How To Find Affordable Health Insurance In Florida
For Those Under 65 Let BCT take
My name is Carol Foley, and I am a licensed insurance agent and small business benefits counselor with over 25 years of experience. Our offices are conveniently located right here in Hallandale. The best part – Our services come at no cost to you. We can assist you with health insurance, dental, vision, life, disability and long-term care policies. Our offices are open 7 days a week during open enrollment, staffed from 8am-8pm. We are also happy to come to your residence if you prefer a home consultation.
Finding affordable health insurance can seem complicated, but there are several strategies you can use to make the process easier:
1. Use the Health Insurance Marketplace: Open enrollment is from Nov. 1 – Jan. 15, 2025. The federal marketplace (HealthCare.gov) and offer many
2. Compare Plans: Use comparison tools to examine different plans and their costs. Consider premiums, deductibles, co-pays, and outof-pocket maximums to find a plan that fits your needs and budget.
3. Check for Medicaid or CHIP: If your income is below a certain level, you might qualify for Medicaid or the Children’s Health Insurance Program (CHIP), which offer low-cost or free health insurance.
By Joyce R. Forchion
erage. They can be a great option if you need coverage in between other plans.
5. Health Care Sharing Plans: These plans have much lower premiums and deductibles, and flexible networks. Great solution for those not eligible for tax credits.
6. Consider Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs): If you choose a highdeductible health plan, you might be able to use an HSA or FSA to save on taxes and cover some medical expenses with pre-tax dollars.
7. Consult a Broker: Insurance brokers can help you understand your options and find a plan that fits your needs. They can also help you with the plans, and you may qualify for tax credits based on household income. Four out of five customers on HealthCare.gov were able to find plans for $100 or less per month after subsidies.
4. Look into Short-Term Plans: Short-term health insurance plans are generally lower cost, but they often offer limited cov-
Broward County Transit Mechanic Honored as First Runner-Up for Bus Technician of the Year
Broward County Transit (BCT)
is thrilled to announce that Cesar Perez, a dedicated member of its maintenance team, has been named First Runner-Up for the prestigious Bus Technician of the Year Award by the Florida Public Transit Association (FPTA). A seasoned professional with nine years of experience, Perez has consistently demonstrated exceptional technical skills and an unwavering commitment to excellence. His expertise has been instrumental in ensuring the reliability and safety of BCT’s bus fleet, making a significant difference in the lives of Broward
County residents.
“Perez’s dedication to excellence is an inspiration to all of us at BCT,” said Coree Cuff Lonergan, General Manager/CEO of Broward County Transit. “His technical prowess and unwavering commitment to our fleet are essential to providing the highquality service our community deserves.”
This achievement reflects not only Perez’s individual efforts but also the collective dedication of BCT’s entire maintenance team. Their hard work and commitment to excellence ensure the smooth operation of Broward County’s public transportation system.
By maintaining a fleet that residents can rely on, BCT continues to enhance the overall transportation experience in the region, supporting mobility and growth.
Ribbon Cutting from left to right: Polina Dibrova (Chiropractic Assistant), Hazel Hernandez (PR Manager), Dr. Joseph A. Amunategui II, D.C., Dr. Alan Khiger, D.C.(Founder & CEO of Amazing Spine Care), Irina Khiger (COO & Dr. Khiger’s Wife), Denisse Garcia (Marketing Director), Joseph Fiore (Hallandale Beach Office Supervisor)
Hallandale Beach is setting a precedent for delivering quality intergenerational healthcare innovations that cater to the varied needs, preferences, and budgets of its patients. Recognized for its sprawling Intracoastal Waterways, multicultural neighborhood dining haunts, mixed-use Infrastructure and prime real estate, the city is cultivating its reputation for offering access to excellence in chiropractic care after announcing an unprecedented merger between two of Florida’s most formidable chiropractic offices. Chiropractic,
On Thursday, September 12th, 2024, a ribbon cutting ceremony marked the official grand opening of Amazing Spine Care’s first South Florida location, signaling the launch of its seventh Florida-based office branching out from its established offices in Jacksonville, St. Augustine, and Orange Park. The event also signified the rebranding of Amunategui Chiropractic Care, the family-owned mainstay in Hallandale Beach known for demonstrating best practices in the preventive medical industry for over 50 years. The Amazing Spine Care team recently moved into Amunategui Chiropractic Care’s medical office located at 1025 East Hallandale Beach Boulevard, which has served as the headquarters for Dr. Joseph Amunategui II’s popular practice for the past 30 years. This new chapter for Dr. Amunategui, inarguably one of Hallandale Beach’s most respected community pillars, offers a wealth of
About Broward County Transit (BCT): Broward County Transit (BCT) is the second largest transit agency in Florida and provides safe, reliable, and economical bus transportation services through fixed routes, express lines, community shuttles, and paratransit options. BCT operates across a 410 square mile area, connecting Broward, Miami, and Palm Beach counties every day of the week, including holidays. For more information about BCT, trip planning assistance, and schedules, visit the
By: Launa Carbonell and Jose Paz
By Carol Foley, Licensed Insurance Agent and Senior Medicare Specialist
Working with
Cesar Perez – First Runner-Up, Bus Mechanic of the Year
and their ability to pay.
“It’s on our minds a whole lot because of our age and because everything keeps getting more expensive,” said Connie Colyer, 68, of Pleasureville, Kentucky. She’s a retired forklift operator who has Lung Disease and High Blood Pressure. Her husband, James, 70, drives a dump truck and has a potentially dangerous Irregular Heart Rhythm.
Tens of millions of seniors are similarly anxious about being able to afford health care because of its expense and rising costs for housing, food, and other essentials. A new wave of research highlights the reach of these anxieties. When the University of Michigan’s National Poll on Healthy Aging asked people 50 and older about 26 health-related issues, their top three areas of concern had to do with costs: of medical care in general, of longterm care, and of prescription drugs. More than half of 3,300 people surveyed in February and March reported being “very concerned” about these issues.
In fact, five of the top 10 issues identified as very concerning were costrelated. Beyond the top three, people cited the cost of Health Insurance and Medicare (52%), and the cost of Dental Care (45%). Financial scams and fraud came in fourth place (53% very concerned). Of much less concern were issues that received considerable attention, including social isolation, obesity, and age discrimination.
In an election year, “our poll sends a very clear message that older adults are worried about the cost of Healthcare and will be looking to candidates to discuss what they have done or plan to do to contain those costs,” said John Ayanian, Director of the University of Michigan’s Institute for Healthcare Policy and Innovation.
Older adults have good reason to worry. One in 10 seniors (about 6 million
Even though inflation has moderated since its 2022 peak, prices haven’t come down, putting a strain on seniors living on fixed incomes.
Meanwhile, traditional Medicare doesn’t cover several services that millions of older adults need, such as Dental Care, Vision Care, or help at home from aides. While private Medicare Advantage plans offer some coverage for these services, benefits are frequently limited.
All of this contributes to a Healthcare affordability squeeze for older adults. Recently published research from the Commonwealth Fund’s 2023 Health Care Affordability Survey found that nearly a third of people 65 or older reported difficulty paying for Healthcare expenses, including premiums for Medicare, Medications, and expenses associated with receiving Medical Services.
One in 7 older adults reported spending a quarter or more of their average monthly budget on health care; 44% spent between 10% and 24%. Seventeen percent said they or a family member had forgone needed care in the past year for financial reasons.
