Monday, December 1, 2025

A Passion for Writing Bears Fruit

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Carol Wilkinson Troy and J. Mac Troy pose in their backyard in 2019.

Story by Darl Devault, Contributing Editor

“Out of Time” Book Cover.

Seven years after retiree Mac Troy began writing his novel and a year after his own untimely death, the longtime Oklahoma City resident’s time-travel saga “Out of Time” is finally in print.
Featuring a modern-day teenager’s time travel to Oklahoma’s Territorial days, the book would never have been published without the assistance of his widow, Carol Wilkinson Troy, a longtime on-air personality and executive at KOCO-TV5 in Oklahoma City.
“Out of Time” is the realization of Mac’s dream to write a book that would transport readers of all age groups to new worlds,” Carol Troy said. “His not living to see his dream realized was sad enough, but it would have been truly tragic if his efforts had all come to naught.”
The paperback book of 350 pages will make its debut on Friday, Dec. 3, at Full Circle Bookstore in north Oklahoma City. A talk about the book and its long journey to print will be given by several guests invited by Carol, who will sign books for her late husband.
Finally retired after decades of producing television documentaries and operating his own advertising agency in Oklahoma City, Troy began writing “Out of Time,” his third work of fiction, in 2014. Although he produced numerous award-winning documentaries and ads during his career, including one Emmy nomination, the noted metro resident was at heart a fiction writer.
“Mac was a voracious reader,” Carol said, “and he lived a pretty adventurous life, including directing a documentary film crew in the climbing of Citlaltepetl, the third highest peak in North America. His life experiences and love of the written word came together in his writing.”
“Out of Time” follows the adventures of teenager Travis “T-Bone” Stone of modern-day Dallas, Texas, who unexpectedly finds himself and his dog transported back in time to Oklahoma’s territorial days. Adjusting to his new life as a greenhorn cowboy, the athletic youth falls into the company of a colorful assortment of rough-and-ready characters who teach him how to survive the dangers of life in the West.
Along the way, the wide-eyed time traveler meets the mysterious Wind Dancing, a fetching Cherokee maiden who has more than a little to do with T-Bone’s time-travel adventure. His ready adaptability to his new environment and his passionate feelings for Wind Dancing leave young T-Bone with mixed feelings about returning to his former life in the 21st century.
Although a complete work of fiction featuring a dog that communicates with the young at heart, Troy strived for historical accuracy in his depiction of life in the early 1890s Oklahoma and Indian territories. The author consulted with noted Oklahoma historian Dr. Bob Blackburn to achieve this realism.
“The author has done a superb job of mixing fantasy time travel with an authentic history of cowboys and Indians in the Old West,” Blackburn said. “I thoroughly enjoyed this book.”
Blackburn has been invited to the Dec. 3 book signing to comment on the historical events and characters in the book. Several other special guests, including Oscar-winning producer Gray Frederickson, may be present to discuss Troy’s efforts to get his final manuscript in print.
“It’s been just a little more than a year since Mac’s death,” Carol said, “so the celebration of his book’s debut will also serve as a nice commemoration of his life and his passion for writing.”

