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Turning 65, Still Working, and Unsure About Medicare? You Need to Read This

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So you’ve worked hard all your life. Now, you are starting to think about hanging up your spurs and dreaming about all the well-earned relaxation, personal goals, and family time ahead.

You may not have quite hit formal retirement age yet, but you’re almost there and getting ready to blow out 65 candles soon. And your time on the job is starting to wind down too. Even if the final day isn’t set in stone yet — and could be years away — you can at least see the light at the end of the tunnel.

Right now, there are a few things you need to start thinking about and planning for. On top of the emotions you’ll have about the changes to come, there are a few practical real-world logistics that need to be taken care of.

For most people, one of the first items on the to-do list will be obtaining healthcare coverage that can last you for the rest of you life. And this usually means enrolling in Medicare. But how do you enroll? What supplemental coverage do you need? What do you do if you plan to work well past your 65th birthday?

To understand it all, you should start doing some research on your own and talk to a professional expert if you can. But the following break down will help lead you down the right path as you begin to make some very important decisions about your future.

Knowing All Your Options

One of the best benefits of working past 65 is that you may now have several healthcare options at your disposal. If you love the employer-provided private plan that you have been using, that’s great! You are free to stay on that plan until you do finally decide to retire.

But once you hit 65, you are also eligible to transition to Medicare instead — even if you plan to keep working for years to come. Doing so may save you money, as employer-provided plans can be pricey and generally charge relatively high rates for add-on coverage like vision and dental.

Should You Stay or Should You Go?

Still, it isn’t all about cost. If you have had great experiences with your current plan, it’s understandable to not want any change just based on some savings unless the difference is overwhelming.

Then again, Medicare also affords you the ability to take advantage of Medicare Advantage plans that can give you a range of additional coverage, and they often operate like a PPO that allows you to go out of network and see specialists without referrals. Especially if your other option is a restrictive HMO, making the move now may make the most sense.

Obtaining the Best Healthcare Coverage

Some people aren’t ready for retirement at age 65. Does this mean they aren’t ready for Medicare at 65 either? Not exactly. But in some cases, it may not be time to make the switch just yet.

If you’re 65 and still working and you love your employer plan, feel free to stick with it. On the other, for many, it makes a lot of sense to transition over as soon as they can. Most people will spend their final years relying on Medicare anyway, and along with an Advantage plan or other supplementary coverage, it will usually give you most of what you need — and often more than you already have. It definitely makes a lot of sense to switch over as soon as you can.

The best strategy is to compare all your options. You still have a little bit of time — but not forever. Do your homework now. That way you’ll be ready to make the best decision for you and your family.

Health

Mollie’s Fund Brings Skin Cancer Awareness to Forefront

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For over 20 years, Mollie’s Fund has been at the forefront of melanoma awareness and making a difference in melanoma education – partnering with esteemed healthcare providers and medical institutions to educate all ages on the importance of sun safety, provide free skin cancer screenings, and connect patients to the latest treatment innovations and compassionate support.

They are a team of crusaders on a mission to increase awareness of melanoma prevention, provide information and services for skin cancer prevention, and support melanoma patients by connecting them to the latest treatments.

The organization began in honor of Mollie who discovered a mole on her thigh one day in collage. In the following six months, she underwent surgery, chemotherapy, and radiation. The Mollie Biggane Melanoma Foundation was created in her memory after her tragic death at the age of twenty. Since 2001, Mollie’s Fund has worked tirelessly to help prevent such a tragedy from impacting other families.

On May 30, they will host an event to raise funds and make a difference.

Join Mollie’s Fund for a pig roast from Buddy’s BBQ and live country music from Unwined from 6:30pm to 10:30pm at the Garden City Country Club.

TICKETS HERE.

 

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Health

The BioCharger An Electrical Healing Device That Does Remarkable Things

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I wrote about the bio charger, back in July of last year, but had a chance to use it again ar the Wellness and Travel Media Event. This machine uses energy to heal and dextox.

