Winter 2009 USAA Magazine - USAA.com

FYIMedicareDeadlinesDon’t miss these dates.Nov. 15–Dec. 31: Enroll ina Part D Prescription DrugPlan, switch providers ordrop out.Nov. 15–March 31: Enrollin a Medicare Advantageplan or switch from regularMedicare to MedicareAdvantage.We can help protect youfrom health care and prescriptiondrug expenses.Go to USAA.COM(Search: Medicare).Photography by JupiterGoGreenfor GreenTax credits coversome energyupgrade expenses.Want to potentially reduce taxes and energy bills at the sametime? Install Energy Star ® –qualified insulation, windows,doors, roofing, heating and cooling systems, water heatersor fuel-efficient stoves in your primary residence. You may beable to receive a federal tax credit for 30 percent of the cost, up to$1,500 for products put in service in 2009 and 2010. Consult a taxadvisor before making any large purchases.Additional tax credits are available through2016 for 30 percent of the cost of qualified geothermalheat pumps, solar panels, solar waterheaters, small wind energy systems and fuelcells installed on existing homes or newconstruction. And there’s no cap — an importantperk given the high cost of some of these items.Photography by Bunsen Bookworm/CorbisCautionNot all Energy Starproducts qualifyfor tax credits.Read the rules atenergystar.gov/taxcredits.10usaa magazine WINTER 2009 (800) 531-USAA (8722)