Category: Date

  • Dr. Rio Banner, MD: Health Visionary

    Dr. Rio Banner, MD: Health Visionary

    In Hawaii, we live an average of 81 years— longer than almost anywhere else in the world. But when it comes to successful aging, the key is to not only live longer, but to live longer as a healthy individual. The way to better health is taking care of ourselves as we age, which helps prevent the decline of our physical and mental abilities. And although any doctor would agree with that, the health care industry has traditionally emphasized treatment over prevention. But things are changing. A new model of health care is emerging—the Medical Home. It focuses on preventive, patient-centered care and has been gradually taking shape nationwide. Dr. Rio Banner, medical director at AlohaCare, tells us about this fundamental shift in our health care system and how it may contribute to a healthier you. As a preventive health specialist, he also gives us a rundown of ways to stay healthier, including cutting-edge therapies that some believe may help to restore a more youthful health.

    GM: Can you begin by telling us a little bit about your background in the medical field?

    RB: Of course. I received my medical degree in 1970 and have a master’s degree in public health, which I earned from the University of Hawai‘i at Mānoa. My interest in medicine was inspired by my cousin, who was a medical missionary in India while I was in high school. After my training, I chose to study public health in Hawai‘i because of its cultural diversity. My 16 years at Wai‘anae Coast Comprehensive Health Center (WCCHC)— first as a staff physician, then additionally as medical director—were so exciting because I was helping everyone from Native Hawaiians to immigrant Southeast Asian families. What a great experience.

    GM: Now you’re the medical director at AlohaCare. How did that come about?

    RB: Back in 1994, the state decided to take bids for the managed care of QUEST, which is Hawai‘i’s Medicaid care for low-income families. At WCCHC, which serves a majority of QUEST recipients, we were concerned that our patients’ care would be diminished, depending on who won the bid. So, we decided to partner with several Hawai‘i community health centers and individual health care providers to create a self-governed, island-wide, non-profit, managed health care plan called AlohaCare that would serve this population best. I left WCCHC at that point to be medical director of AlohaCare and have been here ever since. I’m also an internal medicine consultant at Kahi Mohala Behavioral Health Psychiatric Hospital.

    GM: Can you explain to us what’s happening in health care today? Seems preventive care is a major component of the paradigm shift.

    RB: That’s right—it is. You know, we take preventive measures in other aspects of our lives all the time without thinking about it. For example, most of us understand that changing our car oil periodically will help our car run better and longer. And, it can cost less than fixing the problems that could otherwise develop. Same with people! So this is the direction health care is heading. The recent Health Care Reform is said to be based on the philosophy of prevention.

    GM: Can you outline the foundations of this new health care model?

    RB: It’s called the Medical Home model, and it’s been developing since at least the 1960s—in fact, Hawai‘i’s community health centers have been using core aspects of it for years. In a nutshell, it’s a fully interactive, team-based approach to care.

    Who’s on the team? To begin with, you are. You are the center of the team. You know yourself best, and you are the only person who can make healthy lifestyle choices for yourself. Supporting you are health care providers, such as a primary care provider, nurses, specialists and insurers; other experts, such as behavioral health specialists, dietitians and outreach workers; and, if you choose, your family members. Your team works together, creating a web of health care knowledge about you and supporting your optimal health, both when you’re well and when you’re not.

    GM: What do you mean when you say “your team works together”?

    RB: First of all, a major component to teamwork is sharing information. Organizations are going electronic with health records, enabling providers to pull up a patient’s medical history, including pharmaceuticals, on the spot. That means your entire Medical Home team—including you—will be able to easily review your complete medical records and make better health care decisions because of it.

    Second, the way we interact with our doctors is going to change. You’ll still have a “home” doctor, or primary care provider. But instead of just seeing one doctor at a time, as we typically do today, you may sometimes see several providers—say, for example, your primary care provider, a nurse practitioner and a specialist—all together in the same room during your appointment to talk about your care. G

    GM: For those of us in our older years, how’s this new model of care going to be a benefit?

