by Bobby Anderson, Staff Writer

Growing up in the tiny borough of Hummelstown, Pennsylvania, Bruce Heikes would travel most weekends and summers to nearby Hershey around midnight to don an apron.
At age 15, he worked for Louis Memmi, who owned G. Memmi and Sons Bakery.
“Man you roll down the window on the way there and you can just smell the chocolate,” Heikes said. “It’s overpowering it smells so good.”
It was in the shadow of the Hershey’s Chocolate empire that Heikes’ career began to rise.
More than 40 years later, Heikes continues to pour his artistry and love for what he does into everything he bakes at Johnnie’s Sweet Creations in Oklahoma City.
The shop at 8419 S Western is not only Heikes’ livelihood, it’s his life.
It’s easy to see when children walk into the shop and a big smile spreads across his face.
“Who wants a cookie?,” he says, with a grin that’s always returned with one just as big.
IN IT FOR THE DOUGH
Growing up, fresh-baked goods were the norm.
The bakery where Heikes learned to bake bread had a delivery truck that made daily rounds to all the supermarkets.
There were no plastic-wrapped, preservative-laden loaves that could sit on store shelves for weeks at a time.
“You’ve got to worry when you take a loaf of bread you just bought and put it on top of the refrigerator where the heat comes up from the back and it keeps for a month,” Heikes said. “They’ve got so many preservatives in there you could die and still keep going for weeks.”
His brother-in-law brought Heikes and his brother, Ron, to Oklahoma to work for Skaggs Albertson’s.
A move to Buy For Less as a bakery and deli manager followed as did a stint in Ingrid’s Kitchen.
He eventually became a food broker for a company that sold bakery products to the warehouse that sells to many Oklahoma grocery stores.
It was a Monday through Friday job, something Heikes never had.
But for some strange reason, he wanted to own a bakery.
Heikes knew the previous owner of Johnnie’s Sweet Creations, who purchased the store in 2000. An illness forced her to put the business up for sale in 2012.
She called up Heikes and he was sold.
A few weeks later so was the business.
Now he makes less money, works Monday through Saturday – Sundays, too now through Christmas this time of year.
“Sometimes I think, why do I do this?,” Heikes said. “But mostly there is so much pleasure in making something good for these people and when they taste it and their eyes roll in their head … that stuff makes it all worthwhile. It really does.”
A RISING BUSINESS
Heikes’ daughters work at the store. His brother’s daughter works there. Both his wife and Ron’s wife – who are registered nurses – come in just before Christmas or Valentine’s Day when the store really needs the extra hands.
“We get such huge orders and I don’t want to turn them down,” Heikes said. “I don’t want to turn them down because of the money but I also don’t want to turn them down because I want to be there for them.”
With more than 40 years manning the ovens Heikes can take a loaf of bread in his hands, give it a squeeze and a quick smell and tell you what’s right – or not.
It’s why his employees come to him when something’s not quite right.
It’s truly an art.
That’s one reason he cringes every time he walks past a grocery store “bakery” aisle.
“I used to sell that stuff as a broker. Those cakes come in a box. They have a year shelf life and all of the icing comes in a bucket,” Heikes said.
Every week Johnnie’s makes six to seven 55-gallon barrels of butter creme icing from scratch.
“I probably go through at least 100 sheet cakes and just multitudes of eight-inch rounds and cutouts – not to mention the weddings,” Heikes said.
Heike’s favorite sweet in the store is his butter pecan brownies. He’s made them for 20 years at home.
“I could not show up to Thanksgiving or Christmas without bringing those butter pecan brownies,” he said with a laugh. “It’s a real simple recipe but it’s so rich and so good and it’s unique. You just don’t find them any other place.”
Ten years from now Heikes will be 67.
He hopes his son, Justin, is working the ovens.
“I hope I could bring him in here – maybe even one of my other sons – and teach him the legacy of doing this and carry this on,” said Heikes, who has eight children.
But whatever the future holds, Heikes doesn’t see himself venturing too far from the ovens.
After all, who doesn’t want a cookie?

What do you hope to find under the Christmas tree? Salvation Army Central Oklahoma

I hope to find a new cast iron skillet with a lid.  Jeff Lara

Just to be home. That will be my only day off. Maj. Carlyle Gargis

Really, I’m not looking for gifts. I’m just the type of person who enjoys serving and doing for others.

