SENIORcare 2021

Page 1

SENIORcare Michigan Chronicle

Caring for the Next Phase of Life

Alzheimer’s and the Black Community Helping Yourself Help Your Loved One

Parenting Your Parents How To Help Your Elder Parent Age Gracefully

Our Best Shot

The Importance of Vaccines for Older Adults


SeniorCare: Caring for the Next Phase of Life

S

eniors, our parents, and loved ones are more active and living longer than in the past. Still, aging is inevitable, and they will eventually need help navigating the most common aging issues. Healthy aging isn’t just dependent upon physical health. It’s also reliant on maintaining positive attitudes about aging. Life is full of phases, and each new stage brings new excitement, rewards, and challenges. When older adults enter a new phase of life, we want them and their loved ones to adapt to them so they can meet what is coming. As Seniors and our loved ones move through the years, they adapt to new situations. As we watch our loved ones enter late adulthood with all its wear and tear, we might wonder: are we prepared for this change? Are they prepared? The Michigan Chronicle’s SENIORcare: Caring for the Next Phase of Life sheds some light on a universal experience that too often goes undiscussed: the stages of aging and caring for the next phase of life. SENIORcare: Caring for the Next Phase of Life provides valuable tips, information, and resources so that you can help your parent or loved one live the highest quality of life for their situation. And it will help you care for them while maintaining self-care.

2 SENIORcare | October 2021

■ How To Help Your Elder Parent Age Gracefully ■ The Benefit of Caretaker Support Groups ■ How to talk about and prepare for your Elders Final Transition ■ Alzheimer’s — Helping Yourself Help Your Loved One Declining skills as we age are often inevitable. But declining independence doesn’t have to be. Stay Positive! Stay Safe!

Hiram E. Jackson Publisher, Michigan Chronicle Chief Executive Officer, Real Times Media


Get Medicare-ready— it’s not too early Have a free* Humana Medicare Advantage plans benefits review Whether you have Medicare already or you’re taking your first steps toward it, now is a fine time to learn about plans, premiums and prescription coverage.

Learn from an expert Your local, licensed sales agent can show you available plans and what they offer. There’s no obligation, and this conversation may help you:

• Find out which plans fit your needs and lifestyle • See whether your prescriptions are covered • Learn about wellness programs that may be available as part of a Medicare Advantage plan

More than a plan Call a licensed Humana sales agent Local Humana Office 800-649-0059 (TTY: 711) Monday – Friday 8 a.m. – 5 p.m. Humana.com

See why more than 9 million people across the country** have chosen Humana all-in-one Medicare Advantage plans and stand-alone prescription drug plans.

A more human way to healthcare™

* No obligation to enroll. **Humana Inc. First Quarter 2021 Earnings Release April 28, 2021. At Humana, it is important you are treated fairly. Humana Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender, gender identity, ancestry, marital status or religion. English: ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call 1-877-320-1235 (TTY: 711). Español (Spanish): ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-877-320-1235 (TTY: 711). 繁 體中文 (Chinese): 注意:如果您使 用繁體中文 ,您可以免費獲得 語言援助服務 。請致電 1-877-320-1235 (TTY:711) 。 Y0040_ GHHJEW7EN_22_AD_M

755472_GHHJEW7EN_Ad_4C.indd 1

` FILE PREPARED BY HUMANA’S INTERNAL CREATIVE SERVICES | FINAL PRINT READY PDF FILE FOR JOB: 755472_GHHJEW7EN_Ad_4C

SENIORcare | October 2021 3 9/30/21 1:06 PM


Nonprofit Helps Seniors Remain at Home

W

e can all use a little extra help sometimes. This can be especially true for older adults, who may find themselves in need of additional support as they age. The Area Agency on Aging 1-B (AAA 1-B) is a nonprofit community resource that does just that—it provides services and resources to help seniors live independently and with dignity in their own home or with family caregivers. The agency serves a six-county region that includes Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw counties. Its services include government-funded in-home care programs for those that qualify, health and wellness classes (fall and chronic pain and diabetes management), Medicare assistance, help finding transportation, classes and support programs to assist people who are caring for an aging loved one, and a free information & referral phone line that helps connect people with resources. Most of the agency’s programs are geared to people who are 60 and up or who are caring for someone 60 and older. If you or someone you know s needs assistance, you can call the agency at 800-852-7795 or visit their website at aaa1b.org. The agency’s Medicare Medicaid Assistance Program (MMAP) is also offering free, unbiased one-on-one counseling during Medicare Open Enrollment (October 15- December 7). Open Enrollment gives people the opportunity to make choices regarding their Medicare Part D coverage for the upcoming year. You can also make choice regarding Medicare Advantage plans during this time. A yearly review of your Medicare options may help you save money. To make an appointment with a volunteer MMAP counselor, call 800-803-7174.

