VB Connector Aging Well Jan/Feb 2024

What are the parts of Medicare?

Part A (Hospital Insurance)

Helps cover:

• Inpatient care in hospitals

TURNING 65

• Skilled nursing facility care

• Hospice care

• Home health care

See pages 25–29.

If you are reading this article you should be turning 65 either in April or May of this year. You are entering into your Initial Enrollment Period for Medicare. A most important health care benefit that you have been paying into since your first paycheck. You need to take steps to enroll in Medicare unless you are already receiving Social Security. If so, you should receive your Medicare card soon. If you are still working and have health insurance through your employer, you have some number crunching to do to see which option will be the most affordable and beneficial.

Part B (Medical Insurance)

Helps cover:

• Services from doctors and other health care providers

• Outpatient care

• Home health care

• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

To do this cost benefit analysis it is recommended to have a consultation with some who specializes in Medicare plan reviews. I have been doing them on a complimentary basis since 2005. We will explore what your employer coverage will provide, and cost compared to your two basic options with Medicare. You can see a printout from the Medicare and You book in the magazine.

• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

See pages 29–54.

Part D (Drug coverage)

Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

This can be a confusing and challenging decision for many to include being sure your doctors take the plan you want to enroll in as well as what your medications will cost on that plan. Both those concerns and more will be covered in the consultation. I look forward to hearing from you on when you would like to schedule a consultation either in your home, my office, or virtually.

Plans that offer Medicare drug coverage (Part D) are run by private insurance companies that follow rules set by Medicare.

See pages 79–90.

Replace your Medicare card

Need to replace a damaged or lost Medicare card? Log into (or create) your secure Medicare account at Medicare.gov to print or order an official copy of your Medicare card. You can also call 1-800-MEDICARE (1-800-633-4227) and ask for a replacement card to be sent in the mail. TTY users can call 1-877-486-2048.

If you get Railroad Retirement Board (RRB) benefits, you can call 1-877-722-5772 to get a replacement card. TTY users can call 1-312-751-4701.

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VIRGINIA BEACH EXPERTS

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ART AND CUSTOM FRAMING

Jaqui Lilly

BEACH GALLERY (757)428-3726 • beachgallery.com jaqui@beachgallery.com

CBD

Nicholas Antonio Rocha

QUEENS GREEN APOTHECARY (757)486-0941 • QueensGreenVB.com QueensGreenRX@gmail.com

DENTAL EXPERT

Ronald C. Fuhrmann DDS

RONALD FUHRMANN 757-499-8465 virginiabeachvadentist.com

ENTERTAINEMENT EXPERT

Nicole Maximo

VB NIGHTLIFE 757-652-0808 vbnightlife.com

GROW EXPERT

Adam Dobbins

GROW DEPOT (757)560-0355 • growdepot757.com adam@growdepot757.com

GYM

Bernie Neighbor

GYM AND JUICE TOWN CENTER (757)969-8844 • gymandjuicetowncenter.com admin@gymandjuicetowncenter.com

HOME DECOR & GIFTS

Sharon Ballance TOPIARIES (757)437-1183 • topiariesva.com info@topiariesva.com

HOME IMPROVEMENT — FLOORING

Pete Yates

YATES FLOORING (757)717-9955 • yatesflooringva.com sales@yatesflooringva.com

HVAC & RESTORATION

Marjorie Spring & Megan Edwards

HIGH TIDE CONTRACTING (757)910-6677 hightidecontracting.com

INSURANCE — HOME & AUTO

Monica Savino

SAVINO AGENCY (757)435-4291 • goosehead.com

Monica.Savino@goosehead.com

INSURANCE — MEDICARE

Dale S. White

INTEGRITY INSURANCE (757)650-2500 • integritymedicareva.com daleswhite@integritymedicareva.com

IRRIGATION

James Reeves

HYDRA IRRIGATION (757)917-5652 • hydrairrigation.com info@hydrairrigation.com

KITCHEN & BATH

Robert Stahl

NEPTUNE KITCHEN & BATH (757)222-3181 NeptuneKitchenandBath.com

LANDSCAPING & ARBORISTS

Michael Campbell

ART-IS-TREE LLC (757)319-5131 • artistreeva.com artistreeofvirginia@gmail.com

NETWORKING

Jake Maines

757 NETWORKING HH (864)567-4124 • networkinghh.com jake@jakemaines.com

ORGANIZATIONAL/BUSINESS CONSULTING

Sue Lebrato

YOU’RE AMAZING! (757)472-9164 slebrato@icloud.com

PERSONAL CHEF

James Francis CHEF FRANCIS III (757)359-2816 • ChefFrancisiii.com cheffrancisiiillc@gmail.com

