Category: Articles

  • Walking on an Underwater Treadmill

    OctNov2016 - walkingonunderwater_image1

     

    Underwater treadmills (UTM) are revolutionizing physical therapy and fitness. Top athletes are utilizing UTM or treadmill pools for peak performance or speedy recovery after an injury. Underwater walking is very different from land-based walking, especially regarding shock absorption, energy expenditure and muscle activity.

    Those with chronic conditions like osteoarthritis (OA) often avoid walking for exercise due to increased pain. In a study at Utah State University, OA patients reported a 140 percent increase in pain during land treadmill exercise compared to pain experienced during UTM sessions.

    UTM users can exercise much longer against water resistance, increasing oxygen consumption and calorie burning.

    Muscle activity is also higher, leading to greater hip, leg and foot strength, as well as improvements in core muscle groups throughout the body.

    Many physical therapy clinics and athletic training rooms offer these systems — either self-propelled or motorized.

     


    MOON PHYSICAL THERAPY, LLC
    320 Ward Ave., Ste. 107, Honolulu HI 96814
    Aquatic, Land-based and Manual Therapy and 
Cardiopulmonary Rehab Programs
    808-597-1005  |  www.moonpt.com

    Walking on an Underwater Treadmill by Julie Moon, Physical Therapist from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Secret Money for Veterans

    OctNov2016 - secretmoney_image1Many veterans believe that they have to have suffered an in-service disability to qualify for U.S. Department of Veterans Affairs’ monetary benefits. This is a common misconception.

    Depending on their health status, income and assets, many senior veterans and their dependents or surviving spouse can qualify for not only basic “Improved Pensions” based on low income, but also for supplemental benefits. The supplemental benefits are called “Housebound Benefits” and “Aid & Attendance Benefits.”

    PENSION BENEFITS

    To qualify for any of these pension benefits, the veteran (or surviving spouse, based on the veteran’s military service record) must satisfy the following general criteria:

    • The veteran must have served at least 90 days of active duty.

    • At least one of the 90 days of active duty must have been during wartime. Dates have been officially defined for the beginning and end of World War II, the Korean War and the Vietnam conflict. The Gulf War, which began Aug. 2, 1990, is not concluded yet.

    • The veteran must have received a discharge other than dishonorable.

    • The claimant and household must have limited income and assets.

    • The claimant must have a permanent and total disability at the time of application (note that a surviving spouse can qualify for a basic low-income pension without being disabled, but the veteran must be disabled — although the disability does not have to be related to wartime or military service).

    • The disability must have been caused without the willful misconduct of the claimant and must not have been due to alcohol or drug abuse.

    HOUSEBOUND & A&A BENEFITS

    As the name implies, Housebound Benefits are payable when the claimant is substantially confined to his or her home because of permanent disability. To qualify for Aid & Attendance Benefits, the claimant must:

    • Require the aid of another person in order to perform personal functions for everyday living 
(such as bathing, eating, dressing, toileting, transferring from bed to a wheelchair or dealing with incontinence), OR

    • Be bedridden, in that he or she must remain in bed apart from any prescribed course of convalescence or treatment, OR

    • Be a patient in a nursing home due to mental or physical incapacity, OR

    • Be blind or have very poor vision.

    Applying for these supplemental benefits is not a quick or simple process, and you may want to enlist the help of a veterans’ assistance organization or a specially-trained individual. Note that whoever assists with the application cannot charge a fee for that service. However, if the individual or organization performs other services, fees may be incurred.

     


    SCOTT MAKUAKANE, Counselor at Law
    Focusing exclusively on estate planning and trust law.
    www.est8planning.com
    O‘ahu: 808-587-8227  |  maku@est8planning.com

    Secret Money for Veterans by Scott A. Makuakane, Counselor at Law, Est8Planning Counsel LLLC from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Bindi: A Therapy Dog for Veterans

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    Bindi and Rona marched with Vietnam Veterans of America on July 4th. Photo by George Barlet, VFW.

    Meet my nine-year-old American Champion Italian Greyhound, Blanerne Utoroonga, called “Bindi,” a therapy dog who visits wounded warriors at Tripler Army Medical Center (TAMC) in the Red Cross Human Animal Bond (HAB) program. She passed the AKC Canine Good Citizen® (CGC) test, a temperament evaluation by a military veterinarian, and evaluation by a senior HAB handler and her dog. She proudly wears her HAB bandana with patches and Bindi Adams ID card when working at TAMC. She’s a smart cookie, and fully certified to help patients with medical, mental and social problems.

