CARING FOR
AGING PARENTS
A special supplement to the
February 23, 2013
An information and resource guide to help ensure that those close to your heart have a rich and rewarding life in their later years.
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www.fnbgranbury.com Page 2, Saturday, February 23, 2013
Aging Parents
n w o t e m o H BANK YOUR
Hood County News
Sneaky, rotten scams can take many forms
T
here are crooks cooking up new ways to separate people from their money around every corner. Sadly, senior citizens are often prime targets. Seniors can be easy marks if they are more trusting than the more skeptical among us, or if they are experiencing a loss of mental sharpness, according to Gary Morris, an investigator with the Hood County Sheriff ’s Office. “Most of my cases are people at least 70-plus (years old),” Morris said. “Even in the 70-plus range are people that are well-educated - and they still get duped - or they’re entering into the realm of dementia. We’ve got several elderly people in Hood County that scammers have just drained their bank accounts.” He said the angles often include scams presented in emails, regular mail or by telephone. Morris said many scam artists are charismatic, and also use sophisticated methods. “Crooks do their research and they probably know the person of the house is elderly - and they may even find out they live alone,” Morris said. “There are some people out there that can sell you the pair of shoes you have on your feet. They’re that convincing. “A lot of the phone calls start off with ‘You’ve won a lottery’ or something of that nature. They’ll explain the process of what you have to do to collect the money. They may start up with a general conversation, and try to make you feel good.” Often, those scammers instruct the victim that a set amount of money must be paid up front before the big jackpot prize can be claimed. Morris said that the thing to do is ask the caller for his name and the company’s name, plus the company’s primary phone number. If the caller won’t answer your questions, hang up, Morris said. Or, simply hang up even before listening to the presentation. As Morris noted, there’s no law requiring you to have a conversation with an unsolicited caller. If an email from someone you don’t know shows up in your inbox, do not open it. It could be a phishing scam, which is designed to get you to turn over Hood County News
| SCAMS TARGETING SENIORS
HOOD COUNTY NEWS
LOOKING OUT FOR YOU: Gary Morris, a longtime investigator with the Hood County Sheriff ’s Office, said that it’s important that children and other close family members of potentially at-risk senior citizens help them by keeping a close watch on their activity in their emails and bank accounts - with a particular focus on whether they may be sending out money orders to potential scam artists. Today’s crooks no longer operate strictly through regular mail just using old-fashioned phony sweepstakes offers. Many of them use sophisticated methods and can be quite convincing for those who may tend to be a little too trusting. Photo by Mark Wilson/Hood County News
your personal bank account number, Social Security number or other private information through deception. Scammers have a couple of things that work in their favor when it comes to targeting seniors. One is that sometimes family members aren’t around enough to halt scam attempts by monitoring checking accounts and mail. The other factor is that some elderly people simply have a different outlook toward strangers because they grew up in a different era. HANDSHAKE WAS GOOD AS CONTRACT “They learned (to be trusting) from their parents. Someone who is 80, when they were growing up, a handshake was as good as a contract,” Morris said. “You just trusted people - especially in a smaller town.” One senior Hood County resident reported an incident last year in which a caller mentioned the name of a man he had actually met 10 years earlier. “The scammer did his research. Sometimes they even know the name of your pet,” Morris said. “He told this man his
friend passed away and in his will he’s giving (him) $5.5 million from a bank in London. The caller was purporting to be a higher-up (official) at this bank in London. He had details about his friend.” Morris said the caller claimed that the money would be his - but that he first had to send $1,780 to a specific bank account because the man’s account had been inactive for years.” Fortunately the local resident came to the Sheriff ’s Office and consulted with authorities, who warned him it was most likely a scam. Conventional sweepstakes scams claiming to be legitimate offers such as the Publisher’s Clearinghouse - are some of the most prevalent ways crooks use to steal from seniors. The bait plays on their dreams of taking that dream vacation or exotic ocean cruise they never could afford. “People just don’t hand out millions of dollars,” Morris said. “In this world, you don’t get anything for free. It’s just going to cost you something - some way, somehow.”
Aging Parents
1. Health care/medicare/health insurance fraud - Perpetrators may pose as a Medicare representative to get seniors to give them personal information, or provide bogus services at makeshift mobile clinics, then bill Medicare and pocket the money. 2. Counterfeit prescription drugs These scams most often are on the Internet. Victims may even end up buying unsafe substances. 3. Funeral and cemetery scams - Sometimes those grieving from a loss of a spouse may be targeted. Some scammers claim to be seeking an unpaid debt. 4. Fraudulent anti-aging products Watch out for fake Botox, some of which can cause unwanted health problems if it’s a particularly bad batch. 5. Telemarketing - Statistically, seniors make twice as many purchases over the phone than the national average. This type of scam is hard to trace. 6. Internet fraud - Beware of pop-up browser windows offering virus-scanning software, and email and phishing scams that request private personal information from the potential victim. Some falsely claim to be entities such as the IRS, inquiring about a tax refund, etc. 7. Investment schemes - Seniors who want to safeguard their cash for later years could be vulnerable to these scams, which can include pyramid schemes. 8. Homeowner/reverse mortgage scams - Reverse mortgage scams have increased greatly in recent years. Scammers are taking advantage of the fact that legitimate reverse mortgages increased in frequency by 1,300 percent between 19992008. 9. Sweepstakes and lottery scams Scammers claim the person won a lottery or sweepstakes, but must make a down payment to release the prize money. A prize money check from the scammers will take a few days before it shows up as having been rejected. 10. The grandparent scam - Scammers place a call to a senior citizen and say something like, “Hi grandma, do you know who this is?” When the grandparent guesses the name of a grandchild, the scammer will claim to be that person and then ask for money to be sent via Western Union or other method to get them out of a phony financial problem, or even so they can make bail and get out of jail. Source: National Council on Aging. Saturday, February 23, 2013, Page 3
Page 4, Saturday, February 23, 2013
Aging Parents
Hood County News
Personal contacts crucial for seniors
M
aking a decision on when a senior citizen needs to move from home into a nursing or assisted living facility is never easy for family members. When they live far apart, making that assessment can be even more difficult. Having someone to check on an older person who lives alone can be a crucial link to assistance when needed, and that’s one area in which a local company, Golden Years, can help. Sometimes the person is in a stage in which it’s not necessarily clear whether it’s safe to live alone. “We happen to have a whole lot (of clients) like that right now,” said L.V.N. Lisa Ezernack, a co-owner of Golden Years along with R.N. Karen Dougherty. “When you look at someone and their needs, you have to look at the entire 24/7 picture. That encompasses friends, family and where they live.” In one recent example Dougherty gave, a Hood County woman was visited by her son from Oklahoma. After visiting in person with his mother, he contacted Golden Years and mentioned that he saw some signs that had him concerned. His mother was repeating herself when speaking, and he noticed some
dents in her car that weren’t there before. Then she called during a trip to a grocery store and told him she wasn’t sure how to get back home. “It’s important someone is aware,” Dougherty said, adding that sometimes family members who live far away can get a dependable neighbor to check on senior citizens. Personal physicians often can provide the first warning that there is a real problem or danger. Ezernack noted two key situations that can lead to danger for seniors - a senior who begins to wander away from home on foot, and those who refuse to put away the car keys when their driving skills deteriorate. Golden Years can assist with a wide variety of issues faced by seniors, including: personal hygiene, reminding of medications, meal preparation, light housekeeping, transportation, respite for family caretakers, doctor’s appointment assists, grocery shopping and companionship. “We do little to big,” Ezernack said, adding that 24/7 assistance is also available. More information is available online through the Texas Department of Aging and Disability Services (www.dads.state.tx.us/).
