TTC_10_25_17_Vol.13-No.52.p1-16

More documents

Recommendations

Info

Page 10 www.TheTownCommon.com October 25 - November 1, 2017 Town Common e Town Weekly Community Common Newspaper BY J. PETER ST. CLAIR, DMD October is almost gone, which means only 2 months left in 2017. Where did the time go? It’s crunch time to get everything done that we haven’t gotten done during the rest of the year. For those with dental plans, it’s Senior Care for Peace of Mind. also the time of year to consider • Meal Preparation • Light Housekeeping utilizing unused dental benefits. • Errands • Bathing Assistance unused dental benefits go • Assistance with Mobility • Alzheimer/Dementia Care • Friendly Companionship • Up to 24 Hour Care directly back to the insurance • Respite Care for Families • Medication Reminders company, which generates www.visitingangels.com/newburyport www.VistingAngels.com hundreds and hundreds of thousands of dollars for the 978-462-6162 insurance companies each year. Dental insurance companies Site Work count on the fact that many The Town Common excavation contractorS people will not claim their $1000 Septic tankS & or so in benefits by the end of SyStem contractorS the calendar year. Those with dental insurance should look for Call 978-462-6162 www.visitingangels.com/newburyport container Service The North Shore’s Largest Independent legitimate Community means to Newspaper use these benefits before they are lost. For example, maybe a crown has been recommended by your dentist but you have The Town Commonprocrastinated about it. It would make sense to consider using those dental benefits before the end of the calendar year. This allows a whole new round of GiuseppesFineFood.com Dr. Laura anne Potvin, P.C. oPtoMetriStS EYE CARE FOR THE ENTIRE FAMILY! Contact Contact your your Advertising Advertising Consultant Consultant today! today! P: 978-948-8696 P: • F: • 978-948-2564 F: make changes to your existing advertise@thetowncommon.com Dr. nYLa LaMBert plans. Making decisions about Dr. KatHLeen 978-948-8696 Horn • www.thetowncommon.com • Medicare advertise@thetowncommon.com can be tough because Dr. CatHLeen DouCette NOw LOCATED AT 939 SALEM ST., GROvELAND 978-374-8991 New Dining Room Full Bar Italian Deli & Marketplace Take out Grab & Go Party Trays 978-465-2225 257 Low St . Newburyport Health & Wellness Brighter Smiles... dental benefits to be used for unexpected dental needs next year and maximizes the value of the premiums paid for this year. Remember, insurance companies are in the business to make money. They don’t want you to use your dental benefits. If the balance (co-payment) you will owe for the dental work that needs to be done is too much for you, consider financing the balance through your dental office. Most dental offices offer interest-free financing to patients for up to 12 months – some do in-house and others use third-parties. Financing your balance in this way may make more financial sense than throwing money away to fund the insurance company’s wallets. Another thing to consider as the end of the year approaches is the use of flex spending accounts. Many employers offer pre-tax flex spending accounts for healthcare expenses. Often underutilized, these are excellent mechanisms for saving about 20 percent on needed dental care or for other healthcare related expenses. If you are paying for part or your entire dental plan premiums, you may want to take a close look at what you are paying vs. what you get. It may make sense to fund an available flex spending account with that New Dining Room Full Bar Italian Deli & Marketplace Take outyou’ll receive a Medicare & you booklet in the mail. Spend the Grab & Go time between now and December Party Trays reviewing it and deciding if you need to make any changes. 