Science has confirmed the existence of a subtle energy fields around all living organisms, similar to the energy field recorded using thermal imaging technology. When optimal, this energy regulates cellular functions. But if it’s lacking or imbalanced, it causes cellular dysfunction, which decreases physical performance, injury recovery and overall well-being. The emerging field of energy medicine (EM) involves assessing and treating energy imbalances so that the body’s systems achieve homeostasis. This builds upon the work of Nobel Prize scientist Otto Von Warburg, who discovered that normal, healthy cells have trans-membrane potentials of approximately 70 to 100 millivolts, while fatigued, sick cells exhibit progressively lower voltages, which drop to as low as 15 millivolts in the case of cancer or disease. A prime example of what is happening now is the interference of 5G.

The BioCharger is a subtle energy revitalization platform that uses four types of transmitted energy—light, Voltage, frequencies, harmonics and Pulsed Electro-Magnetic Fields (PEMFs)—to stimulate and invigorate the body. A touch-free, safe, rejuvenating full-body treatment, BioCharger supports the recovery of strength, stamina, coordination and mental clarity. During BioCharger sessions, members experience a customized electromagnetic field that bathes the full body in frequencies designed to restore
homeostasis. Users have reported measurable improvements in energy levels, fatigue and overall well-being.

Health and Wellness Benefits
• Boosts performance and recovery: our clients consist of Olympic and professional athletes within the NFL, World Surf League, MLB, and NBA who use the BioCharger to accelerate muscle
recovery and reduce stiffness in joints
• Enhances mind-body balance: Aligns body and mind down to the cellular level
• Improves well-being: Delivers a variety of health-related benefits, including improved sleep and
stress reduction2
• Increases energy: Revitalizes cells and restores homeostasis, which can impact energy levels3

I only know one place to use this machine and that is at Ostrostrong, but it is definitely worth checking into.

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Family

Sleep Well With Parallel

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Finding the perfect pillow can be a pain in the neck (literally). It is said we get the deepest, healthiest sleep with a pillow that provides the perfect combination of softness and firmness, as well as the ideal loft to help support your neck and spine.

“One size fits all” doesn’t cut it for those who suffer from neck pain. If you didn’t have neck pain before using an inexpensive pillow, you probably will not getting the proper support.

Memory foam pillows have been the best pillow for neck pain, but adjustable memory foam pillows help the side, stomach, or back sleeper relieve neck pain. They however are not thermal regulating or hypoallergenic, which I have learned for me is key.

I have never had a pillow that I love as much as the Parallel pillow. I have the Parallel High Profile Adjustable Pillow($89) and since it has arrived I have slept like never before. I use awake with neck and shoulder pains….no longer. I also use to flip again….gone.

When the pillow arrives, you throw it into the dryer for 5 minutes and wow the pillow is fluffy and ready for use.

This pillow has an inner shell that contains ParaPur™ silver ions that naturally destroy 99.9% of microbes that cause odors, without nasty chemicals. Silver ions have a wide spectrum of biocidal activity against bacteria, fungi, and viruses, due to their high surface-to-volume ratio. Pure silver is also hypoallergenic. The sculptable, huggable Blutech Fiber Fill (BFF) inside the Parallel High Profile Pillow is a unique blend of downy hypoallergenic fibres and precision-cut gel visco foam that invites twice the airflow of conventional foam. You’ll feel the awesomeness immediately.

The pillow also boasts:

  • The perfect temperature, year-round. Never cold or hot
  • Easily adjustable pillow: add or remove fill for perfect support
  • Oodles of sculptable Blutech Fusion Fill (BFF) with 2X the airflow
  • Doesn’t go flat
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Health

Wellsystem Waterbed Massage That Makes Your Body Feel Like You Are In Heaven

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Yesterday at the Wellness and Travel Media Event I was offered to try the Wellsystem Waterbed Massage. Having to get up at 6am in the morning and not being a morning person, I was dragging by 11am. Then I tried the Wellsystem Waterbed Massage and was sent into nirvana.

In this world stress, bad posture, lack of exercise and 5G are causing more and more people to experience tension and pain in their neck, shoulders back and legs. Wellsystem‘s dry water massage uses heat and water power for a relaxing full, or partial, body massage. I had a five minute session and was brought back to life.

