Capital District Family Now - November 2021

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FamilyNow Capital District

Vol. 2, #11 | NOVEMBER 2021

generations together

A Thanksgiving survival guide Heroes of the gridiron Medicare options available

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2 Family Now — November 2021

Editor’s desk

A holiday for the ages

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Thanksgiving’s appeal grows with each passing year

don’t know exactly when it happened, but it seems I have gotten “old.” I know this because I have started thinking about Thanksgiving as the very best holiday there is, and only old people really feel that way.

Thanksgiving can be a nightmare for kids. They have to sit still and make polite conversation with grown-ups.

There’s a lot of food, but it’s a far cry from the comfort of mac and cheese or pizza. There may even be out-of-town cousins to entertain who treat their treasured toys with careless disdain. Thanksgiving is very much NOT a holiday for kids.

So I view my embrace of the holiday and all of its trappings as evidence that I am definitely on the other side of childhood. My own kids probably don’t share my level of enthusiasm for the day, but as they get older, they find it less of a chore to make polite conversation, and they know how to gracefully sneak off now and then for some downtime.

I guess the reason Thanksgiving appeals to me is that it lacks all of the crazy commercialism that we can’t escape in December. I also really like to cook, and Thanksgiving usually gives me many willing mouths to feed. And then there’s the family part. My extended family is far-flung, and it would be a rare thing to have us all at one table, but I am fortunate that we get to spend the day with my dad and my in-laws. It’s a low-key day about family and gratitude, and for that, I couldn’t be more thankful.

As always, thanks for reading. Check out our articles and more at www.cdfamilynow.com and mail your story ideas and pictures to Capital District Family Now, P.O. Box 100, Delmar, NY 12054, or e-mail me at robertsk@spotlightnews.com.

Kristen Roberts Editor, Capital District Family Now

FamilyNow Capital District

generations together

For every age and stage of family life.

November 2021 Features Best. Thanksgiving. Ever

14-15

Foster to adopt

11

Columnists Parenting with Confidence

4

Learning Center

8

Triple Threat

12

Recollections 18 Social Security Corner

22

What’s new On the Bookshelf

5

Kids Fun Page

6

Brain teasers

16

Resources Senior Centers

20-21

publisher - John McIntyre editor - Kristen Roberts editor-at-large - Michael Hallisey advertising sales - Denice Mau art director - David Abbott graphic design - Martha Eriksen Engagement Coordinators -

Rachel Dottino, Frank Gillen

Collecting vintage football cards has been a cheap, but satisfying hobby for writer Michael Hallisey. Read about it on Page 18.

Capital District Family Now is a unit of Community Media Group LLC. Published monthly. Deadline for advertising and calendar events is the 5th of the month preceding publication. Display advertising rates are available on request. Capital District Family Now reserves the right to refuse advertising for any reason.

We do not guarantee any of the information, services or products published in this or any issue. The opinions expressed by the contributors do not necessarily reflect the opinions of this paper. © Copyright Capital District Family Now. No portion of Capital District Family Now may be reproduced without written permission from Community Media Group LLC.

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Parenting with Confidence

Modeling gratitude for kids Encourage an appreciative and thankful heart in your children with your own behavior

Showing your gratitude can be as simple as posting some sticky notes that tell someone that you appreciate them.

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his time of year always Teaching our kids gratitude has me reflecting on is a beautiful thing for them to how to appreciate life carry in their own lives. Here are a little deeper. How a few ways to teach kids how much have I grown, to practice gratitude. learned and changed 1. Teach kids by over the year? I how to show like to say there their gratitude. are always things If someone gives to be grateful for. them a gift or

Quoida Lauzon

November is a month to show extra gratitude. Even in challenging moments, like a pandemic, we can still have hope and gratitude in our hearts. When we say and show our gratitude, it can be such a mood booster and help us center ourselves.

does something kind for them, you can teach your child to write a thankyou letter or, for younger kids, a homemade card with a nice picture for the person who did something generous.

2. Talk about gratitude and model it in your own life. Kids

OPEN HOUSE

are sponges and learn from adults. When you go around saying “please” and “thank you” to your partner, your children and other family members, then your children will pick that up as well. When you go out in public, such as a restaurant, encourage your child to order

themselves so they are able to interact with the wait staff. Show gratitude and respect to others so your children will see we should treat others how we would want to be treated.

3. Have your children earn it. To help your child have a

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Register at ahns.org

1-800-432-JOIN (5646) savethemanatee.org Photo © David Schrichte

Want to “draw“ more business online?

To advertise on our website, call Denice Mau at 518-439-4949 Visit us at:

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GENERATIONS TOGETHER

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CAPITAL DISTRICT

FOR GIRLS IN GRADES 6-12

picture books

On the Bookshelf

Fun family reads for fall ‘Better Together!’

‘Uni the Unicorn in the Real World’

By Amy Robach and Andrew Shue; illustrated by Lenny Wen

By Paris Rosenthal and Amy Krouse Rosenthal; illustrated by Brigette Barrager

A bad storm forces both the Squirrelly and the McMunk families to flee their homes — and end up in the same tree. At first, it feels like a fun adventure. But soon, the families realize they’re used to doing things differently. This sweet story is an excellent read for blended families. Flamingo Books

When Uni the Unicorn visits her best friend, they hope to prove to everyone that unicorns are real. But there’s one little problem: No one can see Uni. But, with a bit of help from her magic horn, the other kids start to believe. Random House Studio

‘The Creature of Habit’

By Jennifer E. Smith; illustrated by Leo Espinosa A large creature who lives on the island of Habit does the same things day in and day out. He’s very happy with his routine. When a small creature arrives on the island, the big creature is thrilled — until the small creature turns everything upside down. Random House Studio

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n u F s d i K ge Pa

FOOTBALL WORD FIND

Coloring Fun

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Healthy pets

Snakes good for beginners

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nakes long have been popular pets for those enamored with scaled creatures. According to Reptile Guide, mammals are biologically inclined to be wary of snakes in their environment, and that may be one reason why snakes are often painted in a negative light. But snakes aren’t all sneaky and sinister. In fact, many types of snakes make ideal pets. With around 3,500 species, there’s likely a snake for everyone.

Corn snake This is a popular snake species. It’s very docile and doesn’t mind gentle handling. Plus, corn snakes reach a maximum length of between 3 and 5 feet, which is a manageable size for beginners.

African house snake Beginners also may find African house snakes are easily managed. Thanks to their small size, these snakes can live their entire lives in a typical 20-gallon aquarium tank.