Greg Schwem: No, I don’t want to see all 743 of your vacation photos

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by Greg Schwem

I have a request, no, a plea, to cellphone manufacturers and software developers obsessed with phone memory.
Please stop.
You are the primary cause of an annoying disease I refer to as “scrolliosis.”
Those who suffer from it, and, in turn, cause those around them to suffer even more, are serial scrollers. In layman’s terms, they are obsessed with showing everyone the photo contents of their phones, beginning every sentence with, “Check this out!”
A scrolliosis victim could be your best friend, your relative or even your spouse; although, if my wife was constantly thrusting her phone in my face, I would put an immediate stop to it. But if it’s anyone else, I am forced to politely wait while their finger frantically moves vertically as they search for that photo or video clip that, according to them, I “just gotta see.”
What I really want to see their finger doing is repeatedly pushing the delete key until the only image left on their phones is the one on their home screen, covered in icons so I won’t have to look at that either.
I am not saying my phone is empty of memories; quite the contrary. My library shows I currently have 2,520 photos and (gulp) 1,362 videos vying for space with apps I actually use on a daily basis. About once a month, I attempt a phone cleanse, although it usually results in me deleting about one percent of my phone’s contents. Hey, you never know when somebody might want to see a selfie of me outside a Ketchikan, Alaska, salmon store. It could happen, right?
No, it couldn’t.
Think about it: Suppose I’m having a conversation with somebody about Alaska. That person expresses interest in visiting. Do I whip out my phone and say, “Check this out. Here’s ME in Alaska”? Followed by, “And here’s 40 more pictures of me in Alaska. And, wait a minute while I find it; wait, wait, hang on, it’s here somewhere…yes, here’s a video of a bear in Alaska!”
Somehow, I doubt the response would be, “Well, that’s all the evidence I need. I’m calling the airline today!”
When my daughters were of high school age, my wife and I frequently attended “pre dance” parties. Prior to homecoming or senior prom, a willing parent opened their home to about 30 couples, purely for the chance to take photos.
These get-togethers often lasted longer than the dances themselves; the event did not end until every ball gown and tuxedo-clad individual had taken pictures with every other attendee, in every conceivable combination. Yes, Chloe and Haley took a picture together but they didn’t take one with Samantha. Or Madeline. And did Madeline get one with Haley and Chloe, but not Samantha? And look who just showed up? Gabby!
This photo extravaganza continued until all the couples were satisfied they had, indeed, taken the appropriate amount of photos. Then, a late-arriving couple entered the home and the process started all over again. I could only imagine the scene on the Monday following the dance when Chloe met Madeline, Haley and Gabby in the school cafeteria and said, “You HAVE to see this video I took of us. Wait, wait…I know you have to get to class…here it is! No, wait, that’s me with Lizzie. Hold on…”
Twice a year, my town offers a shredding event, where residents are invited to, free of charge, destroy documents they no longer need. I suggest a similar event for phone contents. Keep five of the 367 photos you took of your Disney World vacation, transfer the rest to a thumb drive, and toss it into a machine full of sharp blades. You still have evidence on your phone that, yes, you visited Disney World and, yes, it was magical. But nobody will be forced to feign interest while you locate that amazing photo.
You are now cured of scrolliosis. That didn’t hurt a bit, did it?
(Greg Schwem is a corporate stand-up comedian and author of two books: “Text Me If You’re Breathing: Observations, Frustrations and Life Lessons From a Low-Tech Dad” and the recently released “The Road To Success Goes Through the Salad Bar: A Pile of BS From a Corporate Comedian,” available at Amazon.com. Visit Greg on the web at www.gregschwem.com.
You’ve enjoyed reading, and laughing at, Greg Schwem’s monthly humor columns in Senior Living News. But did you know Greg is also a nationally touring stand-up comedian? And he loves to make audiences laugh about the joys, and frustrations, of growing older. Watch the clip and, if you’d like Greg to perform at your senior center or senior event, contact him through his website at www.gregschwem.com)

Over the Counter (OTC) Hearing Aids Arrive

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Story and photos by Ron Hendricks, Contributing Writer

They are here now! The Over the Counter (OTC) hearing aids. They are being advertised everywhere – the newspaper, TV, even on the radio. Hearing Loss Association of America Central Oklahoma Chapter (HLAA COC) does not endorse the OTC hearing aid but we don’t condemn them either. HLAA COC endorses education. Be a smart buyer.
Yes, less expensive hearing aids are now available by mail order. You can get a pair without visiting a doctor, audiologist, or even some hearing aid retailer. Think about it, you can now get a set of hearing aids at home in your underwear! But, will they work? Well, you should take a hearing test, but where? There are on line hearing tests available and even some may be taken over your smart phone. They are not in depth nor will they identify other potential health problems but they can tell if you have MILD or MODERATE hearing loss. * The OTC hearing aid may be for you but here are some points that you need to be certain you understand. There is no “free trial period.” * There is no one-size-fits-all. You may need to try several before you find one that works for you, * Understand the return policy of your seller. It is required to be printed on the box. There may be undisclosed fees so ask first. * This is not your grandma’s hearing aid. OTC aids may have various features but they are still not fully functioning ears. Be an educated buyer. * If your OTC aid does not function as advertised you can complain to the FDA at their website.
In short, if you have moderate hearing loss, you may be able to get a hearing aid that will helpful at a moderate cost but you must be an educated buyer. But, if your hearing loss is greater than mild, you should consult a professional. You are invited to attend the free HLAACOC educational seminar, on February 16, to hear a professional discuss the pros and cons of the OTC hearing aid. HLAACOC seminars are held every third Thursday, 11:30-1PM at the Will Rogers Garden Center, 3400 NW 36. Come and learn about hearing loss and how to live successfully in the hearing world.