    RB: Seniors will find this team-oriented health care approach helpful for many reasons. According to the U.S. Census, about 80 percent of older Americans have at least one chronic health condition, and 50 percent have two or more. Naturally, then, they tend to spend more time at the doctor and take more medications than younger folks. It becomes increasingly difficult to navigate the health care system and track prescriptions, follow-up appointments, test results, etc. But the new system keeps dots connected and you at the center of the action. The result? Better care and ultimately better health.

    GM: Intuitively speaking, this sounds really great. But what’s it going to cost us?

    RB: What’s expensive is fixing a car after it breaks down, instead of taking better care of it in the first place. That’s what the U.S. is doing now, and costs are through the roof. Of course, that’s a simple answer to a complex question. Sometimes this kind of care may cost a bit more, depending on a patient’s situation. Other times it may cost far less, especially when preventive care is embraced. Numerous studies and pilot programs have been done on the Mainland, even by private employers such as Boeing, with overall results showing a huge cost savings.

    GM: In the meantime, what can we “older folks” start doing to improve healthy longevity?

    RB: I want to say this loud and clear: It’s never too late to improve your health. I hope your readers take this to heart and really start living these suggestions today. Eat nutritious, diverse foods. Exercise every day and maintain a healthy weight. Control your cholesterol level. Take calcium. Drink plenty of water. Always use sunscreen. Get medical screenings on time, such as for prostate cancer, colorectal cancer and glaucoma. Wear your seatbelt. Set up your household to be free of things you can trip over, slip on or fall from.

    GM: Will do. And you promised you’d have something “revolutionary” in the area of anti-aging. What is that?

    RB: That’s right. I’m the father of 13-year-old twin girls, so I have good reason to want to be at my best for as many years as possible. As AlohaCare’s medical director, one of my roles is to research innovative solutions for better health care. And I’ve become very excited about two emerging preventive care opportunities that may soon revolutionize not only the way we think about aging, but literally how we age.

    The first is the explosion of knowledge about our genes—the “information” packets found within the center of each cell in our body. Since the chemical structures of the human chromosome were discovered about 60 years ago, scientists are finding not only the molecular causes of disease, but also the specific treatments for them. Because each person’s genetic code is unique, we’re on the verge of understanding a specific personal prevention, prescription or treatment for each of us to best face age-old challenges such as diabetes, arthritis or cancer. This will be truly personalized care.

    A second opportunity is optional hormone replacement therapy. I’m not referring to certain controversial name-brand hormones currently prescribed for menopause. Rather, they are natural hormones that are exact matches to our body’s hormones, not synthetic molecules. As men and women age, the levels of our natural hormones, such as estrogen, progesterone, testosterone, melatonin, thyroid and Vitamin D, gradually decrease. The more they drop, the more they result in bodily deterioration, which includes anything from fatigue and loss of skin tone to depression, osteoporosis and cancer. By boosting our hormone levels to our younger levels, we can actually improve our immunity and nervous system, and slow deterioration, thereby helping prevent injury and illness.

    GM: Wow. As you continue your research on these subjects, we hope you’ll drop by Generations Magazine again and tell us more.

    RB: I certainly will!


    About AlohaCare – AlohaCare was founded in 1994 by local community health centers to provide managed health care for Hawaii’s most needy and under-served individuals. The non-profit organization has since grown to Hawai‘i’s third largest health care insurer, providing Medicaid (QUEST) and Medicare coverage for more than 75,000 members across the state. AlohaCare contributes to the health of Hawai‘i’s communities by improving access to health care; promoting quality care and disease prevention; and supporting health partnerships, projects and education.

    In Hawaii, we live an average of 81 years— longer than almost anywhere else in the world. But when it comes to successful aging, the key is to not only live longer, but to live longer as a healthy individual. The way to better health is taking care of ourselves as we age, which helps…

  • Beware: It’s the Return of the Estate Tax

    The good news is that the federal estate tax took a vacation in 2010. The bad news is that it spent the whole year lifting weights and taking steroids. The estate tax is coming back in 2011, as big and bad as it has been in a long time. Now is the time to review your estate plan and make changes that could drastically affect how much of your estate goes to your loved ones, and how much goes to the IRS.

