A new exhibition featuring acclaimed American photographer Patrick Nagatani’s (1945-2017) portfolio that addresses nuclear testing, waste and history in the state of New Mexico opens Thursday, Aug. 5, at the Fred Jones Jr. Museum of Art, located on the University of Oklahoma Norman campus. Nuclear Enchantment, a series of 40 images created by the artist between 1988 and 1993, plays upon New Mexico’s motto as the “Land of Enchantment” to raise awareness of the effects of the nuclear industry on the state’s land and people. This is the first time the entire series has been exhibited in Oklahoma.

After moving to New Mexico in 1987, Nagatani visited sites of nuclear testing and radiation in the state. He saw parallels between narratives constructed around the nuclear industry and those found in the Hollywood film industry, where he had previously worked as a set designer. “The story Nagatani reveals through vivid colors and outlandish compositions may surprise, even disturb, viewers about the region many of us escape to during hot Oklahoma summers,” said curator Hadley Jerman. “The fabricated scenes and distorted landscapes are fascinating accounts of the stranger-than-fiction tale of nuclear testing in New Mexico but also serve as pointed commentary on photography’s role in “recording” the past.”

This exhibition is made possible by the generous recent gift of the series to the museum from the FJJMA Association and the Andrew Smith Gallery. In a time when museum galleries across the nation, and the world, were shuttered for the better part of the past 18 months, the acquisition of this portfolio helps meet the museum’s mission of bringing diverse art for public display at the Fred Jones Jr. Museum of Art. “We are excited and grateful for this opportunity to expand the museum’s collection with this striking, imaginative series,” said Alison Fields, a faculty member at OU’s School of Visual Art and co-interim director of the museum. “The issues raised in Nuclear Enchantment remain relevant today, and we look forward to sharing Nagatani’s important work with the public.”

In Nuclear Enchantment, Nagatani makes visible a New Mexico whose “enchanting” vistas are poisoned by toxic waste and whose arsenal—whether celebrated in monuments or missile displays outside schools—continues to threaten New Mexico’s inhabitants, specifically Native Americans. Before his untimely death in 2017, Nagatani wrote, “My intentions are to raise public consciousness about the effects of New Mexico’s nuclear industry that continues to grow despite the damage it has already caused and will continue to bring to the state. The series, Nuclear Enchantment, attempts to awaken the many New Mexicans who still believe nuclear power poses no threat and that defense spending promotes the economy. Culturally and geographically connected to New Mexico, it is perceived by the elite powers as a place that can be abused and even reduced to rubble.”

Patrick Nagatani: Nuclear Enchantment, will be on display through January 30, 2022. Public programming for this exhibition will be announced at a later date.

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.

The National Institutes of Health has awarded the Oklahoma Medical Research Foundation $480,000 for Alzheimer’s research.
OMRF scientist Michael Beckstead, Ph.D., received a two-year grant to continue his study of the role the naturally occurring brain chemical dopamine may play in the earliest stages of Alzheimer’s disease.
Most current Alzheimer’s research focuses on the outer and upper sections of the brain, which control symptoms of the disease like memory loss. This study will instead focus on a small bundle of neurons near the base of the brain, which regulates dopamine function.
Dopamine is a chemical responsible for voluntary movement and the perception of reward in the brain. Beckstead studies what can happen when things go wrong with dopamine cells, ranging from Parkinson’s disease when too little is present to drug addiction when there is too much.
Scientists have not yet directly implicated dopamine in Alzheimer’s, but Beckstead said there is evidence to suggest it is involved in the initial stages of the disease.
“When you look at people who develop dementia, many of them were first diagnosed with depression or have a history of apathy,” said Beckstead, who holds OMRF’s Hille Family Foundation Chair in Neurodegenerative Disease Research. “These symptoms are closely linked to dopamine. There’s a good indication that the area handling the chemical could be involved years before tell-tale symptoms of Alzheimer’s appear.”
Scientists in Beckstead’s OMRF lab will observe dopamine-controlled behaviors in research models of Alzheimer’s throughout development and the impact of environmental changes like diet on disease progression.
The study will also include a partnership with OMRF scientist Bill Freeman, Ph.D., a researcher in the foundation’s Gene and Human Diseases Research Program. First, Beckstead’s lab will identify abnormal brain cells using electrical signals. Then, Freeman’s team will analyze the cells using a technique never before applied to Alzheimer’s disease models to look for clues to explain why they are behaving differently.
“We used to compare a region of an Alzheimer’s brain to a region of a normal brain,” said Freeman. “But we know within the brain there are many types of cells, and each could play a different role in Alzheimer’s. Now we can look at what’s different between individual dopamine neurons, which provides us with answers to better questions.”
Freeman said the partnership between labs is a natural result of the diverse talents at OMRF. “To do impactful science, you have to cross over multiple disciplines,” he said. “It’s always going to be a team effort.”

