Robert Wagner Insurance January 2024 Newsletter

Open Enrollment Continues for Individual Plans

It is not too late to apply for or change your health plan for 2024. New applications or plan changes made on or before January 31st will be effective on February 1st.

Premium tax credits may be available for a family of four with an annual income up to $120,000 or for individuals with annual income between $22,000 and $58,000 through Covered California.

There are many plans available directly from the carriers that are not available through Covered California.

The application process is simple and coverage  is guaranteed with no preexisting condition limitations. Looking for a quote for you or your family? 

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The Power of Intergenerational Relationships

from https://starthealthy.com by Bonnie Joffe

Interpersonal relationships lie at the heart of the human experience. Interacting with others and forging new connections brings a whole host of benefits, especially across generations.

Bonds between younger and older people within their families and communities enable each to view the world from diverse perspectives, providing them with a chance to develop mentally and emotionally and stay engaged no matter their age. Whether the relationship is biological, a mentorship, or a friendship, everyone can reap the rewards of these connections.

The transformative impact on children

Intergenerational relationships have a remarkable and lasting effect on children, shaping their lives in ways that extend beyond the immediate family. By being exposed to older people, they can learn valuable lessons, become more understanding and accepting of the aging process, and appreciate the bigger picture of life.

Provide guidance and support

Thanks to their experience and earned wisdom, older adults can help kids build life skills such as resilience, discover how to behave socially, and develop a sense of morality. Besides parents, grandparents in particular can play an important role in the emotional development of their grandchildren. By providing them a safe and loving environment, encouraging them to express their feelings and try new things, and celebrating their accomplishments, they can assist their grandchildren in growing into confident, empathetic, and well-rounded individuals.

Create stability

Time and time again, studies have shown that close relationships between older adults and children are essential for their development. Parents, grandparents, and other caregivers like teachers can provide love, support, and guidance, which can help children develop coping and problem-solving skills and the ability to make good choices. These steadfast relationships can be especially beneficial during times of stress and adversity.

Establish role models

Because children learn through example, seeing how the older people in their lives, including parents, grandparents, and family friends, care for each other will show them how to treat their own loved ones as they grow up. It’s an opportunity for them to witness patience, tolerance, and empathy and learn how to give their loved ones the kindness, unconditional love, and support they deserve.

Endless benefits for older adults

Interacting with young people can improve an older person’s mental and physical well-being and foster their sense of purpose and satisfaction in numerous ways.

Build family connections

When families participate in activities that everyone can enjoy, such as sharing a meal or playing games in the park or backyard, it brings everyone together, setting the stage for open, honest discussions that can break down barriers and stereotypes and instill respect. These interactions bring about a deeper understanding between individuals of all ages and allow them to feel connected to something far greater than themselves.

Foster better health

Research demonstrates that social contact helps decrease an older adult’s chances of developing Alzheimer’s disease and dementia, bolster heart health, lower the chances of depression due to isolation, and lessen stress. Moreover, increased sociability reduces inflammation, improving their overall health.

Reduce societal discrimination

Because the older population is outliving their predecessors, they’re remaining strong and vibrant and continuing to give back to the community for longer. However, while the elderly are respected and revered in many cultures, they are unfortunately regarded as weak and unimportant in others. Connections between youth and seniors enable them to see the other’s perspective better and gain a deeper appreciation for one another, which can help unite members of the community, reduce age-discriminatory behaviors, and improve seniors’ stature and role in society.

Leave a meaningful legacy

By forging strong bonds through the generations, elders have a chance to create a lasting, impactful impression on younger individuals, especially within their families. Building these connections gives them a way to share their knowledge of their cultural heritage and pass on wisdom from a life well-lived, allowing their memory to live on long after they’re gone.

Ultimately, experiencing love and a sense of belonging is the driving force for creating intergenerational connections. Such relationships allow people of all ages to feel appreciated, listened to, and recognized. And that’s an impact that can last a lifetime.

 

Missed the December 7th Medicare Open Enrollment Deadline?

If you failed to enroll or change plans when you had a valid election period (e.g. the recent AEP which ran from October 15 to December 7th) you may have an opportunity if you reside in an area covered by a government declared emergency or disaster see www.fema.gov/disasters.

If you live in California, you may have one last chance to enroll or change your Medicare Advantage or Part D drug plan. Contact me to see if you are eligible for this FEMA Special Election Period.

 

Medicare Advantage OEP

Medicare has two fixed annual enrollment/disenrollment periods, Annual Election Period October 15 to December 7 and Medicare Advantage Open Enrollment Period January 1 to March 31. 

What is Medicare Advantage Open Enrollment Period?

Medicare Advantage members may make a one-time plan change between Monday, Jan. 1 and Sunday, March 31 using the Medicare Advantage Open Enrollment Period (MA OEP). 

If you are dissatisfied about your current plan, I will help you find another plan that may better fit your needs, which may mean switching to another MA plan or returning to Original Medicare. You may also be eligible to enroll in a Medicare supplement plan.

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