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It pays to compare using Medicare’s new plan finder

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Explore your options before Medicare Open Enrollment ends Dec. 7

(Family Features) Medicare’s Open Enrollment period is the one time of year for you to review your current Medicare Advantage or Part D prescription coverage and see if you have better options based on changes to the current plans, your budget or your health needs. The Open Enrollment period, from Oct. 15 through Dec. 7, gives everyone with Medicare the opportunity to review their options and decide whether they want to keep their current plan or make changes for coverage beginning Jan. 1, 2020.

Comparing plans pays. Medicare’s most used tool, the Plan Finder, has a new look and features to empower current and future Medicare users to make informed health care decisions, making it easier to learn about and compare coverage options, shop for health and drug plans and feel confident choosing a plan that best meets your needs.

Plan Finder provides a personalized experience through a mobile-friendly and easy-to-use design to help users learn about different options. The tool walks through the enrollment process from start to finish and allows users to view and compare Part D and many of the supplemental benefits that Medicare Advantage plans offer. It also features a star rating system which gives an overall rating of the plan’s quality and performance for the types of services each plan offers.

Should You Change Your Plan for 2020?

Medicare health and drug plans change each year and so can your health needs. Think about your health status and determine if you need to make a change. Ask yourself these questions:

  • How does my plan compare to others in covering my drugs?
  • Are other plans more affordable?
  • Am I interested in having a plan that covers extra benefits like dental and vision?
  • Does the network include the specialist or hospital I want for an upcoming surgery?

Consider what matters most to you when it comes to health coverage and be open to exploring your options, like Medicare Advantage plans from private insurers, which allow you to simplify your coverage by combining all your Medicare health and drug coverage into a single plan. Users who choose a Medicare Advantage plan often get extra benefits, like vision, hearing, dental and prescription drug coverage. As another alternative, users who choose Medigap can use any doctor who accepts Medicare and receives help with out-of-pocket costs but need a Part D plan to cover their prescription drugs.

Take Action Before Open Enrollment Ends

Medicare Open Enrollment ends Dec. 7. Now is the time to act if you want to enroll in or make changes to your Medicare health or prescription drug plan for coverage beginning Jan. 1, 2020. If your current coverage still meets your needs, you don’t have to do anything. If you miss the Open Enrollment deadline, you will likely have to wait a full year before you are able to make changes to your Medicare coverage.

For more information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends. If you need help in a language other than English or Spanish, let the customer service representative know the language. You can also create a MyMedicare.gov account to manage your personal information like medical conditions, allergies and implanted devices or sign up to receive your “Medicare Summary Notices” (eMSNs) electronically.

Help in your community is available. Get personalized health insurance counseling at no cost to you from your State Health Insurance Assistance Program (SHIP). Visit shiptacenter.org or call 1-800-MEDICARE for your SHIP’s phone number.

More information about Medicare is also available on the Medicare Facebook page and by following @MedicareGov on Twitter.

What’s New with Plan Finder

Join the more than 20 million people who used Medicare’s Plan Finder during the 2018 Open Enrollment period. Here’s what can you find in 2019:

  • Personalized search to find and compare plans
  • More information about extra plan benefits
  • Improved comparison of coverage options
  • Simpler drug list built from prescriptions you filled

Get Help Paying for Prescriptions

Anyone who has Medicare can get prescription drug coverage. Some people with limited resources and income may also be able to get Extra Help to pay for monthly premiums, annual deductibles and prescription co-payments related to a Medicare prescription drug plan. If you have limited income and resources, you may qualify for Extra Help to pay for some health care and prescription drug costs.

Medicare estimates more than 2 million people with Medicare may be eligible for Extra Help but aren’t currently enrolled in the program. To qualify, your annual income must be less than $18,735 a year ($25,365 for married couples). Even if your annual income is higher, you may still qualify. Your resources must also be limited to $14,390 ($28,720 for married couples). Resources include bank accounts, stocks and bonds, but not your house, car or life insurance policies.

To see if you qualify, apply online at secure.ssa.gov/i1020/start or call 1-800-772-1213.

Information provided by the U.S. Department of Health & Human Services.


SOURCE:
Centers for Medicare & Medicaid Services

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Expert entertaining advice for hosting summer soirees

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(Feature Impact) For summer hosts across the country, few pairings are as timeless and crowd-pleasing as wine and cheese. Approachable, easy to find and naturally complementary, these warm-weather favorites are a perfect fit for a variety of occasions.

At the end of the day, summer entertaining is about good food, good wine and creating a space where people feel welcome, according to sommelier Sam Capaldi, whose mission is to make wine fun and approachable.

