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If you are missing a pet in Floresville, be sure to check the Floresville holding facility. Animals are only kept for 3 days. Contact Las Lomas K-9 Rescue, 830-581-8041.
Lost: Pug, 1-year-old male, on FM 887 between CR 228 and CR 229, answers to Beaver, (he's bi-lingual), grandkids miss Beaver. Call 210-422-4608. 
Lost: Black manx cat (no tail), neutered male, medium build, shy, answers to Bear. Reward! 210-635-7560.
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Help Wanted

The City of Floresville is currently accepting applications for the following positions: PERMIT TECHNICIAN/INSPECTOR (1). A complete job description and application form may be obtained at City Hall, 1120 D Street, Floresville, Texas 78114, Monday–Friday, 8:00 a.m.–5:00 p.m.; or Floresville website, www.cityoffloresville.org. Deadline to submit application is 5:00 PM on Monday, December 1, 2014. The City of Floresville is an equal opportunity employer and does not discriminate based on race, color, religion, sex, nationality, related medical condition or handicap.
OSC Energy is looking for a Sales Rep. with a minimum of 2 years experience, CDL a plus, also clean cut appearance. Also, in need of Mechanic with a minimum of 2 years experience, also experience in heavy equipment. Also, in need of Field Technicians. TOP PAY and BENEFITS. Will do pre-employment background check, and random drug testing. Qualified candidates send resume to Teika@oscenergy.com
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Savvy Senior


How to choose a Medigap Supplemental Policy




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Disclaimer:
Jim Miller is responsible for this content, which is not edited by the Wilson County News or wilsoncountynews.com.
Jim Miller
April 10, 2013 | 1,469 views | Post a comment

Dear Savvy Senior,

I’ll be 65 in a few months -- Medicare enrollment age -- and am thinking about getting a Medicare supplemental policy to help cover things outside of Medicare. Can you give me some advice on choosing a plan?

Shopping Sam

Dear Sam,

If you’re planning to choose original Medicare for your health coverage, getting a supplemental policy too (also known as Medigap insurance) is a good idea if you can afford it, because it will help pay for things that aren’t covered by Medicare like copayments, coinsurance, and deductibles. Here are some tips and tools to help you choose an appropriate plan for you.

Medigap Plans

Medigap policies, which are sold by private health insurers, come in 10 standardized benefit packages labeled as the letters A, B, C, D, F, G, K, L, M, and N.

Plan F is the most popular, followed by plan C because they provide the most comprehensive coverage. Plans M and N, the two newest options, are cost sharing plans that have cheaper premiums which make them appealing to healthier retirees who don’t use as much health care.

If, however, you live in Massachusetts, Minnesota, or Wisconsin you have different standardized Medigap plans that you can buy. For more information on the different types of plans, call Medicare at 1-800-633-4227 and ask them to mail you a free copy of the “Choosing a Medigap Policy” guide (publication 02110), or see medicare.gov/pubs/pdf/02110.pdf.

How to Choose

To choose a policy, consider your health status and family medical history. The differences among plans can be small and rather confusing so you’ll need to do some homework to pick a plan that works best for you.

To help you choose, use the Medigap online search tool at medicare.gov, and click on “Supplements & Other Insurance” at the top of the page, then on “How to Compare Medigap Policies.” This tool will breakdown what each plan covers along with premium cost ranges, and lists the companies that offer them in your area.

Since all Medigap policies with the same letter must cover the exact same benefits, you should shop for the cheapest policy.

You’ll get the best price if you sign up within six months after enrolling in Medicare Part B. During this open-enrollment period, an insurer cannot refuse to sell you a policy or charge you more because of your health.

You also need to be aware of the three pricing methods, which will affect your costs. Medigap policies are usually sold as either “attained-age” policies which are premiums that start low but increase as you get older. “Issue-age” policies that increase prices due to inflation, not age. These policies may start out a little more expensive than attained-age policies but generally have few rate increases over time. And “community-rate” policies, where everyone in an area is charged the same premium regardless of age. Issue-age and community-rated policies will usually save you money in the long-run.

No Drug Coverage

You also need to know that Medigap policies do not cover prescription drugs, so if you don’t have drug coverage, you need to consider buying a separate Medicare Part D drug plan too. You can compare plans and cost at medicare.gov/find-a-plan. Also note that Medigap plans do not cover vision or dental care, hearing aids or long-term care, either.

Alternative Option

Instead of getting original Medicare, plus a Medigap policy and a separate Part D drug plan, you could sign up for a Medicare Advantage plan that provides all-in-one coverage. These plans, which are sold by insurance companies, are generally available through HMOs and PPOs. To find and compare Advantage plans visit medicare.gov/find-a-plan.

If you need help, contact your State Health Insurance Assistance Program (SHIP), which provides free Medicare counseling. See shiptalk.org, or call 1-800-677-1116 to locate a counselor in your area.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.
 
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