By James Coburn, Staff Writer

If you told Ryan Bell when he attended nursing school that he would be a hospice nurse, he would have thought you were “off your rocker”.
Today, Bell is more than content and gratefully enriched by serving as the Regional Director of Operations at Kindful Hospice in Oklahoma City.
“Once I got into it, I fell in love with it,” he said. “I wouldn’t want to do anything different. I don’t foresee myself ever going into any other line of nursing.”
Bell earned a Bachelor of Arts degree in Journalism before switching careers. He has primarily worked in hospice for nine years since graduating from nursing school from Metro Technology Center in Oklahoma City.
“We started Kindful about three years ago,” Bell said of what was once a small mom-and-pop, pre-existing hospice in Norman and Ada with 11 patients.
Now Kindful Hospice has grown to serve nearly 300 hospice patients with comfort and compassion. Nobody is treated as a number at Kindful Hospice. Patients are treated like family. (story continues below)

“We are one of the ones that actually do,” he emphasized.
His staff are among the most compassionate people he has ever worked with. They give of themselves until one would think they have surpassed their energy level. But they give some more.
“They just pour into our patients an incredible amount of love and compassion towards them,” Bell explained.
Hospice nurses work with what is perhaps the most vulnerable of patient populations. Case manager Vanessa Rodriguez, RN, keeps her spirit strong by having a good foundation with God. To give of oneself as a hospice nurse is totally fulfilling, she said.
“From my experience, we can help them get their wings. They get to meet Jesus — it’s helping them up through the journey,” Rodriguez said. “Taking care of them is really kind of self-care in itself because you get to spend that time with them, connecting with them, and making sure they’re comfortable in the process.”
She also makes sure to invest in activities that fulfill her soul such as hiking with her children. Recently, she has re-established exercise goals as key to stamina. And she is mindful of the need to be empathetic with family members and their loved ones in hospice. COVID-19 was a challenge for family members visiting loved ones outside a window of a long-term care facility. The nursing staff gave kindness so not to be a stranger sitting beside somebody taking their last breath, she said.
“For me it’s having a strong faith and that’s what helps me,” Rodriguez said. “It’s different for everyone, but I thank God every day for the opportunities to help his children.”
Her grandma is what brought her to hospice. She had been working in intensive care units and cardiac. Rodriguez lost both her parents at a young age, so her grandmother was part of her core strength of inspiration. She was 99.
“When she got sick it was hard for me, and she had a hospice nurse — she had a light over her — and I thought that would be the most amazing thing to ever do,” Rodriguez said. “And so, I jumped in — for me it was my grandma. She just touched my life.”
What she reveres the most about Kindful Hospice is knowing patients and family members who open the door of acceptance for her to be part of their lives. Just walking along beside them in their journey is an opportunity to fortify faith.
“Some of them aren’t believers, and that’s fine. So just to help them with were they’re comfortable is to learn something different about each one of them,” she said. “It’s something that helped me grow in just meeting them where they’re at.”
There are different variations among families. Not everyone is able to be with their dying family members when the final second comes. Every experience is different, and Kindful Hospice embraces the opportunity for the staff to give what is needed.
She is available to help educate the probable timeline when asked the toughest question: How long does mom have?
Rodriguez always tries to prepare family members to expect the unexpected, she said.
“We have a trajectory of knowing the signs and symptoms of what we are watching for. I always try to over prepare versus under prepare. Sometimes you miss it, but you do your best.”
Rodriguez tries not to compare patient to one another but individualizes their care plans to meet their needs.
It’s helping each individual patient reach their end-of-life goal. Bereavement coordinators follow the patients’ families for at least 13 months after their loved on passes away. No one is left alone.
An entire interdisciplinary team offers a circle of care, including doctors, nurses, CNAs, chaplains, social workers, and volunteers have one goal in mind.
“That is to provide the best care we possibly can to the people who are put in our path to care for,” Bell said.
For more information about Kindful Hospice and Palliative and Virtual Care visit:
https://kindfulhospice.com.