The Colyers in Pleasureville are among them. Both need new dentures and eyeglasses, but they can’t afford to pay thousands of dollars out-of-pocket, Connie said.
“As the cost of living rises for basic necessities, it’s more difficult for lowerincome and middle-income Medicare beneficiaries to afford the health care they need,” said Gretchen Jacobson, Vice President of the Medicare program at the Commonwealth Fund. Similarly, “when health care costs rise, it’s more difficult to afford basic necessities.”
This is especially worrisome because older adults are more prone to illness and disability than younger adults, resulting in a greater need for care and higher expenses. In 2022, seniors on Medicare
Assisted Living or Long-Term stays in nursing homes, which Medicare also doesn’t cover. According to Genworth’s latest survey, the median annual cost of a semi private room in a Nursing Home was $104,000 in 2023, while Assisted Living came to $64,200, and a year’s worth of services from Home-Health Aides cost $75,500.
Many older adults simply can’t afford to pay for these long-term care options or other major medical expenses out-ofpocket.
“Seventeen million older adults have incomes below 200% of the federal poverty level,” said Tricia Neuman, Executive Director of the Program on Medicare Policy for KFF. (That’s $30,120 for a single-person household in 2024; $40,880 for a two-person household.) “For people living on that income, the risk of a major expense is very scary.”
How to deal with unanticipated expenses in the future is a question that haunts Connie Colyer. Her monthly premiums for Medicare Parts B and D, and a Medigap Supplemental Policy come to nearly $468, or 42% of her $1,121 monthly income from Social Security.
With a home mortgage of $523 a month, and more than $150 in monthly copayments for her inhalers and her husband’s heart medications, “we wouldn’t make it if my husband wasn’t still working,” she told me. (James’ monthly Social Security payment is $1,378. His premiums are similar to Connie’s and his income fluctuates based on the weather. In the first five months of this year, it approached $10,000, Connie told me.)
The couple makes too much to qualify for programs that help older adults afford Medicare out-of-pocket costs. As many as 6 million people are eligible but not enrolled in these Medicare Savings Programs. Those with very low incomes may also qualify for dual coverage by
Medicaid and Medicare or other types of assistance with household costs, such as
Older adults can check their eligibility for these and other programs by contacting their local Area Agency on Agency, State Health Insurance Assistance Program, or benefits enrollment center. Enter your ZIP code at the Eldercare Locator and these and other organizations helping seniors locally will come up.
Persuading older adults to step forward and ask for help often isn’t easy. Angela Zeek, Health and Government Benefits Manager at Legal Aid of the Bluegrass in Kentucky, said many seniors in her area don’t want to be considered poor or unable to pay their bills, a blow to their pride. “What we try to say is, ‘You’ve worked hard all your life, you’ve paid your taxes. You’ve given back to this government so there’s nothing wrong with the government helping you out a bit.’”
And the unfortunate truth is there’s very little, if any, help available for seniors who aren’t poor but have modest financial resources. While the need for new Dental, Vision, and Long-Term Care benefits for older adults is widely acknowledged, “the question is always how to pay for it,” said Neuman of KFF.
This will become an even bigger issue in the coming years because of the burgeoning aging population.
There is some relief on the horizon, however: Assistance with Medicare drug costs is available through the Inflation Reduction Act, although many older adults don’t realize it yet. The act allows Medicare to negotiate the price of prescription drugs for the first time. This year, out-of-pocket costs for medications will be limited to a maximum $3,800 for most beneficiaries. Next year, a $2,000 cap on out-of-pocket drug costs will take effect.
“We’re already seeing people who’ve had very high drug costs in the past save thousands of dollars this year,” said Frederic Riccardi, President of the Medicare Rights Center. “And next year, it’s going to get even better.”
Gerontologist Reveals Realities Of Dementia Care, Points Families Toward Sources Of Support
Nearly 7 million Americans are living with Alzheimer’s, Dementia, according to the Alzheimer’s Association, and that number is expected to rise — a statistic that has Gerontologist Dr. Macie Smith concerned about the ability of the medical community to provide comprehensive support for patients and their caregivers.
“Because our current healthcare system is not geriatric-centered, many medical professionals are not well informed about what supports are available to offer family caregivers,” Smith said. “There is a growing need for Dementia-Competent Education that is practical, applicable and relatable.”
Smith knows this firsthand. After caring for her grandmother, who had Dementia, it was important for Smith to share what she learned with other families to spare them from the struggle to find basic information on optimal care.
“African American Caregivers are the least likely to have access to information, education and resources that will help guide their Dementia Caregiving journey,” she noted.
Her new book, A Dementia Caregiver Called to Action: The Journey, is a concise yet comprehensive resource designed to address common questions and offer valuable insights throughout the caregiving journey.
In her book, Smith takes readers through the logical progression of a Dementia Care experience, beginning with how to recognize potential symptoms before the diagnosis and what questions to ask the individual’s primary care phy-
sician. She then describes what to expect after a Dementia Diagnosis, answers common questions and details a range of care options available to Dementia Patients.
“Although there’s not a cure for progressive types of Dementia, like Alzheimer’s, there is care — your care,” Dr. Smith added. “So, here’s to getting ahead of the journey.”
Emmy-Winning TV host and Bestselling Author Leeza Gibbons said, “Macie has a unique way of supporting caregivers through real-world scenarios and practical guidance. I’ve seen her make the challenge much more manageable for many at
the end of their ropes. If you need a basic starting position for Dementia Care, this book is for you.”
About the Author Dr. Macie P. Smith has over 20 years of expertise as a Licensed Social Worker and Gerontologist, dedicated to serving aging and vulnerable populations alongside their family caregivers. Her multifaceted role encompasses conducting research, crafting programs, evaluating their efficacy and facilitating professional development training in the pivotal areas of healthcare management, family caregiving, Alzheimer’s,
Dementia and cognitive impairment. At the helm of Diversified Training Consultants Group, Smith spearheads a dynamic Geriatric Care Management company committed to enhancing education and training standards for both healthcare professionals and family caregivers. She is an HBCU Alum, attaining her Bachelor’s and Master’s from South Carolina State University. She now serves as Vice Chair of the Board of Trustees at her Alma Mater. Smith earned her Doctor of Education Degree from Nova Southeastern University.
One in 7 older adults reported spending a quarter or more of their average monthly budget on health care.
Steibs/Cohen Buying Event
ART: old oil paintings, old watercolors, old etchings, lithographs, old movie posters, cartoon art, & more! STATUES: old bronze, carved jade, wood, marble, alabaster, pottery, porcelain.
OLD TOYS: old toys, trains, old comics and baseball cards (prior to 1960), old Japanese toys, robots, old banks & old dolls. ORIENTAL ITEMS: jades, statues, figurines, netsuke, old swords, oriental glass and porcelains.
HISTORICAL ITEMS: letters, autographs (movie stars, presidents, political, etc.), old photos, political pins and ribbons, old fountain pens, old pocket knives, swords, military items, American, Japanese, German medals, advertising items, old stamps, old badges (police, fire, military).
