Dear Savvy Senior, I’m approaching 65 and am interested in a Medicare Advantage plan to cover my health care and medications. What tips can you provide to help me pick a plan? Medicare Shopper

Dear Shopper,
Medicare Advantage plans have become increasingly popular among retirees over the past 10 years, as more than 30 percent of Medicare participants are now enrolled in an Advantage plan. Here are some tips and tools to help you pick a plan that fits your needs.
First, let’s start with a quick review. Medicare Advantage plans (also known as Medicare Part C) are government approved health plans sold by private insurance companies that you can choose in place of original Medicare. The vast majority of Advantage plans are managed-care policies such as HMOs or PPOs that require you to get your care within a network of doctors.
If you join an Advantage plan, the plan will provide all of your Part A (hospital insurance) and Part B (medical insurance) coverage. Some plans even offer extra benefits like vision, dental and hearing, and most plans include Part D prescription drug coverage too.
You also need to know that the monthly premiums for many Advantage plans are cheaper than if you got original Medicare, plus a separate Part D drug plan and a Medigap policy, but their deductibles and co-pays are usually higher. That makes these plans better suited for healthier retirees.
How to Pick
To help you pick a plan, a good first step is to call the office managers of the doctors you use and find out which Advantage plans they accept, and which ones they recommend. Then go to the Medicare Plan Finder tool at Medicare.gov/find-a-plan and type in your ZIP code or your personal information to compare health plans with drug coverage in your area.
This tool also provides a five-star rating system that evaluates each plan based on past customer satisfaction and quality of care the plan delivers. When comparing, here are some key points to consider:
Total costs: Look at the plan’s entire pricing package, not just the premiums and deductibles. Compare the maximum out-of-pocket costs plus the copays and coinsurance charged for doctor office visits, hospital stays, visits to specialists, prescription drugs and other medical services. This is important because if you choose an Advantage plan, you’re not allowed to purchase a Medigap policy, which means you’ll be responsible for paying these expenses out of your own pocket.
Drug coverage: Check the plan’s formulary – the list of prescription drugs covered – to be sure all the medications you take are covered without excessive co-pays or requirements that you try less expensive drugs first.
Dental, vision and hearing: Some Advantage plans come with dental, vision and hearing benefits, but are often limited. Get the details on what exactly is covered.
Coverage while traveling: Most Advantage plans limit you to using in-network doctors only within a service area or geographic region, so find out what’s covered if you need medical care when you’re away from home.
Out-of-network coverage: Check to see what’s covered if you want to see a specialist in a hospital that is not in a plan’s network. You can get a list of doctors and hospitals that take part in a plan on the plan’s website.
Retiree benefits: If you have employer-based retiree health coverage, be sure you speak with the benefits manager, because signing up for Medicare Advantage may void your coverage.
How to Enroll
Once you’ve selected a plan you can enroll either on the Medicare.gov website, over the phone at 1-800-MEDICARE, directly with your chosen plan or through an insurance broker.
If you need some help choosing a plan contact your State Health Insurance Assistance Program (SHIP) at Shiptacenter.org. Also see the HealthMetrix Research Cost Share Report at MedicareNewsWatch.com that lists the best Advantage plans based on health status.
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.

Sunbeam Family Services and the Oklahoma Institute for Child Advocacy (OICA) recently appointed eight-year-old Justin Evers as Oklahoma’s first Kid Governor.
Justin, a second grader at John Rex Charter Elementary School, was one of 19 children ages 7-11 who submitted videos for the “Vote 4 Kids” campaign led by Sunbeam and OICA. Kid Governor’s term begins April 2016 and will end in November at the 2016 Oklahoma Kids Count Conference.
During Justin’s term, he will address issues affecting the well-being of Oklahoma’s children such as foster care, childhood poverty, early childhood education and mental health.
Justin says he wants Oklahomans to pay attention to issues that affect the state’s children, specifically foster care. His parents, Lindel and Shannon Evers, are foster parents and the video he submitted to be considered as a candidate addressed the need for more families to join the effort.
“I think it’s great that I’ll have a chance to be the first Kid Governor of Oklahoma,” Justin said. “I want kids to know what’s happening in our state.”
Justin’s first public appearance will be at Sunbeam’s Shine a Light fundraising gala on April 7 at the Chevy Bricktown Events Center at 6:30 p.m. Learn more at www.shinealightokc.org.

