare plans. We do not sell insurance and we are unbiased. And, this serivce is free!
Several clients have found that •the plan they are currently in will not cover one or more of their medications in 2014. Your current plan may not send you a complete list of drugs (formulary) so it’s a good idea to allow us to review your plan’s formulary changes.
Even if you are satisfied with your current Part D prescription it is highly recommended that you have your CMAAA County Care Coordinator review your coverage for 2014. It doesn’t take long and you will have peace of mind that there will be no surprises when you fill your medications in 2014.
We can help you shop for the Part D plan that best meets your personal
needs and financial situation. Don’t know where to call; you can contact your county CMAAA Care Coordinator to make an appointment. (See page 8 for a complete listing of Care Coordinators.)
For more information about the Medicare Part D Open Enrollment Period call your local County Care Coordinator or Kay Barbee, Medicare Outreach Consultant.
Kay can be reached at (800) 369-5211 or (573) 443-5823 or you can e-mail Kay at [email protected].
Call today for an appointment. Open enrollment for Medicare Part D
ends December 7th.
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a monthly publication for senior citizens
and for those who sharetheir concerns.
ADVERTISING POLICY: CMAAA does not endorse or guarantee any of the businesses, products or services advertised herein.
By Kay Barbee, CMAAA Medicare Consultant
Hey Kay...Your source for Medicare answers
8 November/December 2013
Audrain CountyCarol Senor(573) 581-7678
Boone CountyChristie DykstraDonna Jo Hichens(573) 443-5823
Callaway CountyKaren Elwood(573) 642-6772
Camden CountySamantha Sutton(573) 346-1834
Cole CountyTrish Luther(573) 634-8828
Cooper CountyKaren Wright(660) 882-3444
Crawford CountyTanya Johnson(573) 885-2922
Dent CountyJackie Overby(573) 729-5697
Gasconade CountyTonya Lansford (573) 437-2532
Howard CountyKaren Wright(660) 882-3444
Laclede CountyJoan Martin(417) 588-4300
Maries CountyKathleen Humphrey(573) 422-3322
Miller CountyKathleen Humphrey(573) 392-7229
Moniteau CountyMichele Porter(573) 796-4051
Morgan CountyMichele Porter(573) 378-9980
Osage CountyTonya Lansford (573) 437-2532
Phelps CountyScott Shaffer(573) 265-0616
Pulaski CountyMary Ann Mathews (573) 774-3390
Washington CountyRobin McElrath(573) 438-5962
Care Coordination DirectorHugh Smith(800) 369-5211 or (573) 443-5823
CARE COORDINATORS
SENIOR CENTERSBoonslick Senior Center (Boonville)(660) 882-2344
Bourbon Senior Center(573) 732-4268
California Nutrition Center(573) 796-4240
Callaway Senior Center (Fulton)(573) 642-2458
Camdenton Senior Center(573) 346-2776
Conway Senior Center(417) 589-2079
Crocker Senior Cetner(573) 736-5405
Cuba Senior Center(573) 885-2909
Dixon Senior Center(573) 759-6313
Eldon Senior Center(573) 392-6102
Fayette Senior Citizens Center(660) 248-3733
Friendship Hall (Iberia)(573) 793-2747
Glasgow Senior Center(660) 338-2975
Hughes Center (Lebanon)(417) 532-3040
Jefferson City CentersClarke Senior Center(573) 634-8020
Senior Center @ the Mall(573) 635-4120
Linn Nutrition Center(573) 897-4221
Macks Creek Senior Center(573) 363-0153
Mexico Senior Center(573) 581-7743
Moniteau Nutrition Center (Tipton)(660) 433-2715
Oakland Senior Center (Columbia)(573) 449-8000
Owensville Senior Center(573) 437-3096
Rolla Elderly Highrise(573) 341-2929
Salem Senior Center(573) 729-2373
Sayers Senior Center (Potosi) (573) 438-3237
St. James Golden Age Center(573) 265-7072
Stoutland Senior Center(417) 286-3880
Versailles Senior Center(573) 378-6232
Vienna Senior Center(573) 422-3834
Warren Senior Center (Richland)(573) 765-5414
Waynesville/St. Robert Sr. Center(573) 774-2668
Westside Senior Center (Laurie) (573) 372-3588
County Services DirectorLeilani LaCasse(800) 369-5211 or (573) 443-5823