All Things Gold, Silver, Sterling & Platinum Jewelry
We buy all types of Gold Jewelry, new, old, and broken. Rings (class rings, mother’s rings, wedding rings, etc.) Bracelets (charm, tennis, bangles, etc). Earrings do not need to be a matching pair. Chains and Pendants, broken is ok. We even buy old Yellow Gold teeth and crowns. Brooches, company year pins. We buy Diamonds, Emeralds, and Rubies. Any item made out of Sterling Silver. Silverware, forks, spoons, bowls, dishes, trays, tea sets, statues, Sterling and .999 Bars, Sterling and .999 Rounds, frames, candle sticks, trophies, salt and pepper shakers and Jewelry. Broken and smashed is ok.
or New Jewelry
Buck Rogers Items
Currier & Ives Prints
Whirligigs
War Memorabilia
Autographs
What’s Medicare Supplement Insurance - Medigap
Medicare Supplement Insurance
(Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of Out-Of-Pocket Costs in Original Medicare. Generally, you must have Original Medicare – Part A (Hospital Insurance) and Part B (Medical Insurance) – to buy a Medigap policy.
The Basics All Medigap policies are standardized. This means, policies with the same letter offer the same basic benefits no matter where you live or which insurance company you buy the policy from. There are 10 different types of Medigap plans offered in most states, which are named by letters: A-D, F, G, and K-N. Price is the only difference between plans with the same letter that are sold by different insurance companies.
In some states, you may be able to buy another type of Medigap policy called Medicare SELECT. If you buy a Medicare SELECT policy, you have the right to change your mind within 12 months and switch to a standard Medigap policy. Every Medigap policy must follow federal and state laws designed to protect you. It’s important to watch out for illegal practices by insurance companies, and protect yourself when you’re shopping for a Medigap policy.
Medigap policies help cover Out-OfPocket Costs associated in Original Medicare, like: Copayments, Coinsurance, and Deductibles.
Some Medigap policies cover services that Original Medicare doesn’t cover, like Emergency Medical Care when you travel outside the U.S. (Foreign Travel Emergency Care).
What’s not covered?
Medigap doesn’t cover everything. Medigap plans generally don’t cover: Long-Term Care (like Non-Skilled Care you get in a Nursing Home), Vision or Dental Care, Hearing Aids, Eyeglasses, and Private-Duty Nursing.
Generally, you must have Original Medicare — Part A and Part B — to buy a Medigap policy. A Medigap policy only covers one person, so if you and your spouse both want Medigap coverage, you each have to buy your own policy.
If you have a Medigap policy and get care, Medicare will pay its share of the Medicare-approved amount for covered health care costs. In most Medigap policies, you agree to have the Medigap insurance company get your Part B claim information directly from Medicare. Then, your Medigap policy will pay your doctor whatever amount you owe under your policy and you’re responsible for any costs that are left. Some Medigap insurance companies also provide this service for Part A claims. If your Medigap insurance company doesn’t get your claims information directly from Medicare, ask your doctors if they “participate” in Medicare. This means that they “accept assignment” for all Medicare patients. If your doctor partici-
pates, your Medigap insurance company is required to pay your doctor directly, if you ask them to. Once you buy a policy, you’ll keep it as long as you pay your Medigap premiums. All standardized Medigap policies are automatically renewed every year, even if you have health problems. Your Medigap insurance company can only drop you if: You stop paying your premiums, You weren’t truthful on the Medigap policy application and the insurance company goes bankrupt or goes out of business.
Medigap & Medicare Advantage Plans
A Medigap policy is different from a Medicare Advantage Plan (Part C). A Medicare Advantage Plan is another way to get your Medicare coverage besides Original Medicare. A Medigap policy is a supplement to Original Medicare coverage. When you’re getting started with Medicare, you can either buy Medigap or enroll in a Medicare Advantage Plan, but you can’t have both.
If you have a Medicare Advantage Plan, you can’t buy a Medigap policy. It’s illegal for anyone to sell you a Medigap policy unless you’re switching back to Original Medicare. If you want to switch to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to see if you’re able to disenroll.
If you have a Medigap policy and join a Medicare Advantage Plan for the first time, you may want to drop your Medigap policy because you’ll be paying for coverage you can’t use. If after you join a Medicare Advantage Plan for the first time
and you’re not happy with your plan, you’ll have a single 12-month period (your trial right period) to get your Medigap policy back if the same insurance company still sells it once you return to Original Medicare. After that period, you might have to wait to drop your Medicare Advantage Plan, and you might not be able to buy a Medigap policy, or it may cost more.
Medigap & Prescription Drug Coverage
Medigap plans sold after 2005 don’t include Prescription Drug Coverage. So, if you enroll in Medigap for the first time, it won’t include Drug Coverage. If you want Prescription Drug Coverage, you can join a separate Medicare Drug Plan (Part D).
Medigap Costs
Medigap premiums vary widely depending on the insurance company, the plan, and where you live. Each insurance company decides how it will set the price, or premium for its Medigap policies, which can affect how much you pay now and in the future.
The benefits in each lettered plan are the same, no matter which insurance company sells it. The premium amount is the only difference between policies with the same plan letter sold by different companies. There can be big differences in the premiums that different insurance companies charge for the same coverage, so be sure you compare Medigap plans with the same letter (for example, compare Plan G from one company with Plan G from another company).
When you compare Medigap plans, you’ll see their estimated costs so make sure you contact the insurance company for a more accurate price.
The cost of your Medigap policy may also depend on whether the insurance company:
• Offers discounts (like discounts for women, nonsmokers, or married people; discounts for paying yearly; discounts for paying your premiums using electronic funds transfer (automatic payment from checking account or credit card); or discounts for multiple policies).
• Uses medical underwriting or applies a different premium when you don’t have a guaranteed issue right or aren’t in your Medigap Open Enrollment Period.
• Sells Medicare SELECT policies that may require you to use certain providers. If you buy this type of Medigap policy, your premium may be lower.
• Offers a “high-deductible option.”
When you buy a Medigap policy, you’ll pay the private insurance company a monthly premium. Your insurance company will let you know how to pay for your monthly premium. You also have to pay your monthly Medicare Part B premium. Medicare doesn’t pay the premiums for your Medigap policy. Premium amounts typically increase each year.
To compare the costs of Medigap plans in your area, visit: https://www.medicare.gov/ medigap-supplemental-insurance-plans/#/ m?year=2024&lang=en
And Ready For Medicare?
By:
More than four million Americans will turn 65 this year, more than ever before. Whether this milestone means retirement or not, these individuals need to make important choices about their Health Care. For many Floridians, the transition from an employer-sponsored health insurance plan to Medicare may feel overwhelming. New Medicare Beneficiaries will need to do some research to understand the options and decide what meets their personal needs. While employer-sponsored health insurance typically includes Medical Coverage, Prescription Drug Coverage and Preventive Care, and may also include Dental and Vision Coverage, this is not always the case with Medicare.
What are the Medicare plan options?
The main decision is between Original Medicare, which is federally managed, or Medicare Advantage, plans administered by private insurance companies that have contracts with the Federal Government. They both cover the same Part A (Hospital Insurance) and Part B (Medical Insurance) services, but Medicare Advantage Plans typically include additional coverage and services.
Medicare Supplement (Medigap) Plan to help with Out-Of-Pocket Expenses, like copayments, coinsurance and deductibles.
Medicare Advantage Plans, similar to employer-sponsored insurance, can provide all-in-one coverage, often including:
Plans to help beneficiaries evaluate the quality of the plans available.
What costs should be considered?
Similar to comparing Out-Of-Pocket Costs when choosing among different employer-sponsored options, consider
Advantage Plans vary plan to plan. There is still a Part B premium with these plans, although some Medicare Advantage Plans offer reimbursements for part of that cost.
What are the provider options?