Helping Seniors and Their Families for Over 45 Years Call us. 800-852-7795. We’re ready to help. We are a nonprofit focused on supporting seniors so they can live independently and safely wherever they call home. We provide a network of services and programs which include: • In-home care services • Support for family caregivers • Meals on Wheels • Caregiver educational classes • Help finding housing • Health and wellness classes • Help finding transportation • Medicare counseling

Medicare Help Our unbiased volunteer counselors are ready to help you understand your choices during Open Enrollment! Appointments by phone or Zoom. Call 800-803-7174 to schedule. Serving Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw counties. Visit aaa1b.org 4 SENIORcare | October 2021


ent has to take their medication and they don’t want to – don’t force them to take their medication because it “rarely works in the long term.” “A good way to approach is to elicit the parent’s values/goals for their health,” Siddiqui said, adding that if the goal is to feel well enough to walk in the yard, then going through physical therapy will help achieve it. “For parents who are resistant to taking medicines: finding out what the issue is.” He added that goal-based plans may help like the elder parent might want to be feeling better enough to attend their grandchild’s graduation or a wedding and putting it in that perspective.

Parenting Your Parent How To Help Your Elder Parent Age Gracefully By Sherri Kolade

Dr. Afaaq Siddiqui at the Henry Ford Novi Family Medicine said, however, that it can be done. A decrease in one’s ability to independently function (like shopping, cooking, or driving alone) can be especially very hard on an individual mentally, Siddiqui said because denial could play a very big role during that time.

“Caregivers/children can approach the topic asking the parents how they are doing and how they can help,” he said, adding that understanding their fears and concerns is important. “Good communication is important and that fosters trust. Being patient and giving them time will help. “ Photo provided by Henry Ford Novi Family Medicine

When it comes to assisting parents as they become up in age, it can be a delicate task to balance out the ever-growing role reversal of parenting one’s mom or dad.

they may have to leave their house and move to assisted living which may not always be the case.

During this time, the emotional toll of a role reversal relationship where the adult child parents the parent could vary, Siddiqui said, depending on how much assistance an aging parent might need.

“They may not be the first people to no“There can be an emotional toll on the tice this decline especially if it is gradual. And adult child. Especially if they are also raistherefore, it may also be hard to accept,’ Sid- Afaaq Siddiqui MD Family ing a young family. There could be feelings diqui said, adding that it is important for the Medicine, Henry Ford of guilt if they are not able to do as much as caregiver (or child) to approach the situation Novi Family Medicine they want to or they may feel overwhelmed with empathy and love. “They should do their with the additional responsibility,” he said, adding that it’s best not to come across as harsh and without empathy. A about moderation, though it’s not easy. “They may find it good way to look at this is how we would like ourselves to hard to get a good balance.” be approached if we are in a similar situation.” Siddiqui added that one of the fears aging parents might have is that if they are not able to function independently,

He said that parenting a parent is best done by lovingly guiding the parent along. For example, if the elderly par-

“This does require patience on the part of the caregiver,” he said, adding that they should be encouraged to ask for emotional/physical help should they need it. “If a parent is bed-ridden, this requires more physical help from the child. They should seek out community / medical resources that may be available to the parent as a result of their condition.” Siddiqui added that the generation most likely to be parenting their parent right now is Generation X – born between 1965 and 1980, which comes with some advantages. “They are likely more technologically advanced than the previous generation. This helps them leverage the power of electronic medical records and the associated apps to help be more efficient,” Siddiqui said. “They can also be involved in care without actually needing to go accompany the parent in every visit. “Children are encouraged to use all available resources in the health system to help them care for their parents. Hospital departments like case management, palliative care, home-based care programs can be of great assistance.” Siddiqui added that the overall takeaway with compassionate caregiving is to ensure emotional wellbeing for both parents and the child who is helping is at the top of the list, along with maintaining dignity and autonomy are important factors for all, especially aging parents. “It is important for the caregiver to keep that in mind for their approach to their parents’ medical care,” Siddiqui said.