In a sunny Tuesday morning ceremony, National Cowboy Museum president, board members and supporters broke ground on the newest phase of Museum expansions, the Meinders Event Lawn & Garden and additional parking structures.
“Phase II of our Capital Campaign has required a lot of hard work and coordination by many, many partners,” said National Cowboy & Western Heritage Museum President and CEO Natalie Shirley at the ceremony. “First and foremost, we have to thank Herman and LaDonna Meinders for their support. Without it we would not be able to create this wonderful garden that will soon grace the front of the Museum. What you see now is asphalt, but in just a few short months, you are going to see something lush, green and beautiful.”
In addition to the new garden and event lawn, Phase II of the expansion plan includes a parking garage and terraced, uncovered parking spaces on Museum grounds, as well as a refresh of the Sam Noble Special Events Center.
“We have had a dream of solving several issues to bring this museum to a higher level,” said Larry Nichols, Museum Board Member and Chairman of the Capital Campaign, in a speech at the ceremony. “We need more parking, we need covered parking, we need a better entrance, and we need additional spaces for people to gather.”
The Meinders Event Lawn & Garden, made possible by a generous donation from Herman and LaDonna Meinders, will include walking paths, an event lawn and a butterfly garden.
Construction on the garden and additional parking is the second phase in a three-phase plan to beautify and improve the National Cowboy & Western Heritage Museum. The first phase of expansions produced Liichokoshkomo’, the Museum’s 100,000 square foot outdoor play-based learning addition including native dwellings and STEAM learning opportunities.

Do you have a loved one in a nursing facility that needs assistance transitioning back into the community? Oklahoma Living Choice Program may be what you are looking for. The Oklahoma Living Choice Program assists Oklahomans wanting to transition out of a nursing home and back into the community in a residence of their own. The populations served are individuals 65 and over, and individuals 19 and up with a physical disability.
To qualify for the Oklahoma Living Choice Program one should meet the following:
* Be at least 19 years of age
* Qualify for SoonerCare (Oklahoma’s Medicaid Program) for at least one day prior to transition
* Have lived in an institutional setting (nursing home) for at least 60 consecutive days
* Voluntarily want to transition back into the community
* Be willing to play an active role in his/her plan of care
Depending on the individual’s needs there are many services that the Oklahoma Living Choice Program offers, such as: assistance finding a new home, home delivered meals, transportation, skilled nursing, therapy services, personal care, medication management, and there are transitional funds (a one-time allotment of up to $2,400).
Anyone can refer a potential individual that resides in a nursing home for the Oklahoma Living Choice Program by accessing the online referral form http://www.okhca.org/ReferralHome.aspx?ref=LC
If you need more information or have questions about the Oklahoma Living Choice Program you can contact 888-287-2443 or email Oklahoma.livingchoice@okhca.org
If you have a loved one in a Long-Term Care facility and have any questions regarding any concerns you may have, you can contact an ombudsman to assist you.
Areawide Aging Agency Long-Term Care Ombudsman Program advocates for the needs of residents in LTC facilities serving Canadian, Cleveland, Logan, and Oklahoma Counties. You may contact us at (405)942-8500.