HOOD COUNTY NEWS
PERSONAL CARE: Karen Dougherty, R.N., (standing) and Lisa Ezernack, L.V.N., are co-owners of Golden Years, which specializes in providing personal in-home caregivers in Hood County and surrounding areas including Weatherford, Benbrook, Burleson, Cleburne, Stephenville and Glen Rose. Services offered by Golden Years, with its staff of about a dozen caregivers, range from assistance with personal hygiene, meal preparation and light housekeeping to companionship and full 24-hour service, for all ages.
FIGHT CANCER David M. D’Spain, D.O. t Jessica Hals, D.O. TEXAS ONCOLOGY-GRANBURY 303 W. Pearl Street Granbury, TX 76048 817-579-3700 t www.TexasOncology.com
Hood County News
Aging Parents
Saturday, February 23, 2013, Page 5
County: Dual air ambulance memberships worth money
Because you have better things to do than wait around an E.R.
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Emergency medicine is about three things: compassion, skilled care > ` ëii`° 9 Õ½ w ` Ì iÃi >Ì > i À> LÕÀÞ i` V> i ÌiÀ° / i experienced E.R. physicians and the entire team are committed to working diligently to have you initially seen by a clinical professional* within 30 minutes of your arrival. If you need an E.R. fast, try our fast E.R. Once you do, you won’t want to go anywhere else. For more v À >Ì ] Û Ã Ì > i À> LÕÀÞ i` V> i ÌiÀ°V
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eniors may feel secure if they’ve EMS and air transport by Air Evac. Howpurchased air ambulance insurever, the Air Evac transport must origiance in the event that they need nate in Hood County. Berry noted that to be airlifted to a hospital. But they Air Evac has a helicopter stationed here. could be in for a shock - and a big bill For an additional $35 per year, houseif they only have one membership. holds can have an Air Evac membership Air Evac Lifeteam and CareFlite both that provides coverage in any of the 26 serve the Hood County area. But the states where Air Evac operates. In other companies do not honor each other’s words, the transport would not have to memberships. originate out of Hood County in order That means that if a for members of the medical helicopter is household to have being utilized elsecoverage. Both where when a member CareFlite membercompanies needs it, the other comships are $49 per year pany’s copter will be and cover the entire have worked dispatched to handle service area around with homeowners the emergency. D/FW, Berry said. groups on group And that means a bill Residents who are with a lot of zeroes, loGranbury water cuscoverage at a cal officials warn. tomers or customers lower rate. “An air ambulance of the Acton Muride is $10,000 to nicipal Utility District $15,000 - minimum,” (AMUD) are covered said Precinct 4 Commissioner Steve by the company of their choice - or by Berry. “Some insurances only pay $100 both companies - through monthly toward the (air) ambulance ride. For the charges that are either $1 or $2. Customprotection, I still think (a dual memberers are able to opt out if they wish. ship) is very important.” Both companies have worked with Households can be covered by both homeowners groups on group coverAir Evac and CareFlite for around $100 age at a lower rate than the standard per year. But even cheaper memberships membership fees. Memberships for are available. both companies provide coverage for According to Berry and Texas EMS, all in the household. The way it works, here is how the Texas EMS/Air Evac Berry said, is that the companies accept memberships work: whatever coverage is provided by the As Hood County’s official 911 provider, patient’s insurance company. If the insurarea residents can purchase household ance company provides no coverage for memberships for $36 per year that will air transport, the patient is not billed. cover both ground transport by Texas
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Aging Parents
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Hood County News
Once bedridden, now walking
I
t starts with something as little as a cold infection, then inevitably proliferates to an elderly patient becoming dehydrated. “A dehydrated elderly person is too weak to move, and slowly loses muscle mass while in bed or sitting in a chair all day,” according to Justus Peters, M.D., who works in Pecan Plantation. Days of planned activities no longer are imaginable, and depression sinks in. This elderly patient is one of hundreds doctors see every year, Peters explained. “One particular patient I have had the fortune of becoming very close with is a prime example of a success story in physical therapy,” said Peters. She seemed too young to be crippled. Weighing a measly 80 pounds, Peters said the frail, elderly, grandmother-type was so sweet and had a wonderful smile. “Her knees were contracted back, and her elbows were contracted and bent after not moving her arms and legs from being bedridden after a stroke. “Even replacement joint surgery did not alleviate her painful joints. Unable to feed herself due to her upper extremity
contraction,” Peters said, “she lost weight, protein, and subsequently her muscle mass plummeted to frail skin on bones.” This lovely lady was sent to physical therapy and inpatient rehabilitation. She went through three-a-day workouts on strengthening, range of motion and flexibility exercises. She had occupational therapy to help her feed herself with special utensils and train her to be able to continue activities of daily living, Peters stated. “That very same sweet grandmother of a lady is now walking, feeding herself, bathing herself and has a much better quality of life,” Peters said. “This is a story with many patients of mine, and of other physicians who believe in physical therapy.” Peters encourages family members to speak with a physician when they notice a loved one is declining. The doctor can address “transitioning” programs such as rehab, home health care or inpatient rehab centers. For questions, Peters can be reached at runsinthewynd@gmail.com.