Where Original Medicare Coverage includes any provider accepting Medicare patients, Medicare Advantage Plans have networks. Just as many employers offer both HMO and PPO Plans, Medicare Advantage Plans are also
Original Medicare includes Parts A and B. If a beneficiary wants coverage beyond Hospital and Medical Services – like for Prescription Drugs (Part D) or Dental and Vision Care – separate insurance coverage is needed. Since Original Medicare only covers about 80% of an individual’s Health Care costs, many people choose a
Dental, Vision, Hearing and Prescription Drug Benefits, and may also include additional Health and Well-Being benefits. Medicare Advantage Plans also have Maximum Out-Of-Pocket Costs, making expenses more predictable. The Centers for Medicare and Medicaid Services (CMS) annually rate Medicare Advantage
premiums, copayments/coinsurance, deductibles and Prescription Drug Costs when deciding on a Medicare plan. Original Medicare’s premium costs are standardized and set by CMS. In 2024, the
=A Medigap policy is different from a Medicare Advantage Plan (Part C)
Medicare Fraud
Beware of Scammers Offering Older Americans In-Home Perks
Every day, criminals target older Americans with one goal - to steal their Medicare numbers and other protected health information. To fraudsters, this information is just as valuable as credit card information. These criminals steal Medicare numbers and unlawfully bill Medicare for medical services that were never provided to the patient or overbill for provided services.
When criminals commit fraud, and falsely bill Medicare, people’s medical records may become inaccurate and they can suffer delayed or even be denied care. In the end, Medicare fraud costs taxpayers billions of dollars every year. Each dollar lost to fraud takes away resources intended for people with Medicare.
Protect Yourself
Fraudsters are getting creative and new scams are continually emerging. The best thing you can do is beware of people who contact you for your Medicare number or
other personal information. You may be contacted by phone, text or email by someone posing as a Medicare representative, a health care provider or even a medical equipment company. If someone you don’t know asks for your Medicare number, hang up or delete the messagethis is a scam.
Consider these tips to help protect yourself against Medicare fraud and stay one step ahead of fraudsters:
• Guard your Medicare card & information just like your Social Security card and credit card.
• Only share your Medicare information with your trusted health care providers.
• Be skeptical of free gifts, free medical services, discount packages or any offer that sounds too good to be true.
• Always check your Medicare claims statements to make sure they are accurate. Call: 1-800-
MEDICARE if you suspect you or Medicare has been billed for a service you did not receive.
Watch Out for Medicare Hospice Fraud
Beware of scammers offering older Americans in-home perks, like free cooking, cleaning and home health services, while they are unknowingly being signed up for hospice services. The scammers then unlawfully bill Medicare for these services in your name.
Criminals are using every avenue they can to sign you up including door-to-door visits, false advertising, phone, text and email. Hospice care is for people who are terminally ill and only you and your doctor can make this serious decision if you need end-of-life care.
Advice to avoid hospice scams:
• Your doctor is the only one who can certify you’re terminally ill (with a life expectancy of 6 months or less). If you are not terminally ill, you should not receive hospice care.
• Never accept perks or gifts in return for signing up for hospice services.
• Medicare will never provide “free” services like housekeeping.
• Be suspicious if someone offers you free services like housekeeping or cooking in return for your Medicare number.
• Medicare will never come to your home.
Report Medicare Fraud
Reporting Medicare fraud protects you and millions of other people with Medicare and those with disabilities. If you or someone you know has experienced Medicare fraud or suspect an offer you’ve received is a scam, report it as soon as possible. You will never be in trouble for reporting fraud.
To learn more, visit Medicare.gov/fraud. To report potential fraud, call: 1-800-MEDICARE (1-800-633-4227).
A Stranger’s Donation Cured 9/11 Firefighter’s Cancer
On Sept. 11, 2001, as the whole world watched the tragedy unfolding at the World Trade Center, New York firefighter Brian Kevan rushed to the scene to help. Like many others who responded that terrible day, Brian developed Cancer because of exposure to noxious chemicals, dust, asbestos and more. He was diagnosed with non-Hodgkin’s Lymphoma in 2019.
Brian underwent treatment, but the Cancer kept recurring. His last, best hope for a cure was a blood stem cell transplant - if he could find a donor. None of his family members were a suitable match. That’s not as uncommon as it may sound. Approximately 70% of patients who need a transplant don’t have a fully matched donor in their family. Through NMDP (formerly Be The Match), which manages the world’s most diverse blood stem cell registry, Brian found a matching donor and underwent a blood stem cell transplant in November 2021.
Two years later, Brian, now free from
Cancer, met Ryan Crooker, his life-saving donor. Ryan was a college football player at Springfield College in Massachusetts when he joined the NMDP Registry in 2014 with a simple cheek swab. Seven years later, he got the call asking him to donate his regenerative blood-forming stem cells to help cure Cancer and save a life. He selflessly said, “Yes.”
The story of these two men is unique, but it’s not unusual. For nearly four decades, the global nonprofit NMDP has impacted more than 130,000 lives through cell therapy - giving a second chance at life to patients around the world.
This year, on World Marrow Donor Day, Sept. 21, 2024, NMDP will honor the community of recipients, donors and supporters they’ve built over the last 37 years with a free, nationwide event series, NMDP Unite: a celebration to find cures and save lives, for people facing Blood Cancers and disorders. Fundraising is encouraged, and all proceeds raised will go toward programs critical to NMDP’s
life-saving mission, including patient assistance grants, research to help more transplant recipients like Brian thrive, and efforts to continue to grow the registry.
When it comes to transplant, finding a suitable donor match is critical - but it’s not the only challenge patients face. “The financial burden continues to be the number one barrier for patients and families coming to us in need of a transplant,” said Joy King, Chief Advancement Officer for NMDP. “It presents an enormous challenge, and we are committed to helping them overcome this barrier. The funds we raise through NMDP Unite will help thousands of families with loved ones going through treatment each year.”
NMDP Unite will be held in Los Angeles, New York City and at NMDP’s World Headquarters in Minneapolis. Minnesota Timberwolves Center Naz Reid will be greeting fans in the Twin Cities; Olympic gold medalist and professional women’s basketball player Breanna Stewart will join Brian and others in New
York and three-time Olympic gold medalist Gabby Douglas will celebrate in LA. Thanks to sponsors GVHD Alliance and Innovative Office Solutions attendees can enjoy music, food and fun while mingling with other families, donors, doctors - and so many other mission supporters from the NMDP community.
“I’m passionate about NMDP because their mission is close to my heart. I lost my mentor, Rudy Roundtree, to Blood Cancer a few years ago and want to do everything I can to honor his legacy,” Reid said. “I hope people will come out, have some fun and help raise money for a good cause.”
If you’re not in one of the three event cities, you can share in the celebration digitally. Join NMDP and the movement to save lives, find cures and give families the gift of more time with loved ones. For more information and to register for free today, visit: www.nmdp.org/Unite
(L) Brian, now free from Cancer, met Ryan Crooker, his life-saving donor at the site of the 09/11 Memorial. (R) On Sept. 11, 2001, as the whole world watched the tragedy unfolding at the World Trade Center, New York firefighter Brian Kevan rushed to the scene to help.
5 Star Medicare plans.
That’s the highest possible rating from Medicare
Medicare created a star rating program to help individuals and caregivers quickly compare Medicare Advantage plans and Part D prescription drug plans. This rating system helps Medicare shoppers and caregivers decide on different plans. By choosing a 5 Star UnitedHealthcare plan, you know you’ll get the service and access to care you deserve.
Attend a meeting to learn more:
Speak
application process, and their services are often
8.