Senior finds new life behind silver screen

by Bobby Anderson, Staff Writer

After several health issues including a heart attack, stroke and a multiple sclerosis diagnosis, Martin Evans’ doctors term him a “walking miracle.”
So at age 63 it shouldn’t come to anyone’s surprise that the man with a background in food service, construction and ministry has combined all three and opened up Norman’s newest discount theatre.
Three months and bucket fulls of sweat equity later, Evans wouldn’t trade the experience for the world and movie goers continue to line up day after day for a unique entertainment experience.
“It’s a family-oriented business,” Evans says. “Our prices are reflective of value.”
The theatre features $1 tickets on Tuesdays. All other days shows before 4 p.m. are $2. After 4 p.m. the price goes to $3.
The value continues at the concession stand where you can get a large popcorn, large drink and candy for less than $10. Soda refills are just a quarter.
Evans admits he couldn’t do it without his wife of nearly 35 years, Pam.
Three sons and a daughter – nearly half of the Evans family – plus a nephew all work at the theatre.
Evans has nine children.
“Everyone of them rolled up their sleeves when it was still building in progress and my brother-in-law came out for a couple months and did most of the painting for us,” Evans said. “(Having a family business) most days it’s great. Some days we’re on opposite ends of the building so we don’t scream at each other.”
Evans has a long history in customer service.
He managed Sambo’s restaurants years ago as well as a string of fast-food restaurants in California and Southern Oregon.
A few years back, son Josh opened a theatre with partners in Waterbury, Connecticut. Hurricane Sandy struck and three months later a major nor’easter all but deflated Josh’s chances at operating a successful movie theatre.
“Things kept piling up so they closed it but he always wanted to get back in,” Evans said.
So it was no surprise that Josh came to his parents for a serious talk.
“He said he really wanted to do something with us,” Martin said. “He told us we weren’t going to make a living on Social Security and he wanted to get us in a position where we could make a living and not have to work.”
There’s been plenty of work lately, but Evans has a vision of duplicating his theatre success in other markets.
“I’m 63 and for the first time in my life I was able to go to a car lot and buy a brand new car,” Evans said. “A week later I went back and bought another one for the company.”
The public has responded.
“We’re having a ball. We love it and we love the community,” Evans said. “I can’t think of a better place to live and start your business than Norman.”
Before the front doors were even unlocked Christmas Eve 2015 more than 5,000 people had liked the theatre’s Facebook page.
A crowdfunding campaign yielded nearly $30,000 with people purchasing discount admission cards and on-screen advertising.
Schools from as far away as Paul’s Valley are bringing 200 students at a time for reward days.
Movies like Goonies, Back to the Future, Gone with the Wind, Sound of Music, Singing in the Rain, Indiana Jones and Jaws are back up on the big screen for those who
“A lot of kids will get to see a movie that they’ve maybe seen on TV but not on the big screen,” Evans said. “We cater to the kids and cater to the families. We see everything from grandparents bringing their kids for their first movie experience to large families on a tight budget. We’re starting to see more college kids.
“Really we’re widespread but we have a lot of seniors.”
The Red Hat ladies come once a week to enjoy the newly-renovated digs. Upgraded sound, seating and carpet await theatre goers with a new 3D experience coming later this summer.
A family of five can come to the theatre and spend less than $50 including tickets and food.
Evans even offers a special line of all-beef hot dogs.
The nacho dog has cheese, chips and jalapenos. The namesake Marty Dog weighs in with white queso, bacon, guacamole and pico de gallo.
Fresh-baked pizza and boneless wings make an appearance after noon.
Evans credits a very aggressive film booker in getting the theatre its releases.
“It’s the same process. We have a booker who negotiates the film and the studio tells us the special things we have to do,” Evans said.
When you walk into Evans Theatres you can tell it’s a different type of theatre.
Pam Evans knows why.
“We believe everyone that walks through that door is family – family that we like,” Pam says with a chuckle.
Evans Theatres Robinson Crossing 6 is located at 1300 N Interstate Drive in Norman and opens at opens at 10:00 AM.