    Between 2001 and 2009, Congress gradually reduced the maximum rate of the federal estate tax from 55% to 45%. It also gradually increased the “coupon” (the amount of property that you could pass tax-free) from $675,000 per person in 2001 to $3.5 million per person in 2009. That means that with basic estate planning, a married couple could pass up to $7 million free of federal estate tax, if they both died in 2009.

    Then, in 2010 only, the estate tax was repealed. But like a horror film character who just won’t die, the estate tax returns again on January 1, 2011—only with a $1 million coupon and a 55% tax rate!

    To pay for the 2010 estate tax vacation, Congress replaced the estate tax with an increased capital gain tax. Before 2010, any assets that passed to someone when you died would be valued at fair market value at the date of death. If your surviving spouse or heirs sold any assets that had increased in value during your lifetime, they would not have to pay capital gain tax on any of that growth. This is called a “step-up in basis.”

    But in 2010, property that passes at death does not automatically receive this step-up in basis. Instead, each individual has a limited amount of property that can be “stepped-up” in value at the time of death. Property that does not receive this step-up value will be subject to tax on the increase in value from the date you first acquired the property. This means that the property could be exposed to huge capital gain tax liability if it is sold by your heirs!

    Now is the time to look into how your estate will be affected by the return of the estate tax. Contact your trusted advisors to find out what changes should be made to your “rule book” —the set of documents that will say what happens to your stuff after you are gone. You may have some prime opportunities to make a huge difference in the amount of your estate that goes to your loved ones. You may even be able to “disinherit” the IRS entirely.


    SCOTT MAKUAKANE is a lawyer whose practice has emphasized estate planning and trust law since 1983. He hosts Est8Planning Essentials, a weekly TV talk show which airs on KWHE (Oceanic channel 11) at 8:30 p.m. on Sunday evenings. For more information about Scott and his law firm, Est8Planning Counsel LLLC, check out www.est8planning.com.

    The good news is that the federal estate tax took a vacation in 2010. The bad news is that it spent the whole year lifting weights and taking steroids. The estate tax is coming back in 2011, as big and bad as it has been in a long time. Now is the time to review…

  • Tis the Season for Holiday Scams

    The holiday season is a happy time celebrated with food, family and friends. Unfortunately, it’s also a time for fraud at the hands of identity thieves, computer hackers and deceptive sellers. Hawai‘i’s Better Business Bureau (BBB) offers advice on how to recognize and avoid common holiday scams.

    Online Shopping Scams

    Some Web sites use tantalizingly low prices to lure in victims. If the price seems too good to be true, it probably is. Also, scammers often request wire payment through Western Union or MoneyGram because the money cannot be easily tracked or retrieved. Never wire money to strangers and always use a credit card to pay for items online. If the site or seller is fraudulent, you can dispute the charge with your credit card company.

    Identity Theft at the Mall

    Don’t let yourself be bogged down with packages or so rushed that you lose track of your wallet. Know where your credit and debit cards are at all times, and only carry the ones you’re going to use. Also, cover the keypad when entering your personal identification number while purchasing items or when getting money from the automated teller machine (ATM).

    Phishing E-mails

    Phishing e-mails fraudulently represent a trustworthy source. It is a way for ID thieves to get your personal information, or for hackers to install malicious software on your computer. Beware of unsolicited e-mail from unfamiliar people and companies. Don’t click on any links or open any attachments the e-mail contains. Always be sure your computer has current antivirus software and security patches installed.

    Charitable Giving Scams

    Beware of tear-jerking appeals that tell you little about what the charity or its cause. Ask questions about how your donation will be used. For example, if a charity claims to help the homeless, ask how and where this is taking place. Also, don’t succumb to pressure to give money on the spot. A charity that needs your money today will welcome it just as much tomorrow … after you’ve confirmed that it is legitimate.

    Have a happy, scam-free holiday!


    Bonnie Horibata is vice-president of Hawai‘i’s Better Business Bureau. BBB provides objective advice, business and charity reports, and information about topics affecting marketplace trust at bbb.org.

    The holiday season is a happy time celebrated with food, family and friends. Unfortunately, it’s also a time for fraud at the hands of identity thieves, computer hackers and deceptive sellers. Hawai‘i’s Better Business Bureau (BBB) offers advice on how to recognize and avoid common holiday scams.

