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Six reasons to switch Medicare plans for 2014Article Contributed byBrandpoint ContentEach year, Medicare open enrollment brings with it changes that can affectnearly 50 million people. The limited enrollment timeframe of just 54 days Oct. 15 to Dec. 7 - gives all Medicare beneficiaries the opportunity to changetheir Medicare plans for the coming year to better match their needs and potentially save on health care costs. This includesanyone using original Medicare, MedicareAdvantage or Part D prescription drug plans.5. You have moved or are planning to move. It’s important to consider yourMedicare plans when moving because you may leave the plan’s service areaor have additional options.6. Your current plan no longer will be available. In these instances, beneficiaries must select a new plan, or they may default to another plan chosen bythe Centers for Medicare & Medicaid Services. “Sometimes plans are eliminated because the provider offers a similar plan, but it’s still important to comparethat coverage to what you actually need in thecoming year,” Muschler says.Each fall, Medicare participants receive theirAnnual Notice of Change (ANOC) and Evidence of Coverage (EOC) from their currentMedicare Advantage and Part D providers. “It’simportant you read this information,” Muschlersays. “Take time to review your current health careneeds, and then compare this to the plan’s coveragefor the coming year.”If your Medicare coverage worked well duringthe previous year, it may seem simple to continue with those existing Medicare plans.But there are many reasons why this annualenrollment season should grab the attentionof Medicare beneficiaries, according to PaulaMuschler, manager of the Allsup MedicareAdvisor. This is a Medicare plan selectionservice offering personalized help that includescustomized research and enrollment assistance.“In the broadest terms, your Medicare plans may have changed what they cover,or your own needs may have changed, or both,” Muschler says. “If you continuewith the same plan next year, you could find your plan doesn’t cover things youthought it did or that you need, leaving you holding the bill.”Muschler outlined the following six reasons why beneficiaries should reviewtheir Medicare plans during the annual open enrollment season.1. Your health situation has changed. Perhaps you have developed a healthcondition in the previous 12 months that requires a new prescription drugor ongoing visits to a specialist. It’s important to know whether the plan youhave, or decide to purchase, covers these health needs.window,” she says.Experienced Medicare specialists such as Allsup are available to help consumers and their family members review Medicare plans and choices for thecoming year. For an evaluation of Medicare options, call an Allsup MedicareAdvisor specialist at (866) 521-7655 or go to Medicare.Allsup.com.StainedGlasss’nosPearStudio & Gift Shop Repairs & Restoration Windows & Lamps Stained Glass Hobby Supplies Suncatchers2. Your health care provider situation has changed. Physicians may retire orrelocate, and medical facilities may change their terms. A number of developments could lead your plans to no longer include the doctors you see or themedical center you visit. “If your doctor choice is important to you, this is a goodreason to study your options and possibly switch Medicare plans,” Muschler says.3. Your coverage changes. Plans can alter the drugs, procedures and conditions they cover. For example, your prescription drug Part D plan may nolonger cover the prescription drugs you need to purchase in the coming year,or put restrictions on how and where you purchase them. “Questions aboutprescription drug costs are one of the top concerns our Allsup Medicare specialists encounter,” Muschler explains. “This is especially critical for those who fallinto the prescription drug donut hole.” The donut hole is the gap of coverage inwhich the individual pays a greater percentage of the drug cost.4. Your plan premiums, co-pays or deductibles are increasing. Price changesoccur year to year, so examine the prices you have been paying and what youcan expect to pay in the coming year. There may be alternative plans withlower costs available in your area that an experienced Medicare specialist likeAllsup can locate.Jamestown Gazette “Reviewing your Medicare plan options earlierrather than later will put you in a better positionto make changes during the annual enrollmentCustomize Your Kitchen!CUSTOM DESIGNED WINDOWSSpecializing in Custom Kitchen Cabinet DoorsCommercial Residential4 E. Terrace Ave., In Historic Lakewood (Corner of Chautauqua Ave.)(716) 763-12443939 YearsYears ExperienceExperience )DFWRU\ 7UDLQHG 6HUYLFH 2Q 0RVW 0DMRU %UDQGV 5HIULJHUDWRUV :DVKHUV 'U\HUV 6WRYHV 'LVKZDVKHUVSpectacular Senior TabGas Appliance Repair Expert!Call Today! Most Reasonable Rates In The Area!!716-763-6242 September 16, 2013 Page 3