Transition Decisions: How Seniors Can Trust They’ve Found a Reputable Contractor

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Story by owner Dennis Helm, a True & Proven Senior Advocate

A lot of companies say they specialize in working with seniors. (Hundreds of verifiable References from 35 Years)

But as owner of Smooth Finish Roofing & Construction we’ve proven it since 1987!
I have been a Senior Advocate for as long as I’ve been in the business. I learned this from caring for those who were and are vulnerable to scammers.
My heart was developed to protect the vulnerable and was cultivated as a child of a single mother who faced many challenges and difficulties raising three boys alone.
Free Inspections: Most Oklahoma homes have hail damage not visible from the ground, unseen until Inspection.
How Smooth Finish has helped Seniors: (free consultations, decisions for scope, priority lists, free inspections and estimates)
For seniors who are staying in their home, Smooth Finish can upgrade most all desired home improvements starting with “A good roof over their head” with a GAF Lifetime warranty and we have worked successfully with all insurance companies.
In homes of seniors who want or need to age in place, Smooth Finish can also help with other repairs, restorations and aging in place modifications. Besides roofing, Smooth Finish Roofing & Construction provides:
* Exterior: roofing, siding, carpentry, windows/doors, guttering, Garage Doors, Fence, Painting and more.
* Interior: Ceiling repairs, (Leak Repairs) mitigation, texturing, painting, flooring, carpentry and more.
As a Licensed* General Contractor…we manage the process of bringing in Licensed Trades for Plumbing, HVAC, electrical, etc.
If a senior is moving into a senior living center and needing to sell their home, they may likely need a new roof and/or other repairs. This is where our free advisory scope consultation, inspections and estimate(s) help create priority list(s).
Smooth Finish does excellent work at a fair price, so your home can pass all the inspections required for a sale.
Smooth Finish is not only certified & licensed* for roofing of residential homes, but also senior living facilities.
As a true and proven Senior Advocate, I have a sincere desire to help seniors and I always work to encourage people to use only local, licensed, and insured roofing contractors with hundreds of verifiable references. There are just too many terrible stories of things going wrong when people don’t.
Warning: Roofers may not be who they seem!
I’ve heard many, many times, “most people don’t trust roofers”. That’s understandable.…In our industry there are a lot of… fly-by-night roofers. They come in town, start a ‘company,’ get magnets on their car, (405) phone numbers and in 24-hours they look like a legitimate business. But they’re not.
Undesirable scammers always rush into town after a storm has hit to solicit people who need roofing services.
These unscrupulous “companies” will claim to be local, even though they’re not. They may go to great lengths to look like hometown guys. We have had to replace many roofs installed incorrectly over 35 Years.
I want people with roofing needs in OKC to rest at ease. I want them to know that when they use Smooth Finish Roofing & Construction, they’re getting an honest, proven and reputable company. I’m a lifelong resident and have over 35 years expertise in this business.
License Numbers:
Ask for license numbers and references. Then check them out! reputable roofers live and work in the same city where their business is located.
We don’t go out of town, except for previous and existing customers. There is always more than enough work for us here in the 620 square miles of Oklahoma City and the metro area.
Your family, friends or clients will thank you for a Smooth Finish recommendation.
You can feel confident in recommending Smooth Finish Roofing & Construction to Family Friends or clients you’re helping. For the homeowner, we can work on the rooftop, the floor and everything in between. I’m a licensed General Contractor through-out Oklahoma City and the metro area and, again, I’ve been in business for 35 years.
Since 1987, we have been helping customers with decisions concerning their homes. Many times, we’ve found simple solutions for complex problems. We work to keep costs fair and reasonable and we live by the Smooth Finish motto: “Where quality craftsmanship meets fair pricing.”
Give me a call on my personal cell phone at (405-923-5127)
We are proud of, and enjoy our solid reputation. We enjoy serving Seniors, Military, first responders and single mothers and we only move forward with a job… when you’re comfortable.
*State of Oklahoma Construction Industries Board # CIB 80000242
*City of Oklahoma City General Contractor license # OKC 13705
For 35 years Smooth Finish has helped customers determine priority list(s) for what needs to be done to sell/improve their home. What do homebuyers see? “Curb appeal”. What do they see when they first open the front door?