PHOTOGRAPHY & VIDEOGRAPHY

Alex Hopper

SOUTH END PRODUCTIONS 757-536-0924 • southendproductions.com

SOLAR ENERGY

John Marshall

XPLORE SOLAR (540)654-0793 • xploresolar.com

john@xploresolar.com

TAX ACCOUNTING

Cindy Stover

BAY TAX ACCOUNTING (757)427-4424 • baytaxaccounting.com cinzia@baytaxllc.com

TRANSPORTATION — COMMERCIAL

Melissa Hedayatpoor

MTM INTERNATIONAL (407)914-4866 • shipMTM.com operations@shipMTM.com

Chef Francis is a private chef who specializes in customized menu planning for everything from birthday parties to an intimate Valentine’s Day dinner with your sweetheart. Meals are prepared in your home and served to you and your party as plated meals with lots of style. And the best part? (besides the food, of course!)…is that you don’t have to clean up the cooking mess!

His passion for food began in New York City as a young child in the kitchen with his mother.

“When I think back I can remember being in the kitchen, cooking breakfast, baking cakes, biscuits and rolls. Memories of preparing holiday meals are moments I treasure. My passion for food continued to grow and I worked in many restaurants, cafeterias, resorts and amusement parks — and even went on to own a gourmet hot dog food truck.”

Chef Francis graduated from the Culinary Institute of Virginia with an Associates in Culinary Arts in 2013 and a Bachelors in Business Management in 2014. Today he follows his insatiable desire to serve his community through cooking, taking pride in making each event unforgettable.

CHEFS & WHAT INSPIRES THEM chef James Francis III meet

It may surprise you to know that Chef Francis is a picky eater and does not eat some of his clients’ favorite meals because the dishes contain ingredients he does not personally care for but it’s not about him his focus is on exceeding the expectations of his clients, every time. It may also surprise you to know that Chef Francis is a minister!

When asked what he loves about Virginia Beach and his neighbors, he says, “I love that our area is filled with amazing people from all walks of life who also have a passion for good food. I love our local farmers and source some of my products from them when I can. Every neighborhood I have worked in has a personality of its own and I’m grateful to be able to express myself through my food and be embraced by this amazing community we call home.”

From appetizers to full meals, let Chef Francis take the stress out of your next special occasion (757) 359-2816 FOLLOW Chef Francis on Social

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Around Town

By Joel Rubin

Vet Owned JDOG Does More than Junk Removal

Nowhere is the statement “one man’s trash is another man’s treasure” truer than at JDOG Junk Removal and Hauling, a national company with 400 franchises, the southside ones belonging to Jon Paul, his new wife Amy and Trey Parks.

Jon did 20 years in the Navy, Trey 6 in the Air Force, and that background, along with a desire to serve the community and own your own business, are the prerequisites in this organization. “When I told Amy’s dad in 2022 I was leaving a good job in defense sales to be an unemployed trash collector,” says Jon, “I wasn’t sure how it would go over.” Well the family couldn’t be happier. “We are doing a lot of good for a lot of people.”

And not just those who want their homes, sheds or offices cleared out. “Yes, some stuff goes to landfills, and we recycle metals,” says Jon, “but when you look at our office and warehouse, you see that we bring a lot back.” Indeed there is furniture, dishes, and accessories everywhere, some they gladly donate to the needy. “But you would be surprised how many people of means are looking for an old anchor or wood carving to add the finishing piece to their den or lawn.”

Trey is new to JDOG and pleased to be on the truck. “I was working 70 hours a week for Amazon, and it was killing my home life.” The company’s mission is to drive veteran unemployment to below 1%. JDOG is doing its part.

For junk removal, call them at (757) 618-8164. Want to see what’s on the shelves for sale? Check out High Tide Services on Facebook and come over to Seahawk Circle. There are treasures galore for the discriminating shopper.

A former TV journalist in Hampton Roads, Joel Rubin is President of Rubin Communications Group and director of the WINDSday campaign to raise awareness of the offshore wind industry that is coming to Hampton Roads

custom framing · fine art · reproductions

Friday Block Party ( first Friday of each month)

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Free Parking off 30th St.

(757) 581-6472

Monica.Savino@goosehead.com

SAVINO AGENCY MONICA SAVINO RIDESHARE

INSURANCE Did you know?

In our sharing economy, Uber, Lyft, Grubhub and Door Dash are becoming extremely common. Due to increased risk, many personal auto policies won’t cover losses that occur while using your vehicle to drive for a fee. Limited insurance coverage may be offered by these companies, but this does not protect you in certain scenarios and your personal auto insurance may not either.

Talk to your agent about adding “rideshare” and/or “business use” endorsements to your policy to properly protect you in all scenarios. SCAN

HAVE OTHER QUESTIONS? CALL MONICA!