Western hognose snake Native to the Great Plains of America, these snakes have similar coloring to rattlesnakes and often are mistaken for them.

Unlike the traditional triangular head of most snakes, this snake has an upturned snout that gives the Western hognose its name. The snake also can flatten its body to create a cobra-like hood and even may “play dead.”

Ball python The ball python is an iconic pet snake. It is wildly popular among reptile enthusiasts and is even a favorite among beginners. Ball pythons aren’t always up for handling right off the bat. It takes time to build up trust with this snake and help it grow accustomed to human interaction.

Tarahumara locality boa constrictor There are many varieties of boa constrictor, many of which are large. The Tarahumara stays

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Many types of snakes make ideal pets. With around 3,500 species, there’s likely a snake for everyone.

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Learning Center

Education insight for parents

Toys that pull double duty Give something that promotes learning and fun this holiday season

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uring the holidays, the stores are packed with a variety of toys and games, making it hard for parents to know which types are appropriate matches for their children.

By selecting toys that offer a combination of fun and learning, parents can do more than just stimulate a child’s enjoyment – they can inspire and enhance his reading and math skills while nurturing problem solving and imagination.

Patrick McNamara

Reading/Writing Books help children enhance their vocabulary and appreciate words and literature. See if there is a certain author whose books your child likes to read and be sure to bring home a couple of his favorites.

Find a special diary or personalized writing tool for your child, and she’ll have hours of fun writing journal entries every day.

Before she realizes it, she’ll have set aside extra writing time that she’ll look forward to!

Subscribe to a magazine for your child (e.g., Ladybug, Ranger Rick, Spider, Your Big Backyard, Zoobooks, Boys Life, etc.) to learn about topics of interest to him. He will be excited

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Choosing the right toy for your child will give him the opportunity to think, practice a particular skill or learn some-

thing new, as well as engage dren how math is used beyond him in hours of play. To strike the classroom. Take turns playa balance between learning and ing banker in Monopoly or play fun, parents should look for toys a game of Yahtzee and calculate that fit their child’s age, skills, the odds of rolling specific numabilities and interests, and give ber combinations. him the opportunity to learn Electronic counting and grow. Take the time games offer children to understand how by number and counting the toy works and challenges. whether it’s suitable A toy cash regisfor your child. ter helps children You’ll help your understand math child learn and have when making change fun at the same time! with money.

To help parents Building blocks teach chilidentify toys that nurture learndren about geometry and shapes. ing behaviors in key areas of development, following are some Dominoes are a great game tips to help parents find toys that for children of all ages. Smaller making learning fun. children can use them to recognize similar quantities while Math older children can explore the Board games can show chilconcepts of probability.

8 Family Now — November 2021

ing skills and logic as children navigate the different levels of each game.

n Learning Center continued from Page 8

Project-based toys such as model airplanes, cars, ships and rockets help children build motor skills, teach them how to follow directions, and encourage ideas about how things work.

about having his own reading materials that come in the mail addressed to him each month.

Imagination/Creativity Pretend play with dolls, stuffed animals and action figures can spark the imagination.

Dress-up costumes, dollhouses and other pretend props encourage children to tell stories and play make-believe.

Young children love to pretend with child-sized versions of everyday adult objects. Find activities and toys that are pretend versions of items you use on a regular basis. Children love to do what grownups do.

Toys like the Easy-Bake Oven introduce children to basic food preparation skills, such as reading recipes and following cooking directions.

Art materials foster creativity and help improve reading and writing skills.

Building blocks teach children about geometry and shapes, and they can help children acquire the reasoning necessary to learn math more quickly.

Reasoning Skills For young children, toys like building blocks, LEGOs, and Tinkertoys actually help children acquire the reasoning necessary to learn math more quickly.

Look into games like Connect Four or Yahtzee to teach your child strategy and problemsolving skills. He’ll have fun learning and playing before he even knows it!

Science kits, chemistry sets and ant farms offer great insights into the world of science and help enhance reading comprehension and critical thinking. They also encourage your child to follow the rules and strategy behind experiments.

Video games are often not thought of as educational toys, but they help build reason-

Some parents see toys in their commercial context alone, but the play they trigger is an important part of a child’s intellectual development. Further, when learning activities are fun, children spend more time and effort with the activity, leading to a more effective learning activity. If you ask your child which teacher they enjoy the most, they will often describe that teacher as someone who makes their classroom a fun place to be.

Look at holiday gift giving as an opportunity to combine “fun” and “learning.”

Patrick McNamara is the owner and executive director at Sylvan Learning of Albany and Clifton Park. For more information, visit SylvanLearning.com.

FamilyNow CAPITAL DISTRICT

GENERATIONS TOGETHER

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a monthly publication with timely features for every age and stage of family life.

With Capital District FAMILY NOW, you will find great columns and features to enjoy every month, plus so much more.

Pick up your copy today!

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GENERATIONS TOGETHER

UPCOMING

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continued from Page 4 grateful heart, they shouldn’t be handed everything all the time.

If they want an extra special toy or to go on a special outing, it’s OK to let them know they need to do a few chores or help you out with a few things to earn it.

This helps your child learn that it takes hard work to get things the things you want, things around them aren’t just magically getting done, and it takes hard work to pay for the things we have in our lives.

Do you have any traditions of gratitude that you do with your family? Here are a few ideas I wanted to share with you!

Have everyone write down or draw what they are grateful for.

You can then put it up where everyone can see it to be reminded every day.

Have a grateful jar for the whole month of November.

Every day, everyone writes down one thing they are grateful for and puts it in the jar. On Thanksgiving, everyone takes turns reading them out loud to family and friends.

Some ways to practice gratitude with our families are by reading books about gratitude, saying one to three things every night before bedtime about what you are grateful for, making a meal and cleaning up together, sticking “I love you notes” in your kids’ lunchboxes, telling the people in your life you appreciate them and love them, going on surprise outings

n Snakes

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continued from Page 7

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smaller in size, rarely ever growing more than five feet long, states Reptile Guide. Boas don’t stress easily and can be kept in plastic enclosures to ensure humidity requirements are met.

To advertise in one or more of these issues please call: Denice Mau at 518-439-4940 or email: maud@spotlightnews.com 113091_4

10 Family Now — November 2021

n Parenting

Milk snake For those who desire a brightly colored snake, the milk snake features stripes of red, black and yellow-orange. However,

together, or collecting gently used clothes and toys to donate to families in need.