“My ideal celebration is pretty simple: a few loved ones gathered on the patio, cheese boards in the center of the table, bottles of wine chilling on ice, music playing in the background and a card game that somehow gets way more competitive than anyone expected,” Capaldi said.

Whether it’s a backyard gathering with friends, a solo night watching reality TV or a spontaneous evening, Capaldi wants hosts to remember that the best pairings aren’t just what’s in the glass and on the board – it’s the people, moments and memories that come with them.

In partnership with Cracker Barrel Cheese, Capaldi is sharing simple tips for hosts looking to elevate their summer soirees without the hassle.

Make Entertaining Simple and Fun

The pressure to create the perfect tablescape, prepare an impressive meal and uncork an expensive bottle of wine can feel overwhelming. Instead, a simple text that says “Come over, I have wine and snacks,” can mean the world to a close friend or loved one.

One of Capaldi’s favorite reminders for hosts is they don’t need five different wines to serve alongside a cheese board. Instead, one or two are often more than enough. The key is choosing versatile wines that pair well with a variety of flavors and textures.

Create Memorable, Crowd-Pleasing Pairings

Elevate any gathering with some of Capaldi’s favorite approachable wine and Cracker Barrel Cheese pairings such as:

  • A refreshing white wine, Sharp White Cheddar drizzled with spicy honey and potato chips. The bright acidity of the wine cuts through the salty chips and rich, savory cheese, creating a fresh and balanced bite.
  • A fruity rosé, Extra Sharp Yellow and Sharp White Cheddar, garlic naan crackers, slices of prosciutto and a spoonful of strawberry jam. Rosé is incredibly versatile and plays well with the different flavors on the board, making it a perfect match for several different cheeses.
  • Pinot grigio, pretzels and Vermont Sharp White Cheddar. The citrus notes and the bright acidity of pinot grigio cut through the richness of sharp cheddar, while its crisp finish keeps your palate refreshed between bites. Salty pretzels also help highlight the wine’s fruit notes, making every sip taste a little brighter.

Use Seasonal Additions for a Special Touch

Summer offers an abundance of fresh produce and seasonal flavors that can elevate any gathering without overcomplicating the occasion. Capaldi recommends adding frozen fruit to wine, such as strawberries, peaches or mangos to whites and rosés. The fruit helps keep the wine cold without watering it down and adds a subtle burst of fruit flavor.

When it comes to cheese spreads, a jar of spicy honey can quickly become a go-to ingredient. For a sweet-and-salty combination, try drizzling spicy honey over cheese then pair with potato chips or pretzels so your snack board offers a little bit of everything.

For more summer entertaining inspiration, visit CrackerBarrelCheese.com.

Photo courtesy of Shutterstock (wine and cheese plates)

  

SOURCE:
Cracker Barrel Cheese

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7 tricks to ease back-to-school chaos

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(Feature Impact) Everyone could use a little more magic in their everyday lives – but when it comes to back-to-school season, “manic” often feels like the more accurate word. Between shopping for supplies, coordinating the family’s schedules and trying to make sure everyone is looking and feeling their best, there’s a lot going on this time of year.

While you may not be able to wave a wand and make all the stress disappear, you can use these tips and tricks – courtesy of the haircut magicians at Great Clips – to save time and add a touch of excitement to the back-to-school season.

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Start Routines Early

Instead of waiting for the first day of school to change all your routines, guide your family into the time warp a little more gradually. Shift sleep and wake times a week or two ahead of time so the early wakeups won’t come as such a shock to the system. Adapt meal schedules and other daily habits the same way. Before you know it, the spell will be complete and you’ll be ready to roll with the regular school-day schedules.

Create a Special Back-to-School Tradition

Watching your kids’ eyes light up is its own mini dose of magic that never gets old. Start a fun new tradition to brighten their first day or week. That could be a special breakfast, new outfit, porch photoshoot, surprise gift for them to discover in their backpacks or another creative idea personalized to your family.

Get a Convenient and Affordable Haircut

A haircut can help children and parents get into the back-to-school spirit. That’s why Great Clips partnered with internet celebrity and magician Justin Flom, known for his mind-bending optical illusions, to help remind parents they don’t need complicated tricks to make getting a back-to-school haircut a breeze. With the Great Clips app, parents can easily check in multiple family members at once, keep an eye on wait times and get notified when it’s their turn for a haircut. No illusions, no sleight of hand – just convenient, affordable haircuts that feel like much needed relief for parents.

“Our goal is to help families spend less time waiting and more time doing what matters during one of the busiest seasons of the year,” said Traci Elder, vice president of marketing and communications at Great Clips, Inc. “The Great Clips app helps families save time by making haircuts fit more seamlessly into their busy schedules and at a great price, too.”