SENIORcare | October 2021 5


Alzheimer’s

Black Community and the

Helping Yourself Help Your Loved One

O

By Sherri Kolade

ver six million Americans are living with Alzheimer’s in America – and that number is only going to grow, according to the Alzheimer’s Association (AA). About 6.2 million Americans (65 years and older) are battling with Alzheimer’s dementia this year. Seventy-two percent are age 75 or older.

A could do to take things to the next level of detailed medical assistance.

“It is exciting when we can share those resources with those people,” Bennis said, adding that when it comes to the Black community (like other Where does that leave the caregiver groups) looking for resources in who is also growing by the minute with this field, it can be important to these increasing statistics, especially find the right help for you even when it comes to the Black community amidst uncertainty. “I know that helping themselves-- as they help their in the Black community there is loved ones -- during this time? (sometimes) a lot of historical mistrust in the healthcare arena, Shawn Bennis, MSN, R.N., family so I feel like if someone that caregiver specialist, C.A.R.E. Program, is caring for someone in any Henry Ford Health System (HFHS), told capacity that might be in the the Michigan Chronicle that within the Black community if they reach C.A.R.E. program there are multiple resources available for all types of family out and talk to us and realize we caregivers to identify in their time of need can help steer them in the right direction.” based on the county, city and state. Bennis added that providing Bennis said that one-on-one talks reputable resources within HFHS through the C.A.R.E. program entail or outside of Henry Ford is what helping caregivers find out what they they’re all about. need to prioritize in their lives when helping the Black community, among “We do have a lot of strong others, deal with Alzheimer’s. connections in the community,” she said. “We realize being a “We find out what their needs are, health system we can’t do it what they’ve tried in the past and what all – we have to reach out to they’re hoping the future looks like and other community members and helping them come up with something hopefully we can help them put that is going to assist them,” Bennis their mind at ease.” said, adding that some people have no problem with respite care -- a lot of Bennis said that taking care families involved really don’t have that of someone with Alzheimer’s need, however. is not always an easy task, but often if someone needs help Bennis added that in addition to finding out what the needs are of they can contact the Alzheimer’s caregivers and patients who have Association Helpline at 1.800.272. Alzheimer’s, it’s about tailoring a 3900 and speak with someone customized list of suggested things they 24/7. Older Black Americans are about twice as likely to have Alzheimer’s or other dementias as older Whites, according to AA.

6 SENIORcare | October 2021

“You can call and talk to somebody because a lot of times elderly folks who have Alzheimer’s don’t sleep very well,” she said, adding that these sleep[related concerns can keep the caregiver up at night. Oftentimes I tell them (caregivers) to call that number and talk to somebody -- even if it is just for two minutes,” he said. “I find that very helpful; it is just one step in getting resources as an individualized thing.” Bennis added that it’s important for the caregiver to take breaks for themselves and remember to do things for themselves still – even if it is in smaller quantities. “Maybe they did go for a long neighborhood walk, now they can’t leave their loved one alone. They can still walk around house make an exercise routine in the house,” she said, adding that they could also join virtual support groups for the caregiver and mindfulness sessions HFHS offers weekly. “All of our classes all less than an hour and are pretty doable for most people to step away for a moment and still be in the house and feel safe,” Bennis said. For more information call 1.866.574.7530, email caregiverresources@hfhs.org or visit https://www.henryford. com/familycaregivers.

lzheimer’s disease is the 6th leading cause of death in the United States, killing more people than breast cancer and prostate cancer combined. More than 6 million Americans are currently living with Alzheimer’s and that number continues to rise. Of those 6 million, 190,000 individuals living with dementia reside right here in Michigan. More than 518,000 caregivers provide care for individuals living with Alzheimer’s and other dementia across the state, amounting to a staggering 491 million total hours and $8.5 billion of unpaid care. The Alzheimer’s Association Michigan Chapter is the premier source of information and support for Michigan residents living with dementia and their families and caregivers. The Alzheimer’s Association offers a broad range of free programs and services, funding for Alzheimer’s and dementia research advocacy efforts, and more on behalf of Michiganders. We offer education programs, social engagement programs, and various types of support groups (some offered in multiple languages) available throughout the state to assist those impacted by dementia and engage those interested in learning more about the disease and our organization. Through events like the Walk to End Alzheimer’s, The Longest Day, Chocolate Jubilee, Spring Soirée and more, we raise funds for Alzheimer’s and dementia care, support and critical research. Contact our 24/7 Helpline at 800.272.3900 for confidential support and assistance, email helplinegmc@alz.org or visit alz.org/gmc to learn how you can get involved today.