James Dixon

I have everything I need. God has blessed me with everything. Meiing Ong

by Bobby Anderson
Staff Writer

For nearly 35 years now Sheila Swearingen has been involved in advocacy.
And for the last 15 years the president of the League of Women Voters of Oklahoma has been deeply involved in helping Oklahomans take full advantage of one of their most precious civil rights – the right to vote.
“I’m very interested in advocacy and getting more people involved in what happens after voting to be honest,” Swearingen said. “I think it’s incredibly important for people to get themselves registered and vote but that’s not the end of it. As citizens we really do, in a democracy, say that we the people are the ones upon who the government rests.”
As Oklahomans get ready to vote in the coming days, Swearingen wants to make sure everyone has the information they need before they head to the polls.
PLUGGED IN
MSNBC, Fox News, NPR, CNN, and hundreds more online – there’s no shortage of media outlets from which to receive information. Twenty-four hours a day, seven days a week voters are bombarded with a non-stop barrage of political information, covering candidates’ every single move.
While the access to information may be unprecedented, Swearingen says it’s not always a good thing.
“It comes back to the individual to take it upon themselves to get non-partisan information,” Swearingen said. “I think people are plugged in but the problem with being plugged in all day is not pulling back and getting the overview, not listening to both sides of the issue and not being able to discern. They may be plugged in and often the media, whether you’re listening to NPR or Fox News it’s appealing to our emotions. I think we need to be using some logic and think deeply about the issues when we go vote.”
GET INFORMED, GO VOTE
The League of Women Voters provides a wealth of information online at www.lwvok.org as well as on Facebook.
The League of Women Voters never supports or opposes any particular candidate.
The message simply is always be informed and exercise your right to vote.
“Take any opportunity get information that is nonpartisan and unbiased,” Swearingen said.
To that end, the League was part of a broad coalition that produced the Oklahoma Voter Guide which is available at libraries across the state.
Online you can go to www.vote411.org fill in your address and it will automatically pull up all the races that will appear on your ballot down to state representative.
The League of Women Voters has chapters in Lawton, Tulsa, Stillwater, Norman and Bartlesville. The group is also in the process of reforming the Oklahoma City Chapter.
“In the Oklahoma City area we have members who are my age, and I’m definitely AARP generation, and we also have millennials,” she said. “What we’re finding is those groups can work really well together if they listen and find out that sometimes they’re on the same page about issues but they may have different ways about communicating those issues.”
Swearingen was recently trained as a precinct official.
“One of the interesting things that was reaffirmed is that you don’t have to vote every single race,” Swearingen said. “If you have a strong preference for a candidate running for county commissioner and you just can’t make up your mind who you want to choose to be the next president you don’t have to vote for president but you can vote for county commissioner.”
“We have a wonderful system in Oklahoma. Our scanners can scan whatever races you choose to vote in. You don’t have to vote the complete ballot. You can pick and choose.”
Volunteers are always needed in helping across the 77 counties and municipalities in getting ballot information. You can go online to the group’s website to learn more.
Starting November 9 Swearingen said the attention will turn to the 2017 legislative session and what issues will likely appear.
Social events are also scheduled throughout the year as well as candidate and issue forums.
Beginning in January school board elections will come into focus and the League will begin pursuing candidate forums.
“We think that school boards are just as important, and in some cases more important than whose going to Oklahoma City,” Swearingen said.
And no matter what party you belong to or whom you support, Swearingen says it’s important to do your part in keeping America great.