Remember to show yourself gratitude, too. Studies have shown self-gratitude can reduce stress, anxiety, depression, and build a more satisfying life.

Showing yourself gratitude looks a little like self-care: • Write down, read and say out loud words of affirmation.

• Practice yoga, go on a long walk or exercise.

• Write in a journal.

• Sit outside and listen to your favorite podcast.

• Meet with some friends to laugh.

• Get up a little earlier to enjoy some mindfulness with a cup of coffee.

• Have a dance party.

• Learn a new hobby.

• Do whatever feels good to your soul.

I hope that these tips help you to feel empowered, blessed and to know that, in the good moments and rough moments, there are so many things to be grateful for.

Quoida Lauzon is a Capital District mom and a Registered Nurse who specializes in maternal and infant health, breastfeeding and childbirth education. She teaches classes and coaches new mothers in their pregnancy and “fourth trimester” journey and believes women should thrive, not just survive, motherhood. Connect with her on social media @ nurse.q.lauzon or visit nurseq. com. they are mostly nocturnal and throughout the day the snake will rest and remain hidden, according to Reptile Direct. When they are on the move, milk snakes will try to blend in with their surroundings.

These are just some of the snakes that may be good for beginners. When doing their research, potential snake owners are advised to speak to experts in the trade to learn more about specific species and their care needs.

Fostering to adopt

Family life

There are three important stages of the process

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he process of adopting a child is time-consuming. The National Adoption Foundation, an organization that provides financial assistance to families looking to adopt, notes that adopting a child through foster care is the quickest form of adoption. That process typically occurs in three stages: certification, placement and transition, and severance to adoption.

Certification The NAF notes that the certification process varies by state.

However, state processes share some common characteristics.

For example, parents will be required to commit to training sessions that will help them learn how to care for a child who has

very likely had some traumatic experiences in his or her past.

Certification involves a home study as well. Caseworkers will conduct a home study and then file a final report, which will include a wealth of information about everything from a family’s background, its finances, education and employment histories, daily life routines, and parenting experiences.

Placement and transition Placement and transition is the next step after certification.

In this stage, social workers work to find a child that matches the request of the prospective parents. Once a child is found, he or she will be placed with the parent. This stage of the process will be different for parents de-

pending on their initial requests, and that will inform how the third step of the process goes.

Severance to adoption Some parents request a child whose parental rights have already been severed, which means the child’s biological parents will not have a legal right to get their child back. Adoptive parents who do not submit such a request will be in a foster situation when a match is found. During that period, the biological parents will be informed of certain requirements they will have to meet in order to get their child back. If the parent fails to meet those requirements, the parental rights will be severed, at which point adoptive parents will begin

the transition to adoption.

The adoption process is complicated and unique to each state. The NAF notes that adoption is a six-month process, though that six-month period can be avoided if parents initially fostered the child. Adoption requires licensing whether or not adoptive parents previously fostered the child, and that will require an attorney working on behalf of the adoptive parents.

The process of adopting a child through foster care can be completed in six to 18 months.

Though that may seem like a long time, foster parents should know that the NAF reports the process of adopting a newborn can take anywhere from two to seven years.

Get the word out!

List your local event or meeting in our monthly calendar

Send calendar submissions by the 5th of the previous month to:

Capital District Family Now, Attn: Calendar, P.O. Box 100, Delmar, N.Y. 12054 or Email: robertsk@spotlightnews.com

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GENERATIONS TOGETHER

MAKE SURE THEY’RE IN THE RIGHT CAR SEAT

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Triple Threat

parenting triplets in the Capital District

Facing a world in need

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Privilege provides an opportunity to help refugees

y white privilege – I have written about this before – keeps ricocheting in my mind. When I go somewhere like the grocery store or mall or if I am driving around, I don’t have to worry that I am going to be pulled over or followed because of the color of my skin. I look at what is happening in this country. I see the news and look at the faces in South America and Afghanistan and see unifying emotions: fear, despair and hope.

grateful for anything can be an uphill battle. Olivia, Benjamin and Rebecca have more than some and less than others. I am proud to say that there is a part of them that cannot stomach injustice, and by seeing others in need stirs the desire to help.

For kids who don’t particularly enjoy physical education class, they cannot imagine walking for hundreds of miles.

This month is Thanksgiving, and the challenge is to look at what we have and be grateful. Raising three teens to be

A family leaving Guatemala for the Mexico\United States border is going to travel approximately 1,125 miles on

foot. The massive influx of refugees includes children and babies. I remember what going to the grocery store involved with three kids. I didn’t even attempt to do it solo until the kids were able to walk and follow some directions.

Jennifer Steuer

Remember the last time your family visited the forest? It’s a place of wonder and imagination for the whole family—where stories come to life. And it’s closer than you think. Sounds like it’s time to plan your next visit. Make the forest part of your story today at a local park near you or find one at DiscoverTheForest.org.

12 Family Now — November 2021

The idea of walking 1,125 miles with three toddlers is something I don’t even know how to wrap my mind around. Getting my kids to walk up and down the aisles in a grocery store felt like a million years, a trek over 1,000 miles would have me in tears.

Knowing what kind of life my

kids might be facing would keep us moving.

How can I possibly understand what these families are facing? Approximately 19,000 unaccompanied minors (According to CBS News) made it to the border. My mind can’t even process thoughts of where their families are or what horrible things happened on the way to the border. How desperate are parents when they send their children ahead or without them altogether? Parents want a better life for their children, but when a parent feels desperation like that … decisions are made that people

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My family watches the news together and we all see the same things: families who are afraid of the Taliban. We saw Afghanis pressed against each other trying to get on an airplane that might bring them to a better life. We saw babies handed over walls to U.S. soldiers. My white privilege lets me turn off the television at the end of the day.

After watching the news about our military leaving Afghanistan, I can’t turn off my mind.

The thought that pummels me is simple: We have to help!

n Triple Threat continued from Page 12 with privilege do not understand. I look at my own kids and the tears slip silently from my eyes and I feel a painful squeeze in my heart. Imagining how it would feel to set my kids on a path that is dangerous and that I might never see them again is paralyzing.

My white privilege is as apparent when I consider all that is needed to take a day trip somewhere and compare that to what these families can carry on a trip that can take a month or more. I remember how many diapers one child can go through in a day. Try to wrap your brain around a child, who doesn’t have diapers, formula or extra supplies tucked in a diaper bag. What does this look like as the human caravan walks and walks and walks?

Where do the children sleep?

How afraid are the parents?

