Blue Cross Blue Shield of Oklahoma has submitted a Qualified Health Plan application, along with rates, for certification in the federally-facilitated exchange for 2018. This is an initial indication that, for the second straight year, only one insurer in Oklahoma will offer exchange products in the individual market.
“There is an incredible amount of uncertainty in the market right now,” said Oklahoma Insurance Commissioner John D. Doak. “Insurers participating in Obamacare have experienced major losses. While we expect a full repeal of this disastrous experiment, insurers have to go by the regulations in place right now. That’s why we’ve seen so many insurers dropping out of exchanges across the country or resorting to double digit premium increases.”
The Oklahoma Insurance Department does not have statutory authority to approve or deny rate increases filed by insurers on the federal exchange. Oklahoma, along with Texas and Wyoming, is a direct enforcement state with no authority to enforce provisions of the Affordable Care Act.
The Centers for Medicare and Medicaid Services (CMS) intends to post information on proposed rate filings for consumers to review on https://ratereview.healthcare.gov on Aug. 1, 2017. In compliance with state statutes, OID cannot release or comment on the rates until that time. CMS officials will review the proposed rate changes, determine if they are justified and post final rate information on Nov. 1, 2017 in time for open enrollment.
According to the American Academy of Actuaries, individual market stability, including insurer decisions on participation for 2018, hinges on:
* Continued funding of cost-sharing reduction (CSR) reimbursements.
* Enforcement of the individual responsibility penalty.
* Risk mitigation mechanisms aimed at lowering premiums, increasing enrollment and improving the risk pool.
* Avoiding legislative or regulatory actions that could increase uncertainty or threaten stability.
State Question 756, passed in 2010, amended the Oklahoma Constitution to prohibit laws which compel individuals, employers and providers to participate in health care systems. Because of that legislative change, insurers offering products on the Oklahoma exchange are required to submit rate filing justifications to CMS for evaluation and approval.
History of Oklahoma Exchange Carrier Participation
2017 – Blue Cross Blue Shield
2016 – Blue Cross Blue Shield, United Healthcare
2015 – Blue Cross Blue Shield, Community Care, Global Health, Assurant
2014 – Blue Cross Blue Shield, Community Care, Global Health, Aetna, Coventry

In order to enhance the patient experience and better serve the surrounding community, St. Anthony Healthplex East is pleased to announce the opening of St. Anthony Pharmacy East.
The pharmacy is located on the first floor of St. Anthony Healthplex East, and is opened from 8 a.m. to 5:30 p.m., Monday – Friday. The pharmacy will accept most insurance prescription plans including Express Scripts, Tricare, CVS Caremark, Humana, BlueCross and many others.
The benefits of the pharmacy include convenience for ER patients and patients of St. Anthony Physicians Group, St. Anthony Healthplex East, as well as professional patient counselling services.
St. Anthony Healthplex East is pleased to offer these expanded services to patients and the community, in an effort to make health care more accessible and convenient.
St. Anthony Healthplex East is located at 3400 S. Douglas Blvd., in Oklahoma City. To contact the pharmacy please call 405-772-4034.