by Bobby Anderson
Staff Writer

Christmas is coming. All you have to do is close your eyes and listen.
Amid all the hustle and bustle and mall parking lot tussles you can can hear the ringing of a familiar bell.
Some 127 years ago the Salvation Army started hanging kettles from Thanksgiving to Christmas.
Legend has it it first began as a fundraiser to feed people on Christmas Day.
A San Francisco Salvation Army officer remembered that during his days in the Navy a pot was kept on the dock.
The pot had a sign on it that read “Keep the pot boiling.”
“It started a tradition and it spread quickly across the United States,” said Maegan Dunn, development marketing manager for the Salvation Army Central Oklahoma Area Command.
And for the last quarter century, John Dobson has manned his post and rung that bell.
Full disclosure – Dobson serves on the group’s board of directors.
But it’s more than an obligation.
“Twenty five, twenty six, thirty – I don’t keep track of it. It’s just an act of love,” Dobson said of how many years he’s run that familiar bell and worn that red apron.
Dobson credits his volunteer spirit to a former boss.
“He told me I needed to take a look at life,” he said.
So as an accountant by trade he started picking up the annual financial reports of the various charities.
“Salvation Army just stood out there all by itself,” Dobson said. “It doesn’t pay its national president $2 million a year. It’s because they’re committed to Christ.
“Literally, it’s a church.”
Dobson quickly learned that every one of those employees wearing the military-looking uniforms are ordained ministers.
It speaks volumes.
Dobson rings for two organizations each season. The first is the Rotary Club of Oklahoma City. The second is as a Salvation Army board member.
“I promise, give me someone for an hour and I’ll make believers out of them,” Dobson said of the annual campaign. “The people you just know because of your life’s issues you just think these people can’t pay and they put these pennies and nickels in these kids hands and they come running up. You pick them up so they can drop them in there.
“They just thrive for that and they remember from year to year.”
Dobson always rings the bell at the same location each year – the Belle Isle Wal-Mart.
“It’s significant but it’s nothing close to everything we need,” Dobson said. “The Salvation Army goes on 24 hours a day, seven days a week 365 days a year. A lot of people just think of us as just Thanksgiving and Christmas but it’s full time for everybody.”
At any time during the holiday season the Salvation Army literally has thousands of bell ringers at the nearly 80 locations.
Rotary groups, businesses, churches – there’s groups that come out of the woodwork to get their hands on a bell.
But some of those positions can’t be filled with volunteers so some positions are paid.
“It’s not only to man the kettle but it’s also a ministry for us,” Dunn said. “There are individuals who have seasonal jobs where they don’t have work in the winter and it helps give them a little extra money. We also have some homeless individuals and it makes extra cash for them to help keep them through the next few months.”
It’s in his nature to be a bottom-line type of guy, but Dobson knows there’s much going on here than nickels, dimes and spreadsheets
“It’s a life-altering experience,” Dobson says. “It is amazing.”
There will be several volunteer opportunities this month with the Salvation Army including:
• Angel Tree Workshop: You can come help prepare each Angel’s gifts at the distribution center. For ages 13 and up. Dates: December 5-17
• Angel Tree Distribution: Help Angel Tree families collect their gifts and assist them to their vehicles. For ages 13 and up. This is a great opportunity for corporations, businesses and individuals. Dates: December 19-23
• Ring the Bell: Schedule your family, club or business to ring the bell at one of the red kettle locations for a four-hour shift or adopt a whole a day. This raises funds for The Salvation Army’s programs like the food pantry, senior centers, homeless shelter, youth and after-school programs, and soup kitchen. Dates: Through December 24.
To volunteer, contact Lt. Kyle Madison at kyle.madison@ uss.salvationarmy.org or 405-246-1063.
To find out more about how you can get involved, visit www.salvationarmyokcac.org/volunteer today. Questions about volunteering can be answered by contacting the volunteer coordinator, Liz Banks, at 405-246-1107 or liz.banks@ uss.salvationarmy.org.