  • The Secret of Happy Holidays: Spending with Discretion

    As we enter the third holiday season after the onset of the “Great Recession,” American consumers may be battling penny-pinching fatigue. We’ve scrimped. We’ve saved. When do we get to reward ourselves?

    Sure, it would be fun to celebrate the holidays with a big spending binge, but if there’s one lesson to be learned from the recession, it’s the importance of fiscal prudence. Don’t let the impulse to buy your way to happy holidays overrule your good judgment. Here are some tips for keeping your holiday spending within reason and the limits of your wallet.

    Step back from the hype. Retailers want you to get caught up in the holiday spirit and spend with abandon. Instead, take a more mindful approach to holiday shopping and consciously commit to responsible spending. Reinforce your conviction by imagining how good it will feel to enter January with money in the bank rather than paying off credit card bills.

    Make a firm budget. Think realistically about how much you have available to spend. If you’re tempted to spend lavishly, force yourself to imagine the painful consequences of overextending yourself. Keep track of your purchases and monitor your progress to avoid getting carried away.

    Narrow your list. If you’ve fallen into a trap of “gift-sprawl,” make this the year to pull in the reins. Prioritize your list and give according to your ability.

    Start early. Last-minute shoppers tend to spend more on impulsive purchases. Spreading your holiday shopping across 12 months is easier on your monthly budget. It’s also easier to find deals in the off season when retailers are anxious to move last year’s merchandise and make way for the new.

    Shop on a cash-only basis. When possible, pay with cash rather than checks, debit cards or credit cards. The tangible aspect of spending cash allows you to see how quickly money goes and can help you stick to your budget.

    Think outside the store. Save money by giving homemade gifts rather than store-bought items. Encourage your kids to skip the malls and give of themselves. Grandparents are likely to appreciate a child’s artwork or helping hands far more than a scented candle.

    Rethink excess. Does everyone in your family really need a dozen presents under the tree? Some large families and groups of friends choose to limit overall spending by drawing names so that each person receives one nice gift rather than buying for the entire gang.

    Put people first. Our consumer society encourages us to get carried away with material things. Yet the most meaningful part of the holidays is spending time with the people we love and sharing our abundance with those who are less fortunate. It doesn’t cost a thing to step back from the shopping rat race and savor the moments.


    Michael W. Yee is a senior financial advisor with Michael W. Yee, a financial advisory practice of Ameriprise Financial Services, Inc. As a financial advisor, Yee provides customized financial advice that is anchored in a solid understanding of client needs and expectations, and provided in a one-on-one relationship with his clients. For more information, please contact Michael W.Yee at (808) 952-1240. Advisor is licensed/registered to do business with U.S. residents only in the states of Hawaii. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. © 2010 Ameriprise Financial, Inc. All rights reserved.

    As we enter the third holiday season after the onset of the “Great Recession,” American consumers may be battling penny-pinching fatigue. We’ve scrimped. We’ve saved. When do we get to reward ourselves? Sure, it would be fun to celebrate the holidays with a big spending binge, but if there’s one lesson to be learned from…

  • Talk Story with Lisa

    As we all are lining up for the holiday season, our question to everyone, and to ourselves, is this: What are you grateful for?

    Roy Yonashiro, Hawai‘i Bone Marrow Donor Registry Coordinator, Musician I feel fortunate to be working for an organization like the Hawai‘i Bone Marrow Donor Registry. It’s great to have a job that I’m passionate about. Being a witness to a match is so moving, I get to see first hand how the kindness of strangers helps so many to have a second chance at life.

    Dorothy Hayden, Patient Advocate, Caregiver I am happy and healthy, raised a lovely daughter, have great friends, meaningful work and on top of that I am blessed to live here in beautiful Hawai‘i. I enjoy going to the many interesting events around town and also keep busy by volunteering at Family Promise and at The Hawai‘i Theatre for Youth.


    Lisa McVay is our on-the-road reporter — talking story with friends and neighbors, and sharing her many encounters. Mahalo to all that “Talk Story” with Lisa

    As we all are lining up for the holiday season, our question to everyone, and to ourselves, is this: What are you grateful for?