Providing
affordable and there are plans for all budgets.
____ Dental and Vision – lots of options available. Plans now cover implants.
____ Self employed? It is highly recommended that you consider a disability policy (very inexpensive). Ask yourself how long can you and your family survive if income stopped: 3 months? 6 months? Your ability to earn income IS your greatest asset.
Working with a health insurance broker offers numerous advantages, ensuring that you make the best possible decision for your health coverage needs. Here are several reasons why it’s beneficial to work with a broker:
Expertise: Brokers understand the complexities of health insurance, including the latest changes and regulations. They can explain the plan options and the coverage details, premiums, deductibles, and outof-pocket costs.
Finding the best plan for you and your budget:
Brokers have access to all insurance plans from various carriers, allowing them to compare and find the best plan for your needs. We consider your preferred doctors and hospitals, as well as individual health concerns. Brokers will also identify subsidies, tax credits, and other costsavings. We will also find the best price for your medications that you might not even be aware are available.
Easy Enrollment Process Brokers complete all paperwork making sure that your application is accurate and submitted on time.
Free of Charge No Additional Cost: Brokers are compensated by the carriers so our services and counsel are free to consumers. In summary, working with a health insurance broker provides expertise,
Carol Foley And Her Partner Jack Roken, Also A Licensed Agent
Professional Theater Comes To Hollywood
The Art and Culture Center/Hollywood Will host Thinking Cap Theatre’s 2024-25 Season
The Art and Culture Center/Hollywood is proud to host the 15th Season of Award-Winning Thinking Cap Theatre (TCT). The season will include two main stage productions – the regional premiere on October 19th of LOVESONG, an emotionally riveting drama about love and legacy by Playwright/Screenwriter Abi Morgan, and ALL THE NATALIE PORTMANS by C.A. Johnson, a new coming-of-age dramedy opening in March 2025. Both productions will be staged at the Hollywood Central Performing Arts Center (HCPAC) at 1770 Monroe Street, Hollywood, Florida 33020. Tickets are $45 and are available through: https:// thinkingcaptheatre.org/ - and at the box office before the show.
Thinking Cap Theatre’s presence at HCPAC is a landmark moment in the Art and Culture Center/Hollywood’s 49-year history. It will mark the first time since the Center’s founding in 1975 that it has presented professional theater at one of its facilities. It will also mark the return of professional theater to the City of Hollywood for the first time since 2003, when the Hollywood Playhouse closed after 42 years in operation.
City of Hollywood Commissioner Kevin Biederman shared, “we are committed to supporting the arts in Hollywood to create a vibrant and connected community, and hearing about this partnership between the Art and Culture Center and Thinking Cap Theatre is a very exciting development for our residents and visitors to the City. I look forward to catching a show.”
About LOVESONG:
LOVESONG imaginatively and grippingly explores universal themes, including long-term love, aging, memory, and mortality. Morgan (The Iron Lady, 2011; The Suffragette, 2015) developed LOVESONG with the world class, innovative UK-based company, Frantic Assembly. TCT’s production will honor the play’s original production values with its own stunning, in-house projection design and choreography.
Dates: Saturday, Oct. 19th, 2024 | 5:00 p.m. (OPENING)
Sunday, October 20th, 2024 | 5:00 p.m.
Wednesday, October 23rd, 2024 | 7:30 p.m.
Saturday, October 26th, 2024 | 5:00p.m.
Sunday, October 27th, 2024 | 5:00 p.m. | With Post-Show Talkback
Friday, November 1st, 2024 | 7:30 p.m.
Saturday, November 2nd, 2024 | 5:00 p.m.
Sunday, November 3rd, 2024 | 5:00 p.m. (CLOSING) | With Post-Show Talkback
LOVESONG is supported by Funding Arts Broward, supporting innovative local visual and performing arts in Broward County; Broward County Cultural Division; and The Warten Foundation.
About ALL THE NATALIE PORTMANS: Johnson’s bold, coming-of-age play sheds light on an underrepresented community – young queer black women. Johnson’s important new work examines an African American family in crisis, struggling to survive in the face of Alcoholism and Structural Racism while also grappling with conflicting views on Homosexuality. Told from the perspective of the central character, 16-year-old Keyonna, who escapes into a world of
(self) acceptance and empathy.
Dates: Saturday, March 15th, 2025 | 7:30 p.m. (OPENING)
Sunday, March 16th, 2025 | 5:00 p.m.
Wednesday, March 19th, 2025 | 7:30 p.m.
Saturday, March 22nd, 2025 | 7:30 p.m.
Sunday, March 23rd, 2025 | 5:00 pm (TALKBACK)
Wednesday, March 26th, 2025 | 7:30 p.m.
Saturday, March 29th, 2025 | 7:30 pp.m.
Sunday, March 30th, 2025 | 5:00 pm (TALKBACK & CLOSING)
ALL THE NATALIE PORTMANS is made possible by a joint grant from The Our Fund Foundation and The Warten Foundation and is supported by Funding Arts Broward, supporting innovative local visual and performing arts in Broward County.
TCT Partnership also brings Playwriting Workshop and Performance
In addition to the two main-stage productions, TCT will present ANIMAL ENCOUNTERS, a playwriting workshop series and public performance. Utilizing the playwriting methods of Maria Irene Fornes, an OffOff Broadway Pioneer and Author of more than 40 plays, TCT will offer workshops, rehearsals, and a professional public performance to a select cohort of participants. Animals appear across Fornes’ canon in strange and inter-
ignite, but not limit, the imaginations of participating writers.
Workshop dates are from October 22nd to November 11th, with the final performances on November 23rd at HCPAC of 10-minute scenes or short plays written by participants. Space is limited and no prior playwriting experience is necessary. The Registration Fee of $50 is NonRefundable. For a complete schedule and to register, visit: https:// thinkingcaptheatre.org/.
Tickets to the performance are $20 and will be sold separately at: https:// thinkingcaptheatre.org/, at Eventbrite, and the box office on the day of the show.
ANIMAL ENCOUNTERS is made possible by a joint grant from The Our Fund Foundation and The Warten Foundation. This program is presented in partnership with The Art and Culture Center/ Hollywood.
About The Art and Culture Center/Hollywood:
The Art and Culture Center/Hollywood is a leader among South Florida multidisciplinary cultural organizations for its presentation of contemporary gallery exhibitions, arts education programs, cultural experiences, and award-winning documentary film shorts. The Center’s mission is to cultivate creativity and the support of the arts in our community through education, innovation, and collaboration. Visit:
www.artandculturecenter.org
About Thinking Cap Theatre
Founded in Fort Lauderdale in 2010, Thinking Cap Theatre (TCT) is a professional, Non-Profit company that champions equality and theatrical experimentation and strives for excellence on and offstage. TCT is devoted to staging thought-provoking, socially conscious, formally innovative theater and to gender parity in main stage programming. TCT also presents community-based programs such as documentary theater projects for LGBTQ+ women and youth; play readings; and playwriting workshops using the Fornes Method. Across all programming, TCT strives to reflect and serve our diverse society.
The Art and Culture Center/Hollywood is a 501(c)(3) Non-Profit Organization supported in part by its members, admissions, private entities, the City of Hollywood; the Broward County Cultural Division, the Cultural Council, and the Broward County Board of County Commissioners; the State of Florida through the Division of Arts and Culture and the National Endowment for the Arts; the Community Foundation of Broward; David and Francie Horvitz Family Foundation; Josephine S. Leiser Foundation, and Helen Ingham Foundation. We welcome donations from all members of the community who wish to support our work.