story and photos by Bobby Anderson, Staff Writer

Mark Hamm knows that someday in the not-too-distant future, central Oklahoma will be one giant metroplex.
“In the next 20 years they’re projecting another 20,000 people moving to Moore,” the Moore City Councilman said. “They’re all brand new and they don’t know anything about this and it will just be forgotten.”
Hamm was referring to Moore’s history, which dates back before statehood.
And as he discussed the city’s constant progress he was standing on the porch of Myron January’s family home, built in 1895 and believed to be the oldest structure in Moore.
The town’s history – and Myron January’s childhood home – are something Hamm and community members want to preserve for all to see.
In November Moore voters approved the continuation of a quarter-cent sales tax. Part of that money will go the development of an Old Town park, similar to what Norman has near its train depot.
The vision is much bigger than the old January home.
An interactive trail, a sitting area and hopefully a visitor center located near the railroad tracks will spring up some day soon. City officials already have their eye on procuring the original train depot, which is currently being used as an office on Shields Boulevard in south Oklahoma City.
Right in the middle is expected to be the January house, which Myron is giving to the city.
“It’s great. I think it’s a miracle,” January said of home’s impending move. “It’s going to have to be done pretty soon because you can tell it’s getting in bad shape.
JURY AND JANUARY
When you look back in the annals of Moore history you’ll see a couple names stick out – Jury and January.
The Land Run led to the Jury family settling on 160 acres in what now is southeast Moore. Next door was the January family.
“Two Jurys and two Januarys married – two brothers and two sisters,” January said. “So the Januarys and the Jurys have been very close all their lives.”
So close in fact that the Jury home now sits on January property, at least until the City of Moore can get it moved and preserved.
Even though it’s bare wood and has an addition missing, January still navigates the 400-square-foot, two-room house like it was yesterday.
“It wasn’t a whole lot more than this … but you would come in a door here and this was the back porch where (his grandmother Artie) did the washing,” January said. “There was a wall here and a built-in cabinet there.”
Myron January moved to Moore at age three. He left home as a teenager when he got married at 17. He’s lived within two miles of the current house ever since, keeping cattle on the remaining 75 acres.
Things have changed, as subdivisions have sprang up all around.
A new Sam’s Club sits less than a mile away. Target, Home Depot, JC Penny’s, Lowe’s and the busiest IMAX theatre in the world are just across I-35.
“I’ve dreaded it for many years,” January said with a laugh. “That’s life. Progress.”
Just down the street dairy silos dating back to the 1940s still stand as Moore’s only skyscrapers.
At one time, 400 head of cattle were milked at the Mathesen Dairy, which dispatched trucks daily to grocery stores across the county delivering fresh milk with cream on the top.
WHEN MOORE WAS LESS
Moore was founded during the Land Run of 1889. The early settlers came on train, horseback, wagons, and some on foot.
According to local historians, the town’s original name was Verbeck as designated by the railroad company.
However, a railroad employee named Al Moore, reported to be either a conductor or a brakeman, lived in a boxcar at the camp and had difficulty receiving his mail.
He painted his name “Moore” on a board and nailed it on the boxcar.
When a postmaster was appointed, the name stuck and he continued to call the settlement Moore.
Hamm got into politics to preserve that small-town feel, even though the city is now the state’s seventh-largest.
“I like politics but I’ve always liked local politics more than national,” Hamm said. “It’s where things happen, people see their government working for them. You call me about a problem in Moore, hopefully, we can get it fixed before you get home.”
And Hamm knows the past should play a part in Moore’s future. That’s why the city and a team of volunteers have set out to preserve it.
One of the first efforts is inviting people to help document that story online at www.historyofmoore.com.
Currently, there’s lots of gaps and missing stories.
And it’s in need of more people like Myron January to help fill in the blanks.

The Oklahoma Insurance Department is joining forces to spread a life-saving message to drivers: “Move over. It’s the law.” The message is part of an initiative by the Oklahoma Traffic Incident Management Steering (TIMS) Coalition. The Coalition also includes representatives from the Oklahoma Highway Patrol, Oklahoma Department of Transportation, Oklahoma Sheriffs Association, Oklahoma Emergency Management and many more.
“As the holidays approach and more people will be on the road, we’re asking Oklahoma drivers to be more mindful behind the wheel,” said Oklahoma Insurance Commissioner John D. Doak. “Not only is moving over the law, it will help save the lives of first responders and lower the number of costly traffic delays.”
According to the National Highway Traffic Safety Administration, 52 law enforcement officers were killed in traffic-related incidents last year. Oklahoma Highway Patrol Trooper Nicholas Dees was hit and killed last year along I-40. His mother is featured in a new public service announcement which began airing this month. It can also be viewed here.
“Half of me died because of one man that did not move over for emergency vehicles,” said Shelley Russell, Dees’ mother.
Oklahoma’s Move Over law requires drivers approaching a parked emergency vehicle with flashing lights, including wreckers, to move over to the next lane. If the driver cannot move over, he or she is required to slow down. Troopers suggest drivers reduce speed to 15-20 mph or slower. The penalty for failing to slow down or change lanes is a ticket with a fine of more than $200.
Another benefit of drivers abiding by the Move Over law is a reduction in the number of costly traffic delays. According to the Texas Transportation Institute, for each hour a vehicle is stuck in traffic $21 is wasted per vehicle in time and fuel.
One way to ease the burden of traffic is for drivers to move over if they are involved in a non-injury car accident. This allows drivers to safely exchange insurance information and not block the flow of traffic.
“Many drivers seem to think that moving over is just an optional courtesy when they see flashing lights or have a minor wreck,” Doak said. “It’s not optional. Move over. It’s the law.”

