Your Local Broker for Medicare Insurance Needs
Jay Looft Owner/Agent
•
•
•
•
Change is coming in 2025
Brought to you by – Jay
Looft, Senior Source Medicare
For insurance agents specializing in Medicare insurance, it kind of feels like the Annual Enrollment Period has already begun. Though it officially runs from October 15th - December 7th, 2024, a lot is happening already! First off, Medicare Prescription Drug Coverage is changing in 2025. Because of the Inflation Reduction Act of 2022, the hard cap of $2,000 per Medicare beneficiary in prescription drug spending goes into effect.
This is great for those Medicare beneficiaries that spend $2,000 or more in prescription cost for the year. For those that stick to low-cost generics, what is the new law expected to bring for prescription coverage?
Expectations point to higher premiums and higher deductibles for next year. Everyone on a Medicare Prescription Drug Plan will need to review their coverage and will probably need to shop for a new plan, even if it’s just a new plan with your current carrier.
What’s also happening next year,
2025, is existing and new Medicare Advantage companies are coming into Georgia.
More competition usually makes for stronger Medicare Advantage plans!
Traditional big players in the Medicare Advantage space will need to keep bringing better benefits to their members, otherwise market share will be taken by these newer plans.
Moving into next year, I see an emphasis on better quality customer service and better benefits that actually matter to the Medicare beneficiaries.
This will be one of those Annual Enrollment Periods where those who review their plan, and the other plans that are coming, are going to be the ones more satisfied with their Medicare experience in 2025.
If you would like to review your plan this coming fall, or just want to get on our text/email information list, give us a call today or visit our website at www. SeniorSourceMedicare.com/ContactSeniorSource.
“How do you know how deep to go?”
One of the most common questions that patients ask before Mohs surgery is how the surgeon knows the depth to cut. Mohs surgery is a method for curing skin cancer that involves removing tissue in layers. But how does the Mohs surgeon know how much to remove each time? The answer to that question has layers of its own.
Mohs surgery is performed on many different locations on the body, so the answer to how deep to cut varies by location. If a cancer is the size of a plum and on someone’s back, then the Mohs surgeon’s first stage will be cut as a relatively thick layer. In contrast, if the skin cancer is on the edge of someone’s eyelid, then the Mohs surgeon will cut a very thin layer of tissue – often only a millimeter thick on each side of the tumor – in order to preserve as much healthy eyelid as possible.
The details on the biopsy report influence the depth of cancer resection. Some basal cell carcinomas are characterized as “superficial type.” These cancers usually grow on the surface like moss on a tree, and deep cutting is often unnecessary. For other tumors, the pathologist may say the “deep margin” is involved. This means that the cancer went to the bottom of the biopsy. The Mohs surgeon cuts deeper on the first layer to ensure a level below the biopsy’s depth. Sometimes, the surgeon can even feel the likely thickness of a cancer
with (glove-covered) bare hands. Some tumors feel like a thick disk that is growing wide, not deep. Others feel like icebergs with abundant tumor lurking below.
One of the most important factors affecting second and subsequent layers is the amount of cancer seen under the microscope. If a tiny spot of cancer is left, then only a small amount of additional tissue removal may be necessary. In other cases, strands of cancer are diffusely visible under the microscope, and the surgeon knows that a substantial next cut is necessary to make progress.
Sometimes, when patients ask me how I know how deep to cut, I think that what they are asking is not what was discussed above but rather how I know how deep not to cut. How does the doctor know where the critical nerves or arteries are? The answer to that question is all the years of training focused on anatomy and experience gained during residency, fellowship and in practice. Mohs surgeons are expected to learn what layers of tissue are present in different locations and where the “danger zones” of critical nerves or blood vessels are. When a Mohs surgeon anticipates that an important structure is at risk, the Mohs surgeon will generally discuss this with the patient in advance of cutting and give the patient the opportunity to weigh the risks and benefits of proceeding.
We hope that this article was helpful and interesting. But a word of caution: please remember that this discussion of Mohs surgery is not exhaustive. Do not try this at home!
Insist
Dr. Brent Taylor is a Board-Certified Dermatologist, a Fellowship-Trained Mohs Surgeon, and is certified by the Board of Venous and Lymphatic Medicine in the field of Vein Care.
He is an expert in skin cancer and melanoma treatment, endovenous laser ablation, minimally invasive vein procedures and cosmetics procedures such as Botox and injectables.