Let BCT take you to the fun
From Page 1A
developmental opportunities Amazing Spine Care and Dr. Alan Khiger, the practice’s President and Founder whom is still a full time Chiropractic Physician. Armed with a local foundation of supporters, Dr. Khiger and his staff are uniquely positioned to maneuver the city’s international landscape and broad population of patients in dire need of relief from chronic back pain, debilitating Arthritis, critical injuries, and pre-existing conditions.
“We are honored and humbled to join forces with Dr. Joseph Amunategui and his dedicated team – especially given the esteemed reputation of his Hallandale Beach practice and exceptional medical standards upheld over the decades,” stated Denisse Garcia, Marketing Director for Amazing Spine Care. “Integrating into such a fantastic and phenomenal growing community is a privilege, and we hope to grow with it and become assets to the locals for all of their needs.”
Patients seeking proactive pain relief solutions instead of strong painkillers or complex surgical procedures should look no further than Amazing Spine Care. Practitioners are trained to introduce patients to alternative methods that not only manage daily pain, but treat immobility to promote physical strength and ultimate recovery. The chiropractic care options offered at the facility focus on minimally invasive and therapeutic methods of prevention. Patients who are averse to complicated medical procedures and excessive prescriptions now have another option of care as each individual leaves the practice with a personalized recovery plan, enabling the prioritization of holistic health and optimal wellness.
Amazing Spine Care’s specialization in treating personal injury cases – such as auto accidents, slip-and-falls, and sports afflictions – differentiates its scope of services from comparable chiropractic medical centers in the region. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), nearly 25,000 men, women, and children suffered injuries from automobile accidents occurring in Broward County. Considering the frequency of such emergencies, Amazing Spine Care practitioners remain on standby to treat accident victims. If needed, Individuals who have been in a car accident and are without transportation should call Amazing Spine Care to arrange a complimentary ride to the facility for on-the-spot service. To facilitate a comfortable chiropractic experience, the staff offers same-day appointments, flexible service hours, and multilingual communication options for patients who speak English, Spanish, Russian, and Ukrainian.
Meet the Chiropractic Physicians
Dr. Joseph A. Amunategui II, has been a practicing Chiropractic Physician in the City of Hallandale Beach since December 1993. His historic merger with Dr. Khiger’s company, Amazing Spine Care, reflects his desire to incorporate time-tested, traditional methods of chiropractic care with contemporary methods of delivering client results through accessible treatments, and virtual appointments. While treating thousands of loyal patients throughout the duration of his career, Dr. Amunategui leads and participates in countless charitable endeavors and community service initiatives. Due to his relentless benevolence and volunteerism over the decades, the Hallandale Beach Mayor proclaimed January 19, 2008 as “Dr. Joseph Amunategui II Day.” A graduate of Life University’s Doctor of Chiropractic degree program, his extensive catalog of scholarly healthcare articles has established Dr. Amunategui as a respected thought leader in his profession. A former President and Charter Member of the Kiwanis Club Hallandale Beach, he holds leadership positions and board memberships with the Hallandale Beach Chamber of Commerce, City of Hallandale Beach Police Athletic League (PAL), YMCA of Hallandale Beach, and the Florida Sheriffs Association. He is also a lifetime member of the International Chiropractic Association (ICA) and Founding Member of the organization’s Council on Fitness and Sports Health Science. Relishing the opportunity to extend his family’s accomplished legacy, he is a father of four and second-generation Chiropractic Physician, who has practiced in the same location as his father since 1973. After expanding to open his new Hallandale Beach practice, Dr. Alan Khiger, D.C. is pleased to open the seventh location for Amazing Spine Care in the state of Florida. A fellow graduate of Life University’s Doctor of Chiropractic Degree program in Atlanta, Georgia, he specializes in the capacity of personal injury, workers compensation, and cash
practice patients for the past several years. Certified by the American College of Addictionology in Auricular Therapy for patients struggling with substance abuse disorders, Dr. Khiger’s passion also lies in treating patients representing diverse generations, such as the elderly population, children, pregnant women, new mothers, and infants. He has held professional capacities as a specialist and general practitioner for chiropractic care, with a concentration in Neuro-Musculoskeletal Disorders, for over 15 years. Not only is he considered a gifted “healer,” but also well-versed in assisting his patients in finding physical alignment and adopting healthy habits.
Forecasting the Future of Amazing Spine Care
The future of the business looks bright for Amazing Spine Care as Drs. Khiger and Amunategui collaborate to elevate the profile of their joint venture in a crowded chiropractic care market. Accessibility, convenience, and innovation are driving the mission as both physicians believe in meeting patients wherever they are regarding budgetary restrictions and transportation needs. “Our philosophy is centered on never giving up without trying
when it comes to patient care,” Garcia said. “We’re committed to delivering results and applying our collective experience to carry out our mission – maximizing our family-oriented business to change the lives of families everywhere. Our 97% success rate is attributed to taking on high-risk conditions and procedures that pay off in benefiting our patients. What others fail to do, we successfully get done!”
Now that the Hallandale Beach branch of Amazing Spine Care is open and currently welcoming new patients to its facility, Drs. Khiger and Amunategui express the value of the community partnerships that have made their merger a seamless success. They enthusiastically look forward to embarking on this new chapter together and express high hopes for 2025.
“We’re here to help as many people as possible and give our patients the appropriate care they deserve,” Garcia assured.
“We’re focused on creating easy access to care for people of all ages and reserve a special place in our hearts for infant care. We encourage potential clients to reach out to us for a same-day appointment, with the assurance of knowing that their requests will be immediately
addressed. A nurse practitioner is also on hand to facilitate telemedicine appointments for patients who are limited to virtual capabilities.”
Amazing Spine Care appeals to multigenerational clients and guarantees exemplary patient satisfaction while administering the highest quality in chiropractic service with a smile. When selecting a chiropractor in the South Florida community, Garcia recommends giving their practice careful consideration. “We want to be known as the doctor’s office that serves families first. Plus, we will always go the extra mile in doing what other practitioners won’t do to implement preventative therapy and healing solutions. As the Public Relations Manager Hazel Hernandez emphasizes, “Amazing care awaits you!”
To read more about Amazing Spine Care, visit: www.amazingspinecare.com Or make an appointment with one of their practitioners at: (954) 458-1223. Appointments can also be requested through the submission of a completed online contact form powered by Google (https://www.amazingspinecare.com/ contact-us/), and prospective clients should expect to receive a response within 24 hours.
Introducing South Florida’s New Family oriented Chiropractic Medical Facility.
Left to Right: Dr. Joseph Amunategui II, D.C., And Dr. Alan Khiger, D.C.(Founder & CEO of Amazing Spine Care).
Left to Right: Dr. Alan Khiger, D.C.(CEO & Founder of Amazing Spine Care), Denisse Garcia (Marketing Director), Irina Khiger (COO & Dr. Khiger’s Wife)
Medicare Inflation Rebate
HHS Announces Cost Savings for 54 Prescription Drugs
The U.S. Department of Health and Human Services (HHS), through the Centers for Medicare & Medicaid Services (CMS), announced last week that some Medicare enrollees will pay less for 54 drugs available through Medicare Part B. The drugs will have a lowered Part B coinsurance rate from October 1, 2024 –December 31, 2024, since drug companies raised prices for each of these 54 drugs faster than the rate of inflation. Over 822,000 people with Medicare use these drugs annually to treat conditions such as Cancer, Osteoporosis, and Pneumonia. Since April 1, 2023, people with Medicare have seen savings on over 100 drugs thanks to Inflation Reduction Act’s Medicare Prescription Drug Inflation Rebate Program.