Warm water jets hit the underside of the soft natural rubber surface in even movements. They massage the body from head to toe while you float almost weightlessly on the dry water surface. The soothing warmth and gentle power of the water activates the deeper tissue layers and loosens the entire muscle system. The contactless dry water massage is exceptionally hygienic and an ideal supplement or alternative to manual therapy. 

Right now there isn’t a spa that has this in New York, but hopefully soon as this bed really did the trick.

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Events

Voices for Victoria Launches Call-To-Action Campaign Ahead of June 6th: National Naloxone Awareness Day

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In today’s America, there is an urgent ongoing crisis which can no longer go on. Within the last year, it was reported that over 112,000 lives were lost to opioid- and fentanyl-related overdoses. This epidemic is affecting everyone from all walks of life, leaving all vulnerable to the horrific nature of what has become a sad mark on our country’s history.

The crucial time to turn this statistic around and to create a better tomorrow has arrived, and we’re all responsible for answering the call. Voices for Victoria is a movement that was initiated by philanthropist Nancy Ross in support of the Victoria’s Voice Foundation, a non-profit organization founded with a mission of educating individuals on substance abuse prevention and addiction resources.

Dedicated to spreading awareness about opioid overdose reversal medications like Naloxone, Victoria’s Voice is collectively working day and night to bring attention to a mass movement for change. In need of assistance from advocates, celebrities, and government officials alike, the organization is asking for individuals to join the mission to generate more education and accessibility for Naloxone. At the same time the trailblazers are educating communities about its life-saving potential. They firmly believe that everyone deserves to have access to this vital medication.

For Ross—a mother, investigative journalist, philanthropist, and overdose awareness advocate—the fight to save the next generation is one that hits close to home.

“It’s so important that we are creating the kind of world that’s conducive for not only our children to inhabit, but generations upon generations of teenagers who are going to eventually learn about the impacts of substance addiction,” Ross asserts. “As a mom, I want to know that I’m helping to create a better world for my three children, and for the many students and community members whom this has already affected. We have to fight to save people from the clutches of this epidemic.”

By kickstarting an empowering #VoicesForVictoria social media campaign, this initiative sends a powerful message to communities across the nation that tangible reform is just around the corner, and that no one life should go overlooked. Using a platform has the influence to make a real difference in this fight against opioid overdose deaths.

“I learned about Naloxone after attending an event for Victoria’s Voice, and was blown away by the work they were doing in the community,” Ross says. “Imagine, Victoria could’ve been my own child. The thought that parents are losing their children due to a simple lack of awareness surrounding Naloxone is heartbreaking, but Voices for Victoria is working to remedy that. We are going to make a real difference through this movement.”

As both a parent and public figure, Ross feels responsible for helping to spread the word. As she joins with Victoria’s Voice, the philanthropist seeks to get others to respond to the call of advocacy, and to get the message about Naloxone out to every part of this country.

By reaching wider audiences, #VoicesForVictoria allows even more individuals to join the movement and encourage others to learn more about the life-saving capabilities of Naloxone. From neighbors to friends to loved ones, involvement with this campaign has the profound ability to save millions of people from succumbing to preventable deaths. Through Naloxone awareness, Victoria’s Voice.

Various initiatives leading up to National Naloxone Awareness Day on June 6 are in the works, with one such notable event featuring media personality and the “Wolf of Wall Street,” Jordan Belfort, with a live TikTok and Q&A session on Saturday, May 18 at 3pm EST. Belfort is helping to lead the charge to help save the next generation before it is too late. The critical information will be on his feed in front of his 3.6 million followers on his TikTok account, @wolfofwallstreet.

Victoria’s Voice was founded after Victoria Siegel—the daughter of “The Real Queen of Versailles” icon Jackie Siegel—passed away from a drug overdose on June 6, 2015, at just 18 years old. Victoria was just one of 129 Americans who lost their lives to  a drug overdose on that day. Since then, a staggering number of families across the United States have lost a loved one to overdose. In fact, nearly 300 people die from a drug overdose every single day in this country.

Join the movement today, and save lives with Voices for Victoria on the Victoria’s Voice Foundation official website.

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