Smooth Finish Roofing purchases from a LOCAL roofing supplier to ensure profit proceeds “Stay in Oklahoma”  CALL (405-923-5127) OR visit: https://smoothfinishroofing.com/

SAVVY SENIOR: How to Choose a Memory Care Unit

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Dear Savvy Senior,

My mom has Alzheimer’s disease and has gotten to the point that she can’t live at home any longer. I need to find a good memory care residential unit for her but could use some help. Any suggestions? Exhausted Daughter

Dear Exhausted,
Choosing a good memory care residential unit for a loved one with Alzheimer’s disease is a very important decision that requires careful evaluation and some homework.
Most memory care units, sometimes called special care units, are housed within assisted living or nursing home facilities. At their best, they offer staff extensively trained in caring for people with dementia, individualized care that minimizes the use of dangerous psychotropic drugs, a home-like environment and activities that improve residents quality of life. But at their worst, they can offer little more than a locked door. Here are some steps that can help you find a good facility and avoid a bad one.
Make a list: To identify some good memory care residential units in your area ask your mom’s doctor for a referral, and use the Alzheimer’s Association online tool at CommunityResourceFinder.org. Make sure the facilities on your list are close to family members and friends who can visit often, because residents with frequent visitors usually get better care.
Research your options: Once you’ve made a list, contact your local long-term care ombudsman (see LTCombudsman.org). This is a government official who investigates assisted living and nursing home complaints and can tell you which facilities have had problems in the past.
If you’re looking at a memory care unit within a nursing home facility, use Medicare’s nursing home compare tool (Medicare.gov/nursinghomecompare), which provides a 5-star rating system.
Call the facilities: Once you’ve identified a few facilities, call them to find out if they have any vacancies, if they provide the types of services your mother needs, what they charge and if they accept Medicaid.
Tour your top choices: During your tour, notice the cleanness and smell of the facility. Is it homey and inviting? Does the staff seem responsive and kind to its residents? Also be sure to taste the food, and talk to the current resident’s family members, if available.
Also, find out about staff screening and training procedures, their turnover rate, and the staff-to-resident ratio. They should have at least one staff member for every five residents.
Make sure the facility offers quality activities that can keep your mom engaged, even at night when she may be awake. Ask how they respond to residents who may wander or become aggressive. If the answer is locked doors and antipsychotic drugs, that’s a red flag.
Because transitions can be unsettling for dementia suffers, make sure that your mom will be able to remain at the facility for the foreseeable future. And find out what, if any, health conditions might require your mom to leave the facility or move to a higher and more expansive level of care.
It’s also a good idea to make multiple visits to the facility including an unscheduled visit at night or on weekends when the staff is more likely to be stretched thin.
To help you evaluate your visit, the Alzheimer’s Association offers a checklist that you can access at ALZ.org/residentialfacilities.
Paying for care: The national average costs for memory care within an assisted living facility is over $5,000 per month, and over $7,500/month for nursing home care, but costs can vary widely depending on your location. Since Medicare does not cover long-term care, most residents pay for care from either personal savings, a long-term care insurance policy, or through Medicaid (if available) once their savings are depleted.
To help you research your financial options, visit the National Clearinghouse for Long-Term Care Information website at LongTermCare.gov.