GRANBURY VILLA Rehab & Nursing
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Thank you, Hood County! We truly appreciate you voting us Best Optometrist!
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Hood County News
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2011 Saturday, February 23, 2013, Page 7
TEAR THIS PAGE OUT & SUBMIT APPLICATION 1
Member Services Office 3110 S. Great SW Parkway Grand Prairie, Texas 75052 (877) 339-2273 (M-F 8a-5p)
Check here for 5 Years for the price of 1 year (normally $49/yr.)
Caring - Heart Membership Hood County Residents Application Plan Year 01/01/13 - 12/31/13
(A Texas 501c3 non-profit entity)
2
__5 Years $49
Fill out & mail this application with your payment to: CareFlite, 3110 S. Great SW Parkway, Grand Prairie, TX 75052
Note: If you are already a member of CareFlite, please give this application to a friend or extend your membership for $10 per Year per Household.
Applications will be effective on the date of the postmark or fax to (972) 602-7182. All memberships in this group will renew each year on January 1st.
First Name: _____________________________________ Middle Initial: _______ Last Name: _______________________________________ Home or PO Box Address: ___________________________________________City: _____________________ Zip Code: ____________ County: Hood Home Phone#: __________________________________________ Email: ___________________ @ __________________ . ______ Date of Birth:
S Male
S Female
Employer Name: _________________________________________________________
Primary Insurance:
S No
S Yes (If yes, insurance name__________________________)
Supplement Insurance:
S No
S Yes (If yes, insurance name__________________________)
LIST Other Family Members of Your Household: (For additional household family members, please copy this page and attach to this application.)
First Name: ____________________________ Middle Initial: ______ Last Name: ____________________________________ Date of Birth: ____________________________________ Primary Insurance:
S No
S Male
S Female
S Yes (If yes, insurance name__________________________)
First Name: ____________________________ Middle Initial: ______ Last Name: ____________________________________ Date of Birth: ____________________________________ Primary Insurance:
S No
S Male
S Female
S Yes (If yes, insurance name__________________________)
First Name: ____________________________ Middle Initial: ______ Last Name: ____________________________________ Date of Birth: ____________________________________ Primary Insurance:
3
S No
S Male
S Female
Membership Benefit Includes San Antonio AirLife and Corpus Christi HaloFlight if you are flown by those programs in their service areas.
S Yes (If yes, insurance name__________________________)
DO NOT SEND CASH - Please make $49 Check Payable to CareFlite or or apply by credit card below. If applying by credit card, you may fax your application to (972) 602-7182 anytime 24/7. Card Type: _____________ Card Number: ____________________________________________________________ Expiration Date: ________________ Billing Zip Code: __________ Date: _________________________________ Name on Card:____________________________________________________________________________________
}
Fill out only if using Credit Card
4
Signature for Processing, Acceptance of Terms & Credit Card (If Used): _________________________________________________________________
All Applicants Sign Here
By paying the CareFlite Memebership fee I agree (on behalf of my family) to abide by the terms and wish to hereby apply for Air Membership in the CareFlite Caring-Heart Membership Program for my self and members of my household listed on the Application, as set forth in this Agreement. I have reviewed the Caring-Heart Air Membership Agreement and agree to abide by the terms thereof. I request payment of authorized Medicare or other insurance benefits to me, or on my behalf, to be paid to CareFlite for any emergency services and supplies furnished to me by CareFlite. I authorize any holder of any of my medical information to release that information to the CMS, its agents and carriers, or CareFlite, in order to determine benefits payable on my behalf, now and in the future. This agreement and authorization is executed on my behalf and on the behalf of the other members of my household, if they are minors or otherwise unable to sign. I understand that under the State ruel 157.11k, if I or a household member is a Medicaid recipient, then I am not allowed to have them on my Application, therefor I am stating that I have not listed on my application anyone that is a Medicaid recipient. If a family member becomes a recipient of Medicaid, I will notify CareFlite in writing of this change immediately. I warrant that all the information in the Application is true and correct. CareFlite reserves the right to request documentation demonstrating the accuracy of such information. I acknowledge that membership in CareFlite Caring-Heart Membership Program is simply a membership in a program sponsored by CareFlite, and thus, is not membership in CareFlite’s non-profit corporate entity as the term membership is contemplated under the Texas Non-Profit Corporation Act.
For CareFlite Office Use Only / Hood County News AGING PARENTS 2/13
Welcome Card Sent On:
Date Received: ____________________________ Form of Payment: _________________ Amount Paid:___________________ Membership # Assigned: __________________________ Date Sent to Fulfillment: ___________________Emp. Initial: _____________
___/___/___
B89186
Page 8, Saturday, February 23, 2013
Aging Parents
Hood County News
PROTECT YOUR FAMILY & FINANCES 5 YEARS FOR THE PRICE OF ONE Detach & Fill Out this Application or
Just $49 for 5 Years...
Photo courtesy of Sheldon Cohen
Includes Granbury Based Helicopter Service Plus CareFlite Air and Ground / 911 Service across North Texas Membership Benefit Honored by AirLife & HaloFlight In all emergencies, Call 911 ♥ Compare CareFlite’s Rates and Service ♥ For transports from hospitals, nursing homes and assisted living ♥ Membership covers entire household if all are listed Membership effective on date faxed or envelope postmark date ♥ Membership benefit honored by San Antonio AirLife and Corpus Christi HaloFlight ♥ Complete program rules ar www.careflite.org
Hood County News
It’s Your Life. It’s Your Right.
