6 Questions to Get Your Medicare Right

What is Medicare?Medicare is a federal health insurance program that gives you access to specific coverage and benefits. Medicare is different from health insurance you may have had before. It offers you a variety of coverage options and it has key enrollment dates and guidelines you need to follow. Were here to help you make sense of it all. How is Medicare Different From Other Health Insurance?You may be surprised at the differences between Medicare and other types of health insurance. If youve had health coverage through your employer, your plan likely included medical and prescription drug coverage, along with other benefits. It also may have covered both you and your spouse.Medicare only covers one person at a time. This means you and your spouse must enroll separately. In addition, Medicare gives you options that can make it possible to receive your benefits in a variety of different ways.You can:       Choose hospital and medical coverage delivered through the federal government.       Add prescription drug coverage delivered through a private company.       Purchase a supplemental insurance policy from a private insurer that can help cover some of the costs.       Choose coverage from a private insurer that combines hospital, medical and often prescription drug coverage into one plan.In short, with Medicare you can choose coverage that fits your needs, budget and lifestyle. We can help you take full advantage of that freedom. Who is Eligible for Medicare?      - Age 65+      - Under age 65 with certain disabilities      - Have End-Stage Renal Disease (ESRD) When and How Do I Apply?If youre like most people, youll enroll in Medicare around the time you turn 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes the month you turn 65 and ends three months after that birthday.Keep in mind that if you dont get Medicare during this Initial Enrollment Period, you may have to pay Medicare Part B or Part D late enrollment penalties. Plus, you could be missing out on coverage and benefits that can help protect your health and finances. Thats why its generally a good idea to enroll as soon you can. How you enroll generally depends on if youre getting benefits from Social Security, the Railroad Retirement Board or the Office of Personnel Management.Contact me today at 724-554-7989 for a FREE consultation.  

Colorado, renowned for its breathtaking landscapes and vibrant communities, offers a plethora of activities tailored specifically for seniors. From outdoor adventures to cultural experiences and wellness programs, the state provides numerous opportunities for older adults to stay active, engaged, and healthy. This guide explores some of the best activities for seniors in Colorado, ensuring a fulfilling and enriching lifestyle.1. Outdoor AdventuresHiking and Walking TrailsColorado boasts an extensive network of hiking and walking trails suitable for seniors of all fitness levels. The Garden of the Gods in Colorado Springs, with its stunning red rock formations and easy walking paths, is a popular choice. Similarly, the Boulder Creek Path in Boulder offers a scenic, flat route perfect for a leisurely stroll.For more information, visit the Colorado Trails Explorer website. Bird WatchingWith diverse habitats ranging from grasslands to alpine regions, Colorado is a bird watchers paradise. Seniors can join local bird watching groups or visit hotspots like the Rocky Mountain Arsenal National Wildlife Refuge near Denver, which is home to over 330 species of birds.Learn more at the Colorado Birding Trail website.2. Cultural ExperiencesMuseums and Art GalleriesColorados rich cultural scene is accessible to seniors who enjoy museums and art galleries. The Denver Art Museum, with its senior-friendly programs and exhibitions, is a must-visit. Additionally, the Colorado Springs Pioneers Museum offers insights into the states history with senior discounts available.For upcoming exhibits, check out the Denver Art Museum and Colorado Springs Pioneers Museum websites. Theater and Performing ArtsThe states vibrant performing arts scene includes senior-friendly venues like the Denver Center for the Performing Arts, which hosts Broadway shows, concerts, and more. The Colorado Shakespeare Festival in Boulder is another excellent option for seniors who enjoy live theater.Find more details at the Denver Center for the Performing Arts and Colorado Shakespeare Festival websites.3. Wellness and Fitness ProgramsSenior Fitness ClassesMany community centers and gyms in Colorado offer fitness classes designed specifically for seniors. SilverSneakers, a popular fitness program for older adults, is available in numerous locations across the state. These classes focus on strength, flexibility, and balance, catering to various fitness levels.To find a class near you, visit SilverSneakers.com.Yoga and Tai ChiYoga and Tai Chi are excellent for seniors seeking gentle exercise that enhances flexibility, balance, and mental well-being. Studios like Yoga Pod in Boulder and Tai Chi Colorado Springs provide classes specifically tailored for older adults.Explore more at Yoga Pod Boulder and Tai Chi Colorado Springs websites.4. Social and Recreational ActivitiesSenior CentersSenior centers across Colorado offer a wide range of activities, including games, social events, and educational classes. The Fort Collins Senior Center, for instance, provides everything from art workshops to dance classes, ensuring a lively and engaging environment for seniors.Discover more at the Fort Collins Senior Center website.Volunteering OpportunitiesMany seniors find fulfillment in volunteering, and Colorado has numerous opportunities for those who wish to give back to the community. Organizations like Volunteers of America Colorado and the Denver Botanic Gardens welcome senior volunteers in various capacities.Find volunteering opportunities at Volunteers of America Colorado and Denver Botanic Gardens websites.5. Travel and ExplorationScenic Train RidesFor seniors who prefer a more relaxed way to enjoy Colorados scenery, scenic train rides offer a fantastic option. The Durango & Silverton Narrow Gauge Railroad and the Georgetown Loop Railroad provide unforgettable journeys through the states picturesque landscapes.Book your ride at Durango & Silverton Narrow Gauge Railroad and Georgetown Loop Railroad websites. Hot SpringsColorados hot springs are perfect for seniors seeking relaxation and therapeutic benefits. Locations like Glenwood Hot Springs and Mount Princeton Hot Springs offer serene environments where seniors can unwind and rejuvenate.Plan your visit to Glenwood Hot Springs and Mount Princeton Hot Springs websites.6. Educational ProgramsLifelong LearningSeniors in Colorado have access to numerous lifelong learning opportunities. Universities like Colorado State University and the University of Colorado offer programs and courses specifically designed for older adults, covering a wide range of subjects from history to technology.Explore lifelong learning at Colorado State University and University of Colorado Boulder.LibrariesLibraries in Colorado provide more than just books; they offer various programs and workshops for seniors. The Denver Public Library, for example, hosts book clubs, technology classes, and cultural events tailored to older adults.Visit the Denver Public Library for more information.ConclusionColorados diverse array of activities ensures that seniors can find something to suit their interests and abilities. Whether its exploring the great outdoors, engaging in cultural pursuits, participating in fitness programs, or continuing education, the state offers countless opportunities for seniors to lead an active, fulfilling life. By taking advantage of these resources, older adults in Colorado can enjoy a rich and vibrant lifestyle.