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

Innovative Solutions Needed to Fix America’s Health Insurance Problem

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Oklahoma Insurance Commissioner John D. Doak is offering innovative ideas on health insurance to national leaders. Doak responded today to a request from U.S. House Majority Leader Kevin McCarthy asking for recommendations as lawmakers move forward with the repeal of the Affordable Care Act.
“If the Affordable Care Act is repealed, we should take this as an opportunity to do something different, something that works,” Doak said. “Unlike other lines of insurance, the hands of the health insurance industry have been tied by the law, unable to grow and innovate. Now is the time to open the market to see what can be done to provide greater access to affordable health insurance for everyone.”
One of Doak’s suggestions to House Leader McCarthy includes examining the use of microinsurance. This type of insurance focuses on the low-income population and has been successful in countries like India. Doak included research from David M. Dror, Chairman of the Micro Insurance Academy, on how microinsurance could work in the United States.
Other ideas from Doak include:
Permitting sale of insurance across state lines under state regulatory enforcement.
Adopting policies that expand the use of health savings accounts coupled with more affordable, high-deductible health plans.
Allowing states to enact new health reforms at the grade-school level that incorporate physical fitness and nutrition programs to deter preventable illnesses.
Letting states determine the age at which a child can remain on his or her parent’s group health plan.
Enacting legislation that protects consumers from unfair balance billing and surprise billing from individual providers like anesthesiologists, radiologists or medical service companies such as air ambulance and imaging providers.
Allowing states to pursue innovative health care delivery mechanisms including, but not limited to, telemedicine and the expansion of the technologically-based Project ECHO® for rural America.
The Oklahoma Insurance Department and Commissioner Doak will be holding town hall meetings throughout the state to talk with Oklahomans about healthcare reform. The dates and locations of those meetings will be announced at a later date.

Artists Create Largest Puzzle in State, Holiday Gift with Purpose

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Denise Duong and Gabriel Friedman and art therapist Brittany Dray have been working with Oklahoma Children’s Hospital OU Health patients for the past several months, helping them develop skills to reduce and manage anxiety and fear and to develop self-expression through art.

Local professional artists Denise Duong and Gabriel Friedman and art therapist Brittany Dray have been working with Oklahoma Children’s Hospital OU Health patients for the past several months, helping them develop skills to reduce and manage anxiety and fear and to develop self-expression through art.
Dray explained that art therapy offers tools to aid relaxation and pain management, boost self-esteem and resilience and grow a sense of community at the hospital.
Friedman designed and built a giant puzzle as a foundation and Dray helped more than 90 patients create large puzzle pieces representing their stories. The pieces were gathered by Duong and Friedman who connected the experiences together and created a wall-sized mural of the puzzle. Themes of connection, strength and comfort were noticed by the artists, which inspired the story of Duong’s painted mural which scrolls atop the work of the children.
“I see the puzzle as a reminder that we are all connected,” Friedman said. “If one piece is missing, the puzzle doesn’t really function anymore. I wanted kids to hopefully absorb the idea that they might be doing just one little section of the puzzle, but without that section, you wouldn’t want to do the puzzle. I hope it seeps in that they are all a piece of the puzzle.”
The finished artwork is now a permanent feature in Oklahoma Children’s Hospital, hopefully inspiring other pediatric patients. The project was funded by grants and gifts from Bob Moore, Kirkpatrick Family Fund, CrossFirst Bank, Oklahoma City Community Foundation, Dunkin’ and others.
Just in time for holiday gift-giving, replica tabletop-sized boxed puzzles are available to purchase for $39 each at this link:
https://www.plentymercantile.com/puzzle-756pc-art-helps-kids-heal.html
Following Thanksgiving, the puzzles will also be available for purchase at Red Shelf Gift Shop at Oklahoma Children’s Hospital OU Health, and Oklahoma City retail stores including Plenty Mercantile, Little D Gallery, DNA Galleries, JRB Art at the Elms, The Learning Tree, and Omni Hotel OKC. All proceeds will fund future art programs for children.

https://www.villagesokc.org/pages/10042-gift-homepage

SAVVY SENIOR: How to Choose a Medicare Supplemental (Medigap) Policy

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Dear Savvy Senior,

I’m planning to enroll in original Medicare in a few months and have been told I probably need to get a Medicare supplemental policy too. Can you offer any tips on selecting one? Almost 65