“The President’s lower cost prescription drug law continues to put money back in the pockets of seniors and people with disabilities,” said HHS Secretary Xavier Becerra. “President Biden and Vice President Harris promised to lower prescription drug costs – and they have delivered.”
“No one should have to choose between paying for their health care or
putting food on the table,” HHS Deputy Secretary Andrea Palm said at an event announcing the updated list in Pennsylvania today. “The Inflation Reduction Act is all about bringing down the price of health care and making sure the American people benefit.”
Because of the Biden-Harris lower cost prescription drug law, the Inflation Reduction Act, which established the Medicare Prescription Drug Inflation Rebate Program, some people with Medicare who use these drugs in the last quarter of 2024 may save between $1 and $3,854 per day. For example, someone taking a drug called Kymriah, which treats Cancer, could save as much as $3,000.
“The Biden-Harris Administration is dedicated to ensuring people with Medicare have access to their prescription drugs, and the Inflation Reduction Act continues to deliver on our goal to improve affordability,” said CMS Administrator Chiquita Brooks-LaSure.
“Discouraging price increases above the rate of inflation by drug companies and negotiating lower prices on some of the most expensive and most frequently used drugs in the Medicare program delivers on
Making A Life Changing Difference
Pubbelly Sushi Partners with Sylvester Comprehensive Cancer Center for Breast Cancer Awareness Month
A portion of the proceeds from each Butter Krab Roll sold and from the sushi-making class on October 17 at the Brickell location will be donated to Sylvester’s wig program.
This October, Pubbelly Sushi, known for its fusion of Japanese and Latininspired dishes, proudly marks its fifth year partnering with Sylvester Comprehensive Cancer Center in support of Breast Cancer Awareness Month. Throughout the month, a portion of the proceeds from each Butter Krab Roll sold and from the sushi-making class on October 17 at the Brickell location will be donated to Sylvester’s wig program.
“Pubbelly Sushi’s continued support of Sylvester’s wig program is an incredible example of how local businesses can make an impact on our community and on those who are navigating their Cancer journey,” said Shawn McGee, Executive Director of UCARE Community Fundraising, UHealth. “We, at Sylvester, are incredibly proud of our Cancer support services, as we embrace and support our patients. However, we could not it without the help of great partners like Pubbelly Sushi. The difference they are making is literally life-changing.” Pubbelly’s Instagram-famous Butter Krab Roll—made with goma soy paper, kanikama, ponzu, and warm clarified butter—is a fan favorite, and during
October, it takes on special meaning, symbolizing the restaurant’s commitment to giving back.
“The Butter Krab Roll not only showcases our culinary creativity but also represents our dedication to supporting Breast Cancer patients,” said Chef Jose Mendin. “This campaign is something we look forward to every year as a way to raise awareness and funds for such an important cause.”
For more than 30 years, Sylvester Comprehensive Cancer Center, part of the University of Miami Health System and the University of Miami Miller School of Medicine, has been a beacon of hope for cancer patients and their families. As South Florida’s only National Cancer Institute-designated Cancer center, Sylvester offers cutting-edge cancer research, innovative clinical trials, and compassionate care that is second to none. The center’s wig program, funded in part by Pubbelly’s initiative, provides essential emotional and psychological support, helping patients regain their sense of self during the most challenging of times.
“Being able to receive a wig fitting at the Cancer center relieves a significant source of stress, helping patients restore their confidence and self-image,” said Tangela Hillery, Sylvester Comprehensive Cancer Center’s concierge coordinator.
“We are deeply grateful for Pubbelly’s
our promise to bring savings to Medicare enrollees.”
The Medicare Prescription Drug Inflation Rebate Program is just one of the Inflation Reduction Act’s prescription drug provisions aimed at lowering drug costs. In August, the Biden-Harris Administration announced it had reached agreements for new, lower prices for all 10 drugs selected under the first round of the Medicare Drug Price Negotiation program. If these new prices had been in effect last year, Medicare would have saved an estimated $6 billion. Once these prices take effect in 2026, people with Medicare Part D are expected to save an estimated $1.5 billion in total out-of-pocket costs.
In addition to the negotiated prices, another major cost-savings benefit begins in 2025, when all people with Medicare Part D will benefit from a $2,000 cap on annual out-of-pocket prescription drug costs. In 2024, some enrollees who have high drug costs are already seeing their annual out-of-pocket costs capped at about $3,500.
The Inflation Reduction Act requires drug companies to pay rebates to Medicare when prices increase faster than
the rate of inflation for certain drugs. CMS intends to begin invoicing prescription drug companies for rebates owed to Medicare no later than fall 2025. The rebate amounts paid by drug companies will be deposited in the Federal Supplementary Medical Insurance Trust Fund, which will help ensure the long-term sustainability of the Medicare program for future generations.
For more information on the Medicare Prescription Drug Inflation Rebate Program visit, https://www.cms.gov/ inflation-reduction-act-and-medicare/ inflation-rebates-medicare.
To view the fact sheet on the 54 Part B drugs with a coinsurance reduction for the quarter October 1, 2024 – December 31, 2024, visit, https://www.cms.gov/files/ document/reduced-coinsurance-certainpart-b-rebatable-drugs-october-1december-31-2024.pdf.
More information and helpful resources about the Inflation Reduction Act and how it is helping to lower costs for people with Medicare can be found at: LowerDrugCosts.gov and: MedicamentosBajoPrecio.gov
continuing our work together.”
For more information about Sylvester Comprehensive Cancer Center, visit: umiamihealth.org/en/sylvestercomprehensive-cancer-center. To learn more about Pubbelly Sushi, visit: https:// www.pubbellyglobal.com.
Pubbelly Sushi
Pubbelly Sushi brings a hyper-creative
The Inflation Reduction Act requires drug companies to pay rebates to Medicare when prices increase faster than the rate of inflation for certain drugs.
fusion of Japanese and Latin-inspired dishes by founding Chef-Partner José Mendín, a five-time James Beard Award semifinalist for “Best Chef, Southeast.”
Pubbelly became an instant favorite for locals when it opened in 2010. A decade later, it continues to be embraced by the market, winning the 2020 Miami New Times Readers’ Choice Award for Best Sushi and maintaining a spot on every tourist’s “must ‘’ list.
We Must Remain Vigilant Hallandale Beach
This Past Year Every Property Was Put in The Flood Zone
By Hallandale Beach, Mayor Joy Cooper
Once again, we are under an emergency declaration this past weekend into today. I continued to respond to many residents and kept them up to date over the course of this storm. We were blessed once again not to have been in the eye of the storm, but we still feel Milton’s effects. Helene and Milton both left massive devastation.
It continues to worry me that so many people are simply not heeding our warnings and messages to be prepared. Many newer residents have shared with me that they purchased their homes not knowing it was in a Flood Zone. Some knew but did not research the specific areas that are considered repetitive loss. The sellers and or realtors did not explain the history. In some instances, they bought homes that were repaired without Permits. In these cases, it is even harder dealing with rebuilding without having current plans to rebuild.
This past year every property was put in the Flood Zone. This means they must have Flood Insurance. Even the Three Islands neighborhood is now in a Flood Zone even though they have never flooded. Commissioner Lazarow inquired about these changes at a recent meeting. She requested we see if Three Islands can be removed. We support the request. It will be interesting if it can be changed but I am thinking due to the Sea Level Rise and the Storm Surge possibilities it may not be removed.