A group of lawmakers today sent a letter to Lt. Governor Matt Pinnell, in his role as Acting Governor of Oklahoma, requesting executive action to prohibit vaccine mandates for Oklahoma healthcare workers. This letter is a follow up to one sent to Governor Kevin Stitt on July 15, 2021. Rep. Sean Roberts, R-Hominy, spearheaded the letter and said that the urgency of the situation necessitates the need to act swiftly and decisively.
“I have been working to identify issues at our state’s healthcare facilities. I have discovered that not only are more facilities moving towards mandating the COVID-19 vaccine, but they are denying legitimate medical and religious exemptions,” said Roberts. “I have received reports from verified healthcare employees that individuals with signed medical exemptions for the COVID-19 vaccine are being told their exemptions will not be honored. The collective takeaway from these messages is that the time to act is now and if we don’t, we may be facing a healthcare employee shortage crisis.” (story continues below)

According to Roberts, the transfer of powers to the Lt. Governor when the Governor is outside of the state is found in Article 6, Section 16 of the Oklahoma Constitution. The constitutional provision provides that the Office of Governor is transferred to the Lt. Governor when the Governor is removed from the state. This includes all powers held within the Office of Governor. Roberts, and those signed onto the letter, believe that the current situation requires the immediate action of the state government and has led to the urgent request for Pinnell to act.
“It is unacceptable to force a vaccination on an employee, especially when they have a documented medical issues,” said Roberts. “We have received reports from Oklahoma Families for Freedom that medical facilities have been denying in-person treatment to unvaccinated individuals as well. This is medical discrimination and must stop”.
The following lawmakers signed on to the letter:
Rep. Sean Roberts, R-Hominy
Rep. Lonnie Sims, R-Jenks
Rep. Denise Crosswhite Hader, R-Piedmont
Rep. Mike Dobrinski, R-Okeene
Rep. Justin Humphrey, R-Lane
Rep. Jim Olsen, R-Roland
Rep. Mark Vancuren, R-Owasso
Rep. Kevin West, R-Moore
Rep. Rick West, R-Heavener
Rep. David Smith, R-Arpelar
Rep. Tom Gann, R-Inola
Rep. Wendi Stearman, R-Collinsville
Rep. Chris Sneed, R-Fort Gibson
Rep. Randy Randleman, R-Eufaula
Rep. Kevin McDugle, R-Broken Arrow
Rep. David Hardin, R-Stilwell
Rep. Sherri Conley, R-Newcastle
Rep. Danny Williams, R-Seminole
Rep. Max Wolfley, R-Oklahoma City
The full text of the letter can be seen below:
Oklahoma House of Representatives
July 28, 2021

Acting Governor Pinnell,
As I am sure you are aware there are many healthcare facilities across the state that have decided to mandate the COVID-19 vaccines to their thousands of employees. These employees are the heroes that stood on the front line of the pandemic caring for those that had fallen ill to COVID-19.
Many Oklahomans are about to have their paychecks used against them to make a medical decision that goes against their beliefs. Healthcare workers are left to choose between taking a vaccine authorized for emergency use or risk losing their job, this goes against “liberty and justice for all.” If we do not protect the individual’s right to choose what goes in their body, we no longer live in a free society.
The Oklahoma legislature had bills introduced last session that were related to these type of vaccine mandates, but none of these bills came to be law. Some other states in the country have taken action on these issues while others already had laws on the books to protect their healthcare workers. For example in Oregon, employees such as health care providers, health care facility employees, clinical lab employees, law enforcement, and firefighters are protected by a 1989 state law that says “A worker shall not be required as a condition of work to be immunized” unless otherwise required by federal or state law.
After talking with healthcare workers and citizens across the state many of my colleagues and I have come to the conclusion this is an issue that requires the immediate attention of our State Government. The quickest and most effective way to protect these workers is an executive order prohibiting these mandates.
Those signed onto this letter and I respectfully request you draft an executive order to deal with this issue. If you deem this to be an issue the legislature needs to take care of, we respectfully request you call the legislature into special session to end medical tyranny and help us secure and protect our most basic human rights and civil liberties.