A quick look at your Medicare coverage choices

There are 2 main choices for how you get your Medicare coverage. These choices will be explained in more detail on the next page and throughout this book.

(See pages 61–64)

This includes Part A and B.

(See pages 65–78)

These plans are like HMOs or PPOs, and typically include Part A, B, and D.

Part A

Hospital Insurance

Part B

Medical Insurance

You can add:

(See pages 83–96)

Part D

Medicare Prescription Drug Coverage

You can also add:

(See pages 79–82)

Medigap Medicare Supplement Insurance

(Medigap policies help pay your out-of-pocket costs in Original Medicare.)

Part D

Medicare Prescription Drug Coverage

(Most plans cover prescription drugs. If yours doesn’t, you may be able to join a separate Part D plan.)

Things to consider when choosing your Medicare coverage

These topics are explained in more detail throughout this book.

Original Medicare Medicare Advantage

There’s no limit on how much you pay out-of pocket per year unless you have supplemental coverage.

Medicare covers medical services and supplies in hospitals, doctors’ offices, and other health care settings. Services are either covered under Part A or Part B.

You can add a Medigap policy to help pay your out-of-pocket costs in Original Medicare, like your deductible and coinsurance

Cost Plans have a yearly limit on your outof-pocket costs. If you join a Medicare Advantage Plan, once you reach a certain limit, you’ll pay nothing for covered services for the rest of the year.

Coverage*

Supplemental coverage

Plans must cover all of the services that Original Medicare covers. Plans may offer benefits that Original Medicare doesn’t cover like vision, hearing, or dental.

It may be more cost effective for you to join a Medicare Advantage Plan because your cost sharing is lower (or included). You can’t use (and can’t be sold) a Medigap policy if you’re in a Medicare Advantage Plan.

You’ll need to join a Medicare Prescription Drug Plan to get drug coverage.

You can go to any doctor that accepts Medicare.

Prescription drugs*

Doctor and hospital choice

Most Medicare Advantage Plans include drug coverage

You may need to use health care providers who participate in the plan’s network . If so, fi nd out how close the network’s doctor or pharmacies are to your home. Some plans offer out-ofnetwork coverage.

You can get a snapshot of the quality of care health care providers (and facilities) give their patients by visiting Medicare.gov

Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental insurance that offers travel coverage.

Quality of care

The Medicare Plan Finder at Medicare.gov/find-a-plan features a star rating system for Medicare plans

Travel Plans usually don’t cover care you get outside of the U.S.

* If you have other types of health or prescription drug coverage, check to see how it works with the type of coverage you’re considering before you make any decisions or changes.

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Floor Trader is your flooring supplier for installers and DIY homeowners and home flippers. Although installation services are not employed here, resources for contractors can be provided for you to book yourself. Floor Trader is a large warehouse with millions of square feet of flooring that’s readily available to you at the time of purchase.

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Carpet World Carpet One is a full-service flooring retailer for the everyday customer that will walk you through each step to fulfilling your flooring needs. They handle your project from start to finish, beginning with the design and ending with the installation.

Carpet World Carpet One of Chesapeake 669 Cedar Rd, Chesapeake, VA 23322

Carpet World Carpet One of Norfolk 3431 N Military Hwy, Norfolk, VA 23518

PROSOURCE WHOLESALE

prosourcewholesale.com

Prosource Wholesale is a one-stop wholesale distributor for all types of flooring materials, as well as everything needed for kitchens and bathrooms. These stores are for trade professionals, so you must be a contractor, designer, installer, or other trade professional to shop here.

Prosource of Hampton Roads 1738 Lambert Ct, Chesapeake, VA

Prosource of Newport News 301 Village Ave, Yorktown, VA

MEDICARE

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

Medicare approved grocery benefits under certain conditions for 2022. am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

YOUR HOMETOWN INSURANCE

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

SPECIALIZING

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

NO COMMITMENT

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

YOUR HOMETOWN INSURANCE GROUP

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

YOUR HOMETOWN INSURANCE GROUP

SPECIALIZING IN MEDICARE COVERAGE

RESIDENTIAL & COMMERCIAL

FREE healthcare assessment

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

NO COMMITMENT

FOR OUR NEIGHBORS IN & AROUND HAMPTON ROADS

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

SPECIALIZING IN MEDICARE COVERAGE FOR OUR NEIGHBORS IN & AROUND HAMPTON ROADS

DALE S. WHITE

(757) 650-2500

YOUR HOMETOWN INSURANCE GROUP

DALE S. WHITE

SPECIALIZING IN MEDICARE COVERAGE

DALE S. WHITE

FREE healthcare assessment

NO COMMITMENT

FREE Consultation

NO COMMITMENT

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(757) 650-2500

(757) 650-2500

NO COMMITMENT FREE healthcare assessment

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