by Bobby Anderson, Staff Writer

It’s Friday morning heading into Memorial Weekend and Tim Ingram has been up since 4 a.m.
The general manager of Yukon’s Smith & Turner Mortuary rose early to make sure the finishing touches were in place for that day’s service.
Later in the day, Ingram and his staff would open their doors to the family and friends of a beloved husband, father and grandfather.
Celebrating the life of a career truck driver with more than two million miles was on everyone’s minds.
Pictures, clothing, memorabilia, a love of John Deere tractors, farming and cans of A&W root beer were all pieces that seamlessly would weave this individual’s story together.
There would be tears for sure, but Ingram wanted to make sure there would be smiles and even some laughter inside.
“We’re taking the funeral industry into a whole new area that most people haven’t seen,” Ingram said. “It’s a whole new way. You don’t have to be mournful through the entire service. A lot of these people have struggled for months or years and so now it’s time to take a deep breath and celebrate their life.”
A SERVANT’S HEART
While many Oklahomans would spend the holiday weekend at the lake, Ingram would be visiting local cemeteries making sure Smith & Turner grave sites were properly adorned for visiting families and friends.
It’s not just a business it’s a calling for Ingram and his family.
Ingram has also been a registered nurse for the past 18 years. Working in the ICU and then hospice, Ingram remembers feeling devastated.
“I was handing families over to funeral homes that weren’t even doing their own work. The funeral home wouldn’t even come to pick them up, they were sending some service out to meet with these families,” Ingram said. “I had just spent all this time with these families and (funeral homes) weren’t even caring.”
The sound of his patient’s name being mispronounced or wrong information given during a service grated on him.
“My wife and I prayed about it and decided this was a mission field that needed to be filled,” said Ingram, who earned a degree in Mortuary Science. “This is a ministry for us. We look at it as a way to get people through the grieving process. We not only help our families but we’re here for the community.”
Ingram serves on the board of Compassionate Hands, which serves Yukon as a clearinghouse, networking service, and referral agency to provide services, support and to foster hope for self-sufficiency.
“It’s pouring back into the community,” Ingram said.
CELEBRATING LIFE
Taking care of people through nursing and funeral services just seemed to go hand-in-hand.
“It’s the same,” Ingram said of the two fields. “I feel it’s just like taking care of a patient but you’re taking care of the family. You think of the nursing process as assessing, diagnosing and treating. You’re always looking at what’s going on with that body. The same thing happens here as soon as you meet that family. You’re assessing the situation, family dynamics, who’s getting along and who isn’t, what did they like and what do you see around you.”
Smith & Turner Mortuary dates back to 1925, serving four generations of Oklahomans in that time.
It’s a business that has to be ready 365 days a year and has to be flexible enough to serve families on their terms.
“A lot of our families don’t go to church anymore and so the tradition of the ladies at the church preparing a meal has kind of gone by the wayside,” Ingram said. “We have a gathering room that accommodates large families.”
From cookies, punch and tea and coffee to catered meals, Ingram makes sure families can choose.
“We want to serve all families,” Ingram said. “Families that don’t want (a traditional service) you shouldn’t put them in that mold. If they want to go out to the farm and have something at the pond we go to the pond.”
“If they want to go to the bowling alley and grandpa liked to bowl and was on a league let’s get out of the building and go to the bowling alley and let’s bowl.”
“Whatever it takes for that family to get through the grieving process is what we want to do.”
Walk through the halls at Smith & Turner and you’ll notice the attention to detail Ingram and his staff have maintained.
Smith & Turner Funeral Director Andy Shoaf has helped guide families through the process for 44 years.
Large rooms open to smaller sitting areas for one or two people to take a moment to themselves and work through the process.
Fresh-baked cookies great guests.
It’s a place for families.
“We want spaces where families don’t feel on top of each other and where they can come in here and socialize,” Ingram said.