Story by Bobby Anderson, RN

Oklahoma’s assisted living providers are set to gather later this month for the first time since Covid-19 in what Melissa Holland hopes to be a celebration and a learning event that will benefit Oklahomans.
The Oklahoma Assisted Living Association’s 2021 convention and trade show will be held Aug. 24-26 at RiverSpirit Casino Resort in Tulsa.
This year’s theme will be OKALA’s Roaring to Kick Off a New Decade with a 1920s flapper theme.
Melissa Holland, OKALA’s executive director, said this industry-only event will afford the opportunity for members to interact for the first time since Covid-19 in a comfortable, fun environment to share and learn best practices to serve the state’s assisted living population.
“We’re really excited because it will be an in-person event, back to our annual educational and trade show event,” Holland said. “We’ll have educational sessions for our administrators, nurses, activity directors, dietary, marketing and maintenance so they can come and get a lot of good education courses based on some of the needs they have expressed.”
Former University of Tulsa Head Football Coach and Oklahoma Senator Dave Rader will help kick off the event with a session on team building.
Holland said she frequently receives member requests on how to build strong, more cohesive staff units to better serve residents and Rader is one of the best in the field.
Having coached college football for four decades, Rader is best known for his 12 seasons as head coach of the University of Tulsa. At age 29 he was the youngest offensive coordinator in the Southeastern Conference. Then his alma mater made him the youngest head coach at the time in Division I NCAA football at the age of 31.
Awarded the NCAA District Coach of the Year honor in 1991 after his Freedom Bowl Champion University of Tulsa team finished 22nd in the national polls, he was appointed to the American Football Coaches Association Ethics Committee, and served as the representative of Independent Universities to the now defunct College Football Association.
Many of his student athletes went on to play in the NFL including seven quarterbacks, and many more to productive careers outside of athletics. His Tulsa teams consistently graduated at a higher rate than the university body in general.
He is honored to be a member of four Halls of Fame.
Walt Disney World/Epcot Center and Marriott Hotels alum Toni Fisk will present on her newly-released book #dinewithdignity Unlocking the Mystery of Dementia and Dining. Fisk brings her 35 years in the food and hospitality to bear in tackling an often overlooked senior issue.
The book focuses on the role of care partners and provides insight and tips on ways to maximize enjoyment in the dining environment while answering “the questions that you didn’t know to ask.”
Holland said information will be presented on the Covid-19 vaccine and separating fact from fiction in today’s fragmented media environment.
The pandemic stretched providers in a number of directions in their efforts to keep residents and staff safe.
Holland said her members continued to rise to the occasion.
“They have been phenomenal. They really have,” Holland said. “They have been amazing. When they were locked down I was able to send them ideas and (information) to help them. I”ve never had so many thank-you’s in this last year-and-a-half.”
Assisted Living was founded on a resident-centered philosophy to enable choice, preserve dignity, encourage independence, and promote quality of life.
Assisted living communities offer supportive amenities, service and care in a residential setting with the comforts of home. Assisted living communities have a staff available 24/7 to assist with care, safety and support. When you have seen one assisted living community, you have just seen one. They come in all different shapes and sizes, and offer a variety of features, amenities and prices.
The association offers a number of resources to help you make an informed decision when evaluating the state’s 170 assisted living communities. You can visit their website at okala.org or call them at 405-235-5000.

Story and photos by Darl DeVault

One of the most family-oriented organized bicycle rides in the state kicks off at 7:30 a.m. Saturday, August 15 at Mitch Park, 1501 W. Covell Rd. in Edmond, offering three distances starting in the 133-acre park. The park features several family friendly playgrounds including handicap accessible facilities, multi-use trails, basketball courts, pavilions, picnic tables, and grills.
Begun in 1973, and moved to Mitch Park in 2008, the Oklahoma Bicycle Society Streak has evolved into a family event using one of Edmond’s premier parks as a base. It has undergone changes in location, name and sponsorship, but continues as a cycling community premiere family event. (story continues below)