Ask for CareFlite by Name. CareFlite is a 501(c)3 Not For Profit Air and Ground Ambulance Service Sponsored by:
Membership (877) 339-2273 Aging Parents
www.careflite.org Saturday, February 23, 2013, Page 9
Rock Around The Clock Senior Center offers health-boosting dance events during day, evening
S
eniors who want to stay in shape, have fun in their golden years and even ward off dementia may find that dancing is a two-step in the right direction. According to the American Association of Retired Persons (AARP), dancing has a way of toning the entire body and reducing stress and tension. Dancing that requires the memorization of dance steps and sequences improves memory skills, MARY VINSON | HOOD COUNTY NEWS ON THEIR TOES: Ray Yoos and Mary Knight are proof of the health benefits of even while undergoing cancer treatments. Yoos is 94; Knight is 81. according to the AARP, with the added dancing. Both have attended weekly dances at the Hood County Senior Center, benefit of bringing companionship and increased self confidence. “It keeps us on the ball,” said Ray Yoos, a years. I’m making up for lost time.” rotation of four country western bands melanoma and just a few weeks ago, 94-year-old cancer survivor who is a regThe Senior Center is helping others in perform at the weekly events. Yoos finished 20 radiation treatments for ular at dances held their post-retireAccording to Senior Center Executive bladder cancer. at the Hood County ment years make Director Mindy Hodges, anywhere from Through the health worries, they have Senior Center (501 E. up for lost time as 75 to 100 men and women attend the managed to spend carefree hours tripMoore St., 817-573well. A line dance dances each week, paying a $5 cover ping the light fantastic. 5533). “It’s good exergroup for women charge. Any money that is left over after It was at a Senior Center dance that the cise - and it’s fun.” meets every Monpaying the band is donated to the cencouple first met. Their friends partnered It was at a Senior day and Wednesday ter, Hodges said. up and took to the dance floor, leaving Center dance in 2004 at 9 a.m. The group Experts with the AARP say that dancthe two strangers to keep each other Every Thursday that Yoos met Mary has performed at ing promotes creativity, stimulates brain company. Knight, an 81-yearlocal events and chemicals that produce a feeling of well“It was just me and Ray left sitting 7 p.m. old widow. He has nursing homes. being and has even been known to trigthere and I said, ‘Well, do you dance?’” needed no other Several - including ger forgotten memories in Alzheimer’s recalled Knight. “And I guess we danced dance partner since. Knight - are cancer patients. and we just kept dancing. We’ve been “I danced as a survivors. Yoos and Knight are indicators of the together ever since.” young girl, but my husband didn’t Dances are held at the center every health benefits that come from cutting dance,” said Knight. “I didn’t dance for 53 Thursday evening from 7 to 9:30 p.m. A a rug. Knight has had several bouts of
8 Senior Dance
Page 10, Saturday, February 23, 2013
Aging Parents
Hood County News
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Aging Parents
Saturday, February 23, 2013, Page 11
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MARY VINSON | HOOD COUNTY NEWS
Water noodling at the Y
Water noodle is one of over half a dozen fun-filled water aerobics classes on the schedule at the Hood County YMCA. Instructor Katie Brian leads her water noodle class with a combination of moderate and low-impact moves designed to burn calories and condition the entire body.
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Absolutely. Unless you want the court deciding how to divide your estate.
Aging Parents
Hood County News
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Senior Circle marks 14th anniversary this spring at Lake Granbury Medical Center
M
ark your calendar for the Senior Prom. The May 7 event is not for high school seniors, but for adults 50 years old and better. Senior Circle will be celebrating its 14th anniversary at the Senior Prom this year. The adults-only prom will be from 5-8 p.m. Tuesday, May 7 at the Granbury Resort and Conference Center, 621 E. Pearl St. Some 300 guests enjoyed last year’s Senior Prom featuring a nostalgic theme. Those attending were greeted at the door with corsages, a Senior Prom Yearbook, and the opportunity to have their photos taken by a professional photographer. “The anniversary celebration was such a huge success that the event outgrew its venue at a Granbury school cafeteria,” said Lake Granbury Medical Center spokeswoman Dixie Lee Hedgecock. “And two hours of dancing was not enough! “This year’s event has been relocated to the conference center and, by popular demand, there will be another hour of dancing to enjoy.”
SENIOR CIRCLE BENEFITS Membership and involvement within Senior Circle allows older adults to remain active
and engaged in the community, according to Jeanette Hill, Senior Circle advisor. The information and knowledge gained through LGMC’s innovative community resource program can be a crucial aspect of maintaining a healthy lifestyle. “It is also an exceptional way for newcomers to get acclimated to the area, make friends quickly, and to stay up-to-date with the medical care and physicians in their new hometown,” Hill noted. There are many Senior Circle benefits provided through enrollment in LGMC’s innovative community resource program. National benefits of Senior Circle membership include: ■ ADT Home Companion – discounted installation and monthly service fee. ■ Prescription discount card (Scriptsave). ■ Vision discount Card (EyeMed). ■ Hearing discount card (Beltone). ■ Car rental discounts (Alamo, Enterprise and National Car Rental). ■ Inside Circle: National Senior Circle magazine subscription. In addition, there are many
MARY VINSON | HOOD COUNTY NEWS
SPECIAL OCCASION: Jerry and Pat Gressert were dressed in style for the Senior Prom last year. Sponsored by the Senior Circle, the dance is moving to a larger location this year. By popular
other benefits available here at home. LGMC is dedicated to providing each member with support for living healthy lives through education and social activities. Local benefits include: ■ Day and extended trips. ■ Free exercise classes. ■ Free health and wellness
demand, this year’s adults-only dance will also be an hour longer. The 2013 Senior Prom will be from 5-8 p.m. Tuesday, May 7 at the Granbury Resort and Conference Center, 621 E. Pearl St.
seminars. ■ Free health screenings. ■ Free copies, faxing and notary service. ■ Free meal voucher (daily) for caregivers of hospitalized members. ■ Discounted rates and waived fees at Lake Granbury Fitness Center.
■ Socials, crafts and games … and more. Senior Circle annual membership for an individual is just $15 and $27 for a couple. For more information on Senior Circle contact Jeanette Hill, Senior Circle Advisor, at 817579-2979 or visit GranburySeniorCircle.com.
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Page 14, Saturday, February 23, 2013
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Aging Parents
Saturday, February 23, 2013, Page 15
It pays to start early with insurance
T
HOOD COUNTY NEWS
LIFE INSURANCE PREPARATION: Local insurance agent Brent Northcutt (left) goes over the details of life insurance policies with customer David Casey. For elderly citizens such as Casey, getting insurance, long-term care and other important documents in order is necessary to make the transition into their golden years smoother. Northcutt suggests an annual review of insurance documents to see if any changes are in order and to make certain nothing expires.