    Patients love Bindi. She’s a cuddler and her sleek fur is smooth to the touch. She has sad eyes that bring out the best in people and she’s a very good listener. She politely accepts healthy snacks — but secretly prefers chicken nuggets.

    Bindi also belongs to Tails of Aloha (TOA), an all-volunteer, animal-assisted therapy organization that offers comfort and de-stressing in schools, hospitals and libraries. To volunteer with your pet, visit the websites below.

     


    RED CROSS HAB PROGRAM  |  www.redcross.org
    TAILS OF ALOHA  |  www.tailsofaloha.com

    Bindi: A Therapy Dog for Veterans by Rona Adams, RN, Vietnam Veteran, U.S. Army Nurse Corps from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Prepare for Retirement Milestones

    Aging investors face eight milestone decisions dictated by Social Security, Medicare and the IRS, that will likely impact their retirement savings and investment portfolio. Take steps now to prepare.

    OctNov2016 - prepareforretirement_image1Age 50: IRS rules for 2016 allow those 50 and older to increase their retirement savings by investing an additional $1,000 per year (for a maximum of $6,500) in each IRA, and another $6,000 per year (to a maximum of $24,000) in a workplace retirement plan such as a 401(k).

    Age 55: If you retire in the year you turn 55 or later, this is your first opportunity to take penalty-free withdrawals (income taxes still apply) from employer-based qualified retirement plans. While tapping into your retirement income may make sense for you, before taking action, consider the impact early withdrawals will have in later years.

    OctNov2016 - prepareforretirement_image2Age 59½: You may begin to take penalty-free distributions from IRAs and potentially from qualified work plans (check with human resources to see what rules apply to you). Again, early withdrawals from your nest egg put your long-term financial stability at risk. Taxes are due on distributions attributable to pre-tax contributions and earnings.

    Age 62: You may start receiving Social Security (SSA) benefits, or wait until a later age and receive a larger benefit. If you begin benefits at age 62 and are still employed, your SSA check may be reduced until you reach full retirement age (defined below).

    OctNov2016 - prepareforretirement_image3Age 65: You qualify for Medicare coverage. You’ll automatically be enrolled in Medicare Parts A and B if you’re receiving Social Security at this time. Otherwise, you need to apply for Medicare during the three months before or after your 65th birthday month. Medicare is complex, so take time to learn all your options.

    Age 66–67: Depending on your birth year, Social Security “full retirement age” is 66 or 67. Visit www.ssa.gov/planners/retire/retirechart to learn which age applies to you. If you waited until now to receive Social Security benefits, you’ll have more ways to structure your benefits. Married couples have many options, so be sure to coordinate your decisions with your spouse.

    OctNov2016 - prepareforretirement_image4Age 70: If you haven’t claimed Social Security yet, there is no advantage to waiting beyond age 70. You may consider donating your benefit amount if you have other investments that cover your expenses.

    Age 70½: By April 1 of the year after you turn 70½, you must take a Required Minimum Distribution (RMD) from your traditional IRA accounts and workplace retirement plans. Instructions for calculating your RMDs can be found in IRS Publication 590 at www.irs.gov. Distributions must be taken from every account subject to this rule, or penalties (50 percent of the amount of the RMD) will be incurred.

    To make these milestone decisions with confidence, consider hiring a financial advisor to look over your current financial position and retirement goals and help you navigate the best route.

    There’s never a better time than now.

     


    MICHAEL W. K. YEE, CFP
    1585 Kapiolani Blvd., Ste. 1100, Honolulu HI 96814
    808-952-1222, ext. 1240  |  michael.w.yee@ampf.com

    Michael W. K. Yee, CFP®, CFS®, CLTC, CRPC®, is a Financial Advisor, Certified Financial Planner ™ practitioner with Ameriprise Financial Services Inc. in Honolulu, Hawai‘i, with Na Ho‘okele Financial Advisory Team, a financial advisory practice of Ameriprise Financial Services Inc. He offers fee-based financial planning and asset management strategies and has been in practice for 29 years.Investment advisory products and services are made available through Ameriprise Financial Services Inc., a registered investment adviser. Ameriprise Financial Services Inc. Member FINRA and SIPC
    © 2016 Ameriprise Financial Inc. All rights reserved. File #1552807