I may never know how it feels to walk 1,000 miles or climb into a military aircraft to escape from hardship and terror. What I do know is this: My family will help. I look around at all we have and know I have donations for Refugee and Immigrant Support Services of Emmaus (RISSE).

There are clothes, dishes and items that might help a family start a life in our city. As I was growing up, I learned we

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always had something to help, a lesson that is important for me to teach Olivia, Benjamin and Rebecca. In Judaism helping make the world a better place (Tikkun olam) is one of the pillars of our faith.

Being part of a family and faith that knows every little bit will make a difference. Olivia, Benjamin and Rebecca are learning that they can make a difference even at 13. I am raising my kids to see the big picture and to understand that their actions and words have consequences. Each person can help and know that they are going to make a difference. I am here to show Olivia, Benjamin and Rebecca that they can be part of the change we need in this world.

Refugee and Immigrant Support Services of Emmaus (RISSE) RISSE is located in Emmaus United Methodist Church at 715 Morris St. Albany, NY 12208.

You may enter on the north side where the red ramp is located (Yates Street).

Hours of Operation: MondayFriday, 11 a.m.-7 p.m.

Main Office: (518) 621-1041 E-mail: info@risse-albany.org

Jennifer Steuer is an Albany mom whose busy household includes her husband, Harlan, and 13-year-old triplets Olivia, Benjamin and Rebecca. Follow her on Instagram: jennifersteuer.

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social media /thespot518 @spotnewsfeed @thespot518

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Holidays

Your Thanksgivin The return of Black Friday Though the pandemic is not yet in the rearview mirror, the rollout of a trio of effective vaccines should make it possible for millions of people to celebrate safely this holiday season. A return to normalcy should be welcome news for local retailers, and Black Friday could start the beginning of a busy and lucrative holiday season. Here’s a refresher course on how to get the best Black Friday deals.

Start early. Black Friday may not begin until the day after Thanksgiving, but savvy shoppers know that many retailers post or leak their sales well in advance of the big day. Various websites are devoted to helping consumers find the best Black Friday deals. Consumers can bookmark Black Friday websites and then periodically visit them to learn about the latest deals.

The 2021 Thanksgiving weekend figures to be both busy and unique.

Comparison shop. Getting a head start on Black Friday shopping also affords shoppers a chance to comparison shop.

PriceGrabber.com makes it easy to compare deals from a wide range of retailers on everything from appliances to furniture to pet supplies.

Thanksgiving is on the horizon, and that’s welcome news to people who can’t wait to celebrate the holiday season with their loved ones.

Confirm when stores open. Many retailers abandoned midnight store openings on Black Friday a year ago. Such decisions were made to protect public health and they may remain in place in 2021. Though it might be a family tradition to visit a retailer in the wee small hours of the Black Friday morning, the pandemic has changed the holiday shopping landscape.

Uncertainty spurred by the Delta variant may compel some people to stay home or delay making holiday travel plans. However, a recent survey from the vacation rental site Evolve found that 32 percent of travelers were not factoring the Delta variant into their travel plans at all. That data points to what could be a very unpredictable and busy holiday travel season.

Utilize curbside pickup to avoid crowds. Shoppers who are still nervous about COVID-19 don’t have to sit Black Friday out for the second year in a row. Various retailers started offering curbside pickup during the pandemic and that option has proven so popular that it’s stuck around even after vaccines became widely available.

Prospective travelers can consider these tips as they make plans to travel this Thanksgiving.

Thanksgiving travel tips

Recognize the travel timeline might be different. Remote working has afforded people more flexibility in regard to when they can travel this Thanksgiving. The online travel and bookings experts at Priceline reported in September that the busiest travel day for Thanksgiving at that point was Monday, November 15. A return to in person learning may limit families’ ability to travel so early, but travelers who can work remotely and don’t have to take school into consideration should recognize that the travel timeline has changed. That could make booking early flights more difficult and expensive.

Pack light. Travelers who intend to fly this Thanksgiving may want to avoid checking any luggage. Baggage fees can be expensive and staffing shortages can lead to confusion and last-minute cancellations, which may increase the likelihood that travelers’ luggage is lost or temporarily misplaced.

Shoppers may benefit from a refresher course on how to get the best Black Friday deals.

14 Family Now — November 2021

Check the weather forecast. Those who intend to fly may not have much flexibility, but it still pays to know the forecast. If a storm is coming, air travelers can give themselves extra time to get to the airport or even book rooms at airport hotels so they won’t have to drive to the airport during a storm.

Holidays

ng survival guide Simplify holiday entertaining Thanksgiving is a food- and tradition-centric holiday, and all eyes are typically on the dinner table. Pulling off a feast of this magnitude with multiple courses, side dishes and desserts takes considerable effort. These tips, tricks and timesavers can be a Thanksgiving host’s saving grace.

Pick the menu early. Decide what you’ll be cooking in addition to turkey several weeks before the big day. Select two or three side dishes that can be prepared in advance and then reheated. These can include a baked macaroni-and-cheese casserole, mashed potatoes, roasted vegetables, and a cornbread stuffing.

Brine your bird. No one wants a dry turkey, but unfortunately this lean poultry can dry out easily. Meats typically lose about 30 percent of their weight during cooking. However, by soaking the turkey in a brine prior to cooking it, you can reduce this moisture loss to as little as 15 percent. A simple salted water soak also can work.

Start prep work a few days before Thanksgiving. Take some stress out of Thanksgiving by cutting all vegetables and/or preparing some dishes a few days early. Label and organize prepared ingredients by recipe and store in the refrigerator. Make extra room in the fridge by removing nonessential items and placing them in a cooler with ice and cleaning out any old food or condiments.

Plan your table settings and label which bowls and other serving dishes will be used for which items.

Serve batched cocktails. It can be challenging and expensive to have a full bar for guests. Mulled wine, hot cider (like the recipe on Page 17 of this issue) and punches are ideal ways to serve a crowd.

Create simple centerpieces. Use seasonal sights for your centerpieces or place settings. These can include small squashes, gourds, citrus fruits, nuts, or acorns. A hollowed-out pumpkin filled with fresh flowers also can be eye-catching.

These timesaving tricks can be a Thanksgiving host’s saving grace.

These tasty Mini Cheese Ball Bites will get your Thanksgiving feast started off just right.

Festive app to satisfy guests Even though the turkey and side dishes are the crowning achievements on Thanksgiving, hungry guests will need something to tide them over until the feast is ready. Bite-sized appetizers that are tasty yet not too filling can fit the bill.

