Identity Theft Protection, Affordable Legal Help

I’ve long been impressed by, and am using the services of, a 30-year-old company formerly known as Prepaid Legal Services. The newly-renamed LegalShield is so affordable (starts at $17 a month) and provides an assigned local firm of attorneys and a wide array of legal services including will preparation, court prep and court time,  preparation of and professional advice on contracts and much more. In addition, LegalShield can help protect your identity, a huge problem in this country. There are individual / family plans and those for businesses small and large. There’s one specifically for those of you who are self-employed.

In fact, I’m such a fan of the company and all it offers that I’ve just signed on as a representative. For more information, visit my LegalShield site. Contact me anytime, for more information. Additionally, if you’re in Arizona, let’s get together for an upcoming informational event soon. You’ll enjoy good food, great information, no sales pressure, and the chance to meet like-minded folks and industry experts in the area. Call or text me soon at 623-217-4083, e-mail, or fill out the contact form on my site. I’m here to help you, your friends, and your family throughout the U.S.

Medicare 101

While there are multiple facets to the U.S. Medicare system and the products available, here’s an overview of your options at age 65:


Part A – Your hospital coverage. With the exception of folks whose lack of employment has paid too little into the system over their lifetime, Part A is free to you. It helps cover inpatient care in hospitals, skilled nursing facility care, hospice and home health care.

Part B – Your doctor visits, preventive service, and hospital outpatient care. Part B is an optional purchase.  In 2012, the most you’ll pay for this is approximately $115 each month. Those who earn $85,000 annually, or couples filing jointly who earn $170,000 together, would be assessed an additional fee.

Part C – Medicare Advantage plans. These are HMOs, PPOs or fee-for-service plans sold by private companies that replace Medicare Parts A and B, and may offer additional services and features such as vision, dental, hearing, chiropractic and podiatry care. Many include prescription drug coverage. Some, called Special Needs Plan, are especially designed to help those with diabetes or other serious conditions. They might also focus on meeting the needs of those struggling with low income.

Part D – Your prescription drug coverage. You would pay approximately $20-$60 each month depending on the plan.

Medigap policies, unlike Medicare Advantage plans which replace Parts A and B, work hand in glove with what is called Original Medicare (A and B), to help pay your out-of-pocket costs such as coinsurance, copayments and deductibles. As with Medicare Advantage, Medigap is sold by private insurance companies. Some Medigap policies offer other services Original Medicare does not.

Please note: You cannot have both a Medigap policy and a Medicare Advantage Plan.

When to apply:

This can be a little confusing; in fact, you might have more than one enrollment period for which you are eligible. Additionally, different plans might have different enrollment dates. Medicare And You, a publication of the U.S. Social Services Department, provides a lot of detail about your enrollment dates.

In general…

  • You can first apply for Medicare three months before you turn 65, until three months after that birthday. If you turn 65 May 27, you can apply February 1st through August 31st.
  • You can additionally apply for Medicare Advantage and / or Part D coverage during the annual election period October 15-December 7, as long as you are enrolled for Parts A and B. This applies to everyone, not just those turning 65.
  • There are also three-month-long special enrollment periods. These individualized dates are based on your having special circumstances such as the onset of illness, or a move out of the coverage area of your current provider. Those who lose their low-income subsidy eligibility would be able to change (enroll or disenroll) their Medicare plans January 1-March 31.

Please note: It’s important that you not miss your enrollment period. Doing so can increase the premium you pay for the plan for the rest of your life, and /or require you to wait several months before enrolling.

We’ll talk more about the details later, and should you have questions, feel free to call, text or email me. My contact information is on the About page. You can also call 1-800-MEDICARE. Here, from the site, is a list of frequently asked questions, and their answers.

Texting for Seniors – Hilarious

I wish I could take credit for these hilarious senior text acronyms, but I can’t. I found them on, as a forum contribution by Ron F from Sun City. If anyone knows Ron, or if you’re Ron, please share more identification with me, and with your permission I’ll share it with my audience.

·ATD – At the Doctor’s

 ·BFF – Best Friends Funeral

·BTW – Bring the Wheelchair

 ·BYOT – Bring Your Own Teeth

·CBM – Covered by Medicare

·CUATSC – See You at the Senior Center

·DWI – Driving While Incontinent

 ·FWBB – Friend with Beta Blockers

·FWIW – Forgot Where I Was

 ·FYI – Found Your Insulin

·GGPBL – Gotta Go, Pacemaker Battery Low

 ·GHA – Got Heartburn Again

·HGBM – Had Good Bowel Movement

·IMHO – Is My Hearing-Aid On?

·LMDO – Laughing My Dentures Out

·LOL – Living on Lipitor

·LWO – Lawrence Welk is On

 ·OMMR – On My Massage Recliner

·OMSG – Oh My! Sorry, Gas

·ROFL..CGU – Rolling on the Floor Laughing…Can’t get Up!

·TOT – Texting on Toilet

·TTYL – Talk to You Louder

·WAITT – Who Am I Talking To?

·WTFA – Wet the Furniture Again

·WTP – Where’re the Prunes?

·WWNO – Walker Wheels Need Oil

  GGLKI – Gotta Go, Laxative Kicking in!

My own contribution: WOBBLPHB – “Worn out boomer blogger long past her bedtime. 🙂

Medicare Phone Scam – Beware!

The U.S. Dept. of Health & Human Services has posted a notice of a phone scam soliciting credit card and other identity information from seniors. The callers try to portray themselves as Medicare representatives, offering free diabetic supplies. Here’s the story, from

HHS HealthBeat

Calling out Medicare Scams

U.S. Department of Health and Human Services, Nicholas Garlow, HHS HealthBeat.

Diabetes patients, beware when you pick up the phone. Continue reading “Medicare Phone Scam – Beware!”

Bicycle guide job in the Grand Canyon

Great temp job for bicyclists who love the Arizona outdoors. Check it out!

Recreation Law

Bright Angel Bicycles LLC, (a guide owned business) is looking for help in our guiding dept. We have developed the first bicycle rental and tour services located at the South Rim and operate several tours per day. The tours operate seasonally March –November weather permitting. The tours run in two directions, the most popular is the Hermit Rd tour followed by the new edition to the park trail system Yaki Point tour!

The Hermit Rd tour starts with a shuttle ride from the Mather Point Visitors Center (M.P.V.C) to Hopi Pt., from there it is 5.5 miles and 90% downhill to Hermits Rest. Total time is 3 hours including shuttle ride. Tours depart at 10am and 3pm.

The Yaki Tour starts at the MPVC and rides along the newly constructed greenway trail to (you guessed it) Yaki Pt.! The ride has a 150 ft. elevation gain on the way to…

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Best of Luck, Phoenix Suns

Metta Chronicles

The Phoenix Suns are two wins away (if one comes at Utah) from becoming the first Western Conference team in 15 years to earn a playoff berth after entering the All-Star break at least six games under .500. With that said, the question surfaces: Especially with this year’s loaded draft is it worth it for this team to sneak into the playoffs, most likely as a sacrificial opponent?

It’s too easy to argue why the Suns sneaking into the playoffs as an eighth seed and probably getting bounced early is counterproductive for the franchise. The Suns are in desperate need of solid, young talent. Steve Nash and Grant Hill are clearly in the final stages of their careers and the talent the team has outside of those two simply isn’t going to cut it. I will say one thing though – Steve Nash, year after year, continues to prove…

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