    Prepare for Retirement Milestones by Michael W. K. Yee, Financial Advisor and Certified Financial Planner from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Older Americans Month Awardees

    Generations Magazine - August-September 2016 - Older-Americans_image1
    Older Americans Month 2016 Honorees
    (L–R, front row) Shirley Simbre-Medeiros & Edward Kawamura (Kaua‘i), Gail Yuen & Jimmy Lee (O‘ahu), Kathleen Phillips & John Tryggestad (Maui), Claire Inman & Roy Haslip (Hawai‘i County), (back row) Kealoha Takahashi (AAA, Kaua‘i), Nalani Aki (EAD, O‘ahu), Kimo Alameda (AAA, Hawai‘i County), Gov. David Ige, Debra Stone-Walls (AAA, Maui), Caroline Cadirao (EOA), Joy Miyasaki (PABEA chair), Rep. Gregg Takayama (emcee).

    On June 3, the State of Hawai’i honored eight citizens over 60 years of age who are making a difference in their communities. The governor and state officials honored the awardees at a luncheon at Kahala Nui Living Center. Every year, as a part of celebrating Older Americans Month, the state recognizes the contributions of two community volunteers (over age 60) from each major island: O‘ahu, Hawai‘i, Maui and Kaua‘i. Each Area Agency on Aging (AAA) receives dozens of nominees from community groups, senior centers and churches. State offices and agencies, led by the Executive Office on Aging, host the award luncheon, which is organized by the governor’s Policy Advisory Board for Elder Affairs, (PABEA).

    Generations Magazine - August-September 2016 - Older-Americans_image3
    (L–R) Nalani Aki, director, Elderly Affairs Division, Honolulu; Rev. John Tomoso, PABEA, Maui; Adele Rugg, PABEA, Maui; and Leonard Fabro, EAD, Honolulu.
    Generations Magazine - August-September 2016 - Older-Americans_image2
    Ernest Harada entertains on stage, accompanied by Lorna Kaeck and keyboardist Don Conover.

     

     

     

     

     

     

     

    Older Americans Month Awardees by Generations Magazine Staff from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Team Huddle and Huckleberry Pie

    As family caregivers lovingly cater to their ill or dying elders, they could make three mistakes that might harm themselves and their family. Alone and exhausted, they cannot sleep. Stress leads to illness and 60 percent of caregivers end up in the hospital before their parents — some even predecease their parents.

    One of the quickest ways to lighten the load is to share the work. Form compassionate support teams by inviting others to join a common goal to carry out tasks, laugh, cry and groan together.

    Annette Pang’s “Magical Moments Workshops” have reached over 1,000 caregivers and found family teams with can-do attitudes quietly sacrificing for their elders. Do you consistently invite and enroll teammates to join you and roar in unison like a football team (chanting “strawberry shortcake, huckleberry pie,”) or are you all by your lonesome, working endless shifts?

    The Jackson, Carol and Dr. Cass Nakasone family —“Team Shirley”— deserves a trophy for courageously caring for their sister/aunt. How did they do it? They asked for help.

    Please join “Team Annette” to support the three-mile Alzheimer’s Association Walk on Sept. 3 at Magic Island. I am a wimp, but I will keep up with you so we can all cross the finish line together.

    Visit www.annettpang.com for more information and sign up today. Bring your elders — wheelchairs, rolling walkers, canes and all!

    And… it’s my 70th birthday — another great reason to cheer!

     


    LIFE COACH VILLAGE, LLC
    Annette is a Relationship Coach and founder of 
Life Coach Village, LLC.
    808-372-3478  |  www.annettepang.com

    Team Huddle and Huckleberry Pie by Annette Pang, Relationship Life Coach from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Summer Tips for Senior Travelers

    Generations Magazine - August-September 2016 - Summer-Travel-Tips_image1

     

    1. Arrive at the airport three hours before departure during the busy summer months. If you’re 75 or older, you do not have to take your shoes off at the security checkpoint. If you need assistance, ask for a wheelchair when you make your reservation. When you arrive at the airport, tell the skycap that you ordered a wheelchair. Be sure to read all the latest airline rules when you buy your ticket.

    2. For free drinking water, just pack an empty bottle in your carry-on and fill it from a water fountain on the secure side of the checkpoint.

    3. Bring snacks: trail mix, chips, dried fruit or candy. All foods must be wrapped or in some kind of container that can be opened for inspection.