Kathryn is a certified physician assistant with over 18 years experience as a Dermatology PA. We are excited to welcome her, as she brings with her experience in general dermatology and cosmetic dermatology.
Her specialties include general dermatology such as acne, eczema, rashes, hair loss, full body skin exams, abnormal growths etc. Kathryn also specializes in cosmetic dermatology including lasers, injectables, micro-needling, PRP, facial peels, sclerotherapy for spider veins and at home skin care.
Kathryn Filipek, PA-C
Brought to you by – Dr. Brent Taylor, Premier Dermatology and Mohs Surgery of Atlanta
Comprehensive Internal Medicine
Serving as the Medical Home for Roswell, Alpharetta, Milton, & Johns Creek, for over 20 years
Brought to you by – Comprehensive Internal Medicine
What is a medical home?
A medical home is an approach to providing comprehensive and high-quality primary care, in a coordinated fashion with specialists and consultants.
A medical home is patient-centered with many aspects that contribute to improved healthcare outcomes
• Accessibility: Care is easy for the patient to obtain, including geographic access and insurance accommodation.
• Family-centered: The patient and family are recognized and acknowledged, ensuring that all medical decisions are made in true partnership.
• Continuous: The same primary care clinician cares for patient, aiding and support through young adulthood through elder years.
• Comprehensive: Preventive, primary and specialty care are provided.
• Coordinated: A care plan is created in partnership with the patient and communicated with all health care clinicians.
• Compassionate: Genuine concern for the well-being of the patient is emphasized and addressed.
At Comprehensive Internal Medicine, we involve many team members at various levels to coordinate and provide patient care. Our doctors lead all clinical decisionmaking in a team approach, collaborating with the patient to tailor care in an individualized manner.
Understanding the intricacies of our patient’s care brings a deeper knowledge of the long-term care plan. Our team of administrative professionals strives to answer each call quickly, avoiding voice mail or a phone tree.
Our scheduling department quickly accommodates each patient’s scheduling needs.
We save appointment times for same-day appointments and are always welcoming new patients.
Whereas it may be convenient to see Urgent Care, we believe seeing your regular doctor brings your healthcare to a higher level, being seen quickly when needs arise prevents worsening medical symptoms.
Call today to establish with one of our many doctors. We have physicians who focus on young adult care, and others who have special training in the care of geriatric patients.
Alpharetta: (678) 205-9004 3180 North Point Pkwy | Suite 303 | Alpharetta, GA - 30005
Providing Medical Care Including the Prevention, Diagnosis and Treatment of Diseases
Comprehensive Internal Medicine has been serving the Alpharetta community for 20 years, celebrating this milestone anniversary in 2023. The medical practice offers a very comfortable environment and serves a medical home where patients are seen for their wellness examinations (checkups) and for the management of multiple medical problems. Same-day appointments are always available. We welcome new patients, take most insurance plans and discounts for self-pay patients.
• High Blood Pressure
Diabetes
Women’s Health
Thyroid Disease
Please join us in welcoming Alexis Buelow, MSN, APRN, FNP-C.
Obesity/Weight Loss
Arthritis
High Cholesterol • Seasonal Allergies
• Asthma
• Heart Disease
• Acute Illnesses such as: sore throat, flu, cough, common cold, etc.
• Alexis obtained her nursing degree from Georgia College & State University and worked as a registered nurse at Emory University Hospital for over 4 years, where she specialized in Internal Medicine. She then earned her Master of Science from Kennesaw State University in their Primary Care Nurse Practitioner Program. Alexis is a board certified FNP through the American Association of Nurse Practitioners (AANP). Alexis is a vital member of the Comprehensive Internal Medicine care team. She prides herself in forming lasting relationships with her patients, while also providing compassionate and individualized care.
• When she is not treating patients, Alexis enjoys spending time on the lake with her husband, doing Pilates, and trying new restaurants with family and friends.
J OBIORA, M.D. S PERVAIZ, M.D.
R BOZOF, M.D. S NANDI, M.D.
ISTOCK
Facts about sunscreen
Brought to you by – Dr. Titilola "Lola" Sode of Epiphany Dermatology - Brookhaven
What type of sunscreen should I use?
The best sunscreen is one that offers broad-spectrum protection against both UVA and UVB rays with an SPF of 30 or higher. Look for sunscreens labeled “broad-spectrum” to ensure protection against both types of harmful rays. Additionally, consider your skin type and any specific skin concerns when choosing a sunscreen. For oily or acne-prone skin, opt for oil-free or non-comedogenic formulas. If you have sensitive skin, choose sunscreens labeled hypoallergenic or fragrance-free. Water-resistant sunscreens are ideal for outdoor activities or swimming. Ultimately, the most effective sunscreen is one that you will use consistently and reapply as needed.