don’t have that,’” said Northcutt. wo words are perhaps the most “It’s like wanting homeowners insurimportant when it comes to preparing for insurance in one’s ance while you’re smelling smoke.” Take term insurelderly years. Start early. ance, for example. It is Things are always popular, but North“It’s simply less exchanging in cutt said folks should pensive, and you run much less risk of beit only pays people’s lives, and it’s know when a person passes ing uninsurable,” said Farmer’s agent Brent important to make away, and it is only for a certain Northcutt. “The older sure insurance stays good a person gets, the amount of years. He strongly urges chilhigher the risk.” in order. dren to encourage Northcutt sug--Brent Northcutt parents currently on gests that children of aging citizens sit down with their par- term insurance to convert to permanent life insurance. ents to make certain such insurance as “Let’s say at 45 I was in perfect health, long-term care and permanent life insurbut at 65 I have high cholesterol, high ance is in order. blood pressure and diabetes,” he said. “Always, when I’m talking to someone in their 40s, it comes up, ‘Hey, my parents
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FROM PAGE 16
“With permanent insurance, you’ll still be okay.� Another advantage to having permanent insurance instead of term, Northcutt said, is the ability to use the death benefits to pay estate taxes. Plus, the cash value a permanent policy accrues can actually make it as cheap, or in some cases cheaper than term, he said. And again, the earlier the start, the cheaper the cost. “Some companies offer conversion without proof of insurability,� he said. “But you don’t get it for the same premium, so it is still good to do it earlier.� Northcutt said today’s young person is more aware of insurance than their parents were because it is much more publicized. “They see the ads, hear them on the radio and TV,� he said. “Growing up I didn’t hear any of those things.� David Casey is a prime example of someone who would have been hit with a larger payment had he waited to take out long-term care insurance. Now 76, he took out policies on he and his wife a little more than a decade ago.
(Congestive Heart Failure) Specialty Program
Shortly after, he had heart surgery. “One of the conditions of long-term care is your age and your health,� Casey said. “And nothing is certain in this life, that’s for certain.� Recent studies show the average cost of living in a nursing home is around $4,200 per month with an average stay between 18-24 months. “If you ask most 55-60-year-old people if they know what it costs monthly to live in a nursing home, they don’t,� Northcutt said. “And a lot of times by the time they figure it out, it’s too late to do much about it financially. That’s where kids sitting down with their parents is important. “Show them the numbers. Make sure they are as they should be, and if they’re not, get busy getting them there.� Northcutt recommends an annual review of all policies, no matter how long they’ve been in place. “It’s so easy to let something lapse,� he said. “Things are always changing in people’s lives, and it’s important to make sure insurance stays in order.�
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Caring for yourself and your loved one
W
hile traveling by airplane, the flight attendant tells you to put on your oxygen mask first before helping others. It makes sense. You cannot help someone if you are in peril yourself. For caregivers helping someone managing a disease causing dementia, such as Alzheimer’s, this peril comes on slowly. Jill Woolly Renshaw, regional marketing director for Arbor House Assisted Living & Memory Care Communities, offers the following information. ENEMY FOR CAREGIVERS The first thing you must know is that stress is the number one enemy to caregivers. Stress causes a myriad of health complications. Too many times, we pull up our boot straps and get the job done without taking into consideration the toll it is taking on our health. So, be aware of your stress levels, schedule time to relax and get the help you need at each leg of the journey. Exercise, eat well and keep your connections with friends, church and volunteer work. Find something that makes you happy and be sure you do it. Don’t miss your doctor appointments; your health is very important. Take a break and accept change. CHANGE AND EXPECTATIONS So let’s talk about some of those changes. It is so hard as a family member to change your expectations of your husband, wife, father, mother. You have an expected role and action/reaction of
Page 18, Saturday, February 23, 2013
them in certain situations. 2) A “behavior” is not something to be Their perception of the situation stopped, but rather understood. changes, and their ability to process When we invest our skills into undertheir response changes, and that equals standing the cause of a behavior, we a different outcome. This can be the can then change the environment or source of much anger and frustration by approach or provide the purpose that is both parties. This is especially true when missing, in order to meet the need. It is the behavior is different from time to this way that the “behavior” will subside. time or day to day. Keep in mind, that It can feel as if the 'Understand that some “behavior” has person with demenpurpose for the pertia is doing things to son, and the caregiver the person’s purposely frustrate must evaluate its risk reaction is the caregiver. In most verses its reward to cases this is not the normal, we just determine if intervenreality. tion is even needed. 3) Change your don’t fully MAKE THE MOST OF IT communication and understand what do not correct. Here are tips to making the most of As the journey prothey are this journey: gresses, processing of 1) Understand that understanding or information takes lonthe person’s reacger. According to Lentrying to do.’ tion is normal; we just ny Butler, it can take don’t fully understand up to 90 seconds to what they are underprocess a single piece standing or what they are trying to do. of information. So shorten your commuIf we were in their shoes, we would nication (words) and lengthen the time very likely respond the same way they allowed for the person to process and are. respond – 90 seconds is a long time! Aging Parents
4) Avoid isolation, for you and the person you care for. In the early part of the journey, maintain your social routine. As the journey progresses use day stay offerings to allow yourself a break and allow your loved one time to be in a supportive environment with friends “like” them. Your loved one may be resistive to this at first because change is scary, but once the routine is developed they will likely do very well. 5) Keep a routine. The part of the memory that is working the best is called implicit memory, and it is in this area that our routine or habits function “automatically.” Keeping things automatic can play a significant role in reducing stress. 6) Create a low-stress environment. We are all alike in this sense: When our stress is low we cognitively function at a higher level. This is even more true for people with dementia. Pick your battles and don’t correct if you don’t have to. Arguing is stressful! Remove items that the person should not interact with so that you don’t have to correct that interaction. Say “yes” a lot.