Charcuterie boards and tasting menus continue to be all the rage. In addition to a platter of fruit slices, figs, aged cheeses and crostini, treat guests to these Mini Cheese Ball Bites, recipe courtesy of “Spectacular Spreads: 50 Amazing Food Spreads for Any Occasion” (Rock Point) by Meagan Brown.

Mini Cheese Ball Bites Makes 12

8 ounces light cream cheese, softened 1 cup shredded sharp cheddar cheese 3 tablespoons drained, chopped pimentos 1 teaspoon garlic powder 1 teaspoon paprika Pinch kosher salt Pinch freshly ground black pepper 1/2 cup crushed pecans 1/4 cup chopped chives 12 pretzel sticks In a large bowl, stir together the cream cheese, cheddar, pimentos, garlic powder, paprika, salt and pepper until well combined. Cover and refrigerate for at least 30 minutes.

Place the crushed pecans and chives in a small bowl. Set aside. Roll the cheese mixture into twelve 1-inch balls. Evenly coat each ball with the pecanchive mixture. Press a pretzel stick into the top of each cheese ball just before serving. Serve at room temperature or chilled.

November 2021 — cdFamilyNow.com 15

Puzzle Answers on Page 22

Clues Across 1. Flat-topped hill 5. Fire usually accompanies it 10. Talked 12. Skillset 14. Unembarrassed 16. Where teens spend their days 18. Boxing’s GOAT 19. Used to anoint 20. Rust fungi 22. Panthers’ signal caller 23. Forests have lots of them 25. Lentils 26. One’s self-esteem 27. Where you entered the world (abbr.)

28. High school test 30. Large, flightless bird 31. Expectorated 33. Some practice it 35. Prickly shrub

37. French river 38. Told on 40. Steep hillside 41. Peyton’s little brother 42. Soviet Socialist Republic 44. Welsh river 45. Witness 48. Brews 50. Orange-brown 52. Separates DNA and RNA 53. Mexican agave 55. Self-contained aircraft unit 56. Encourage 57. Atomic #52 (abbr.)

58. About latitude 63. Trivial gadget 65. Film a scene again 66. Small blisters 67. Dark brown

Clues Down

Crypto f un

1. Advanced degree 2. Goes with flow 3. The Caspian is one 4. Accumulate on the surface of 5. Vascular systems or plants 6. A popular kids magazine 7. __ podrida: spicy Spanish stew 8. Vandalized a car 9. Prefix meaning “within” 10. Soviet labor camp system 11. Strong hostilities 13. B complex vitamin 15. Go quickly 17. Toast 18. A team’s best pitcher 21. A Philly culinary special 23. Small child 24. Unhappy 27. Trims by cutting

29. Weepy 32. It might be on the back 34. Spy organization 35. Female body part 36. Came back from behind 39. Fall back or spring forward 40. Famed traveling journalist 43. Where the current is fast 44. Withstand 46. A Philly football player 47. Records brain activity 49. Aromatic powder 51. Circular panpipe 54. Ship as cargo 59. Bar bill 60. Adult female 61. OJ trial judge 62. One’s grandmother 64. Hot, massive star

Thanksgiving Word Search

Solve the code to discover words related to baking.

Each number corresponds to a letter. (Hint: 15 = L)

16 Family Now — November 2021

Autumn bread casserole cornucopia

gravy cranberry mayflower fall november family pecan pie grateful

pilgrims plymouth potatoes pumpkin pie

thankful thanksgiving thursday turkey

Comfort food

Cider to warm and wow

Food might be a focal point, but guests also will need something to drink. Traditional spirits like wine and cocktails are the standard, but hosts who want to get a little creative should not hesitate to do so. When choosing a special beverage, timing is everything. When hosting on nights when the mercury has dropped, a warm beverage can heat up guests in a matter of minutes. On such nights, hosts can serve this version of Hot Mulled (Sherried) Apple Cider courtesy of Laurey Masterton’s “The Fresh Honey Cookbook” (Storey).

One added benefit to Masterton’s recipe is it can produce a welcoming winter aroma, helping hosts establish a warm ambiance for the festivities.

Hot Mulled (Sherried) Apple Cider Serves 16

1 gallon apple cider 1 orange, unpeeled, cut into slices 1/4 cup whole cloves4 sticks cinnamon 1/4 cup honey, preferably cranberry honey 1 cup sherry (optional) Combine the cider, orange slices, cloves, cinnamon and honey in a large pot over medium heat. If you are picky about things floating in your cider, make a little bundle out of cheesecloth and place the cinnamon and cloves inside before adding to the cider. I like to chew on cloves, so I just toss everything in.

Bring to a boil, and then reduce to a simmer over low heat for an hour or so to spread these

lovely winter aromas around your home.

If you’re serving it to adults, add the sherry. It might make everyone want to go sledding!

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hen hosting friends and family at home, it’s understandable that hosts direct so much of their focus to the foods they plan to serve.

The main course is often the focal point and most memorable aspect of a dinner party, and that’s true whether the get-together is a backyard barbecue, a holiday meal with the family or a formal affair with colleagues.

TDD RELAY 711

Glenvilleterrace@belmontmgmt.com November 2021 — cdFamilyNow.com 17

Recollections

Cards a snapshot of yesteryear

Atop a collection of names that include Walter Payton, Lawrence Taylor and Michael Singletary is a picture of Paul Younger. Tank looks like a Marvel comic book character on the front of his 1951 Bowman.

The picture captures him biting down on his lower lip as he bounds through the air with billowy clouds floating behind him against a baby blue sky. There’s even an American Flag waving in the background. It’s so Star-

Spangled Spectacular.

I’ve already confessed my penchant for baseball card shopping over the internet. A few readers later shared their favorite brick-and-mortar shops to visit — Finnigan’s Sportscards is a cozy little escape if you ever want to get by wrapped up in a conversation. But with a young kid at home, I’m still extra cautious and haven’t yet returned. Jeff has a storefront on eBay. What compelled me to buy Paul Younger was the artwork.

The composition was too much to pass by. Like a good newspaper or magazine, the picture on the front whet my curiosity.

Younger’s days in the sun waned

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Since rekindling my journalism career, I admit to hoarding magazines of all sorts from our grocery store. I’m the guy picking up the women’s magazine admiring the typography and layout design — I know, that’s a new one, right? It’s an occupational hazard developing an obsession over how your competition engages with its readers through word choice; evaluating

Michael Hallisey

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long before my awareness of the game. I read up on his college days as a bruising running back at Grambling, and was further impressed that he went from being an undrafted free agent to the first black player to play in an NFL All-Star Game.