Plan Outfits Ahead of Time

The morning rush often feels like the furthest thing from a fairytale. Take at least one groggy decision off your plate by choosing clothes the evening before – or even assembling a week’s worth of outfits on Sunday and storing them in a special drawer that gives your child an instant portal to getting dressed.

Personalize School Supplies

From preferred colors to beloved characters, all kids have their favorites. Stock them up with pens, notebooks, lunchboxes and other supplies that match their current obsessions; that way, it’s more exciting to use them at school and show their swag off to their friends.

Refresh the Study Space

Homework time might look like less of a wizard battle if your kids have a special place to do it. Add some whimsy to their study spaces by putting up string lights, letting them pick out a new piece of furniture or art, and making their environment cozy and comfortable.

Set School Year Goals

As a family, take some time to figure out what each of you wants to achieve this year – and make it fun. Amp up the magic here by writing down your goals; then, keep track of progress by filling up a goal jar with shiny stars, swirly marbles or fun charms. Throughout the school year, set up different “quests” for your family to accomplish.

Discover more about back-to-school haircut magic that saves you time and money at GreatClips.com/BacktoSchool.

Photo courtesy of Shutterstock (mom and daughter)

    

SOURCE:

Great Clips

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Top trends for swoon-worthy cruise vacations

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(Feature Impact) From immersive dining to wellness at sea and elevated entertainment, cruise vacations are becoming some of the most experience-rich trips travelers can take.

“Our industry has long been known for innovation, but what’s most compelling now is how that scale is being leveraged to invest in more immersive entertainment, wellness experiences and purpose-driven exploration at destinations around the world,” said Chiara Giorgi, global event and brand director for Seatrade Cruise Global, the largest and longest-running annual event of its kind serving every sector of the international cruise industry, including cruise lines, suppliers, travel agents and partners.

//www.youtube.com/embed/3tlYK2jcy94

To take advantage of the evolution of the industry when planning your next vacation at sea, consider these emerging trends identified at the conference.

The Rise of Floating Wellness Retreats

Once upon a time, wellness meant spas, saunas and massages. Wellness in 2026 is much more luxurious and is deeply embedded into the cruise experience. For example, Cunard’s “Wellness at Sea” voyages integrate expert-led fitness, nutrition, mindfulness and recovery programming, turning wellness into a structured, goal-driven experience and elevating wellness as a core pillar of the onboard experience. Additional cruise lines, including Virgin Voyages and Celebrity Cruises, are also helping raise the bar on floating wellness. Think thermal suites, meditation spaces and sleep-focused programming, along with wellness excursions and destination-inspired spa rituals that extend the experience to the shore.

Dining Becomes the Experience

Dining has long been a key component of many cruises, but now, food and drink are evolving from a cruise staple to a central form of entertainment and cultural discovery. Cruise lines are investing in immersive dining environments, destination-inspired menus and beverage programs that connect guests more directly with the places they visit.

From location-specific cuisine to interactive dining concepts and destination-driven cocktail programs, F&B@Sea, Seatrade Cruise Global’s companion show, found culinary experiences are increasingly designed to be memorable punctuation points of the journey itself. Across the industry, cruise lines are investing heavily in culinary programs that blur the line between dining and entertainment. Tapping into the supper club trend, Royal Caribbean introduced the Empire Supper Club to turn dinner into a night out at sea, combining multi-course menus, craft cocktails and live music for a full evening experience.

Exploring Expeditions with Purpose

Expedition travel is having more than a moment. It continues to grow as travelers seek deeper engagement with the natural world. Leading the shift toward purpose-driven explorations, operators such as National Geographic-Lindblad Expeditions, long recognized for pioneering modern expedition travel, helped define this category through a model rooted in education, conservation and hands-on exploration. Built on the belief that exploring the world can inspire people to care more deeply for it, expert-led expeditions, such as kayaking among glaciers, participating in citizen science programs studying seabirds and learning directly from naturalists and scientists, place a strong emphasis on stewardship and real-world learning.

Ships as Cultural Hubs

Entertainment at sea is expanding beyond traditional stage shows to include immersive productions, music residencies and partnerships with leading performing arts brands. For example, Holland America Line joined forces with The Verdon Fosse Legacy to debut “Fosse and Verdon, The Duet That Changed Broadway,” a live musical and multimedia tribute celebrating the revolutionary work of Bob Fosse and Gwen Verdon by bringing it to an international stage at sea for the first time.

As cruises continue to expand their global footprint, the Seatrade Cruise Global event positions itself not simply as a trade gathering, but as the central forum where trends are explored and defined. To learn more, visit seatradecruiseevents.com.

Photos courtesy of Shutterstock

   

SOURCE:

Seatrade Cruise Global

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