“I signed up for the 40-mile route because I always have a good time at the Streak,” said Dixie Duff, a retired OKC nurse who has ridden the Streak dozens of times. “There is something for everyone and it’s nice to be able to do something different besides the River Trails, Lake Overholser, and Lake Hefner. The rides are challenging and well supported with several rest stops.”
Organizers emphasize the Streak will go on rain or shine and is not a race. No times will be kept or posted. What is posted are the names of registered riders winning the door prize raffles. Please check the prize board after the ride. Riders must be present to win—no prizes will be mailed.
The ride has been going on for so long seniors have come to see it as an opportunity to help introduce their grandkids to an organized ride. All youth riders (ages 12-18) must be accompanies by an adult rider.
Multiple rest stops with rest rooms are open until 1 p.m. on the half hilly 100K, 40- and 25-mile routes. Download the maps from the OBS site, RideWithGPS maps are available at the 2021 OBS Streak Web Page. Fluids and snack foods will be available in the rest stops. SAG (Support and Gear) support will be provided.
Online Registration is $35 (Discounted to $30 for current OBS members – online only). Online registration closes at midnight on Thursday, August 12.
Day of event registration begins at 6 a.m. at Mitch Park. The Edmond Downtown Community Center at 28 E Main St. offers early registration and packet pickup on Saturday, August 14, from 10 a.m. until 2 p.m. The first 300 riders are guaranteed event T-shirts.
Proceeds from the OBS Streak are used to supply helmets for kids who receive bikes from the Salvation Army Buck$ 4 Bikes program for Christmas.
Day of event registration fees are Adult Rider: $40, – Tandem/Tri, Captain: $40, – Tandem/Tri Stoker: $20, – Accompanied Youth (12-18 Yr. Old): $20
The OBS is a not-for-profit group dedicated to the promotion of bicycle safety. It supports bicycling in all its forms and the furtherance of the sport by defending the rights of bicyclists.
OBS organizes weekly rides all year for riders of all levels. See their web site for more information: www.OklahomaBicycleSociety.com which has a link to the Streak registration online.
For the latest news on the club activities, upcoming rides throughout the state and to further the enjoyment of bicycling, the club has a monthly newsletter, The Pathfinder, online. The club asks seniors to consider joining the OBS to help keep bicycling safe.

By Steven Sibley, MBA/Healthcare Administration

On August 1st, 2021 I turned 65. Like every American, I needed to make a decision about Medicare. Timeline for that decision is 3 months before the month of your 65th birthday, through the 3 months after your birth month. Fortunately, my wife and I are Medicare agents, so I was well prepared for this decision. Unfortunately, most veterans, whether on Tricare, VA care or both are not. It’s training we never really received. I know, I was in the military for 36 years, 15 Active and 21 Reserve and served in both the Air Force and Army. I retired from the Active Reserve at age 61. During my last two years of service, I attended multiple Transition Assistance courses on retiring from Active Duty and the Reserve. You can leave the service and still not know how the healthcare really works, whether you only did 4 years or 20, and you certainly won’t remember by the time you turn 65.
You see, they really don’t teach you enough about this process while you are in the service. For me, the education came after I retired and decided on a career as a Medicare agent. Now, I want to share that information with every veteran I know who has Tricare, VA care or both, who is qualified for Medicare. In my case, I have the ultimate in health care coverage. I retired in September of 2017 with Tricare Prime and eventually a 100% VA disability rating. In addition, I am married to a healthcare provider. That being said, at age 65, Tricare changes. (story continues below)

If you are a retired veteran, under the age of 65, you typically have Tricare, the health care program for uniformed service members, retirees, and their families around the world. It provides comprehensive coverage to all beneficiaries, including: Health plans, Prescriptions and Dental plans and it’s managed by the Defense Health Agency. When you turn 65, this changes to Tricare for Life (TFL). TFL combines Original Medicare Part A, Hospitalization (inpatient) coverage, Medicare Part B, Primary Care (outpatient) coverage which essentially only covers about 80% of the cost of your care, with TFL provided as a zero premium “wrap around” coverage for the 20% of non-covered Medicare benefits plus Prescription Drug coverage. Also, TFL is administered by Wisconsin Physicians Service (WPS) not the government.
Here is the point of my message, Veterans can miss out on additional benefits because they are unaware of their eligibility for Medicare Advantage (MA) plans or Medicare Part C. These plans work with TFL to provide even more benefits than Original Medicare, which may include vision and dental, that TFL clients must pay for in addition to their TFL plan. These MA plans may also include Medicare Part B premium reductions, and additional wellness benefits like gym memberships and over-the-counter (OTC) benefits. If you are on or going to become eligible for TFL, you need to learn about these plans, so please call me.
If you have VA care, regardless of your rating, you too can benefit from a Part C plan because of the additional benefits they may offer which are not covered by Original Medicare or the VA.
Call us at Sibley Insures and get the training and information you need to make a better more affordable decision about your healthcare when you get on Medicare. Sibleyinsures.com, 405-850-1569.