  • Elderhood Project

    One of our guests on the Elderhood Project reminded me that at some point in time everyone will be either a caregiver or a caregetter. I am learning the truth of that statement.

    Last week, Mrs. Matthews—Linda Coble— had back surgery. The doctor was pleased with the results and four days later, she came home from the hospital. The doctor said to me, “This will be tougher on you than it is on her.” In some ways, he was right. I watch her like a hawk so she won’t do anything she’s not supposed to do during recovery. I bring home the groceries, vacuum, do the dishes, laundry. But in another way, the doctor was wrong. It has been a meaningful experience.

    There is a kind of intimacy Linda and I haven’t had before. We always trusted each other, but there is a different kind of trust happening now.

    She will be fine. The doctors and nurses who took care of her did a wonderful job and I learned a lot. And there will come a time when the shoe [which I have to put on for her because she can’t bend over yet] will be on the other foot.

    We are into the holiday season, Thanksgiving just past. Care receivers are grateful for their caregivers, but caregivers in turn are grateful for the opportunity to look after their loved ones. I leave you with this quote:

    To speak gratitude is courteous and pleasant, to enact gratitude is generous and noble, but to live gratitude is to touch Heaven. ~Johannes A. Gaertner

    Peace and Aloha — Kirk Matthews


    Elderhood Project airs on KHON2 every Thursday morning on the morning news and Thursday afternoon at the 5 p.m. segment — topics from medical to senior life care and tips.Visit us at www.khon2.com/content/elderhood/default.aspx

    Last week, Mrs. Matthews—Linda Coble— had back surgery. The doctor was pleased with the results and four days later, she came home from the hospital. The doctor said to me, “This will be tougher on you than it is on her.” In some ways, he was right. I watch her like a hawk so she…

  • Do You Really Want to be a Trustee?

    You were named as successor Trustee of a trust created by a family member or friend, and that person just died. What now? Before you rush in, think about what awaits.

    Until you sign on the dotted line, the fact that you have been named as a trustee does not obligate you to accept that position. Decide carefully, because once you accept the job, you accept all that goes with it. It is a position of great honor, and it involves great responsibility.

    A trustee is what the law calls a fiduciary. A fiduciary is a person who is responsible for taking care of something that belongs to someone else. Under the law, fiduciaries are answerable to the beneficiaries (and possibly the Court) for the things they do—or fail to do.

    A trust is a legal relationship that results when a person (who we’ll call the trustmaker) makes a written agreement with a trustee to handle stuff for the benefit of beneficiaries. (“Stuff” is what the author calls everything a person owns. It could include real property—land and buildings— and personal property—everything else). Your primary duty as a trustee is to read, understand, and faithfully follow the terms of the trust agreement.

    When the trust agreement is made, the trustmaker transfers stuff to the trustee. The trustee actually becomes the legal owner of the stuff. However, the beneficiaries are the ones who are supposed to benefit from the stuff. Chances are, you will hear from them if they are not receiving the benefits they expect.

    The “dark side” of serving as a trustee is that you can be held personally liable in the event that you do something you shouldn’t have, or you fail to do something you should have, and the trust is harmed as a result. Even if you acted with a pure heart and noble intentions, you could have to reach into your own wallet to restore any losses to the trust.

    Before you rush into the job of trustee, be sure to determine whether you can devote adequate time and attention to the job, be armed with a clear understanding of the trust agreement and your duties, and have a team of legal, accounting, financial, and other advisors at your side to help you do your best by the beneficiaries.


    SCOTT MAKUAKANE is a lawyer whose practice has emphasized estate planning and trust law since 1983. He hosts Est8Planning Essentials, a weekly TV talk show which airs on KWHE (Oceanic channel 11) at 8:30 p.m. on Sunday evenings. For more information about Scott and his law firm, Est8Planning Counsel LLLC, check out www.est8planning.com

    You were named as successor Trustee of a trust created by a family member or friend, and that person just died. What now? Before you rush in, think about what awaits. Until you sign on the dotted line, the fact that you have been named as a trustee does not obligate you to accept that…

  • Decision Time About Benefits

    One of the rites of fall for most employees is the opportunity to review and revise their benefit options for the next year (the next benefits year could start in January or sooner). This is often referred to as the “open enrollment” period. Typically, all employees of a company or organization can make adjustments to their benefit options at this time.