    4. Bring a washable travel pillow and light travel blanket if your airline does not provide them. In your carry-on, pack a hooded jacket or scarf and a light travel blanket to keep your head, neck and legs warm during or between flights.

    5. Bring reading material, games or movies to watch on your iPad. When you buy your ticket, ask how to use the airplane’s WiFi system.


    VACATIONS HAWAII
    1585 Kapiolani Blvd., #900, Honolulu HI 96814

    Kevin Kaneshiro, Sales and Promotions Manager 
808-591-4777 | www.BoydVacationsHawaii.com
    For further traveling information, visit 
www.tsa.gov/travel/special-procedures

    Summer Tips for Senior Travelers by Kevin Kaneshiro, Vacations Hawai‘i from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Grandparents Educating Grandchildren

    Grandparents hold important positions as educators here in Hawai‘i as an increasing number of them pitch in to provide pertinent learning for their grandchildren not necessarily taught at school. Grandparents may not hold special degrees, but plenty of on-the-job experiences make them experts in keeping the family together and on the right track.

    Generations Magazine - August-September 2016 - Educating-Grandchildren_image1
    Thanaphon Schmidt, Grandma and Pamela Lee, passing on a joy of reading.

    We talked with Pamela Lee and Sam Kim at Sylvan Learning Center, Kahala, who say they are seeing more grandparents enrolling their grandchildren in Sylvan programs to help them catch up, maintain their grades and get ahead in school.

    Sylvan Learning programs offer support help to students in all areas, including reading, writing, math, homework help, study skills and test preparation. STEM (science, technology, engineering and math) programs have also been added to the many curriculum choices.

    On national achievement tests, Hawai‘i public school students score below average in most categories, including language and STEM skills. Our state educators are trying to fix that, but in all likelihood, not before your grandchildren graduate from high school.

    For 30 years, Sylvan Learning Center has provided generations of Honolulu students — all ages and grade levels — with supplemental education. This year, Sylvan is also providing free afterschool classes to about 400 children across the islands, which are administered by Boys and Girls Clubs and funded by a federal grant.

    Generations Magazine - August-September 2016 - Educating-Grandchildren_image2
    Kiley Tanimura, Mikela Agno and Grandma — looking 
forward to learning.

    “Parents are really burdened with multiple jobs while maintaining a home that may house three or four generations,” said Kim. “Grandparents who grew up in Hawai‘i got an excellent public education, so they can see when their grandchildren need help. The easiest way to help is to supplement their schooling.”

    Sylvan Learning tests students to identify missing skills. If a student feels confused by math, testing will show which math skills are lacking and close the gap by helping the student master them. Filling in these gaps and catching up gives the child confidence to tackle math homework, and learning becomes fun again.

    “Supporting your grandchild’s education is the best way to stay involved,” said Lee. “Students with family members supporting and encouraging them at home just do better in school overall.

    Generations Magazine - August-September 2016 - Educating-Grandchildren_image3
    Seth Heller, Aia Heller and Grandma on the road to 
academic success.

    “Grandparents bring us their mo‘opuna and we teach them exactly what they need to learn in order to succeed in school.”

    Educators recommend that when the opportunity arises, seniors get involved in their grandchildren’s education.

    It is a gift that will keep giving and an opportunity for you to know that you had a hand in your grandchildren’s 
future success.

     

     

     


    SYLVAN LEARNING SYSTEMS
    4211 Waialae Avenue, Ste. 30, Honolulu HI 96816
    808-735-8811  |  www.sylvanlearning.com/kahala

    Grandparents Educating Grandchildren by Generations Magazine Staff from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Uncle Roberto: Love Life and Live It!

    Generations Magazine - August-September 2016 - Uncle-Roberto_image1Persons with the will to endure and turn adversity to success inspire us. Meet Uncle Roberto Deuriarte from Maui. From his soft voice and amiable manner, you would never guess his story. He comes from a fine family in Mexico City. In second grade, polio nearly killed him. He missed two years of school and never regained feeling in his right leg. “I learned early that you can endure a lot more than you think you can,” Uncle said with a smile. In his teens, surgery to stimulate his bad leg was tortuously painful. “Running marathons is nothing, compared to that,” he said.

    Generations Magazine - August-September 2016 - Uncle-Roberto_image2
    (L–R) Kenny Moore, Olympic marathoner and biographer of Bill Bowerman, founder of Nike Inc.; Roberto; and Dr. Jack Scaff, Honolulu Marathon founder.