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the photography, critiquing the tricks they employ to draw the reader’s eye through the page, and what kind of feel the editor captures with the overall design.

Sports cards companies have the same intent as any newsprint executive. Aesthetics are just as important as content. If you don’t dress it well, no one is going to pick it up.

Old cards are a treat. Players like Younger allow for fans like me to learn more about the game. Stars such as Glenn Davis and Charlie “Choo Choo” Justice were household names generations ago, but are now lost to all but the trivia buffs and diehard fans. Because of that, the lack of demand keeps prices

Continued on Page 19

Hearing Aid Users: One of Bethlehem’s

best-kept secrets…

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nderneath my home computer monitor stands a growing pile of football cards.

My fancy for sports cards swings back and forth between baseball and football, and the autumn wind has turned toward the heroes of the gridiron.

and open even during the pandemic plaza Ear • Glenmont 518-453-1250

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GENERATIONS TOGETHER

Be sure to visit our website…

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18 Family Now — November 2021

n Recollections continued from Page 18 low enough for me to appease my wife.

Hobbyists seek out early Bowman sets because they are attractive cards that captured the heroes of the Golden Era of sports. This is the same company that produced the highly sought 1951 Mickey Mantle rookie card. Jacob Warren Bowman, the owner and founder of the company, immortalized athletes through cardboard art.

Color photography was expensive and relatively time consuming in 1951. Bowman had a workaround. His company used black-and-white photographs that were later colorized.

Vibrant colors framed around a white border was everything to which a young kid was attracted.

It had that look that would get someone to pick it up.

The stories on the back were just as compelling. Statistics were captured through prose crushed within a rectangle just

The cards pictured here are from the author’s collection, originally produced by Bowman Gum Company. over 2-by-3 inches, placing his accomplishments in context with the times. Sports have changed to such a degree that the significance behind numbers from the past are lost to today’s fans. Art Weiner and Barney Poole played professionally as members of the New York Yank(ee)s. The two ends (wide receivers, today) once shared the college record for most recep-

tions in a season at 52. That benchmark is now 158, but to read the backs of these cards makes their accomplishments all the more impressive.

As fascinating as today’s sports photography is, capturing every bit of detail that encapsulates the incredible athleticism players possess to play the game, I’m drawn to these one-panel comic strips from

Bowman. Captain America once played for the Los Angeles Rams and you can’t convince me any different because I have his card to prove it. Best of all, I share these stories with my son, who has since developed a fandom for some guy named “Crazy Legs.”

The writer is editor-at-large for FamilyNow and managing editor of The Spotlight.

T hanksgivingW ishes from the staff at

FamilyNow CAPITAL DISTRICT

GENERATIONS TOGETHER

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November 2021 — cdFamilyNow.com 19

Senior Centers The Center at CSSC 6 Winners Circle, Albany (518) 459-2857, ext. 327; cbarrett@colonieseniors.org Membership is $20 per year.

Price below are for members/notyet-members.

Fitness classes Seated Tai Chi: Eight Mondays at 10:30 a.m. starting Nov. 1, $40/45 Tai Chi for Back Pain: Eight Tuesday sat 2 p.m. starting Nov. 9, $40/$45 Yoga for Increased Mobility: Seven Thursdays at 10 a.m., starting Nov. 4, $42/$50 Beginner, Intermediate, Advanced Tap Classes: 9 Wednesdays at 11:15 a.m., 12:15 p.m., 1 p.m., starting Nov. 3, $55/$65 Santa’s Workout Challenge: Four Wednesdays at 1 p.m. starting Dec. 1, $25/$32 Trips and travel events

Learning The Experience of Aging: Nov. 10, 17, 22 and 29 at 10 a.m., free for members

Friday, Nov. 5 at 1 p.m.: Beginner Waltz Class

Open Studio: Tuesdays at 10 a.m.

Learn the basic moves and elements to dance around the floor to beautiful music. Masks and gloves will be provided.

Bingo: Wednesdays at 1 p.m.

Bridge: Tuesdays at 1 p.m.

Book Club: Third Monday of the month at 1 p.m.

Knitting: Saturday and Monday at 10 a.m., Fridays at 1:30 p.m.

Monday Movies: 2 p.m., call for schedules

LifePath 28 Colvin Ave., Suite 2, Albany www.lifepathny.org; (518) 465-3322 Supportive services for older adults. To register: www.lifepathny.org/activities; (518) 465-3322 Monday, Nov. 1, 8, 15, 22 and 29 at 10 a.m.: Morning Meditation

Hands On Cooking Class at Honest Weight Co-op: Nov. 17 at 10:30 a.m., $8/$12

Focus on the right now, and gain an awareness of your feelings, sensations and emotions.

Practice relieving stress and start of your Monday mornings with peaceful group meditation.

New York Writer’s Association, Conversation with William Kennedy and Russell Banks: Nov. 30 at 6:30 p.m., $5/$10 Arts and Music Flower Pounding: Nov. 23 at 10 a.m., free for members Acrylic Painting Workshop: Date TBD Quill Ornament: Dec. 8 at 10 a.m., free for members More Drumming 101: Nov. 5 and 19, at 10 a.m., $45/$55 Paint Your Own Ceramic Ornaments: Nov. 24 at 2 p.m., $25/$30 Rubber Stamping Art: Nov. 16 at 4 p.m., $10/$15

Location: Cohoes Senior Center or via Zoom

Club Events at The Beltrone (free for members)

Tour of Empire State Aerospace Museum: Nov. 10 at 12:45 p.m., $15/$25

Tour the Adirondack Research Library: Nov. 22 at 10:30, $5/$10

not required. Sponsored by CDPHP.

Location: Watervliet Senior Center or via Zoom Tuesday, Nov. 2 at 10 a.m.: Art History Learn about the History of Art and its relevance. Our Speaker, Nadjim attends St. John’s University and is an art lover/historian.

Location: Watervliet Senior Center via Virtual Senior Center online Thursday, Nov. 4 and 18 at 2 p.m.: Seated Tai Chi with Cheryl Herd Stretch your body through a series of movements designed to improve your alignment and release stress. No experience required. Registration preferred,

20 Family Now — November 2021

Location: Watervliet Senior Center Monday, Nov. 8 at 12:30 p.m.: Travel Log: The White House (Tour and History) Join us as we explore one of the most historically iconic homes in America.

Location: Watervliet Senior Center or via Zoom.