    Although the opportunity is there to make changes, many employees do little more than confirm the benefits they already have in place. Failure to act during the open enrollment period may represent a missed opportunity. For today’s worker, retirement plans, health care coverage and other important benefits represent a significant piece of overall compensation. More effective management of the benefits available to you can, in effect, represent a pay raise.

    Changes in the law that impact your benefits:

    The health care reform law that passed in March includes several changes that will begin to take effect with your employer’s new benefit year (after September 23, 2010). The biggest that impact employee benefits are:

    • Dependent health insurance coverage – parents with adult children no longer in school can now include them as part of their dependent care coverage up to the child’s 26th birthday. To qualify, children must not have access to coverage through another employer (either their own or their spouse’s workplace).
    • Flexible Spending Accounts (FSAs) — FSAs allow individuals to save pre-tax dollars in an account designed to reimburse them for out-of-pocket medical expenses. Beginning in 2011, purchases of overthe-counter medications will no longer qualify for reimbursement from an FSA, except in cases where a physician prescribes them. If you defer income into an FSA, you should consider what is an appropriate amount given the new limitations for over-the-counter medications. It is also a good time to begin preparing for a future change to FSAs. Beginning in 2013, the maximum that can be set aside in an FSA will be limited to $2,500/year. You may want to accelerate spending for costly procedures (such as dental or orthodontic work) in advance of this change. Accurate planning is critical with FSAs, because any money leftover at the end of the plan year is lost.

    Given the important role that benefits play in your overall financial picture, the decisions you make should not occur in a vacuum. Your financial advisor can help assess what changes to your benefits might be advantageous for your overall financial position. An advisor can also provide perspective on how to plan for your long-term goals as they relate to your workplace compensation package.


    Michael W. K. Yee, CFP®, CFS, CRPC® Senior Financial Advisor Ameriprise Financial, Inc. 1585 Kapiolani Blvd., Suite 1100 Honolulu, HI 96814, Tel: 808-952-1222 ext 1240 “This communication is published in the United States for residents of Hawaii only; and this advisor is licensed only in the state of Hawaii.” Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

    One of the rites of fall for most employees is the opportunity to review and revise their benefit options for the next year (the next benefits year could start in January or sooner). This is often referred to as the “open enrollment” period. Typically, all employees of a company or organization can make adjustments to…

  • Covering Every Season of Life

    The cool winds and changing leaves are telltale signs—another autumn has arrived. Sometimes it’s hard to believe how quickly the seasons change and the years pass by. Whatever season of life you happen to be in, it may be a good time to reflect on the protection you have through Social Security.

    Each stage of life—from the spring of youth to the summer of middle age to the autumn of retirement—comes with its own set of financial concerns. And in each situation, Social Security is there to help.

    Of the more than 53 million Americans receiving Social Security benefits, nearly one-third are not retired workers or their dependents. They’re disabled workers and their families, or the survivors of a deceased worker. These non-retirement Social Security benefits can be especially important to young workers because about one-in-eight young people will die before retirement, and about one-in-four will become disabled.

    While the death of a husband, wife or parent is emotionally devastating, it often can be financially devastating as well. Social Security provides a monthly survivors benefit payment to help the qualified family members of a deceased worker.

    Social Security disability protection is equally valuable. Few workers have an employer-provided, long-term disability policy. With Social Security, however, the average worker has the equivalent of a disability insurance policy. The policy pays monthly benefits to workers and their families, based on the workers’ lifetime earnings. So you can rest a little easier knowing that Social Security provides some measure of security, if life does not turn out as planned.

    On the other hand, if you do work and retire as planned, Social Security serves as the foundation for a secure retirement. Social Security is the largest source of income for most elderly Americans today, but Social Security was never intended to be your only source of income when you retire. You also will need other savings, investments, pensions or retirement accounts to make sure you have enough money to live comfortably.