978-465-2225 * By now you should have GiuseppesFineFood.com received notices in the mail as well, either a Notice of Change or 257 Low St Medicare has open enrollment Evidence of Coverage, and maybe every year between Oct. Newburyport 15 and both. These will tell you whether Dec. 7. It’s the only time you can there are changes to your existing plan and whether the costs are changing. once you make any changes, you have to live with them for a year. Here are a few things to know: * When you sign up during open enrollment, coverage will start Jan. 1, 2018. * If you’ve already had Medicare, * If you go with an Advantage plan, you’ll also likely need a Part D drug plan to go along with it. If you have an Advantage plan and don’t like it, now is the time to make a change. * Many people who like their current plan do nothing and are Don't Waste Benefits Senior Scene Time for Medicare Open Enrollment premium money instead of, or in conjunction with it. For example, if you are anticipating the need for $3000 in dental care, opting to place the $3000 in a flex spending account can save the income tax on those monies and can usually be used as soon as January 1st. If you have money left in a flex spending account, remember to check with your employer to determine if that money needs to be used by the end of the year. you don’t want to lose that money either. As you begin to make financial decisions for the end of this year and for the upcoming year, consider a discussion with your dental office’s financial person. They are often an untapped wealth of information and can usually thoroughly and knowledgeably discuss your dental financial options with you. Maximize your hard earned dollars. Dr. St. Clair maintains a private dental practice in Rowley and Newburyport dedicated to healthcentered family dentistry. If there are certain topics you would like to see written about or questions you have please email them to him at jpstclair@stclairdmd.com. You can view all previously written columns at www.stclairdmd.com. automatically re-enrolled, but beware: There might be changes in the plan’s cost and coverage that you won’t know about unless you read the notices. To review other possible plans, go online to www. medicare.gov and look for the plan-finder tool. Best bet: If this is your first time signing up, or if you know you need to make changes to your plan but need help, get advice. There’s too much at stake to just pick a plan you haven’t studied. On the Medicare website, look for contacts and select your state, then look for State Health Insurance Assistance Program. Or call Medicare directly at 1-800-MEDICARE. (c) 2017 King Features Synd., Inc.
October 25 - November 1, 2017 www.TheTownCommon.com Page 11 Continued from page 9 GEORGETOWN CEMETERY TOURS See October 28th SENIOR READERS’ THEATER The Firehouse Center for the Arts’ Senior Readers’ Theater presents American master playwright and Nobel laureate in Literature - Eugene O’Neill. Senior Readers (aged 55 and older) share a passion for the magic of theater. Together, they explore a script in detail, develop a character, focus on the use of voice and gestures, and finally perform for the community! Senior Readers’ Theater is performed seated and not memorized. Proceeds to benefit Our Neighbors’ Table - “Hunger comes in many forms. Since 1992, Our Neighbors’ Table has been committed to establishing a community that provides for the whole person with nourishing food, kindness, and dignity.” Sunday, 29 October 2017, 3:00-5:00 PM, Firehouse Center for the Arts (Arakelian Theater), $5.00 (available online at www.firehouse.org and the Box office 978.462.7336). MONDAY, OCTOBER 30th KIDS’ NATURE PROGRAMS - EXPLORE THE REFUGE On Monday, October 30th; from 10:00 – 11:30 am - Take your 3-5 year old youngster on a good old fashioned nature discovery walk. Meet at the refuge visitor center before driving together to the head of the day’s trail on the refuge (no parking fee charged). Each session will include a fall-themed walk on the refuge, for example: migration, cranberry bog, survival strategies, and fall foliage and seeds. Come dressed for the weather. If the weather is completely unsuitable for outdoor enjoyment, an indoor program comprised of crafts, games, and a story will be held instead. Enrollment is limited to 12 children. The parent or guardian must remain for the entire program. Preregistration is required for this program. Registration can be for a single session or all four. Parker River National Wildlife Refuge; Phone: (978) 465-5753 AMESBURY LIBRARY PRESENTATION This month the Amesbury Public Library presents Bill