RETHINKING THE “I’M OLD” MYTH

Now that I’m a senior advocate and activist, I find that many things that used to be funny are now insulting.  Recently, Julie Andrews did a performance to benefit AARP at Radio City Music Hall. It was her 79th birthday.  To be funny she rewrote the words to “My Favorite Things”, here is one of the four verses: “Cadillacs and cataracts, hearing aids and glasses, Polident and Fixodent and false teeth in glasses, Pacemakers, golf carts and porches with swings  . . . these are a few of my favorite things”

Is this funny?  Not to me.  Yet, she received a four minute standing ovation and several encore requests.  Apparently, I’m in the minority.  However, I think the truth lies in the difference between the Greatest Generation and the Baby Boomers.  Ms. Andrews is part of the Greatest Generation and I suspect her audience was, as well.

First, Cadillacs are no longer and “old peoples car”, secondly cataracts now mean that if you have them and remove them — there is a lens placed in your eye so you no longer need glasses!  Hearing aids?  I’m confident that one day I might need them and with any luck Bose will have them for $500 instead of $5000.  I don’t need Polident or Fixodent and neither did my Mother and she was 88 when she died.  If you go to my dentist, Dr. Friedman. you won’t need them either!

More importantly, let’s think of how lucky we are!  In today’s world of we know how to fix things – falling thighs, exercise!  Cataracts — Medicare pays to have them removed and new lens inserted which means no more glasses! (Or at a a minimum, only for reading tiny print.)  For our teeth, we have implants!  And, if you want to tuck in the chin, eyes, tummy, face —- well, there is my doctor, John Martin and Mike Kelly.  Both are Key Biscayne residents and Dr. Kelly has a column in this paper. 

Bottom line – yes, growing older takes its toll but in todays world we can fight against it.  We’re all aware of exercise and diet.  We know if we simply walk 3 or 4 times a week we live longer,  And, yes, fried foods are a guilty pleasure  . . . which, from time to time we should indulge!  But, for the most part, let’s celebrate those lines  . . . and, if you don’t like them — get rid of them.

Medicare Supplement Insurance . . . It Can Be Tricky

George, an 85 year old, was surprised when he received a $4000 bill for his pacemaker replacement procedure, after he was told that it would cost him $250.   He’d called his Medicare Advantage plan before the procedure and was told that he would be responsible for a $250 inpatient hospital co-pay.  Unfortunately, the hospital and the doctor’s office did not tell him that his procedure would be done as an outpatient with an overnight stay.  He stayed overnight but since he was never an inpatient, the bill was applied to his $6500 deductible for outpatient services.  

It’s a constant refrain!  You’re a senior, on medicare, you do everything you’re told but somehow you still owe $4000.  Again – these insurance companies DO NOT WATCH OUT FOR SENIORS and make the simplest of “medical procedures” complicated on the non-medical side.  A simple medical procedure mixed with insurance is like a game with no rules.  It doesn’t matter what plan you choose, there is still many a “slip between cup and lip”.  No other industry in the U.S. is allowed to operate this way.  It’s illegal!

This is especially true if you have a Medicare Advantage plan. These plans are less expensive than regular Medicare with a supplement for a reason.  They may add extra benefits, but they are often more complicated to understand. So what do you need to do to avoid surprises or issues? Plan ahead, ask a lot of questions and advocate for yourself, your partner, your family members or call Parent Your parents.  We can do it for you. 

Parent Your Parents is pleased and proud to announce the advent of Ann McGuire, R.N. to our growing group of experts.  Besides being a RN she is also a certified case manager and knows the pitfalls of senior insurance issues.  Please go to our website, ParentYourParents.com to see her photo and biography.  She and I will be collaborating on more articles to assist you with getting through the insurance maze  . . . little things like what to do if you’re sent to the emergency room.

Bottom line:  remember – insurance when going to a clinic or hospital for any procedure can be very tricky.  It’s not because the doctor wants to charge you more, it’s because of the intricacies of how Medicare Advantage plans work.  

VIVE LA VIDA BUENA (LIVE THE GOOD LIFE)

From March 6 to April 8 of this year, I experienced five deaths of people I consider part of my life.  Two were wonderful  with whom who I had the pleasure of sharing some time and three were dear friends.  All were under the age of 75.  Only one of these deaths was from cancer — the other four were unexpected and left families and friends reeling.

There is, in my humble opinion, only one way to conquer death — live a good life. Perhaps my previous columns have been too obtuse  . . . so let me make it clear — you must preplan to age gracefully and comfortably.  We all have different needs and it is YOUR needs that must be met.  It seems that as we age we view ourselves as less relevant but are we really?

When people talk about living a good life they discuss “paying it forward”, or being kind to your neighbors, or creating world peace in your environment.  I’m pragmatic, therefore I view living a good life as being relevant and keeping my and body healthy.  How do we do that?  Easily, we plan.  Once we begin using medicare I suggest we begin to plan for our last years — which in today’s world is 80 to 100.  The longer you live, the longer you will live.  But, and its a big but, we want to live it well . . . and that means having to deal with the senior care/elder care bureaucracy.

I have a plethora of columns discussing how ‘institutions’ are obstacles not cheerleaders — why – because “seniors” are not valued and easy targets. The exact opposite is the real truth – we vote, we pay taxes, our children are the current workforce and we have experience.

To that end, how do we stay relevant?  It’s easy, preplan!   Whether you have parents or a partner who is older you have to discuss how to stay healthy, both mentally and physically.  Some of the mental health is dependent on financial health. What insurance policies are available?  How many financial accounts are there?   Does the home and financial accounts transfer without going through probate?   These are DIFFICULT! conversations but once done provide true peace of mind.

So, I urge you to look at the non-medical side of your life and begin to ask yourself, your partner or your parents the tough questions then find the solutions so that we can all “Vive La Vida Loca.”

To recap:

  • Are the financial instruments in order
  • Are the legal documents in order
  • Is your house “too much”, does it need de-cluttering or should you move
  • Are you, your partner/spouse or parents healthy

ARE YOU HAVING FUN?!?

LET’S DO THIS!