    The Social Security Statement that you receive in the mail each year provides an estimate of your retirement, survivors and disability insurance benefits. If you’d like to try out some different scenarios and see how various retirement ages and future earnings may change your retirement picture, visit our online Retirement Estimator at www.socialsecurity.gov/estimator. It provides an instant, personalized estimate of your future benefits.

    And perhaps the best news of all is that it’s easier than ever to apply for retirement benefits. You can do it right from the comfort and convenience of your home or office by visiting www.socialsecurity.gov/applytoretire. It can take as little as 15 minutes.

    Whether you’re young or old, Social Security is there through every season.


    You can find out more at www.socialsecurity.gov.

    The cool winds and changing leaves are telltale signs—another autumn has arrived. Sometimes it’s hard to believe how quickly the seasons change and the years pass by. Whatever season of life you happen to be in, it may be a good time to reflect on the protection you have through Social Security.

  • Medicare and Las Vegas

    Now that we have your attention … Medicare is available in all 50 states and territories, including Las Vegas. Now is the time to review your Medicare options for both health and drug plans. Medicare Open Enrollment is November 15th to December 31, 2010, but you can compare options beginning October 15, 2010.

    Every year, there are new Medicare prescription drug and health plan choices available. Open Enrollment is the time of year when Medicare beneficiaries can review their current health or prescription drug plans, compare what will be available in the new year, and choose the plan that best meets their needs. There’s never been a better time to check out Medicare options. With the new health care law, there are new benefits, including lower prescription costs, wellness check-ups and preventive care. Comparing plans may save Medicare beneficiaries money, get better coverage, or both.

    Information is available several ways and here are three easy steps:

    STEP 1: Have a list of your current prescription medications available. Check with your current providers (doctors office, physical therapist, etc.) to find out what plans they will accept so that you can still see them. Calculate your gross income and assets (so you can be screened for financial assistance to help with some, or all, of your medical costs).

    STEP 2: Compare plans that will be available in Hawai‘i in 2011.

    • Visit www.medicare.gov to get a personalized comparison of the costs and coverage of the plans available in your area.
    • Call 1-800-MEDICARE (1-800-633-4227) 24-hours a day/7 days a week to find out more about your coverage options. TTY users call 1-877-486-2048.
    • Get one-on-one help from the Hawai‘i State Health Insurance Assistance Program (SHIP), also known as the Sage PLUS Program. A certified volunteer can be reached at 808-586-7299 or 1-888-875-9229. You can also pick up a Sage PLUS Medicare Prescription Health/Drug Plan

    Compare Form from your nearest pharmacy or online at www.hawaiiship.org. Mail or fax the form in for a personalized comparison.

    STEP 3: Enroll in a plan early so that you can enjoy the holiday season.

    From January 1, 2011 to February 14, 2011 is a one-time disenrollment opportunity if you want to change from your current Medicare Advantage (MA) Health plan and return to Original/Traditional Medicare. If your MA plan includes drug coverage, you will also have the opportunity to enroll in a supplemental Medicare Prescription Drug Plan.

     


    If you feel overwhelmed, don’t hesitate to call the Sage PLUS Program for guided assistance through the Medicare Open Enrollment Process. Call us at 808-586-7299 or 1-888-875-9229.

    Now that we have your attention … Medicare is available in all 50 states and territories, including Las Vegas. Now is the time to review your Medicare options for both health and drug plans. Medicare Open Enrollment is November 15th to December 31, 2010, but you can compare options beginning October 15, 2010.

  • Living Beyond…

    Aging is inevitable; it is a process of growing old. However, it should not influence an individual’s life expectancy. We are able to live long and healthy lives if we live a healthy lifestyle by exercising, eating right, and for some, taking medications as prescribed by a health care provider.

    “Healthy aging” helps us take control of a natural part of life. There is no one way to age healthy. It is about making good habits a part of our everyday living. Simple things like drinking more water can have a huge effect on how we age. Do you take the stairs when in a building, or do you ride the elevator? Do you walk to the mailbox, or use your vehicle? Do you limit snacking, or snack on healthier choices, such as fruits, vegetables and items made from whole grains? Making small adjustments to various bad habits benefit us immediately and in the long run.

