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 ...
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 ...
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 ...
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 ...
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 ...
Question: I just received a document from the Chautauqua County Department of Health & Human Services, telling me I no longer have New York State paying my Medicare Part B Premium. Now what do I do? Answer: There are many programs under the umbrella of the Department of Health & Human Services (DHHS); just one of them being Medicaid. There are also many types and levels of Medicaid. Without looking at the letter, I would guess that you had previously applied for one of the Medicare Savings Programs. We call them, QI-1, QMB (Qualified Medicare Beneficiary) or Medicaid. All three ...
