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Get Ready For Annual Open Enrollment Period

Senior News

Question: When can I change my insurance? Do I have to change my insurance? I think I looked at it this time last year. Answer: Happy Insurance Season! You know I am Medicare Crazy! I LOVE The Annual Open Enrollment Period (AEP), which is open from October 15 until December 7. This period is the time of year you’re asking about: when you have your opportunity to evaluate your insurance options and switch to a plan that works better for you, if you want to. With AEP approaching, curiosity about the coming year’s plans and plan changes is at a peak right now! Unfortunately, you are ...

The Shifting State Of Chautauqua Lake

Nature

Anyone familiar with Chautauqua Lake knows that no two years are exactly alike. Conditions can shift dramatically depending on weather, water levels, and activities across the surrounding watershed. While some trends play out slowly, localized issues like algal blooms, plant overgrowth, or ...

Tips On Comparing Medicare Plans

Senior News

Question: I have a Medicare Advantage Plan (HMO). My friend has Medicare and a Medigap Plan. Who has the better insurance? Answer: Like most questions related to Medicare coverage, my answer will have to be “That Depends!” You both have good Insurance! Most Medicare products are good, some better for some situations, while others are better for other situations. So, let me explain some of the differences. Once you turn 65, and you have Medicare A & B, you can insure two different ways: one path is through Medicare Advantage Plans. This path usually includes prescription drug ...

Caterpillars, Moths, And Butterflies!

Nature

As late summer sets in, it is the perfect time to go outside and look for butterflies and moths. Butterflies can be found in open areas fluttering around near flowers. Worldwide there are an estimated 180,000 butterfly and moth species but even here at Audubon you can find a wide diversity ...

Senior Looking For Insurance After Being Laid Off

Senior News

Question: I am over 65 and until recently I was working full-time. I just got laid off from my job and am overwhelmed with everything that I have to change. Where do I look for insurance? I don’t know where to begin. Answer: First, let me say how sorry I am for the abrupt life changes you are trying to cope with. I have talked with so many individuals over the years who have this happen. We sometimes forget that when we hear those numbers “700 individuals laid off at …” that those are lives and people that we know. All of us hope to someday retire, but many of us are having to ...

What Is A Watershed And Why Do They Matter?

Nature

A watershed is an area of land where all the water – whether from rain, snowmelt, springs, or creeks – drains into a common water body, such as a river, lake, or ocean. Think of it like a giant funnel: everything that falls within its boundaries eventually flows to the same destination. If ...