story and photos by Bobby Anderson, Staff Writer

With more than a decade in law enforcement, Oklahoma County Sheriff’s Deputy Kim Lopez knows criminals have nothing but time to figure out new ways to prey on society.
Nationwide, and in the Heartland in particular, seniors are quickly becoming a favorite target.
That’s why Lopez is passionate about taking the message of awareness to seniors across the metro through the TRIAD Program.
TRIAD is a collaborative effort between the sheriff’s office, local police departments and senior citizens working together to reduce and prevent crimes against seniors.
The Oklahoma County TRIAD program began in 1997 and has developed into the strongest program in the state and one of the best in the country.
S.A.L.T. (Seniors and Law Enforcement Together) Council is the group which carries out the TRIAD activities and Lopez says there are currently 19 councils.
Vickie Hogan was one of the first members of the Valley Brook S.A.L.T. Council.
A former town trustee, she remembers when Southeast 59th St. was still a dirt road and when someone came to her grandmother’s home offering to seal her tin roof garage.
“There’s a lot of fraud with seniors,” Hogan said, unfolding the story of why she got involved.
“All they did was spray paint (the roof) and when the two of them went in to get their money they took whatever money she had left. I had to take all of her jewelry off because she was always walking around talking and shaking hands with everybody because she was so friendly.
“Seniors are so friendly and the older you get the more trusting you are of other people.”
Lopez says the goal is to educate seniors on crimes directed at their age group and how to prevent becoming a victim.
The program offers educational seminars on frauds, scams and personal safety issues.
“It’s given us a lot of information on how to avoid (fraud),” Hogan said.
Through the program, Hogan says she’s learning to be more vigilant when she’s out.
And it’s a constant process since criminals move from scam to scam.
Lopez said the goal is to arm seniors with information on new scams as they arise.
A current scam is people calling homeowners to verify that they’ve filed their homestead exemption. The caller requests a copy of your driver’s license to verify that you are indeed receiving the tax credit.
Seniors have also reported individuals calling and posing as law enforcement and notifying them they are involved in a civil suit and did not show.
Callers threaten them with jail that can be avoided in lieu of a prepaid debit card or cash payment.
“The thing you learn in S.A.L.T. is 99 percent of those you’re not going to fall prey to if you don’t answer your phone,” Lopez says. “We preach that and we teach that. Let it go to voicemail.”
Lopez stresses to seniors that current technology allows callers to manipulate the number and description of the call that appears on caller ID.
“They can make it look like it’s coming from the IRS, the Pentagon or the police department when they’re asking for funds to fingerprint children,” Lopez said. “Don’t answer your phone unless you know exactly who it is.”
“The other one is don’t call numbers back. A lot of these incoming messages are left as a coercion to have you call back.”
Listening to how criminals can “wash” checks and reuse them or steal PIN numbers through special heat-sensitive cameras on their cell phones was an eye-opener for Hogan.
“I was shocked. I had no idea,” she said.
Lopez says resources are available for seniors through the various S.A.L.T councils.
A few of these include:
* The Refrigerator Information Card Program gives emergency responders immediate information to help serve you better in case of an emergency. Cards are available at no charge upon request.
* Oklahoma Seniors Against Fraud – An innovative educational campaign to inform seniors and other consumers on how to detect telemarketing fraud. Contact Southwestern Bell Pioneers 1-800-585-7448.
* Smart Alert Light Program – Light bulb flashes to help emergency responders find your home when seconds count. No special equipment or electrician needed. Available at the Light Bulb Store for $5.00 located at 3940 NW 10th St, Oklahoma City.
* Remembering When-Fall and Fire Prevention Program for the elderly.
* Bridges Program-Bridging the gap between the generations. Brings youth and senior citizens together bridging the gap of understanding.
“People that aren’t coming to S.A.L.T. aren’t getting this information,” Lopez said. “So much of this can be prevented.”
For more information you can contact Lopez at 405-713-1950 or by email at [email protected].

by Bobby Anderson
Staff Writer

Five years ago, a developer invited Roland J. Chupik’s Neighborhood Housing Services Oklahoma group to help rehabilitate Wesley Retirement Village located at NW 12 and Harvey.
The 85-unit apartment complex was formerly Wesley Hospital, which later became Presbyterian Hospital from 1911 to 1964.
“The marketing study that went along with that showed the need for senior independent living is just incredible,” said Chupik, the general manager of NHS Oklahoma. “There’s no way we’re meeting that need.”
In an effort to do just that the group turned its attention to the heart of the city, in particular along Classen Drive just north of St. Anthony Hospital.
The result is an astounding 48-unit complex that wows before you even make it through the door.
The Commons, located in a residential area in downtown Oklahoma City, already looks like a fixture between the booming Midtown District to the south and the coveted Mesta Park neighborhood to the north.
The newly-constructed, energy-efficient complex is designed for those 62 and older.
One-bedroom, two-bedroom and efficiency offerings come fully equipped with washer and dryer, microwave, stove/oven, garbage disposal, refrigerator and dishwasher.
“It’s amenity-rich in terms of providing what residents need,” Chupik said.
Over-delivering was the hallmark of the project.
“It was extremely important because we encounter that all the time – ‘not in my backyard,’” Chupik said of the affordable-living concept. “We wanted to show not only the neighborhood but the city and whoever was interested that affordable housing particularly for seniors doesn’t have to be what people think that might be.
“I think we nailed it on the head.”
The Commons gives residents quick access to several shopping locations.
Family and friends are welcome to enjoy the splash pad, tot lot and patio grills for an afternoon or evening.
Property staff attends to those day-to-day tasks that residents no longer have to concern themselves with such as lawn care and maintenance.
A fitness facility, computer lab and library are all located within the building.
“It goes back to our mission,” Chupik said.
The Commons is actually the group’s former headquarters.
“It’s just exceeded our expectations,” Chupik said. “When you talk to the residents they’ll tell you it’s the best place they’ve ever lived.”
A lot of time and effort – along with meetings with local neighborhood organizations – went into making sure the building and its footprint would fit seamlessly into the area.
Resident Manager Shannon Hitchcock said the interest in the property has been strong.
“(The waiting list) is going to be fairly long but right now I still have openings,” Hitchcock said. “I anticipate there will be a two or three-year waiting list.”
To help residents on a budget, the property was constructed with energy efficiency in mind. Foam insulation inside walls helps prevent energy loss while higher R-value windows help block excess heat from entering.
HISTORY OF HELPING
In the late 1970s, the country was facing a decline in the economy. The oil embargo hit Oklahoma particularly hard and neighborhoods began to turn into ghost towns as people fled homes they could no longer afford. The abandoned houses began to deteriorate and crime began to rise as a result.
A group of dedicated Oklahoma City residents fought to combat this by banding together and forming “Residents for Capitol Hill Improvement.” This organization petitioned the city to provide funding to help provide quality-housing options, which would help alleviate the decline.
Eventually this grassroots organization merged with NeighborWorks America, an organization dealing with the critical need for affordable housing across the country.
Over time, the grassroots organization evolved into Neighborhood Housing Services Oklahoma.
In 2016, the group celebrated its 35th anniversary and continues its dedication of helping create affordable, quality housing options and to help families create wealth.
Potential Commons residents must be 62 or older and meet income guidelines. The application process can usually be completed in less than a week.
Hitchcock said the majority of residents are active adults who are downsizing or coming from a less energy-efficient property.
“It’s important this process continues,” Chupik said. “This is the beginning but I don’t think we’ll end our mission for affordable housing. If it’s possible to build even better we’ll do that but I’m not so sure it’s possible.”