Caring for someone with Alzheimer’s isn’t easy. Reaching us is.

If you care for someone with Alzheimer’s disease, memory loss or dementia, you are not alone. We’re here day or night — whenever you need us — offering reliable information and support.

800.272.3900 alz.org/gmc

SENIORcare | October 2021 7


Our Best

Shot

The Importance of Vaccines for Older Adults By Andre Ash COVID-19 vaccines have been rendered safe and have shown signs of effectiveness, in particularly for older individuals. That is what a recent report published by the Center for Disease Control detailed in its Morbidity and Mortality Report. Among adults aged 65 - 74 years, effectiveness of full vaccination for preventing hospitalization was 96% for Pfizer-BioNTech, 96% for Moderna, and 84% for Janssen COVID-19 vaccines; among adults aged over the age of 75 years, effectiveness of full vaccination for preventing hospitalization was 91% for Pfizer-BioNTech, 96% for Moderna, and 85% for Janssen COVID-19 vaccines. Dr. Ijeoma Nnodim Opara is a double-board certified Assistant Professor of Internal Medicine and Pediatrics at WSUSOM, Associate Program Director of the Internal Dr. Ijeoma Nnodim Opara Medicine-Pediatrics residency, and attending physician with Wayne State University Physician Group. Dr. Nnodim Opara understands the need for outreach and education on the effectiveness of the vaccine as some individuals continue to question vaccine treatment and results. “For older African-American, they’re actually one of the folks that are more vaccinated. Our older folks are doing actually a pretty good job of getting vaccinated and are clear on the risks. They’re clear that the benefits outweigh any risks.” “Most get caught up, particularly Black people as it relates to the Tuskegee experiment, misinformation and so many other things,” said Edgar Robinson, 72, of Detroit. Robinson stood at the bus stop of the Rosa Park Transit Center on his way home from handling business affairs. He has taken two vaccine doses and has no problem with being out in the world on his daily encounters with passengers or dealing with any mask or vaccine mandates; he just wishes more people are informed and interested in their health. 8 SENIORcare | October 2021

“Personally, if it’s going to help me, then I’m going to do what I have to do whether I like it or not. My mom and dad years ago would tell me about smallpox but in all my years, I have never seen anything like this before.” According to the MMWR, its analysis of 7,280 laboratory-confirmed COVID-19 associated cases among hospitalized adults over the age of 65 years, all three COVID-19 vaccine products currently authorized for use in the United States had high effectiveness in preventing laboratory-confirmed COVID-19 associated hospitalizations. Dr. Nnodim Opara who has academic interests in health equity, justice, social and structural determinants of health, global health, and interprofessional education, believes that the elderly who are not vaccinated, it’s really just a question of meeting them where they are and addressing their valid concerns. For the most part, she believes the senior population has been equipped with better outreach and the benefit-cost analysis as it relates to their own health. “I think they have done the benefit calculation and the assurance that they are at higher risk of negative outcomes from COVID 19 if they do get infected. Many of them also have other chronic medical illnesses, so they don’t have a strong of a sense of invincibility.” Unlike younger people, she believes older adults understand what a disease can do to them – more of a reason why most elderly feel equipped to make a decision to get vaccinated. Older adults are usually already connected to the health care system and have doctors who can talk to them and provide information on vaccination. Additionally, the elderly population were at higher risk, making them a

target for information and resources and placed in a better position to help them make a vaccine decision. As the pandemic continues to endure, what should vaccinated seniors do now? Dr. Nnodim Opara is in alignment with current CDC guidelines which recommends older adults over the age of 65 years would benefit from a booster shot. Despite seniors being heavily targeted for vaccination, she believes more can be done. “We need to continue to take more integrated approaches, holistic approaches to addressing this issue of vaccine deliberation among our community and to address all the concerns that folks have. You build a much stronger safety net around the not just the health concerns, or the medical concerns of the community, but also the social concerns.” For any persons or older adults who still have concerns about getting vaccinated, Dr. Nnodim Opara who is passionate in health equity, believe some of their concerns are valid. “Many of the people who were sort of hesitant or deliberative or skeptical around vaccines, some of their reasons are because the energy that has been put into lifting up the vaccines. They haven’t seen a similar amount of energy or intensity of energy when it comes to addressing issues of educational disparities, other health disparities, food access issues, issues related to criminal justice issues related to housing, etc. So we need to have a more holistic, integrated approach. It’s not just about vaccines, it’s not just about COVID – it’s about keeping, all members of the community, whether by age or occupation, healthy in a holistic, comprehensive way.”


