Health Care Tips for Baby Boomers

This article list some tips that any Baby Boomer might want to think about which could save you time, money and stress in health care.

Many of us Boomers go along in our day to day routines in a nonchalant way.  Then when something out of the ordinary happens we wonder why there is so much stress.  Some things could have been prevented or taken care of more easily if only we had been more knowledgeable or prepared before being confronted with a situation.  I will list some things that any Boomer might want to think about which could save you time, money and stress in health care.

  1. If you usually just see one physician, that physician knows the medications that you are taking.  There are times though that we are referred to a specialist or end up in the emergency room unexpectedly.  Therefore, have a list of all your medications written down with the dosages and times that you take the medication.  The note area in your cell phone is a good place to put this if you normally carry your cell phone with you.
  2. Some medications are dosages of 25 mg. and some may be . 025mg. The small period is very important in order to ensure the proper dosage is given.  Always check this on your prescriptions for accuracy.  There are medications that this could mean a life or death situations.  Rule of thumb;  Check for periods and always even double check after your pharmacist or health care provider.
  3. Know the names of the medications that you take and why you take them.
  4. After having a prescription filled always check the bottle label.  Make sure it is the correct medication and the correct dosage before taking it.  Just the other day I found that one of my medications said 1/2 per day when in fact it was suppose to say 1/2 taken 2 x per day.
  5. When it is near a holiday, week end, or vacation, make sure that you have enough medications to last until your physician is back in the office.  Also pick your prescription up early in the day when possible in case your doctor needs to be called.  Some pharmacies close early also.
  6. Know how your insurance covers.  Know the difference from in network and out of network. Checkout online sites like Consumers Advocate.org for the best reviews of carriers.  This can save you money.
  7. When going to the emergency room most providers will collect your insurance copay at the time of service.  A lot of insurance companies will wave that co pay if you are admitted from the emergency room into the hospital.  For me, I found it easier to get my copay back if this has been collected in error right at that time if at all possible.  Later down the line it takes more time when you may need that money to pay for something else.
  8. When going to a health care facility to be registered for out patient or in patient services, know what an advanced directive is prior to that process.  If you have an advanced directive then take it with you.  If you do not and feel you need one, then it will save time to get that prior to the day you are registered.  This normally requires a notary and can save a lot of time depending on how the facility takes care of such manners.
  9. If your service requires a co pay or out of pocket payment then have your credit card, check book or cash with you.
  10. If you are a single person it is always good to have a friend or relative that knows where your important papers are kept before an emergency happens.
  11. If you have allergies to ANYTHING know what they are.  This might save your life.
  12. If being admitted into a hospital, it is good to know simple medical terminology such as, what is a clear liquid diet or a full liquid diet.  You can then check your own meal tray for accuracy.
  13. When one is ill, it is difficult to remember names of important people, their titles, or departments that they may work with on your case.  Things go very fast.  Do not hesitate if you need to write them down or ask more than once a name or question.  It is your right.  You are the patient.
  14. Yes, I know most of us have our telephone numbers in our cell phones.  Do you have a written list?  What if there is an emergency and your phone looses its charge.
  15. Last but Not Least!  Remember, when a person is ill, we are not always our best self.  It is easy to be cranky, forgetful and lack patience.  That is expected.  When possible though remember to show your appreciation and say thank you.  Then on the other hand if your treatment is not as it should be then speak up, question things, ask for clarification and above all remember you deserve respect and your dignity at ALL TIMES!

Good luck on your next health care visit.  It is important for all of us Boomers to help each other.



An Age to Be Grateful Not Just On Thanksgiving

I have noticed some of my friends in the ages around the late 50s to early 60s talking more about being grateful. In my own life I am doing the same. There must be something about being more grateful as we age.

An Age To Be Grateful Not Just on Thanksgiving

be grateful not just on Thanksgiving

I have noticed some of my friends in the ages around the late 50s to early 70s talking more about being grateful.  In my own life I am doing the same.  There must be something about being more grateful as we age.

It could be we are reflecting more on all the people we have known, the places we have been and the accomplishments and events in our lives.  What a life each of us has had up to this point in time!

There are many people we can be thankful for in our lives.  Think of the people who were your friends at work who you shared lunch time with.  Your colleagues who shared with you, instructed you, who volunteered their time for association meetings as maybe you did too.

Think of your parents who fed and took care of you and sacrificed so your life would be better than theirs.  Think back about other family members like brothers and sisters we shared so much of our lives with, aunts and uncles who gave us presents and cared about us.  Some of these family members are no longer with us. We probably didn’t tell them at the time but we are now grateful for them.

Think of all the places you have been in your life and all the things you have been fortunate enough to experience.   Some of us have traveled to other countries, other states, the nation’s capital, the great Western US, or our National Parks.  Maybe you had the experience of attending a World Series, the Super Bowl, Kentucky Derby, the Olympics, Indy 500, a Broadway Play, or the Petit LeMans.  I am sure you will remember any of those great events and be grateful you made that part of your life.  Maybe it was attending a play at your local high school, your church meetings, or volunteering.  Then maybe you now recognize that life is a journey and simple things like sitting under a shade tree, sitting by a stream,  people watching, or visiting the senior center are all things to be grateful for.