    After college in Mexico, Roberto won a scholarship to study architecture at Stanford, which required that he first work in Honolulu for six weeks. Later, he returned to Hawai‘i and helped Dr. Jack Scaff, famous cardiologist and organizer of the Honolulu Marathon, prepare folks for long-distance running, according to the book Your First Marathon. “I was a great motivator, said Deuriarte. “They watched me run and said, ‘If he can make it from Aloha Tower to Kapi‘olani Park, so can I.’”

    In 1980, Roberto finished his first of three Iron Man Triathlons and ran the Honolulu Marathon. He and Dr. Duncan MacDonald (now coaching at Punahou School) were featured on the cover of Northern California Running Review. MacDonald passed mile 24 on his way to victory and touched hands with Roberto, still headed out at mile six, with five more hours to go. The article said,“… Deuriarte was paying the same athletic dues as MacDonald, and both of their times made them champions.”

    Generations Magazine - August-September 2016 - Uncle-Roberto_image4A
    Since then, Roberto finished 36 marathons, a 169-mile bike race and the Waikīkī Rough Water Swim. He represented Mexico at the 2008 Paralympic Games. He is a heavy equipment operator, carpenter, mechanic, pilot and land crew for Hawai‘iloa and Hōkūle‘a. He’s also a fabulous cook, a fan of beer and Bob Dylan music, and faithful to the love of his life, Maui artist Emily Ball. If you ever need a lift, a few minutes of Roberto’s optimism will get you back on track!

    Uncle Roberto: Love Life and Live It! by Katherine Kama‘ema‘e Smith from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • If Lois Can, Then How About You?

    Generations Magazine - August-September 2016 - If-Lois-Can_image1
    “I know the arthritis isn’t going away, but I refuse to let it slow me down.” — Lois

    I met Lois Kelsey in 2004 when speaking at a Mary Kay consultants’ meeting.

    Lois told me her husband was diagnosed with Alzheimer’s disease. “I’m concerned that I won’t be able to care for him if I don’t get help with some strength and flexibility,” she said. Lois was active most of her life, raising four children as well as three boxer dogs that she trained and entered in shows. Even though she did all her own yardwork (mowing her large property and trimming trees), she needed to balance and strengthen all her muscles. Muscle imbalance and tightness is the cause of a lot of aches and pains!

    Lois worked out with me in 2008 until her husband’s Alzheimer’s got severe. Her husband passed away in 2009 and she came back to see me in 2011. Now challenged with balance issues and arthritis in her spine, hips and hands, she wanted to get back to a regular training regimen. “I did my research and I know not moving would be the worst thing for me with arthritis,” said Lois.

    We started doing specific exercises to address problem areas (see photos). We also improved her diet with more greens and less sugar intake to lower the amount of inflammation in her body. Arthritis feeds off sugar!

    Lois turns 87 in July and continues to function independently without drugs. Lois is an inspiring example of not giving in to old age, no matter how big the challenge. She is staying independent through proper diet and exercise. Go Lois!


    The Importance of Spine, Posture & Balance

     

    Generations Magazine - August-September 2016 - If-Lois-Can_image2

    1) Arrow: This exercise opens the chest for better posture and also lengthens and strengthens the spine to minimize spinal compression.

    Generations Magazine - August-September 2016 - If-Lois-Can_image3

    2) Forward Lunge: This one strengthens and stretches the front of the hip, which is very important if you sit a lot. It also strengthens the “glutes,” (buttocks muscles), which are major stabilizers for balance.

    Generations Magazine - August-September 2016 - If-Lois-Can_image4

    3) The Superman: This helps stabilize the spine to improve strength, function and range-of-motion, which leads to less pain. Both the Superman and the Arrow may be done on the floor — adding the ball can help improve balance.

     


    SHAPING UP FITNESS STUDIO
    Mililani and Downtown: 250 Ward Ave., Ste. 206

    808-221-3905  |  shapingup@hawaii.rr.com
  |  www.shapingup808.com

    If Lois Can, Then How About You? by Diane Cadinha, Certified Personal Trainer, ACE, NASM from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • From Woodstock to Medicare