Diverse excellence sets the standard for Newby Vance Mobility Sale

by Jason Chandler, Staff Writer

It is the business model of Newby Vance Mobility Sales in Guthrie that is unique in meeting the needs of persons living with a disability, said Jim Seeger-Newby, of Newby Vance Mobility Sales. Newby Vance Mobility Sales is the only Ford, General Motors, Chrysler dealership franchise in the United States, Newby said.
“It’s also a full-fledged comprehensive mobility dealer,” Newby said.
The business model is designed to allow people who have a family member with a special transportation need to come to a single location, Newby said. Their individual vehicle needs will be identified at the same time their mobility needs are evaluated.
“It allows people to be treated like anyone else and not have to go to a car dealership and purchase a vehicle and then have to take their vehicle to a handicapped store to have it adapted,” he said. “That is not a very user-friendly way to have their needs met.”
The Newby Vance Mobility Sales business model allows people to bring their vehicle here for its service work and body shop work to be taken care of at a single location.
“That is the strength of our business model,” he said. “So what we offer is a comprehensive mobility/automotive business model that allows people to have their entire set of automotive, transportation mobility needs met in a single location.”
The business was founded 20 years ago and with a lot of hard work became one of the largest 15 mobility dealers in the United States. He runs the business with his son, Marcus Newby. Its success is not only due to its business model but also by the way Newby Vance Mobility Sales treats customers with individualized service. Newby Vance Mobility Sales dwells on the relationships it cultivates with every customer.
“Once you do business with us, unless you move away or unless I move away, we’re probably going to know each other for the rest of our lives,” Newby said. “Because you’re going to be contacting us and bringing your vehicle in for special service, special care when the equipment or adaptions require special service or repair.”
Customers bring their needs back to where they have a trusted relationship at Newby Vance Mobility Sales. Relationships have been developed with more than 7,000 customers, Newby said. So reoccurring business is common.
Although Newby Vance Mobility Sales is located at an automobile dealership, it is important for customers and potential customers to function on a scheduled basis. The company serves clients from all across the state.
People go to typical car dealership stores sometimes on a whim, but 95 percent of Newby Vance Mobility Sales meeting with customers is on a scheduled basis, he said.
“When you come, one of the things we help you do is to identify what your short-term or long-term needs are,” Newby continued. “And that takes time to do. It’s not much fun to try to do that when you have people walking in and out on an unscheduled basis.”
The location is west of the 153 exit on Interstate 35, making it an easy to find business in central Oklahoma at the northern edge of the Oklahoma City metroplex.
“We’re right on the I-35 artery, and so it’s real easy to get to us no matter what direction you’re coming from,” Newby said. “You don’t have to suffer if you will congested city street driving to get to us. We’re a little bit farther for some people but it’s actually an easier drive for the majority of people who come to us.”
The BraunAbility manufactures a conversion that is installed on several different mini vans. This conversion lowers the floor of a vehicle to provide adequate head room for those people entering the vehicle in a wheel chair.
“The conversion also consists of a ramp that can operate electrically or manually,” he said
A person can literally push a button for the ramp to deploy and bring the person into the vehicle while they are in their chair. The flexibility of the product allows a person to drive from a wheelchair, ride in their wheelchair or transfer from their wheelchair.
“Not all people need a special mini van. It’s very individualized,” he said. “It’s what a person’s needs are and how you can help them determine what is in their best interest.”