Navigating the uncharted territory known as aging is not always easy. In fact, it can be down right frustrating. Boomers and seniors are encouraged to “plan ahead,” but knowing where to turn and who to trust when seeking information is often a challenge.
The Senior Living Truth Series, an ongoing educational program made up of monthly seminars and expert panels, explores various topics of interest to the 55 and over crowd. Boomers and seniors alike are invited to attend the free seminars.
Gary Harris began attending the seminars over a year ago.
“I appreciate the information provided at the seminars. says Harris. “They are well-organized and interesting with something new to learn every month.”
Like Harris, many attendees are preparing for the next chapter of life. Where and how can I live? What kind of support is available? How do people pay for senior living? Who will help me downsize?
The Senior Living Truth Series originated when Nikki and Chris Buckelew of Buckelew Realty Group at Keller Williams Realty set out to become the experts in mature moves in and around the Oklahoma City metro.
“Because our team specializes in downsizing, rightsizing, and simplifying, we get a lot of questions about topics outside the discipline of real estate. It became important to have highly competent and trustworthy resources and that is how the series began,” says Nikki Buckelew. “It was a grand experiment launched together with a small group of like-minded professionals, many still involved as sponsors.”
The Buckelews have made it their personal and professional mission to educate and guide consumers about best practices related to post-retirement living.
The attraction of the series may be that attendees are promised frank and uncensored commentary on the issues. Dr. Don Emler and his wife Suzanne began attending the seminars last year.
“The programs cover a wide range of topics and provide people with valuable resources to assist them,” Dr. Emler said.
As a retired religious educator and clergy considering his own options for future housing and care needs, he knows that many people are struggling with similar decisions. The couple also encourages formal and informal caregivers to attend the seminars so they are equipped to help others.
“I believe that clergy should attend so they can guide parishioners in making decisions about downsizing, moving, staying put in their own house, or daily care needs,” he said.
Beyond the issues of housing and senior living, the Emlers have also learned about the intricacies of long-term care insurance, veteran-related benefits, and in-home care options.
“Knowing where to go can be particularly hard for widows, added Suzanne. When you have had a partner alongside you for many years, making changes alone can be scary. The seminars provide a non-threatening atmosphere where people can go to become better informed and equipped.”
Melissa Hill of Home Care Assistance, a regular sponsor of the event, said the series has also impacted people in a way that was unexpected.
“Many people attend regularly and as a result, we get to know each other. The Senior Living Truth Series provides unbiased information and often answers questions that people didn’t even realize they should ask,” Hill said.
The next event is titled “The Truth About Probate for Property Owners “ on June 8th from 10:00am – 11:30am at the newly completed MAPS3 Senior Health & Wellness Center located at 11501 N Rockwell Ave. in Oklahoma City.
“We hear so much misinformation about the probate process. People think they know all about it, but it seems to cause a lot of problems at a time when problems are the last thing you need. We simply want to dispel the myths and equip people with facts,” Buckelew said.
Registration is free for those 55 or older and their guests. Registration for professionals is $25. Pre-registration is required and can be made at www.seniorlivingtruthseries.com or 405-563-7501. Space is limited.