Dear Almost,
If you’re enrolling in original Medicare, getting a supplemental policy (also known as Medigap insurance) too is a smart idea because it will help pay for things that aren’t covered by Medicare like copayments, coinsurance and the Part A deductible. Here are some tips to help you choose an appropriate plan.
Medigap Plans
In all but three states (Massachusetts, Minnesota, and Wisconsin), Medigap plans, which are sold by private health insurers, are available to new enrollees in eight different standardized plans. These plans are labeled with the letters A, B, D, G, K, L, M and N, with two more, C and F, that are only available to those eligible for Medicare before 2020.
Plan G is the most popular policy among new enrollees because it covers the most comprehensive range of benefits. Monthly premiums for Plan G typically range between $100 and $300, depending on your age and the state you reside in. If that’s more than you’re willing to pay, there are also high-deductible plans that have lower premiums but impose higher out-of-pocket costs. (story continues below)


For more information on the different types of plans and coverage details, including Medigap options in Massachusetts, Minnesota, and Wisconsin, go to Medicare.gov/publications and type in “choosing a medigap policy” in the Keyword box, and download their 2022 guide. Or call 1-800-MEDICARE and ask them to mail you a copy.
How to Choose
To pick a Medigap policy that works best for you, consider your health, family medical history and your budget. The differences among plans can be small and rather confusing.
To help you choose, visit Medicare.gov/medigap-supplemental-insurance-plans and type in your ZIP code. This will give you a list of the plans available in your area, their price ranges and the names, and contact information of companies that sell them. But to get specific pricing information, you’ll need to contact the carriers directly or call your State Health Insurance Assistance Program. See ShipHelp.org or call 877-839-2675 for contact information.
Since all Medigap policies with the same letter must cover the exact same benefits (it’s required by law), 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 pricing methods, which will affect your costs. Medigap policies are usually sold as either: “community-rated” where everyone in an area is charged the same premium regardless of age; “issue-age-rated” that is based on your age when you buy the policy, but will only increase due to inflation, not age; and “attained-age-rated,” that starts premiums low but increases as you age. Community-rate and issue-age-rated policies are the best options because they will save you money in the long run.
You can buy the plan directly from an insurance company, or you can work with a reputable insurance broker.
Drug Coverage
You also need to know that Medigap policies do not cover prescription drugs, so if you don’t have drug coverage, you’ll need to buy a separate Medicare Part D drug plan too. See Medicare.gov/plan-compare to compare plans. Also note that Medigap plans do not cover vision, dental care, hearing aids or long-term care.
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 (see medicare.gov/plan-compare) that provides all-in-one coverage. These plans, which are sold by insurance companies, are generally available through HMOs and PPOs that require you to get your care within a network of doctors.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

SAVVY SENIOR: Does Medicare Cover Home Health Care?

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Dear Savvy Senior, How does Medicare cover in-home health care? My husband has a chronic health condition that makes it very difficult for him to leave the house, so I’m wondering if he could qualify for Medicare home health care.