MUCH MORE THAN MEALS ON WHEELS Most people know the Detroit Area Agency on Aging (DAAA) because of home-delivered meals. Yet, one call to us connects families to various resources and programs related to aging that include caregivers, telehealth, senior community wellness centers, trained health insurance counselors, and much more.

attention is on lifespan issues, and we will work to achieve equity in everything that affects successful aging.

DAAA has a 40-year history of service, and we intend to find solutions that improve the quality of life for all people as they age.

We are joining forces with Michigan Public Health Institute (MPHI), AARP Michigan, and other community partners to implement community-wide planning to improve and increase access to health care and reduce health We are also known for our research disparities and premature death. This reports on premature deaths among work will be achieved through an Inclupeople of color entitled, “Dying Before sive Health Care Taskforce. Our focus Their Time.” The third edition coincidincludes the social and environmental ed with the COVID-19 pandemic and determinants of health, expanding conits disproportionate impact on African nectivity, and the use of technology with Americans. Coupled with the heighttraining among older adults, caregivers, ened awareness of the social, racial, Ronald S. Taylor, President & CEO city residents, and community-based economic and health disparities faced by communities of organizations to improve the overall health status of Metro color - the significance of aging while Black has grown. Our Detroiters with a focus on the DAAA service area.

We added telehealth to our portfolio of services, increased intergenerational programming, and new efforts are underway to reduce social isolation. We know that the best solutions come in partnership with others. We are better and stronger when we are together – and everyone who reads this can have a role.

We Are Here For YOU!  Imagine regular health check-ups from the convenience

of your home.  Personal attention from a team focused on your progress.  Professionals with a 40-year track record in metro Detroit.  Medicare/Medicaid Coverage – No Cost to You. echnology, working for YOU…Keeping you safe and well.  TTechnology,

A Healthier YOU With Our Help!

Senior

Telehealth CONNECT STAY HOME, STAY WELL Powered by:

Solution

Remote Patient Monitor

Enroll Today!

313-446-4444 Ext. 8353 DetroitSeniorSolution.org

1333 Brewery Park Blvd. Suite 200 • Detroit, MI 48207 313-446-4444 Ext. 8353 | daaatelehealth@daaa1a.org SENIORcare | October 2021 9


Preparing for An Elder’s

L

By Megan Kirk

ife is a beautiful journey of highs and lows to be lived to the fullest. As parents and grandparents age, the need to prepare for their final transition becomes a topic of conversation, though uncomfortable, is necessary. Beginning the conversation may present a challenge, but with patience and compassion, talking about an elder’s final moments can help a family prepare for one of the most difficult moments; saying goodbye. The transition of a loved one is a hard time for any family. The cost of burials can grow into the thousands, leaving loved ones to bear the weight of the financial obligations to ensure a peaceful transition. For some families, having a plan in place can also relieve stress during the final moments. Though elders may not want to engage in this series of questioning, it is important to tackle the task with the same love and care. Patience is a key element in having conversations with elders about their plans for their end of life and final transition. It is important to remember the sensitivity of your senior and the subject matter. Most elders are in denial about the extend care they need. Some will protest having a plan in place, but allowing time for the elder to accept their ailing health can help. Though the conversation may prove difficult and stressful for the family as well as caregivers, it is important to remember their behavior is normal as they are used to the independence life has afforded them. Another key element in having healthy conversations with elders about their final transition is time. As time continues on, it becomes more difficult to have these conversations as health issues could begin to decline. It is important to begin having these conversations before parents or grandparents reach the point of needing assistance. Getting a head start on questions concerning end-of-life treatment and personal burial wishes can also make the elder feel uneasy. Discussing sickness and death is never an easy conversation, but starting early can help lower and calm fears of caretakers and family members. Research can also be a useful tool in having