by Bobby Anderson
Staff Writer

Gloria Ceballos, RN, PhD has worked in just about every nursing area you can imagine. From the operating room to home care to the classroom, Ceballos’ 40 years in nursing has taken her to places she never thought possible.
Now, as the Chief Nursing Office of AllianceHealth Midwest, Ceballos is lending that experience to growing local nurses who want to work for their hometown hospital.
Ceballos has helped transition the former Midwest Regional Hospital to the new AllianceHealth Midwest name.
“It has been a great ride with committing to quality of care here at Alliance Midwest,” Ceballos said. “We’ve seen a lot of change this year, changing our name and recruiting new nurses. We’ve recruited over 25 brand new nurses where for a while this hospital was hiring just one or two new nurses.”
Growing nurses is a passion for Ceballos.
She made sure AllianceHealth Midwest awarded eight $5,000 scholarships to students in the medical field last year. Four went to high school students and the rest went to college students already in a medical program.
Ceballos assigned mentors from the hospital to help them along.
“The scholarship doesn’t tie them to us – we hope it does,” Ceballos said. “It’s more mentoring through their schooling. In the end, they could choose to work for us if they wanted to.”
By being one of the largest employers in the area, AllianceHealth Midwest is able to be a strong supporter of employment opportunities within the community. AllianceHealth employs more than 1,500 individuals, equaling to more than $70 million a year paid in salaries and benefits.
What was established in 1962 as a community hospital is now a 255-bed acute care facility. AllianceHealth Midwest was the first metro hospital to meet the requirements to be recognized as a Certified Level III Trauma Center by the Oklahoma State Department of Health.
“There are nurses that want to stay here in the community and if we encourage them they will stay,” Ceballos said. “Oklahoma needs every single nurse it can keep. Nursing is a career you can take worldwide, really. We want to keep the nurses that want to stay close to home and to their families and not have to leave.”
Formerly, Ceballos worked as a consultant in Florida. Ironically, it was that job that brought her to Midwest City.
She came to help with finding solutions but found a great opportunity in front of her.
“I saw the effort this team put in. They convinced me to come,” Ceballos said. “Most people don’t get to see their organizations from the inside before they’re hired. I got to see that and test it.”
With healthcare rapidly moving to a pay-for-performance model, Ceballos says communication of that fact to employees is critical.
Under Ceballos quality scores have improved.
“We are incrementally improving and sustaining, which is very important,” Ceballos said. “Nationally, hospitals are struggling with their satisfaction scores. Patients are not well when they come to us. Our goal is for them to understand why they are hospitalized and what they need to know before they leave.
“We want to make sure if they need us again they are sure to come back.
“I want the nurses to embrace the new healthcare environment because it’s here to stay.”
With the increasing importance of scores derived from the Hospital Consumer Assessment of Healthcare Providers and Systems (HCAHPS), Ceballos says it’s important that nurses understand how the assessment works.
The HCAHPS survey contains 21 patient perspectives on care and patient rating items that encompass nine key topics: communication with doctors, communication with nurses, responsiveness of hospital staff, pain management, communication about medicines, discharge information, cleanliness of the hospital environment, quietness of the hospital environment, and transition of care.
The survey also includes four screener questions and seven demographic items, which are used for adjusting the mix of patients across hospitals and for analytical purposes. The survey is 32 questions in length.
“Those questions are being correlated with patients coming back in the hospital,” Ceballos said. “Patients who answered poorly in some of these questions nationally are correlating maybe with readmissions, not taking their medications or not following up with their doctors. The patients still have to make the decisions but when they leave the hospital we should have given them the opportunity to have those questions answered.”
And one by one, Ceballos is answering any questions people might have about whether AllianceHealth Midwest is the right place for them.