Photography and Text by Terry “Travels with Terry” Zinn  t4z@aol.com

Just when you think you’ve seen it all, and can’t be awed by renown Impressionist painters, comes the Kimbell’s Claude Monet the Early Years: 1858 – 1872.
You will be illuminated to find out that Monet, mostly known for his broad strokes of mixing colors to produce a shimmering visual effect, started out as an accomplished realistic painter. Up until the 1870’s Monet produced a body of work comparable to the best of his artistic times, even though many were rejected at first evaluation by the prestigious Paris Salon.
Most affective is the The Magpie (1868-69) where in an expansive rural snow scape on a canvas of 35 by 52 inches, Monet captures our attention and imagination not only in the frosty landscape but by the technical master class with the many shades of white. Off center a back lit black magpie perches on the top rung of a primitive wooden gate. This lonely image is haunting yet peaceful. From the collection of the Musee d’Orsay, it’s only one of the many paintings pulled together from a variety of collections for this extraordinary exhibition.
Sailboats on the Seine at Petit-Gennevilliers (1874), exhibits Monet’s full fledge Impressionism with the dancing water reflections of sailboats under a wistful cloud filled sky. Other water reflections examples can be seen in Houses on the Bank of the River Zoan (1871-72), and Regatta at Argenteuil (1872).
An added delight is the free with admission hand held audio and visual self-tour appliance. The traditional numbers that coordinates with the art, is enhanced here with a visual image on your device. Not only for the painting you are currently viewing but for visual comparisons to other works of art not on display. Once such educational comparison is with Monet’s, Still Life with Flowers and Fruit (1869), compared to Renoir painting the same still life. It may not be known that Monet and Renoir occasionally painted together with plein air subjects. The two floral bouquets are easily and fascinating compared in this exhibition.
Be sure and take your time in the galleries to imprint on you mind the treasure of art you are among. A number of benches are placed throughout the exhibition giving you time to sit, view, spin, view and spin again, enabling you to take in, compare and imprint in your mind this once in a lifetime experience.
You may also want to stroll through the Kimbell’s main gallery of their permanent collection with samples of many of arts greatest artists. And if you visit the Museum Store adjacent to the Monet exhibit, say hello for me to congenial sales assistant, Alice.
This limited edition exhibition at Fort Worth’s Kimbell Art Museum is on display until January 29th. Admission for Seniors is $16 and Adults for $18 with
Tuesday’s offering half price for all. Visit more information at: kimbellart.org

Mr. Terry Zinn – Travel Editor
Past President: International Food Wine and Travel Writers Association
http://realtraveladventures.com/author/zinn/
www.new.okveterannews.com – www.martinitravels.com

Oklahoma City ballet dancers Valerie McDonald and Christina Wornick are the recipients of Watermark for Kids scholarship awards. The scholarships are presented by The Fountains at Canterbury and Watermark for Kids, a non-profit organization committed to empowering underserved kids, helping them pursue their passions and thrive. Watermark for Kids was founded by Watermark Retirement Communities, which manages The Fountains at Canterbury.
McDonald, a 17-year-old ballet dancer, will use the scholarship award to continue her Level 5 classes at the Dance Center of Oklahoma City Ballet. The school provides classical ballet technique instruction and prepares dancers for a professional role in the arts. McDonald hopes to pursue dance on the professional level after her formal training.
Wornick is a previous recipient of the scholarship award who has been dancing since the age of four. The 12-year-old dreams of becoming a famous ballerina. The Watermark for Kids scholarship will allow Wornick to continue her training at the Dance Center of Oklahoma City Ballet as a Level 4 student.
“Watermark for Kids is an amazing program that The Fountains of Canterbury is proud to facilitate in support of local students,” said Jim Story, liaison for Watermark for Kids at The Fountains at Canterbury. “Our community is passionate about Watermark for Kids because it provides children an opportunity to pursue their dreams. We are looking forward to watching our two recipients thrive while working towards their long-term goals.”
Residents and associates at The Fountains at Canterbury host fundraisers throughout the year to donate funds to the Watermark for Kids program.
For more information about Watermark for Kids visit www.watermarkforkids.org. To learn more about The Fountains at Canterbury please call (405) 381-8165 or go online to www.watermarkcommunities.com.