Like fine wine, life gets better with age:Life lessons learned from a master winemakerthat time apply outside the wine world, too.Article Contributed byBrandpoint ContentThe things you pick up from past generations go well beyondhow to catch a baseball and grill the perfect burger - eventhough those things are important. Traditions and lessonslearned from fathers, grandfathers and even friends can be themost important in your life - they’ll shape who you are and howyou live, as long as you live. And if you haven’t had the opportunity to ask your elders what they would choose to impart,there’s no time like the present.The family behind the Louis M. Martini winery knows quite abit about inherited wisdom. They have been crafting wines for80 years and three generations - and that’s plenty of time to liveand learn. They have learned not just how to pursue their trade,but to become masters - and the lessons they’ve learned overMike Martini, now the third-generation master winemaker ofthe Louis M. Martini Winery, shares eight lessons from his family’s 80 years of expertise - which you might just learn from, too.1. Great creations reflect the personality and strengths of theperson who created it. Your strengths shine through whenyou’re passionate about something. Whether it’s your secretrecipe barbecue sauce or the way you play a favorite song on aguitar, your own style will make something not just great - butuniquely your own.2. There are many different paths to the same goal. Not everyone approaches their work the same way - and that’s OK. Aslong as the goal is the same, keep an open mind about how toreach those goals, particularly when working with others.With Fall Fast ApproachingCompare & Save with theVery Best in Senior Living!Make your Golden YearsMeaningful & Productive!Make the move now and enjoy the warmth of theFrewsburg Rest Home Family!ENJOY . . . Socialization Structure IndependenceVisit Our Website At www.frewsburgresthome.com or find us on Facebook.Call Dennis Bechmann, Steve Sischo or Tammy Melice at 716-569-3095or email dennis@frewsburgresthome.comPage 4 Jamestown Gazette Spectacular Senior Tab September 16, 2013

3. You’ve got to learn to make your own mistakes. While youcan learn from others’ mistakes, sometimes theknowledge that comes from making your ownmistakes can be just as valuable. Don’t be afraidof mistakes; instead, see them as an opportunity to improve.7. To master anything, you need to learn everything that goesinto it. When times do get tough, you need to rely on morethan just surface-level information. Adeep understanding will make iteasier for you to think creatively,find solutions and excel.4. The most fundamental skill is patience.With winemaking, you get one shot a yearat harvest, and just about any good wine isworth waiting for. Develop your patience asyou would any other necessary skill and inthe end, you’ll be happier with the result.8. If you’re passionate about whatyou do, the clock doesn’t matter.How many golfers check the clockwhile they’re on the course? Howmany surfers abandon the waves to gosee what time it is? Not many. If youhave a passion for something, it’s nolonger work but a pursuit of doing whatyou love. If your job is something thatyou enjoy as much as a hobby, putting inthe time and effort won’t ever feel like aburden.5. If our neighbors succeed, we all succeed. There’s a saying that you’re as onlyas strong as your weakest link, but if youflip that, you can also be as strong as yourstrongest link. Over time, the success ofany one of us brings all of us up.6. Perseverance pays off. There will be times in life when givingup seems like the best option - but really, it’s only the easiestoption. Stick to your plan through the difficult times and you’llbe rewarded in the end.snoitaerCrSheaThank You, Vets!ForOurFreedom!Sueanne is now accepting new clients!10 OFF Perm or ColorExp. 10/31/13257 Broadhead Ave.Jamestown, NY 14701716-484-3333130 Chautauqua Ave., LakewoodPhone: 763.0016 Fax: 763.0076640 Worth St., Corry, PaCorry Manorand the VAproudly offer short-termrehabilitation and hospicecontracts to qualifying veterans.This service allows veterans torehab close to home.Jim Rovegno, RPH - Pharmacist/Ownerwww.corrymanor.comCall or Stop in today for details!Hours: Monday - Friday 9am-6pm Saturday 9am-2pmJamestown Gazette Spectacular Senior Taba tradition of caring814-664-9606 September 16, 2013 Page 5