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When possible, skip the all-you-can-eat food fest and opt for individual menu items instead. When you can’t resist a buffet, eat an entire plate of salad before hitting the main dishes. Just be sure to go light on cheese and dressing and heavy on vegetables like broccoli and cauliflower. After the salad, stick with grilled, lean meats and whole grains. Keep the amount of fat you get from red meat and dairy products to a minimum. ■ When you’re cooking for yourself, you know exactly what’s in your food. Don’t give up that knowledge just because someone else is doing the cooking. Ask how your meals are prepared to avoid certain no-no’s like trans fatty acids, which are found in margarine. ■ Remember to exercise each day, whether it’s exploring a new location on foot, or taking a swim in the hotel pool. Beyond burning calories, endurance exercises are particularly effective at increasing the body’s natural levels of antioxidants, eliminating inflammatory molecules that drive cancer. ■ Relax and enjoy your trip. Reducing stress can lead to a longer, happier life. More wellness tips can be found at www.PCF.org. Just as you would never forget your itinerary at home, don’t leave town without your good habits. (StatePoint)
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oday’s seniors are leading active lives, filling their time with travel and new experiences. While staying active is great for one’s general well-being and happiness, continuous travel provides many challenges to maintaining a healthy lifestyle. Good nutrition and regular exercise can keep you feeling great and reduce your risk for diseases such as prostate cancer, diabetes and hypertension. And, as we age, our risk for developing these diseases increases, so it’s especially vital for aging men and women to protect their overall health. Next time you take a trip, don’t let your health go on vacation too. Here are some wellness tips that will travel as well as your wrinkle-free shirts: ■ Maybe it’s all that waiting, but something about airports makes people hungrier. Packing food may be your best bet for a wholesome meal. If you do buy airport food, you may want to couple it with a little exercise. Explore the terminal’s options before settling on the first fast-food joint you see. Salads, low-fat sandwiches and smoothies abound, these days. And instead of snacking on high-sodium pretzels or crackers on your flight, opt for an immunity-boosting piece of fruit instead. ■ On road trips, pack a cooler filled with fresh vegetables, homemade sandwiches and water. If you do stop along the way, try and wait until you can find a rest stop with plenty of healthy food choices. ■ Incorporate cancer-fighting foods into your daily meals. Evidence from several studies suggests that fish can help protect against prostate cancer because they have “good fat,” particularly omega-3 fatty acids. Likewise, a lack of vegetables in the diet is linked to a higher risk of aggressive prostate cancer, according to experts at the Prostate Cancer Foundation. ■ A buffet can derail a diet quickly.
Aging Parents
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Wills, powers of attorney for more than wealthy
I
n the words of Paul Hyde, not having a will is not smart. “It also leads to problems within the family,� said Hyde, an attorney who specializes in wills and powers of attorney. “Even families that have had good relationships have problems when questions come up, and a lot of it comes down to what would mom and dad have wanted?� So Hyde recommends children sit down with their aging parents and discuss wills and powers of attorney. Sure, they can be touchy subjects, but the discussions are often necessary.
“It’s not always greed that creates a problem,� he said. “What I see most are good-intentioned people trying to carry out their parents’ wishes, but if there’s nothing in writing, it leads to a lot of arguing and problems. “It’s an important conversation to have with your parents, but some parents may want to be private about it. Sometimes who’s going to be the executor can cause hurt feelings.� Still, Hyde suggests that parents and children consider having such a conversation. For examPLEASE SEE WILLS | 21
HOOD COUNTY NEWS
WHERE THERE’S A WILL: Attorneys Paul Hyde and Tracy Bush specialize in preparing wills and powers of attorney. Hyde said wills, contrary to some beliefs, are not just for wealthy people, but rather more to make certain that items left behind by a family member are distributed as they would want
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instead of letting the state handle the affair. He also suggests careful assignments of powers of attorney to make certain the right people are in charge of durable (financial) and medical POTs. They recommend reviewing wills and POTs every five years.
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WILLS: Attorney recommends reviewing wills every five years FROM PAGE 20
ple, sometimes a parent doesn’t know what’s most important to a child unless they are told - and most times that is something that has no real monetary value. “It may have no real value, but a ton of sentimental value,� said Hyde. “Say, for example, there’s some ticket stubs from a ballgame you went to with your dad, or a special photo. Why was that pocket knife special to you and your dad? “I tell people to go home and find things that are specific to people in your family when I work on a will.� Also, it is extremely important for children to know where their parents’ will is. “You don’t have to give them a copy, but make sure they know where it is,� he said. Hyde said one of the misnomers concerning wills is that they are only for persons with a lot of money. “That is simply not true,� he said. “Do you want your loved ones to deal with the laws of intestacy (the state decides who gets what) or do you want it to go as your family would want?� Hyde recommends reviewing wills every five years. “I have people call and tell me their parents’ will is 20 years old and asking if they need a new one,� he said. “I don’t know. We don’t automatically make a new one. It may be that nothing’s changed and it’s just fine.� Powers of attorney are also something children should address with their aging parents, Hyde said. “Let’s say mom loses the capacity to think for herself. If you don’t have power of attorney, you can’t sign for Medicaid, etc. “You have to go through an expensive court process for guardianship. But even then, you have to go through the court for permission for everything.� There are two important powers of attorney, durable (financial) and medical. Often, Hyde said, these are not assigned to the same person for a variety of reasons. “Sometimes they are just better suited to different people. For example, if one person is a nurse, you would probably want them to have the medical power of attorney,� Hyde said. “But understand these are completely Hood County News
different documents. If you walk into a hospital with a durable power of attorney, you might as well have a pizza coupon.� It’s also good, Hyde said, to have an alternate power of attorney assigned. This is usually where the children are involved. “Normally, a spouse has power of attorney, but what if something happens to both at once, or if a spouse dies?� he said. Hyde also stressed the importance of including long-term care in aging preparation. So often, he said, families believe they have to do such things as sell their parents’ home to come up with money for nursing home stays, which average $4,200 per month. QUALIFIED INCOME TRUST And if a person’s income is more than $2,130 per month, Medicaid will not help with the nursing home stay, he said. This is where it becomes important for children to help their parents look into a way to divert some of the income into something called a qualified income trust. “That income doesn’t count toward Medicaid purposes, but it still has to go their health care,� said Hyde. For example, if a person ready to enter a nursing home has an income of $2,200 per month from social security, etc., if $1,000 is diverted, it places them into the Medicaid qualifying category, and Medicaid will help pay for the nursing home stay. “You don’t have to sell the house,� said Hyde. In fact, Hyde said, homesteads can be exempt for up to $500,000 when it comes to assessing financial worth for Medicaid. He then recalled stopping someone at the last minute from using the money from a sold home to pay the nursing home. Instead, they used the money to buy a new home to relocate a family member. “Now the sister can be close,� he said. “You have to have a talk with your parents and explain the importance and that everyone needs these things,� Hyde said. “Who can make the hard decisions? If a plug has to be pulled, who can be trusted to do it?� Aging Parents
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Personal home care fills gap S
eniors who are beginning to need a bit of assistance with things like meal preparation, bathing and housework no longer have to surrender their independence and move into a nursing home. There is now middle ground that helps them bridge the gap between living independently and living with round-theclock care. Personal home care companies are providing specialized assistance to those who are still able to do quite a bit for themselves. They offer just what a client needs - whether it be help 24 hours a day, seven days a week or just someone to play a game of cards with. According to Senior Living (www. seniorliving.org), the companionship provided by personal home care staffers “can be crucial for seniors who live alone and may be isolated from others.” Personal home care companies are
licensed by the state. Employees can do non-medical tasks, but cannot provide medical treatment such as that provided through home health care agencies. The two entities often, however, work hand-in-hand, according to Linda Britt. She owns Community Personal Care and New Life Homes in Hood County. Community Personal Care offers companiontype services. New Life Homes offers 24hour care, with one caregiver for every three clients. MEAL PREPARATION Personal home care workers provide such services as: medication reminders, light housekeeping, meal preparation, transportation, help with exercise, keeping family members informed of their loved one’s condition and participating with the client in hobbies and games. Personal home care companies can provide much-needed relief, Britt said,
to family members who are serving as their loved one’s primary caretaker. “The husband or the wife that’s trying to take care of their loved one and not send them to a nursing home really, really need a break,” she said. “We give them a chance to relax and rest.” Staffers at agencies offering companion assistance contact qualified medical professionals whenever a health issue arises with a client. “It’s coordinated care,” explained Britt. Certified home health care agencies and hospice agencies are strictly regulated by the federal government, according to Senior Living. Britt said there is “definitely confusion” among members of the public about the differences between home health care and personal home care. Most of the time, what people need is the type of maintenance care provided by personal home care, she said.