    Generations Magazine - August-September 2016 - From-Woodstock_image1Did you know 22 was the average age of those who attended New York’s historic Woodstock Festival in August 1969? More than a half-million hippies or wannabes rocked to the music. If you do the math — you guessed it — the Woodstock generation is aging into Medicare or already there. Back in January 1970, Tom Moffat’s Hawai‘i version of Woodstock, aka, the Sunshine Festival or Diamond Head Crater Festival, featured Carlos Santana, along with Journey, Styx and others. So where are the hipsters today? They are still dancing to the beat of the music. I witnessed it recently at the “Battle of the Bands” reunion concert featuring Hawai‘i high school rock bands formed in the ’60s that still crank out tunes today to sold-out venues. I danced for hours as the bands — Loving Sounds 34, Audissey and Wasabi performed. Next, I was dancing at a sock hop featuring music and fashions of the ’60s. DJ Doug Oshiro was fabulous. To push the event over the top, he introduced Linda Green of Tempos. She sang her hit tune, My Little Japanese Boy, to cheering fans. Outspoken and rebellious, the youth of the ’60s redefined the nation, Hawai‘i and the world by disrupting the status quo. If the World War II generation is known as “the greatest,” then the Woodstock generation, even as they reach Medicare age, will be remembered as “the coolest,” as they rock and roll through their retirement years.

     


    MEDICARE MOMENT WITH MARTHA
A radio program with Martha Khlopin
    KHNR 690AM: Saturdays Noon and Sundays 9:30am
    99.5FM The Word: Saturdays 1pm

    808-230-3379  |  getmartha@aol.com

    From Woodstock to Medicare by Martha Khlopin, Host of “Medicare Moment with Martha” from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life

  • Medicare Facts You Need to Know

    Generations Magazine - August-September 2016 - Medicare-Facts_image1More than 50 years ago, the federal government established programs designed to help Americans afford healthcare services called Medicare and Medicaid. Since both of these programs involve many variables, they require some study. To provide insight into how the coverage works, here are some facts you might not know about Medicare:

    Medicare and Medicaid Provide Most of the Same Services

    That’s true for some people. Medicare is for persons 65 and older or with other qualifying conditions, while Medicaid is for lower-income Americans based on financial need.

    Medicare Coverage has Four Parts

    • Part A covers inpatient stays in hospitals, skilled nursing facilities, hospice facilities and sometimes, home-based healthcare services.

    • Part B covers doctor visits, durable medical equipment, home health services and qualified preventive services. Parts A & B are sometimes called “Original Medicare.”

    • Part C (Medicare Advantage plans) combines Part A, Part B and usually prescription drug coverage from private insurers.

    • Part D covers outpatient prescription drug coverage from private insurers. You must be enrolled in Part A or Part B to receive Part D coverage.

    Medicare is Not Free for Most of Us

    While Part A comes with no monthly premium if you have a 10-year history of paying Medicare taxes, unless you qualify for assistance, you will be responsible for deductibles and coinsurance costs. For example, the deductible for 2016 is $1,288 for each benefit period and coinsurance varies with the length of the hospital stay. The part B premium is $121.80 but most persons only pay $104.90. Beneficiaries with incomes that exceed specific thresholds may pay more.

    With Original Medicare, There are No Networks to Worry About

    You’re free to go to any doctor or hospital that accepts Medicare, even outside of your home state.

    You May Need Supplemental Insurance in Addition to Medicare

    There are limitations to Medicare coverage, therefore, you may need additional coverage depending on your current or future health needs. Carefully review what each part covers before enrolling and ask other insurance providers how their coverage complements Medicare.

    The federal government and most states provide resources to help you understand your options and guide you through the Medicare enrollment process. Be prepared — start learning more today, so you’re ready when you become eligible for Medicare coverage.

     


    MICHAEL W. K. YEE, CFP
    1585 Kapiolani Blvd., Ste. 1100, Honolulu HI 96814

    808-952-1222, ext. 1240  |  michael.w.yee@ampf.com

    Michael W. K. Yee, CFP®, CFS®, CLTC, CRPC®, is a Financial Advisor, 
Certified Financial Planner ™ practitioner with Ameriprise Financial Services Inc. in Honolulu, Hawai‘i, with Na Ho’okele Financial Advisory Team, a financial advisory practice of Ameriprise Financial Services Inc. He offers fee-based financial planning and asset management strategies and has been in practice for 29 years.
    Investment advisory products and services are made available through 
Ameriprise Financial Services Inc., a registered investment adviser.
    Ameriprise Financial Services Inc. Member FINRA and SIPC
    © 2016 Ameriprise Financial Inc. All rights reserved. File #347750

    Medicare Facts You Need to Know by Michael W. K. Yee, Financial Advisor and Certified Financial Planner from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life