The point is we are a Flood Zone.
There are only four miles between our western border of I-95 and the ocean. Unless, if you consider the Intracoastal Waterway. Many residents in the City believed that since we put in pumps on 14th and on the Shaffer Canal this will guarantee they will not Flood. Everyone after June realized we are in a new normal. I tell everyone we cannot engineer our City out of every Flood. I cannot stress enough that we will Flood depending on the amount and duration of rain events. This means every homeowner and condominium needs to properly prepare in the event of natural disasters including hurricanes and extreme rain events.
June was the beginning of Hurricane Season, and we always promote being prepared. The state provides a Sales Tax Holiday for everyone so they can get a break on purchasing supplies, equipment and other items that will help residents prepare themselves and their homes in the event of a storm. I received multiple text messages and calls about sandbags. While I felt terrible knowing they were in fear of Flooding I thought it was a bit late to be securing a home.
Our City has not distributed sandbags for years. I know many cities do supply sand, some supply bags and sand. This process is labor intensive if you want to do it right. It takes Staff, Volunteers, and Police to perform the distribution properly. We gave out two to four bags to residents with ID.
The question becomes, does four bags
even help secure your home? It may help but it is not the best form of protection and it pulls our Staff away from their duties preparing the City for the storms. Bags are often one and done. Many would dump the sand rather than saving it for the next storm expecting we do another distribution.
It bothered me when we stopped this program, so I decided to do research on other applications to secure properties. Since climate change and extreme weather events are taking place everywhere many products have been developed to dry proof homes. One simple example is water barriers that are reusable and much easier to utilize. There are water dams for doors and garages. There are large waterproof sacks to store everything from clothes to entire rooms of furniture. Climate Change and Sea-Level Rise has exacerbated the intensity of the storms, and we will not always have days to prepare.
Recently, we held Hurricane Preparedness Courses. One was geared for businesses and the other for residents. The instructor, Ms. Lynville from Optimum, presented an excellent curriculum. Many residents continue to ask about what the City is doing to address Flooding. We are doing our part and have plans for more Infrastructure. We have a robust preparedness plan and implement improvements.
We can and will continue to do our part, but we cannot emphasize enough, property owners also play an integral part
in prevention, preparation and recovery. I have requested the next session be held to share what products, programs and services are available through FEMA to help our owners. I was hoping to announce a date but between Helene and Milton it was pushed off. I am in communication with Optimum and believe we can host a meeting at the end of this month. I will have a firmer date after Wednesday. I do hope everyone weathered the storm. The mental scars are the ones that may take more time to be healed. I was impressed watching one of the news channels listening to one of the victims of Helene. She said it was not their first hurricane but was the worst so far. She said we are staying put and rebuilding. That is the price we pay to live in Florida. The goal must be for communities to build back stronger and smarter. After Andrew, the South Florida Building Codes were created. They are now statewide. Currently, homes are being built eighteen inches higher. Seawalls are being built higher. We need to evaluate planning with a goal towards stronger drainage requirements and retrofitting private properties as we face the new normal.
As always, I am available anytime for your questions, concerns, and ideas to make our City a better place by Phone/Text at: (954) 632-5700. Or you can email me at: jcooper@cohb.org. Please visit me on my Facebook page at Mayor Joy Cooper. Like, follow, and share!
Of Hollywood Storm Information
As Hollywood continues to experience impacts of Hurricane Milton with Localized Street-Level Flooding and rainfall totals up to 8 inches expected through Thursday. As always, please visit: www.hollywoodfl.org for the latest information on City closures and cancellations and monitor a trusted news source for weather-related information.
To prepare and aid in the cleanup and recovery efforts, please follow these guidelines:
• Secure Garbage and Recycling Carts, and label them with your address.
• Refrain from trimming trees or placing bulk items outside until after the storm has passed. If items are already curbside, secure them on your property.
• If your parking area is prone to Flooding, consider relocating your vehicle to one of the City-Operated Parking Garages. Details and capacity information can be found at: www.hollywoodfl.org.
• In case of an Emergency, such as Flood Water impacting your home, dial 911 immediately, especially if it creates a Fire Hazard.
• Exercise caution with electrical appliances, cords, and outlets if Flood Waters have entered your home.
• Notify your homeowner’s insurance provider promptly if you experience Flood Damage. Seek their guidance on documenting the damage and drying out your home. The same applies to contacting your vehicle insurance provider if your vehicle has been affected.
• Avoid wading in standing Flood Water, which may contain harmful contaminants.
• Keep children and pets away from Flood Water as it can pose health risks.
• Do not drive through flooded areas. Remember: “Turn Around, Don’t Drown.”
caution and drive slowly if travel is necessary, and avoid pushing standing water into neighboring properties.
Veteran’s
Relieve Stress And Inform Your Family
About Your VA Benefits
plans a funeral, which she pays for out of pocket. The $2,500 Tax-Free payment from the VA for her husband’s Disability Compensation has stopped being deposited into their bank account, which her spouse managed. Now she struggles to meet her expenses and is afraid she will have to sell their home.
Ultimately, she realizes she must connect with the VA to try to access Survivor Benefits. As she works her way through the bureaucracy, she struggles to understand what she may be eligible for and knows little about what her husband was receiving. This can be overwhelming during the best of times, but during this period of loss, it adds more Stress.
Surviving spouses facing this situation are often approached by agents who offer to help them with VA Benefits in return for payment. Faced with what feels like an insurmountable situation, some agree, even though paying for help is not necessary as many free resources are available to assist them.
Here are some tips to help Veteran’s prevent this type of scenario from befalling their loved ones.
Organizing Veteran’s Benefits paperwork and information in a binder, and/or in a special digital folder that you share with your family. Carefully organize all the documentation related to your Military Service, your Application For Benefits, and the Decision Letters describing Service Connection. Store paper copies in
a fireproof cabinet or safe. It is ideal to scan or photograph paper documentation and to also store it digitally on a computer or thumb drive.
Explain your current Veteran’s Benefits to your family. Schedule a day and time to talk one-on-one with your family about the benefits you receive. Get out your binder and digital files and explain to them how the information is organized. Help them understand the situation as it is today.
Discuss what happens to these benefits after you die and what additional benefits the family may receive. Disability Compensation Payments stop after a Veteran dies. Additional Survivor and
Burial Benefits may be available after a Veteran’s passing. You can learn more by checking online at: https://www.va.gov/Or with a Veteran’s Service Officer (VSO). Plan ahead for possible financial shortfalls. Even if a Survivor Benefit is awarded to a widow or widower by the VA, the payment for this benefit will typically be lower than the Disability Compensation the Veteran received while alive. One way to address this income shortfall before the Veteran dies is to purchase Life Insurance that will provide additional income for the spouse.
Give your family contact information for your VSO. Ideally, your spouse should be
introduced to the VSO, so the spouse knows who can assist with applying for Survivor and Burial Benefits after the Veteran dies. While these conversations can be tough for many, they can better inform and relieve Stress for our families in the future. You want for the people you love to be taken care of after you are gone, so do not delay having these conversations.
Paul R. Lawrence, Ph.D., served as Under Secretary for Benefits at the U.S. Department of Veterans Affairs from May 2018 to January 2021. He is the Author of “Veterans Benefits for You: Get what You Deserve,” published in 2023.