Britt recommends that younger people think ahead by looking into their long-term health insurance. “It is really, really needed if you haven’t saved up the money to be well-cared for at home,” she said. Britt also cautioned against making assumptions of senior health care. “Most people think that the government will take care of them. It will not,” she said. “If they qualify for Medicaid, they can get maintenance care. If not, they can’t.” Britt said that companies offering personal care services can provide those services even to those living in nursing homes. “If the staff is overworked and the family would like for their loved ones to have special, hands-on care - we can do that,” she said.
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Aging Parents
Hood County News
Make home safety a priority P
revention is the new focus of health care. “Our goal is preventing accidents before they occur,” according to Beth Bland, of Home Safety Consultant Services of Granbury. Safety consultants can evaluate your home, or the home of a loved one, to determine if there are any safety concerns. Possible solutions will be offered to any safety hazards. Consider these statistics that Bland presents from the Centers for Disease and Control and Prevention (CDC): ■ One in three adults age 65 and older falls each year. ■ Falls are the leading cause of injury death. ■ Falls are also the most common cause of nonfatal injuries and hospital admissions for trauma. ■ On average, the hospitalization cost for a fall injury is $17,500, and Medicare covers about 78 percent of this cost.
for everyone. A safety consultant will observe all interior and exterior areas of the home such as: ■ Driveway. ■ Walkway. ■ Entry landing. ■ Garage. ■ Hallways. ■ Bathrooms. ■ Bedrooms. ■ Kitchen. ■ Patio. The consultant will complete an evaluation and provide a copy for your reference. Any areas of concern will be noted, along with possible solutions. “Our goal is to assist our clients with maintaining their independence and safety in their own home.
eficial for a wide-range of individuals, including the following: ■ Loved ones who are faced with the new responsibility for aging parents or adults. ■ Individuals recently experiencing difficulty maneuvering in the home. ■ Individuals recently having surgery or other procedures requiring additional assistance in the home. ■ Individuals with disabilities or requiring devices for mobility. ■ Individuals who have experienced an injury due to a recent accident in their home. Call Bland at 903-815-5293 for more information.
Falls are leading cause of injury death.
COURTESY
PREVENTION: A safety consultant can observe the home to evaluate safety measures.
■ Health care legislation has proposed drastic cuts in Medicare and Medicaid that will increase the out-of-pocket expense. SAFE AT HOME Keeping a loved one at home is physically, mentally and financially the best
BENEFICIAL EVALUATION A safety evaluation is said to be ben-
For advanced orthopedic care, this is the team to choose. 817- 5 7 3 - D O C S The orthopedic surgeons at Lakeside Physicians are focused on bringing you innovative care that can help you quickly get back to life. Cody Hartshorn, M.D. and Corey Mark, M.D. specialize in both surgical and nonoperative treatments for musculoskeletal disorders. They offer orthopedic procedures including knee and hip replacement, treatment for orthopedic trauma, and care for sports injuries for every level of athlete. To learn more, visit LakesidePhysicians.com.
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Hood County News
Aging Parents
Saturday, February 23, 2013, Page 23
Senior-friendly updates can lower your bills
M
ore seniors than ever before are choosing to stay in their homes as they age. According to a study by the AARP, only five percent of Americans ages 65 and older live in group quarters like nursing homes. From narrow hallways to steep stairs, design elements in typical houses can make remaining at home difficult in our golden years. However, basic upgrades, like handrails and ramps, can go a long way toward making homes safer for seniors. And there are other small senior-friendly changes that can even make homes more environmentally friendly, which can help lower utility bills. “The aging process can be gradual for some, however others can move quickly from independent living to a cane to a walker,” says Joyce Polhamus, Chair of the American Institute of Architects (AIA) Design for Aging Knowledge Community. “You don’t need to completely remodel your home; there are small things you can do now to make it more accessible as the aging process evolves, while also making it better for the environment.”
AUTOMATE TO CONSERVE One of the best ways to help ensure senior safety is to have a well-lit home. But it sometimes can be difficult to reach outlets and to remember to turn lights on and off as you move about your house. Installing sensors,
Page 24, Saturday, February 23, 2013
so lights go on and off automatically when you enter and leave rooms, will cut back on electricity costs and ensure better visibility. As we age, tasks that formerly seemed simple, like watering plants, can be difficult and energy-consuming. Polhamus recommends setting automatic timers on sprinkler systems to eliminate the need to do this task yourself, while also helping to conserve water. UPDATE APPLIANCES Emptying the dishwasher or putting a load of laundry in the washing machine, can put a strain on the body. Consider installing newer appliances designed to be more senior friendly. With newer dishwasher and refrigerator models, you can open doors and drawers between hip and shoulder height, which won’t require reaching up or bending down. Additionally, replacing older appliances with newer, more energy-efficient appliances can help you reduce your carbon footprint. Or you can place existing appliances, like front-loading washing machines, on platforms. An architect can help you redesign any room around appliances to make it safer and more senior-friendly. SEASONAL DESIGN The majority of heat gain and loss comes from win-
COURTESY
COMFORT: A few updates can make the home designed for seniors.
dows. Electronic curtains can alleviate the burden of repeatedly opening and closing traditional curtains and are more airtight to better keep cold air outside. If electronic curtains aren’t an option, Polhamus recommends ensuring windows are properly sealed and considering shrubs or bushes outside to act as a buffer against wind and cold air. To find an architect who can help make your home greener and more comfortable for seniors, visit http:// architectfinder.aia.org/ With a few updates, you can live in peace knowing your home is designed for aging. (StatePoint)
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COURTESY
ABLE DRIVERS: Aging drivers can pose traffic problems.