How Often Should I Apply Sunscreen?
It’s essential to apply sunscreen liberally and frequently for adequate protection against sun damage. Apply sunscreen at least 15 minutes before sun exposure to allow it to absorb into the skin fully. Reapply sunscreen every two hours, or more frequently if you’re swimming or sweating heavily. Remember to reapply after towel drying as well. Additionally, apply sunscreen to all exposed skin, including your face, neck, ears, and any other uncovered areas. Sunscreen is a vital component of sun protection, but it’s also essential to seek shade, wear protective clothing, and avoid prolonged sun exposure, especially during peak UV hours.
Change is coming in 2025
Brought to you by – Jay Looft, Senior Source Medicare
For insurance agents specializing in Medicare insurance, it kind of feels like the Annual Enrollment Period has already begun. Though it officially runs from October 15th - December 7th, 2024, a lot is happening already!
First off, Medicare Prescription Drug Coverage is changing in 2025. Because of the Inflation Reduction Act of 2022, the hard cap of $2,000 per Medicare beneficiary in prescription drug spending goes into effect.
This is great for those Medicare beneficiaries that spend $2,000 or more in prescription cost for the year. For those that stick to low-cost generics, what is the new law expected to bring for prescription coverage?
Expectations point to higher premiums and higher deductibles for next year. Everyone on a Medicare Prescription Drug Plan will need to review their coverage and will probably need to shop for a new plan, even if it’s just a new plan with your current carrier.
What’s also happening next year, 2025, is existing and new Medicare Advantage companies are coming into Georgia.
More competition usually makes for
stronger Medicare Advantage plans!
Traditional big players in the Medicare Advantage space will need to keep bringing better benefits to their members, otherwise market share will be taken by these newer plans.
Moving into next year, I see an emphasis on better quality customer service and better benefits that actually matter to the Medicare beneficiaries.
This will be one of those Annual Enrollment Periods where those who review their plan, and the other plans that are coming, are going to be the ones more satisfied with their Medicare experience in 2025.
If you would like to review your plan this coming fall, or just want to get on our text/email information list, give us a call today or visit our website at www. SeniorSourceMedicare.com/ContactSeniorSource.
Your Local Broker for Medicare Insurance Needs
Paige Gorman Agent
•
Be aware of fraudulent transfer of properties in Fulton County
Brought to you by – Geerdes & Associates
In today’s fast-paced world, staying informed about important legal filings related to real estate is crucial. Whether you are a homeowner, a real estate agent, or simply interested in tracking property records, FANS’s timely alerts allow you to keep a close eye on the legal documents related to a property - and act swiftly in the case of fraudulent filings. Take advantage of the transparency of FANS and make sure you cover this aspect of your asset protection today.
In the last few years, our clients have asked about the possibility of fraudulent transfers of properties without the owner being notified. While this does not happen for homeowners who have their properties in a trust, those who don't have a trust yet must be aware of this risk. Fortunately, Fulton County has set up an alert system to notify you when there is a change of ownership or legal document filed for a designated property. This alert system is called the Filing Activity Notification System (FANS) Spearheaded by the Clerks of the Superior Court, FANS is an optin notification system. By simply creating an account and setting your notification preferences, you can immediately receive alerts about deeds, mortgages, and liens that are filed on your property. FANS operate by connecting directly with the Superior Court’s index database, which contains records of all the documents filed for every property in Fulton County. When you set up an account, FANS will automatically send you a notice whenever documents are filed for a designated property.
HOLLY GEERDES Estate Law Center USA Top 5% Super Lawyer in Georgia
INVESTIGATIVE REPORTING
While covering Milton election operations, Appen Media analyzed historical voter data and identified possible disenfranchisement.
This reporting caused a statewide watchdog to get involved and, eventually, the city moved to add a polling place to the area. Later in the year, Appen discovered that the feasibility report the City Council used when voting to run their own elections was not the original document. Two residents on a working committee had altered it after city staff had completed it and before its presentation to council. Appen Media reporters identified all of the differences between the two documents and then created an interactive digital document. Readers and officials were able to scroll through the materials and read notes from the newsroom explaining the differences. You can find this document at appenmedia.com/electionsreport.