Seeking Help

Dear Seeking,
Medicare covers a wide variety of part-time or intermittent in-home health care services to beneficiaries in need, if they meet Medicare’s criteria. Here’s how it works.
In order for your husband to secure coverage for home health care, Medicare first requires that he be homebound. This means that it must be extremely difficult for him to leave home, and he needs help doing so either from another person or medical device like a cane, wheelchair, walker or crutches.
He will then need to have a face-to-face meeting with his doctor to get a home health certification confirming that he needs skilled-nursing care or skilled-therapy services from a physical or speech therapist on a part-time basis.
His doctor can also request the services of an occupational therapist and a personal care aide to assist with activities of daily living such as bathing, dressing and using the bathroom. His doctor must renew and certify his home health plan every 60 days.
He will also need to use a home health agency that is certified by Medicare.
If he meets all of the requirements, Medicare should pay for his in-home health care.
But be aware that Medicare will not pay for personal care aide services (for bathing, dressing, using the bathroom, etc.) alone if he does not need skilled-nursing or skilled-therapy services too. Homemaker services, such as shopping, meal preparation and cleaning are not covered either.
If your husband has original Medicare, you can locate a Medicare-certified home health agency by calling 800-633-4227 or by visiting Medicare.gov/care-compare. If he has a Medicare Advantage plan, you should contact his plan directly and ask which home health agencies work with the plan and are within the plan’s network of providers.
For more detailed information on how Medicare covers in-home health, see the “Medicare and Home Health Care” online booklet at
Medicare.gov/Pubs/pdf/10969-Medicare-and-Home-Health-Care.pdf.
Other Options: If your husband does not qualify for Medicare home health care coverage, there are other coverage options depending on your situation. Here are several that may apply to you:
Insurance: If you happen to have long-term care insurance, check to see if it covers in-home care. Or if you have a life insurance policy, see if it can be utilized to pay for care.
Medicaid: If your income is low, your husband may qualify for Medicaid, which offers different home and community-based services that can pay for in-home care. To investigate this, contact your local Medicaid office.
Also see if PACE – which stands for “Programs of All-Inclusive Care for the Elderly” – is available in your area (see NPAonline.org). PACE provides in-home care, including help with activities of daily living, such as meals, dental and medical care, among other benefits.
Veterans Benefits: If your husband is a veteran, the VA also offers some benefits that can help. Two programs to inquire about are “Aid and Attendance or Housebound Allowances” and the “Veteran-Directed Care” program. Both programs provide monthly financial benefits to eligible veterans that can help pay for in-home care. To learn more, contact your regional VA benefit office (see Benefits.va.gov/benefits/offices.asp or call 800–827–1000).
To look for these and other programs in your area that can help pay your husband’s home care, go to PayingForSeniorCare.com and click on “Find Financial Assistance for Care” to access their Eldercare Financial
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

What is Metabolic Syndrome?

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by Dr. C.V Ramana

Metabolic syndrome is a combination of risk factors that increase the likelihood of developing heart disease, diabetes, and stroke. These risk factors include high blood pressure, high blood sugar levels, excess body fat (particularly around the waist), high triglyceride levels and low levels of good cholesterol. Having only one of these risk factors does not mean that you have metabolic syndrome, however, having one will increase the possibly of developing cardiovascular disease. Having three or more will likely result in a diagnosis of metabolic syndrome. The two critical risk factors for diagnosing metabolic syndrome is excess central body fat and insulin resistance.
The American Heart Association reports that approximately 25 percent of the American population has metabolic syndrome. To diagnose metabolic syndrome your primary care provider will perform tests to look for signs of the disorder. These tests may include a baseline blood pressure measurement, waist circumference measurement, a fasting lipid panel, and a fasting glucose level. Complications of metabolic syndrome include hardening of the arteries, peripheral artery disease, cardiovascular disease, diabetes, heart attack, kidney disease and stroke.
If you think you are at risk for metabolic syndrome, see your primary care provider for an examination and screening. Metabolic syndrome is treatable and the poor outcomes related to living with the disorder for many years are avoidable. Your primary care provider can provide support and encouragement for decreasing your overall body fat by making lifestyle changes. He or she can prescribe medications to reduce high blood pressure, high blood sugar and even high cholesterol. Preventing poor outcomes from metabolic syndrome is certainly possible. Establishing a primary care provider and having regular check ups is the first step in taking control of your health and leading a healthier lifestyle.
You are also welcome to call our Vascular Center to schedule a prompt and free consultation. You can contact us at 405-608-8884. We are a specialized center staffed with highly experienced professionals, including a Vascular/Interventional physician, dedicated to treating vascular disease on an outpatient basis using the latest proven technology to combat this epidemic.
Dr. C.V Ramana is a vascular and interventional radiologist with more than 20 years of practice experience. He has expertise in all areas of vascular and interventional radiology. Dr. Ramana has a Ph.D from Yale University and MD from CWRU in Cleveland, Ohio where he subsequently completed his fellowship in Vascular and Interventional Radiology at the Cleveland Clinic.
Visit Naadi Health at 1 NW 64th Street in Oklahoma City or call (405)-608-8884. www.naadihealthcare.com

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