Whoever conceived of the idea for Norman Forward is to be commended. The Quality of Life projects are certainly important to our growing city. But at the same time, we should take time to reflect on Norman, backward though the years to the work accomplished by citizens who built our thriving community.
We need to show our appreciation to those citizens who got up every morning, went to work and paid their taxes to build roads, streets, schools, parks, a hospital and more that we use everyday. Many of those same people are retired, living in Norman, and they voted for Norman Forward with the expectation of a new senior center with space available to offer more activities than can be provided in the current center.
As Norman has grown, working people adapted to many changes in Norman, along with changes within their own families. Some lost spouses, family and friends, and with that, some lost badly needed contacts with people. A senior citizens’ center would be a perfect place to spend a few hours, meet new people, socialize and ward off depression which is prevalent in older citizens.
A forward-looking Norman should say thank you to earlier residents by opening the doors to a new center and making an extreme effort to contact and invite people to take part in the activities. Also, for their health’s sake, we must motivate these citizens to make new friends and remain vibrant.
Since recreation is the primary reason for the Quality of Life NF projects for younger people, city planners should extend the same criteria to seniors. Seniors need to move, too. Many NF projects will be delayed for the next 15 years, but the senior citizens’ project should not be one of them.
Nadine Jewell, Norman

Dear Savvy Senior,

After a recent hospital stay, I have a stack of confusing medical bills at home I need to decipher. I’ve heard these bills frequently contain mistakes. How do I spot them to ensure I’m not paying more than I need to be? Cautious Carol

Dear Carol,
Medical billing errors and overcharging is not uncommon. According to the American Medical Association, 7 percent of medical bills in 2013 had errors, and other groups estimate that figure to be much higher. Unfortunately, untangling those mistakes is almost always up to you. Here are some tips and tools that can help.
Check For Errors
To help you get a grip on your medical bills and check for errors, you need to familiarize yourself with what your insurance does and doesn’t cover. Then you need to carefully review the explanation of benefits from your insurer, and the invoices you receive from your doctor, hospital and/or outpatient facility providers.
These invoices need to be itemized bills detailing the charges for every procedure, test, service and supply you received. If you didn’t receive an itemized invoice, request it from your health care providers. And if the invoices contain any confusing billing codes or abbreviations that you don’t understand, ask them for an explanation. You can also look up most medical billing codes online by going to any online search engine and typing in “CPT” followed by the code number.
Once you receive and decode the invoices, keep your eyes peeled for these mistakes:
· Typos: Incorrect billing codes, a misspelled name or a wrong policy number.
· Double billing: Being charged twice for the same services, drugs, or supplies.
· Canceled work: Charging for a test your doctor ordered, then canceled.
· Phantom services: Being charged for services, test or treatments that were never received.
· Up-coding: Inflated charges for medications and supplies.
· Incorrect length of stay: Most hospitals will charge for the admission day, but not for day of discharge. Be sure you’re not paying for both.
· Incorrect room charges: Being charged for a private room, even if you stayed in a semi-private room.
· Inflated operating room fees: Being billed for more time than was actually used. Compare the charge with your anesthesiologist’s records.
To make sure the charges on your bill are reasonably priced, your insurance provider may offer an online price transparency tool, or use the Healthcare Blue Book (healthcarebluebook.com) or Guroo (guroo.com). These are free resources that let you look up the going rate of many procedures, tests or services in your area.
Make Corrections
If you find errors or have questions about charges, contact your insurer and your health care provider’s billing office. When you call, be sure you write down the date, time and name of the person you speak to and a summary of the conversation, in case you need to refer back to it at a later time.
If there’s a billing code error or some other mistake that’s easily correctable, ask your health care provider to resubmit a corrected claim to your insurance company.
Get Help
If you aren’t able to resolve the dispute on your own, you may want to consider hiring a medical billing advocate to work on your behalf. To find someone, try sites like billadvocates.com or claims.org. Most advocates charge an hourly fee – somewhere between $50 and $200 per hour – for their services, or they may work on a contingency basis, earning a commission of 25 percent to 35 percent of the amount they save you.
If you’re a Medicare beneficiary, another resource is your State Health Insurance Assistance Program (SHIP). They provide free counseling and can help you understand your medical bills and Medicare coverage. To find a local SHIP counselor visit shiptacenter.org, or call 800-633-4227.
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.