Think of all the things you have accomplished in your life and how grateful you are for them.  These may include raising a family, a happy marriage, your education,  sports or music, a career, a trade or skill you learned really well.  This list could go on but I am betting if you really think about it you are grateful for the opportunity you had to participate in each of these accomplishments.

Now in our everyday life we are becoming more grateful for people we run into like the cashier who smiles and chats with us, the friend who calls and invites us to lunch, a spouse who stays by our side, service workers who wait on our table, clean the hospital and keep this world going.  We can show our appreciation by saying thank you, tipping, holding the door open for people and generally recognizing and showing respect to everyone.

My Thanksgiving challenge to you is As we go through life from this point forward we shall live in the present and recognize every experience, person and place we come across in our lives is something to be grateful for.  All things big and small is to be appreciated.  Showing  gratitude helps too.  This in turn will make us happier and our lives more fulfilled.

So in the spirit of Thanksgiving take some time to think back on all the things you are grateful for.  Maybe this post will jog your memory.



Surprising Age 55 Benefits

Surprising Age 55 Benefits

The benefits accompanying that 55th birthday are many, and some of these benefits may surprise you. Advantages of becoming a “senior” can include perks in just about every area of life: finances, health, transportation and travel, everyday purchases, fun, and even education. Here are a few of those perks that you may not know about:

· Reduced insurance premiums: Although many insurance companies view “getting on in years” as an insurance risk, at the age of 55 you qualify to take the AARP Driver Safety course, which can earn you a discount on your annual premiums. This discount is even mandated by law in some states. Contact the AARP or AAA (if you are a member) regarding this program.

· Free legal advice (from a real lawyer!): As a member of AARP (you can join at age 50), you can take advantage of their legal program – if you have a legal question, there are attorneys from the AARP Legal Services Network in your area who will provide a half-hour of their time for a free consultation with members. There are also free legal helplines for seniors in the majority of states (check out www.legalhotline.org).

· Lower property taxes: Okay, this benefit does not apply to 55-year-olds; you are still far too young to enjoy it! The Senior Citizens’ Exemption actually applies to some lower-income individuals age 65 and over. If you are 65+ and your annual income is $29,000 or less, you may be able to shave up to 50% off of the property taxes you pay on your primary residence – whether levied by county, school district, or city.

· Free continuing education: Thanks to the Senior Citizens’ Higher Education Act, after age 55 you may be able to take credit-earning college courses without paying any tuition. This benefit is also income-based: your taxable income in the previous year cannot have exceeded $15,000 to get the free courses. Even those seniors with more income get some benefit, though: they can audit a credit-earning course – or take a non-credit course – free of tuition.

· Active Adult Community:  At age 55 you legally qualify to live in a 55 plus community or active adult community.

· Senior Center: Many senior centers or as some of them are called “active adult centers” have age 55 requirements. Before you laugh, you should check out today’s senior centers in your neighborhood.

This list is just the tip of the iceberg. There are also Silver Sneakers gym programs, prescription medication discounts, senior travel deals, and benefits at grocery stores, national parks, movie theatres, hotels, restaurants, and many other locations. These offers for 55+ customers may not be publicized, so you should check with the local Chamber of Commerce, or simply flash your ID at your favorite businesses and ask, and you may be amazed at how much you can save.

AARP Discounts
Senior Discounts
Grocery Store Discounts
Age 55 Perks and Discounts



Baby Boomer’s Housing Trends

We have observed these 10 Baby Boomer housing trends. Boomers are not doing as some expected in regards to their housing. Links in the items listed go to more details.

1. Many Baby Boomers love seasonal homes in resort locations. Living in a seasonal home for two to six months then returning to their primary home. Some seasonal homes are owned but many are short term rentals. Most seasonal homes are in warmer locations. Most are in resort locations including active adult communities.

2. One level living is a must because of potential mobility issues and safety concerns. This style is referred to as “ranch style” homes. Continue reading “Baby Boomer’s Housing Trends”



Aging Boomers: Avoid These Downside Risks

These events that could threaten you when you are age 50+ reach across life domains ranging from financial, health, and relationships. No one can identify all the potential negative events that are to be avoided, but certainly some are more common and identifiable and can be avoided.

When we were young, it was all upside gain that appealed to you but as you age at a certain point you realize that you may have more to lose than gain.

The aging process can cause you to become more fragile to events that could cause you or someone else harm or even death.  Your choices help determine your exposure to risks.  Identifying these potential harmful events and avoiding them is smart.  You have more to lose than to gain by participating in some events.

These events that could threaten you when you are age 50+ reach across life domains ranging from financial, health, and relationships. No one can identify all the potential negative events that are to be avoided, but certainly some are more common and identifiable. Here are some items to consider. Continue reading “Aging Boomers: Avoid These Downside Risks”



Aging “With Purpose”

With Purpose begins with the author’s eight page Introduction letting the reader know about his long history and lifetime study of aging, beginning in his early twenties at a time when not much attention was paid to the older folks. With the demographic Age Wave finally here, the author’s insights are indeed interesting and exciting I found. Some of the interesting items in the book deal with:

I have been reading With Purpose (Going from Success to Significance in Work and Play) a book by Ken Dychtwald, PH.D.   This author specializes in the study of aging, maturity and retirement.   A few months ago I read his book The Power Years and thought is was one of the better shall we say, Baby Boomer books that I have read.   I kept that book for future reference and here is my digest of the book. Continue reading “Aging “With Purpose””