by Bobby Anderson,
Staff Writer

As a licensed clinical social worker, Liz Shumate understands sadness and depression are not a normal part of aging.
But for thousands of Oklahoma seniors, happiness is something they believe is long gone.
“Happiness is obtainable,” said Shumate, program manager at Norman Regional Senior Counseling Center. “Even though you’re an older adult that doesn’t mean that your older years need to be unhappy. There’s ample opportunities to help people be the best version of themselves and make changes and find new happiness.”
Throughout the week at Norman Regional Moore, 700 S. Telephone Rd, you’ll see seniors working on finding that happiness once again.
There’s smiles, tears, coffee, conversation and even lunch.
Shumate says the later years of life should be a time of enjoyment and continued positive, intellectual and emotional growth.
Senior adults experience a variety of unique and difficult life changes that can be overwhelming at times. For some, these challenges include declining physical or mental capabilities, the loss of independence and the loss of loved ones. These changes may cause confusion, depression, anxiety and withdrawal.
Many who lived through the Great Depression and war years often try to overcome their emotional obstacles on their own. Often unrecognized for a treatable condition, depression and feelings of sadness are allowed to remain untreated for years, allowing senior’s mental and physical health to spiral downward.
Counseling is also something unique to many older Americans.
“I think sometimes older adults are often overlooked,” Shumate said. “But they just seem to be very appreciative of the consistency of a caring person helping them get to where they want to be.”
Many of Shumate’s patients live alone. Isolation can be the worst thing possible for those struggling.
“The great thing about our service is the primary service we offer is group therapy,” Shumate said. “That’s an opportunity for people to not only interact with a therapist but to get that peer support. Often times they’re able to realize ‘I’m not the only one or other people have problems, too.’ When you’re isolated you tend to focus on what you don’t have and what you can’t do. Often smaller problems will exacerbate into bigger issues and they are something we can help you work on if you’re open to meeting new people and participating in the process.”
Transportation is provided within a 35-mile radius and vehicles are equipped with wheelchair lifts. Program services are offered during the day which allows patients to return to their homes in the afternoon.
Norman Regional Senior Counseling Center provides three group therapy sessions that incorporate fun and friendliness while discussing life’s victories and challenges.
A relaxed, comfortable environment is provided where patients are encouraged to participate in groups and is designed to promote achievement of individualized treatment goals.
Participants are served a lunch and provided snack breaks between sessions. Inspiration provides bathroom assistance to meet each patient’s individual needs. Services are approved and monitored by a physician.
Farhan Jawed, MD, is the medical director of the counseling program.
“Norman Regional Senior Counseling Center provides stability for a vulnerable population,” Jawed said. “Our services create routine and structure as we support the patient’s overall well-being. We collaborate with family to provide education about their loved one’s psychiatric disorder to support successful treatment outcomes.”
Shumate said each day often begins with patient arriving and greeting one another over coffee.
Relevant group therapy curriculum is always planned but Shumate says the beginning moments where patients are encouraged to share victories and setbacks often will steer the conversation.
There are breaks and then lunch is served.
Shumate knows the lunch hour is often a time when seniors are able to begin processing their morning.
“Often times you’ll hear people say ‘I never thought about that. This is motivation for me to try new things,’” Shumate said. “A lot of our folks who have been isolated or depressed we don’t just say ‘call this number.’
“You’ll hear a lot of encouragement in the dining room – peer support – and then they go home on the bus and that’s more socialization time.”
Signs you or a loved one could use help:
*Sadness/Depression
*Irritability or agitation
*Loss of interest in activities
*Feelings of suspicion and mistrust
*Excessive worry and anxiety
*Tearfulness or crying spells
Norman Regional Senior Counseling Center offers two schedule options for participants. The morning program runs from 9 a.m. to noon and the afternoon program is offered from 11:45 a.m. to 2:45 p.m. with transportation offered.
If you or someone you know could benefit from this program simply call (405) 912-3495. A screening will be provided at your convenience in the comfort of your home. Medicare is accepted.