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Some drivers license laws different for seniors
Hood County News
ual’s second birthday after the previous expiration date - according to the Texas Department of Public Safety website. Mail, phone and electronic license renewals are still options for Texans under age 79. Any physician licensed in Texas can inform the DPS about a potentially dangerous driver, and that is an exception to the patient-physician privilege, the website states. “The driver is notified in writing of the referral and required to provide medical information from his/her personal physician,” said the DPS site, adding that it will also accept information from courts, other DMVs, police, family members and other sources. The source of the information is not considered anonymous or confidential, according to the DPS. “However, an attempt is made to protect the identity of the reporter,” the DPS website states. “If the client requests an administrative hearing, the identity of the reporter may be revealed at that time.” Laws governing rules for drivers 79 years of age and older are contained in the Texas Transportation Code, sections 521.274 and 521.2711.
The moment you feel chest pain or shortness of breath that could be a heart attack, go to Lake Granbury Medical Center. We are accredited by the Society of Chest Pain Centers, the national chest pain center accreditation agency. That’s important because accredited chest pain centers have demonstrated expertise in the timely diagnosis and treatment of cardiac emergencies.* So in an emergency, call 911 and know where to go. Choose a nationally accredited Chest Pain Center. Choose Lake Granbury. For more information, visit GranburyHeartCare.com.
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W
hile more and more attention is directed toward those who potentially become dangerous drivers while texting, another at-risk group has been a concern for as long as automobiles have needed bumpers. Aging drivers can pose traffic problems of their own, statistics show. A USA Today article found online states that a study by Cernegie Mellon University (statistics compiled from 1999-2004) showed that for drivers ages 75 to 84, the rate of about three deaths per 100 million miles driven is equal to the death rate of teenage drivers. For those 85 and older, however, the fatality rate jumps dramatically - to nearly four times that of teenagers. A new Texas law that went into effect on Sept. 1 (HB 84, known as “Katie’s Law”) changed the requirements for some older drivers. Texas drivers ages 79 and older now must always renew their drivers license at the Department of Public Safety office every six years, and may not do so electronically or by mail. A vision test will be given during all in-person renewals for those 79 and older. Drivers age 85 and older must renew their license in person - on the individ-
The E.R. at Lake Granbury Medical Center
Aging Parents
*According to the Society of Chest Pain Centers, www.scpcp.org.
Saturday, February 23, 2013, Page 25
To-Do List ■ Talk to your parents about their fears, needs, priorities and wishes as they get older. ■ Have the name and phone number of your parents’ doctor, lawyer, pharmacist, hair dresser, grocery store and seniors’ transportation service in case you should need to call them. ■ If you live far away, make sure that you have the name of a neighbor, friend or volunteer who can check in on your parents if there’s trouble.
■ Make sure their home is safe. Install smoke detectors that work, install anti-scald devices, fall-proof the house and make sure there is adequate lighting. ■ Post important phone numbers, including emergency numbers, where they can easily see them. ■ Purchase a medical alert system so that your parents can push a button for help from anywhere in the house. ■ Visit seniors’ housing facilities so you know
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what’s out there, and if necessary, put your parents on waiting lists. ■ Call them every day or two just to say hello and to see if everything’s all right. If you can’t do this, have family, friends or volunteers alternate calls or visits. ■ Encourage them to stay active. Look into bowling leagues, bingo nights, book clubs for seniors, dance lessons for the elderly, travel tours, seniors’ associations, etc. They will thank you for it.
Hood County News
Gum health a major concern for aging population
G
ot healthy gums? That’s one of the most important questions for senior citizens as they start to have concerns with their oral health. Dr. Cathy Hubnik, a dentist with Dentures and Dental Services (DDS) in Granbury, said that bacteria in the mouth actually changes early in life, starting with the onset of puberty. Up to that point, cavities are the most common problem. “When people are younger, the bacteria is different, so you’re more prone to cavities. Gum disease becomes more prevalent as we age,” Hubnik said, noting that you should consult with your dentist to check for possible periodontal (gum) disease. “In the United States, more adults lose their teeth to gum disease than to tooth decay. Hubnik said that before puberty, the bacteria that causes gum disease is more muted, although older people certainly can still get cavities as well. Maintaining healthy gums is also important when a senior decides to get dentures. “Once a person loses teeth, they continue to lose bone,” Hubnik said, noting that healthy teeth provide a healthy blood supply to the bone. O. Jay Killingsworth, manager of DDS, said that an-
Hood County News
COURTESY
REGULAR CHECKUPS: Gum disease becomes more and more prevalent as we age.
other change seniors commonly experience is dry mouth. It can be a side effect of some medications, and can increase the potential for cavities. There are a wide variety of over-the-counter saliva substitutes that a
pharmacist can recommend. Arthritis can interfere with some seniors being able to properly care for their teeth, such as when using a conventional toothbrush becomes too painful. Hubnik suggested trying an electric toothbrush, which can also be more efficient in removing plaque. Over a period of time, brushing techniques can falter. A hygenist or a dentist can help you with re-learning the proper way to brush, and show how to reach problem areas. Hubnik said that one relatively recent major development is that titanium implants have become more affordable in the last five years or so. “It’s the closest thing we have to making a natural tooth structure,” said Hubnik, who has been with DDS almost 10 years, and practicing general dentistry for 21 years. Dental implants can make chewing harder foods easier than with dentures. Maintaining that ability can help stave off the onset of dementia, according to one study done in Japan, Hubnik said. “When you have a harder diet, it sends oxygen to portions of the brain that help long-term memory,” she said.
25+ physicians. 12 specialties. One number. 817- 5 7 3 - D O C S No matter what kind of doctor you need, look to Lakeside Physicians. Our primary care physicians are here to provide routine checkups, health management and sick visits for your entire family. And for more specific needs, Lakeside Physicians offers convenient access to a number of specialists, covering everything from pediatrics and orthopedics to cardiology, general surgery, and more. To find a physician who is right for you, call today.
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Aging Parents
Saturday, February 23, 2013, Page 27
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Aging Parents
Hood County News