Tuesday, Nov. 9 at 10 am: Virtual Senior Center (VSC) Tour Take a tour of the wonderful “Virtual Senior Center” program with your LifePath Coordinator, Tim Frost. See why it’s becoming one of the largest communities of older adults in the world.

Support the LifePath mission and order a delicious Spaghetti and Meatball Dinner to raise funds for the Watervliet Senior Center. Visit www.lifepathny. org/spaghettidinner to reserve your meal.

Location: Watervliet Senior Center Friday, Nov. 12 and 19 at 3 p.m. (Two-Session Series): Play Reading Club: “A Company of Wayward Saints” Join us as a reader or member of the audience as we find out how this comedic troupe of actors puts on a play to finance their way home.

Location: Watervliet Senior Center or via Zoom Monday, Nov. 15 and 29 at 1 p.m.: Seated Tap and Jazz Class Learn tap and jazz foot moves while staying safely seated on a chair. Guaranteed to make you smile (and maybe sweat a little, too).

Location: Watervliet Senior Center or via Zoom

Location: Watervliet Senior Center

Tuesday, Nov. 16 at 12 p.m.: Thanksgiving Lunch

Tuesday, Nov. 9 at 3 p.m.: Recognizing Grief Throughout Life’s Transitions (Session 4): Facing Serious Illness

Join us for a delicious Thanksgiving Lunch. The doors will open at 11:30 a.m. and meals served at noon. Please be sure to sign up for a lunch at least one day before the lunch by 1 p.m. by calling (518) 273-4422.

In this session, we will explore steps to take when facing a serious illness. How can emotions be managed to navigate through obtaining needed services?

Location: via Zoom Wednesday, Nov. 10 at 1 p.m.: BINGO

Location: Watervliet Senior Center Friday, Nov. 19 at 10 a.m.: Cooking Demo with Kristyn Bopp

Join our mystery celebrity host as they pull the numbers for an hour of BINGO fun.

Crazy T, Round Robin, Letter X, Kite, Birthday Cake, Coverall and more.

Join Chef Kristyn to learn new tips and tricks for safe food preparation and healthy cooking.

Location: Watervliet Senior Center or via Zoom

Monday, Nov. 22 at 1 p.m.: Virtual Senior Center (VSC) Tour

Wednesday, Nov. 10 at 4:30 p.m.-6:30 p.m.: Spaghetti and Meatball Drive-Through Fundraiser

Location: Cohoes Senior Center via Zoom

Take a tour of the wonderful “Virtual Senior Center”

Continued on Page 21

Senior Centers

Monday, Nov. 22 at 1 p.m.: LifePath Book Club: “Where the Crawdads Sing” Discuss this poignant story of a young woman’s journey to survive after her parents abandon her in the marshes of North Carolina.

Location: Cohoes Senior Center or via Zoom Tuesday, Nov. 23 at 10 am: Card Making Create beautiful holiday cards with the help of talented card makers, Sheila and Patti. Registration required.

Location: Cohoes Senior Center or via Zoom Tuesday, Nov. 30 at 10:30 am-noon (five-part series): Memoir Writing Class with Paul Lamar We’ll discuss the challenges of writing about ourselves, read some good examples, and write short essays about our lives.

Registration required. Sponsored

by Albany County Department for Aging.

Location: Watervliet Senior Center or via Zoom

Niskayuna Senior Center 2682 Aqueduct Road, Niskayuna (518) 372-4969 Additional information along with the calendar will be posted on the Niskayuna Town website at www.niskayuna.org/senior-center. *Denotes registration or possible additional fee. Please note that all details are subject to change. Call with any questions or concerns.

Dates for Exercise Classes scheduled inside are only tentative, and subject to change.

Tuesdays • 9 a.m.-noon: Tom’s Computer

The Capital District’s leading provider for Direct Cremation, Urns and Memorial Services with over 40 years experience to bring it all together.

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St. Sophia & Holy Wisdom Apartments

• 10 a.m.-2 p.m.: Open for indoor/outdoor socialization/ coffee service • 10 a.m.: Cards, Bridge, Bocce avail • Noon: Gershon’s, BYOL and coffee service • 1 p.m.: The Eddy Health Alert Chair Yoga, in house and via Zoom (Nov. 14 and 18) Fridays • 11 a.m. Alzheimer’s Assoc.

Caregiver’s Group (first Friday of each month) • 11 a.m.: CDPHP Chair Pilates, Zoom only (Nov. 5, 12 and 19) Exercise Update

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• Mondays at 11 a.m.: CDPHP Zumba Gold, in house and via Zoom (Nov. 1, 8, 15 and 22) • Wednesdays at 11 a.m.: SilverSneakers Zumba Gold, Zoom only (Nov. 3, 10, 17, 24) Monthly Activities • Nov. 9 at 12:30: Speaker is a nutrition educator from Cornell Cooperative Extension • Nov. 9 at 6:30 p.m.: Beginner Mahjongg • Nov. 11 at 12:30 p.m.: Veterans Day discussion and Arts and Crafts with Edie • Nov. 16 at 12:30 p.m.: Special Treat/Medicare Resource Consultant Lecture • Nov. 23 at 12:30 p.m.: Thanksgiving Discussion, Passthe-Pumpkin • Nov. 23 at 1 p.m.: Family Feud Game • Nov. 25 and 26: Closed

Roy F. Bordeau

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Location: Watervliet Senior Center

Serving the entire Capital District

115761_4

program with your LifePath Coordinator, Tim Frost. See why it’s becoming one of the largest communities of older adults in the world.

Class (first and third Tuesday of the month) • 10 a.m.: Tai Chi • 10 a.m.-2 p.m.: Open for indoor/outdoor socialization/ coffee service • 10 a.m.: Cards, Mahjong, Bridge, Bocce avail • Noon: Gershon’s, BYOL and coffee service • 1 p.m.: MVP Zoom Chair Moves, in house and via Zoom (Nov. 2, 9 and 16) Thursdays

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continued from Page 20

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room, Fitness room, Library/computer room For more information please call 518-952-6314 or stop by the Rental office for an application

November 2021 — cdFamilyNow.com 21

Social Security Corner

Medicare Part B online

D

id you know you can sign up for Medicare Part B online? If you’re enrolled in Medicare Part A and want to enroll in Part B during the Special Enrollment Period, visit the Medicare web page at www.ssa.gov/benefits/ medicare.

