JEANNE POPPE
MN HOUSE
Home for the Holidays Hormel Historic Home shares winter wonder through decor
By Hannah Yang hannah.yang@austindailyherald.com
Below the Hormel Historic Home, a large storage room filled to the brim with Christmas decorations will soon see the light of day and welcome the holiday spirit. Boxes upon boxes of C h r i s t m a s t re e o r n a ments, trees and garlands are organized by color and size. There’s little trinkets scattered here and there, but each part plays a role in the annual decorating. For Kim Guzman, this was her absolute favorite time of year: preparing the Hormel Historic Home for Christmas.
tion of the house was decorated. This place is like a grand old lady that needs her jewelry for Christmas.” For six years, Guzman had been decorating the Hor mel Historic Home with strong roots in tradition. She first became hooked after decorating the home’s main staircase for her daughter’s wedding and has since been the ring leader in rallying her three Find this story and more in “elves” to bring some the November-December editon of Austin Living mag- cheer to the employees and the Austin community. azine available October 26. “We get together,” she “It’s just a grand home,” said. “We start from the Guzman said. “When we top and work our way started, not even a frac- down. My goal is to have a
Kim Guzman stands in the basement of the Hormel Historic Home, surrounded by all the Christmas decorations that will find their way to the upstairs rooms of the mansion. Eric Johnson/photodesk@austindailyherald.com
tree in every room of the Hor mel Historic Home. I’m a Christmas decorating enthusiast and I’ve always been that way. I lead two others to help me decorate. We craft something
every year.” Each Christmas, Guzm a n wo u l d r a l l y h e r “elves” and spend several weekends decorating the home with festive flourishes and Christmas trees that
reach the ceilings, and are adorned with ornaments that indicate a theme, and there’d be centerpieces and tablescapes.
See GUZMAN, Page 5
Cost Plans for Medicare to end, experts say there are still options this change goes into effect next year. However, for 21 counties, their Cost Plans will continue to be available.
By Hannah Yang hannah.yang@austindailyherald.com
Mower County will be one of 66 counties where Medicare Cost Plans will not be available in 2019 because of a change in federal law which requires all health insurance companies to stop offering Cost Plans in the majority of the state’s counties. Because of this, advisers strongly recommend their clients to sit down with a broker and discuss what plans they have available to them, and to understand what plans would be the best based on their budget and what their specific medical needs are. “They went from having three options to now just having two,” said Charles Moline, an AdvisorNet financial consultant. “The cost plan was the most popular selling plan available in many counties in Minnesota.” A Medicare Cost Plan is a type of Medicare coverage and because of changes in federal law, Cost Plans won’t be available for many Minnesota seniors after 2018. If someone was affected, they would need to to enroll in new Medicare coverage for 2019, according to the Minnesota Commerce Department. In Minnesota, Cost Plans are offered by Blue Cross and Blue Shield of Minnesota, HealthPartners and Medica and were offered under various brand names. Customers can call the
What if I don’t have a Cost Plan?
Then a customer doesn’t have to do anything. These specific changes wouldn’t affect them.
TIMELINE FOR MEDICARE COST PLAN TRANSITION Oct. 15- Dec. 7 (2019 Medicare Annual Enrollment Period) The time when any Medicare beneficiary can choose and enroll into a new plan for 2019.
Nov. 2, 2018 - March 4, 2019
This is for seniors who lost their Cost Plan coverage and switched to Original Medicare for 2019. This is the timeframe to buy Medicare Supplement coverage.
Dec. 8, 2018- Feb. 28, 2019
For seniors who lost their Cost Plan coverage, this is a chance to pick a different Medicare Advantage Plan or Part D prescription drug plan that they chose during the Annual Enrollment Period. number on the back of their health plan member card (which is different from your Medicare card) to see if you have a Cost Plan. Moline couldn’t emphasize more about the importance of
Jan. 1, 2019
Seniors whose Cost Plan coverage ended on Dec. 31, 2018, and didn’t enroll in a new plan will return to Original Medicare (Parts A & B only), with coverage gaps and cost burdens.
Jan. 1, 2019 - March 31, 2019 (Medicare Advantage Enrollment Period that’s new for 2019)
Any senior with a Medicare Advantage plan can switch to a different Medicare Advantage plan; drop their Medicare Advantage plan and return to Original Medicare; can sign up for a stand-alone Part D prescription drug plan if returning to Original Medicare; or drop their stand-alone Part D plan. *Source: Minnesota Commerce Department
having a second opinion with an adviser before locking in a plan that may not be right for them. “Many are anxious about the changes,” he said. “Sit down with us, and that help comes with no cost to them. Assistance
comes at no cost. I really encourage people to do some research and really making sure they’re getting the best plan available to them for their money.” More than 400,000 older Minnesotans will be affected once
What if I’m in one of the 21 counties that still has Cost Plans next year?
Then you don’t have to do anything to keep your Cost Plan. Back in September, you should have received a yearly notice from your current insurer with any changes in premiums or benefits, and renewal for 2019 is automatic. However, a customer does have the choice of changing coverage during the Medicare Annual Enrollment Period from Oct. 15 through Dec. 7, 2018.
What will my options be?
Although Cost Plans are disappearing for the majority of seniors in Minnesota, there are still two plan options available for seniors to consider: Medicare Advantage plans and Medicare supplement (Medigap) plans for 2019. Moline emphasized that it was important for those looking at options to choose a plan that best fits their health needs, lifestyle and budget.
See MEDICARE, Page 2