Gerber, Canals of the Merrimack. This presentation provides an overview of the Merrimack River as an artery of transportation, and show and describes what remains of the system today. Before they were adapted to power New England mills, the falls and rapids of the Merrimack River were serious obstructions to travel. These impediments, and the absence of good roads, drove more than a decade of efforts to improve river navigability. Between 1792 and 1848, nine companies constructed 13 canals, incorporating 36 locks, along the main river channel between Concord NH and the sea or, via the Middlesex Canal, to Boston. Lesser improvements were made by a few of these companies at several more rapids. Additional canals were built by still other firms near the mouths of the Nashua and Piscataquog Rivers, and possibly at one or more industrial sites. The program is on Monday, October 30 at 1:00. Registration is required. For more information please contact Margie Walker at 978-388-8148 or mwalker@amesburylibrary.org TUESDAY, OCTOBER 31st HAUNTED HIKE Join us for a harrowing Halloween Hike through the haunted trails of the Crane Wildlife Refuge! All Hallow’s Eve is a night when the creatures of the woods roam the paths and the dunes, silent and scary. Bring someone you can hold on to – and be prepared to hike through soft sand up and down hills for approximately 1.5 miles! We’ll finish our adventure with witches brew and pumpkin bread around a campfire on the beach. Tuesday, October 31 | 7-9PM. Members: $15 Nonmembers: $25 www.thetrustees.org/ craneoutdooradventures, Contact info: Dorothy Antczak, dantczak@ thetrustees.org, 978.356.4351 ext 4052 WEDNESDAY, NOVEMBER 1st WEDNESDAY MORNING BIRDING See October 25th. GEORGETOWN COA FLU CLINIC The COA will host a seasonal Flu Clinic Wednesday Nov. 1, 9:30-11 a.m. at the Georgetown Senior Community Center. There is no pre-registration for the clinic. Priority is given to individuals 50 years and older and those with medical conditions that may put them at risk for complications of the flu. Other individuals may come to the clinic at 10:30 a.m. Please bring health insurance cards to the clinic. The COA can photocopy health cards in advance of the clinic. Please wear a sleeveless or loose fitting short-sleeved shirt to the clinic. The Quadrivalent Flu vaccine is provided by the Georgetown Board of Health. The Flu Clinic is sponsored by the COA and the Georgetown Board of Health. For further information, please call the COA at (978) 352- 5726 or the Georgetown Board of Health at (978) 352-5720. FALL YOGA CLASS SSee October 25th. “CRIMINAL JUSTICE REFORMS” WITH SHERIFF KEVIN COPPINGER Essex County Sheriff Kevin Coppinger will speak on the role of prison policy and programs in the criminal justice reform initiatives now being discussed on Beacon Hill. There are a dozen or more bills still making their way through the Massachusetts legislature to provide alternatives to incarceration, and to improve the services that prepare inmates to return to their communities and become productive citizens. The cost to keep one adult in prison is nearly $50,000/year. The savings from shorter sentences and more programs are significant. Wednesday, November 1, 2017, 7pm. At the First Religious Society, Unitarian Universalist, Lower Meeting House, Unicorn St., Newburyport. Free and open to all. Sponsored by the Justice Action Ministry of The First Religious Society, Unitarian Universalist, Newburyport. Visit frsuu.org/jam. Northern Essex Fuel Corp. Automatic Delivery 24 Hour Burner Service Reliable . Honest . Friendly Service (978)388-5240 Prices subject to change. The perfect gift for yourself or loved one! Integrated Massage: Hot Stone, Lomi Lomi, Deep Tissue, Therapeutic Gift Certficates renewmt.massagetherapy.com $1.99 per gallon 100 gallon min (978)374-1540 ReNew Body Mind Spirit 10 Prince Place Newburyport, MA Mon - Sat by appt. 978.491.7095
Page 1 and 2: The Region's Largest Weekly Distrib
Page 3 and 4: October 25 - November 1, 2017 www.T
Page 9: October 25 - November 1, 2017 www.T
Page 15 and 16: Community Calendar October 25 - Nov

TTC_10_25_17_Vol.13-No.52.p1-16

Create successful ePaper yourself

Delete template?

Save as template?