From there, you can enroll in Part B by completing these forms: CMS-40B (Application for Enrollment in Medicare – Part B [Medical Insurance]) and CMS-L564 (Request for Employment Information).

for your local office at www. ssa.gov/locator. Please contact Social Security at 1-800-7721213 (TTY 1-800-325-0778) if you have any questions.

When completing the forms: State, “I want Part B coverage to begin (MM/YY)” in the remarks section of the CMS-40B form or online application.

uploading it from a saved document on your computer: Income tax returns that show health insurance premiums paid.

W-2s reflecting pre-tax medical contributions.

by

health Elizabeth reflect insurance premium deductions.

Pivonka Home is Where You’ll Find Us

If your employer is unable to complete Section B, please complete that portion as best you can on You can also fax or mail the behalf of yourFind employer Home is Where You’ll Us withCMS-40B and CMS-L564 out your employer’s signature. to your local Social Security office to enroll. You can find Submit one of the following the fax number and address types of secondary evidence by

Pay stubs that

Health insurance cards with a policy effective date.

Explanations of benefits paid by the Group Health Plan or Large Group Health Plan.

Statements or receipts that

Online options make it easy to sign up for Medicare Part B from home. reflect payment of health insurance premiums.

Please let your friends and loved ones know about this online, mail or fax option.

The writer is with the Social Security Administration in Albany, New York.

* u Our aides and companions u Our aides and will keep you safe at home

u Skilled nursing

and rehab therapy in the comfort of f you would like to home showcase special (518) 489-2681 (518) 694-9907 events in our vnaalbany.org vnhc.com u Skilled nursing and rehab u Skilled nursing u Our aides and monthly publication, therapy in the comfort of home and rehab therapy companions will (518) 489-2681 • vnaalbany.org The Perfect Balance of Healing & send Homethem to us Please in the comfort of keep you safe by the 5th of the month home & Home atPerfect home Balance of Healing The preceding publication.* (518) 489-2681 (518) 694-9907

vnaalbany.org

brainteasers Answers vnhc.com

I

The Perfect Balance of Healing & Home

Crpyto Answers:

A. flour B. sugar C. salt D. oven

MO

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FamilyNow CAPITAL DISTRICT

GENERATIONS TOGETHER

Email to: Kristen Roberts at robertsk@spotlightnews.com *Based on space availability

22 Family Now — November 2021

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companions will (518) 694-9907 • vnhc.com keep you safe at home

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*

Join us for our VIRTUAL

TOOLS FOR CAREGIVERS ~ Resources You Can Use When a Senior Relies on You ~

Featuring 3 educational presentations via ZOOM plus a Caregiver’s Care Package for you to pick up!

(RSVP by Nov. 2nd)

PRESENTATION #3

PRESENTATION #2

Starting the Conversation on Senior Housing Options Friday, November 19th 9:30am – 10:30am ZOOM

Understanding the Acronyms in the World of Senior Services Friday, November 12th 9:30am – 10:30am ZOOM

(RSVP by Nov. 17th)

(RSVP by Nov. 10th)

Caregiver Care Package Pickup: Friday, November 19th • 12noon-1:30pm at one of three locations (Rensselaer, Albany and Schenectady Counties).

You may register for any or all of the four events.

Registration for Care Package Pickup deadline is November 1st.

Registration for ALL events is required by calling Angela at 518-279-5502 or via email at crccreg@gmail.com.

This senior caregiver event is made possible through the generous support of our sponsors:

114840_4

PRESENTATION #1

Still Holding On: Available Resources for You & Your Caregiver During COVID-19 & Beyond Thursday, November 4th 9:30am–10:30am ZOOM

For more information, visit:

www.capitalregioncaregiver.com

Belmont Management Co., Inc. was formed in 1975 and in 1980, we began to offer our management services to other property owners. Since that time the company has grown to 76 apartment communities across New York State.

Because we own and manage, we understand both ends of property management and treat every property individually with the attention that only an owner would provide.

Ballston Pines 518-884-9401 - located in Ballston Spa Brandle Woods 518-861-8809 - located in Altamont Cambridge Square 518-677-2920 - located in Cambridge Schuylerville Manor - 518-695-4865 - located in Schuylerville Eligibility: age 62 & over or disabled any age - Income Eligible

Cambridge Woods 518-677-5584 - located in Cambridge Milton Village 518-884-9767 • Trieble Village 518-885-6997 - located in Ballston Spa Glenville Terrace 518-399-2696 and Highland Square 518-399-6481 - located in Glenville Kirby Village 518-583-4608 and Saratoga West 518-581-9738 - located in Saratoga Springs Malta Meadows 518-899-1552 - located in Ballston Lake Marina Woods 518-348-0213 - located in Halfmoon Wheelchair Eligibility: age 62 & over - Income Eligible Accessible 1 bedroom apartments include: Carpeting, Appliances, Heat, Hot water, Coin Operated Laundry, Trash Pick up, Off Street Parking, Community Room, Pet Friendly. Inquire with specific properties for Section 8 acceptance.

Visit our website at www.BelmontMgmt.com for details on each property.

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November 2021 — cdFamilyNow.com 23

CDPHP Makes Choosing the Right Medicare Plan Easy ®

Open enrollment for Medicare Advantage is October 15, 2021 through December 7, 2021.

CDPHP Medicare highlights: f 5 Star Medicare Advantage plans*—enroll anytime during the year! f 30 hours of support services providing companionship, transportation, help with house needs and technology. f HMO and PPO plans available for as little as $0. f Up to $50 in CVS Health brand over-the-counter (OTC) items with some plans. f Save on hearing coverage with plans that offer hearing aid copays as low as $199. f Take advantage of vision and dental benefits with some plans offering enhanced dental coverage.

We’ll help you find the plan that works best for you.

Call (518) 641-3400 or 1-888-519-4455 (TTY 711).†

Visit CDPHP on the web at www.cdphp.com/medicare. *CDPHP Medicare Advantage plans received 5 out of 5 Stars overall from Medicare. (2022) Every year, Medicare evaluates plans based on a 5-star rating system. †

Our hours are 8 a.m. - 8 p.m. seven days a week from October 1 - March 31. From April 1 - September 30, Monday – Friday, our hours are 8 a.m. - 8 p.m. A voice messaging service is used weekends, after-hours, and federal holidays. Calls will be returned within one business day.

CDPHP is an HMO and a PPO with a Medicare contract. Enrollment in CDPHP Medicare Advantage depends on contract renewal.

Capital District Physicians’ Health Plan, Inc. | CDPHP Universal Benefits,® Inc.

24 Family Now — November 2021

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