10 SENIORcare | October 2021


conversations about the final moments of a loved one’s life. The internet is a resourceful tool is searching for various types of care, facilities, such as nursing home, as well as locating additional services in the community that could help in the conversations. Support can come in various ways, but there may be no better support system than that of family. To help smooth things over, bring in trusted family members to help sell elders on different aspects of the conversation. For children who may also double as caretakers, bringing in other siblings can hep level the playing field and allow the elder to see how much love and support is surrounding them. It can also include extended family and friends to help the elder feel more at ease. Elders may already have a short fuse as changes begin to affect their lives, so it is also important to not add additional stress to the elder. Processing new health information and shifts in life may be hard to accept for those preparing for their fi-

nal transition. Allowing them space to feel their emotions while remaining empathetic to their process will work to guide both parties through the conversation. It’s essential to also allow elders to share in the conversation. This is their life and they may have additional questions about methods of care, processes and other topics. Bringing in a doctor or another trained professional will help them feel independent while also establishing a sense of understanding for the decisions necessarily for their final transition. Using the opportunity to ask their doctors pointed questions about their specific case will also give family the chance to gain a clear perspective to help guide their elder to the best decision for their situation. Although end of life conversations are necessary and difficult, they do not have to be a burden. Upon their final transition, families may need additional support in processing the feelings after a loved one has gone on. Therapy is also available to help family’s through the grieving process.

Embrace the possibilities Presbyterian Villages of Michigan (PVM) creates opportunities for seniors of all faiths. Connecting seniors to resources and their community for a vibrant life.

www.pvm.org | (248) 281-2020 PVM Programs and Partners include:

Chesterfield The Village of East Harbor 586.725.6030 Clinton Township The Village of Peace Manor 586.790.4500 Detroit The Thome Rivertown Neighborhood 313.259.9000 The Village of Bethany Manor 313.894.0430 The Village of Brush Park Manor Paradise Valley 313.832.9922

LIVE YOUR WAY The Senior Alliance exists for one reason. To improve the lives of aging adults. They are our parents, our grandparents, and our great-grandparents. They are our histories and our legacies. And as they age they deserve to continue living a full life, they deserve respect, and they deserve to be treated with dignity. 5454 Venoy Rd. Wayne, MI 48184 734-722-2830 | www.thesenioralliance.org

Delta Manor 313.259.5140 The Village of Harmony Manor 313.934.4000 Hartford Village 313.270.9700 The Village of Oakman Manor 313.957.0210 The Village of St. Martha’s 313.582.8088 The Village of University Meadows 313.831.6440

Redford The Village of Woodbridge Manor The Village of Redford 313.494.9000 313.541.6000 Fort Gratiot Township The Village of Lake Huron Woods 810.385.9516

Warren The Village of Warren Glenn 586.751.5090

Gibraltar The Village of Gibraltar Manor 734.676.4802

The Village of Our Saviour’s Manor 734.595.4663

Pontiac The Village of Oakland Woods 248.334.4379

Westland

The Village of Westland 734.728.5222

SENIORcare | October 2021 11


HAP Medicare Advantage Plans. Made in Michigan. For Michigan.™

AS YOUR LOCAL, NEIGHBORHOOD HEALTH PLAN, we’re here to help you find a Medicare Advantage plan that helps you live life to the fullest. Learn about our new 2022 HMO and PPO Medicare Advantage plans with premiums starting as low as $0* per month PLUS the benefits you want, like comprehensive dental, $0 hearing and vision coverage, up to $400 in annual over-the-counter (OTC) allowance and so much more.

Ready to Find Your Plan? Call 1-313-528-0194 or visit HAP.org/MIChron to explore plan options, get answers to your questions AND learn how you can get a $10 gift card** for attending a Medicare seminar! Hours of operation: 8 a.m.–8 p.m. every day

You must continue to pay your Part B premium. Limited to one per person. Current HAP Medicare members are not eligible for this offer. HAP Senior Plus (HMO), HAP Senior Plus (HMO-POS) and HAP Senior Plus (PPO) are plans with Medicare contracts. Enrollment in the plans depends on contract renewals. HAP Senior Plus (PPO) and Alliance Medicare Supplement are products of Alliance Health and Life Insurance Company, a wholly owned subsidiary of HAP.

*

**

Y0076_ALL 2022 AEP MI CHRON AD_M 12 SENIORcare | October 2021


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.