    Being physically active can involve things like taking walks or outdoor sports. Staying active makes our joints and muscles move, reducing stiffness and further joint pain. Staying active also increases metabolism so that food is not stored as fat. Walter Breuning, the oldest known man in the world whom just celebrated his 114th birthday on September 21, 2010, said that hard work and eating right are both ways to age healthy.

    Another way to age healthy is to get a good night’s sleep. According to the National Institute on Aging, “getting enough sleep helps [us] stay healthy and alert” (Age Page). Sleep gives our body time to recharge and it also prevents us from being tired throughout the next day.

    Already have a chronic condition? You can still “put life back in your life.” Better Choices Better Health, or Chronic Disease Self Management Program (CDSMP) workshops, are being held throughout Hawai‘i. This is an evidence-based program developed through Stanford University. Its research shows that people can have an increased quality of life through self-management skill building.

    The Elderly Affairs Division of the Department of Community Services City & County of Honolulu is currently conducting Better Choices Better Health workshops island wide. These workshops are open to individuals 60 and older with any chronic condition, such asthma, diabetes, heart disease, stroke, arthritis, cancer, high blood pressure, obesity or fibromyalgia. The workshops are also available to caregivers and others who may live with a loved one who has a chronic condition. Support systems are welcomed to register. During these self-management workshops the focus is on staying active and enjoying life even with an ongoing health problem.


    For more information about Better Choices Better Health, or to sign-up for workshops, call the Senior Helpline at (808) 768-7700

    Aging is inevitable; it is a process of growing old. However, it should not influence an individual’s life expectancy. We are able to live long and healthy lives if we live a healthy lifestyle by exercising, eating right, and for some, taking medications as prescribed by a health care provider. “Healthy aging” helps us take…

  • National Hospice Month

    We celebrate hospice care not because of the death of a loved one, but because of the transformative journey each family might experience. At Hospice Hawai‘i, that opportunity for transformation is at the very heart of all we do with a terminally ill person and their family. Hospice staff and volunteers are guides to an entire family as they, together, live out the rest of the life of a loved one. For some families, an expert hospice worker can be a beacon of light in an otherwise dark and fearful situation.

    Hospice staff can provide the setting and opportunity for families to reconnect and, in some cases, reconcile old wounds. They can bring relief of pain and suffering, offering a good night’s rest for both the patient and the family. Hospice also offers very practical support to the family by teaching care giving as a person’s overall condition changes.

    We celebrate hospice because of the profound lessons hospice can share with each individual they work with. Quoting the Rev. Mitsuo Aoki, who recently passed away this summer, the Hospice Hawai‘i Chaplain Clarence Liu reminds us of three such lessons: We must embrace death to find love, we must walk through loneliness to find solitude, and we must walk through anger to find forgiveness.

    As we celebrate National Hospice month we are also reminded of the very practical impact hospice care has on our society. Patients and families who receive hospice care have very high levels of satisfaction and suffer less distressing symptoms, such as pain and achieve a higher degree of preparation for the end of life. Our own experience at Hospice Hawai‘i is that a family who has had hospice care is better prepared to deal with the normal grief. Our emphasis on the whole person and their whole family, with particular attention to each individual’s experience means that their care is individually tailored to them.

    National Hospice month reminds us all that hospice care is not just about keeping someone comfortable until they die…at Hospice Hawai‘i it is about bringing hope, reducing fears and impacting lives.

    Take time this month to reach out to someone in need; your life will be better for it.


    Kenneth L. Zeri, RN, MS, NHA, President & Chief Professional Officer Hospice Hawai‘iHe has more than 25 years of experience in hospice and palliative care. He is the current president of Kokua Mau, a statewide hospice and palliative care organization, and serves on various professional organization committees on a local and national level; including, Aloha United Way, Healthcare Association of Hawaii, the National Hospice and Palliative Care Organization, and Hospice & Palliative Nurses Association.

    For many years, we in Hawai‘i have joined our colleagues across the nation in celebration of National Hospice month. Observed in November, it is a time when we come together to give thanks, reflect on the past year and look forward to the next. We remember those who have passed away and we recall our…