Happiness At Any AgeStart your journey to joy now in your 60s, 70s, 80s, 90s, and beyond with these simple and effective exercises, strategies, and positive insights.Living happily in any decade involves an open heart, open mind, and appreciation for the joy in the journey. While everyone is unique, heres a guide to enjoy life in your 20s, 40s, 60s, 80s, and beyond.In your 20s & 30s Embrace uncertainty. This is the time for trial and error. Try new things and take risks, even if they feel scary. Build connections. Your social network can be a source of support, advice, and shared experiences both now and as you get older. Learn how to learn. Develop a growth mindset. Teach yourself that its ok to feel silly as you learn new things. Itll set the stage for lifelong learning. Build healthy habits. Establish healthy habits early. Try to move your body, eat well, and sleep well. In your 40s & 50s Balance work and life. Prioritize time with your family and friends. Work hard in your professional life. But don't forget to find joy in the little things. Plan your finances. Establish good financial habits. Save and invest in your future. Spend less than you make. Financial stability contributes to your peace of mind. Practice gratitude. Take time to appreciate what you have. Thank those who help you and contribute to others in a positive way. Build a mindset that's all about gratitude. Be open to change. Life is always changing, so it's a good idea to be open to all the curves along the way. Being able to adapt to everyday life is a skill that will serve you well in the future. In your 60s & 70s Reassess your goals. That thing you always wanted to do one day? Do it now. Adjust and modify your goals to include the steps itll take to reach that dream. Start working on writing that book, taking that trip, or even reaching a health and wellness goal to keep a positive mental attitude going. Add in some adventure. Remember, theres no age limit to new adventures. Happy thoughts and actions can even make you more likely to try new things. Go for new activities, try new recipes, or make new friends as an adult. These ideas keep your sense of play alive and well. Nurture old and new relationships. Improve relationships by focusing less on long-held disagreements. You don't get any points for winning arguments. Letting go of the past paired with self-compassion exercises can help you move forward. Mentor others patiently. Share your experiences and wisdom with others. Remember to be kind and patient by listening without judgment and putting yourself in their shoes. Someone out may need you to guide them in a way that only you're capable of. In your 80s & 90sMake time for the small things. Love spending time with your family? Make an effort to engage in the small activities you enjoy every weekor even daily! This can lead to an overall positive mental attitude later in life.Keep learning. Nows the time to try that new hobby youve always wanted to or pick up an old one. Even making friends as an adult or participating at a senior center near you can lead to a sense of joy. Plus, learning new skills keeps your brain sharp.Be kind to yourself. Listen to your body and give it what it needs. Go for a quick walk outside. Eat healthy foods. Embrace each day as a chance to live the life you desire, regardless of your age.  This article is contributed by Devoted Health.  Contact your local Devoted Health Representative at 251-391-3788 to find out how you could save with a Medicare Advantage Plan.