My first introduction to the city of Chicago was the 1995 film While You Were Sleeping. B-roll of the city’s skyline flashed through the movie, and the clickety-clack of the “L” ran through its soundtrack. A silver caterpillar cruising over bridges, past the Chicago River. Home to two and a half million people, the city boasts some of the most popular tourist destinations in the world. Parks, hotels, river walks and cruises: enough to fill a day, a weekend, or even a couple weeks of fun filled romping around The Windy City.
Located in the heart of downtown Chicago, Millennium Park boasts world-class architecture, the most sophisticated outdoor concert venue of its kind: an award-winning center for art and music designed by Frank Gehry. Bordered by Michigan Avenue to the west, Columbus Drive to the east, Randolph Street to the North, and Monroe Street to the South: a virtual hotbed of activity any way you walk. Conceived as an outdoor space by then-mayor Richard M. Dayley, the plan evolved from a 16-acre park to the 24.5-acre triumph in the tradition of the city’s original founders.
Rising 1,353 above the streets of the Windy City, The Ledge is a transformative viewing experience. Not for the faint of heart, it’s glass boxes extend 4.3 feet beyond Willis Towers’ Skydeck on the 103rd floor, providing a rarely seen view of the city. The original Sears Tower architecture firm (Skidmore, Owings and Merrill) designed The Ledge so that the fully enclosed glass boxes retract into the building, allowing access for maintenance - and to keep the glass as crystalline as possible. Standing 110 stories tall, the tower itself is a world renowned feat of architecture. Being out on a glass ledge, over a thousand feet above the deck, you’ll never see Chicago with the same eyes again.
Ninety minutes isn’t that long. A typical Hollywood blockbuster runs exactly that - excluding credits and previews, of course. And yet, so much can happen in an hour and thirty minutes. Daily during the sailing season, discover the luxury of Chicago’s finest fleet, and hop aboard for 90 minutes of amazing. Choose Chicago’s First Lady and the Chicago Architecture Foundation to experience a river cruise from the Riverwalk, just three blocks north of Millennium Park. Complete with open-air decks and interior salon room, full bar service, and catering based on your group attendance, you can experience the city in a brand new way. Choose a private cruise for your company, wedding party or social engagement and travel beneath the city’s magnificent skyline alongside a CAF-certified volunteer docent providing stories of The Windy City’s original architects. Magic on the water, in just 90 minutes.
Many modern cities exist solely because their original inhabitants needed a place near the water to survive, a great many years ago. Chicago is no different, and in fact, the history of the city side by side its greatest river makes for some of the most fascinating reading out there. The Chicago Riverwalk offers an in-person look at the city from one of its most unique angles. Dining opportunities, public art exhibitions, local musicians and special events are hosted throughout the season. Tours of the bridges, birding walks with Audubon Great Lakes, and the McCormick Bridgehouse and River Museum offer up some of the city’s most incredible activities side-along its historic landmarks.
Now accepting reservations in the heart of Chicago’s effervescent Gold Coast is the “new” Talbott Hotel (U.S. News and World Report’s Best Hotels in Illinois 2017). Built in 1927, the European-style boutique property recently underwent an extensive $20 million renovation to emerge with a fresh new look with updated interiors throughout - all without compromising the impeccable service, opulent accommodations (think plush beds with luxurious linens, marble accented bathrooms, a waterfall shower and Jonathan Adler amenities), unexpected delights and grace of a bygone era upon which it has stood the test of time.
The amenity-rich property boasts a new state-of-the-art fitness center, complimentary high-speed wireless Internet, pet-friendly accommodation, hotel room service, dry cleaning and laundry service.
Mere steps away from the iconic Magnificent Mile on Michigan Avenue, the Talbott Hotel is fabulously appointed for meetings, weddings, and more. Worthy of a special mention is its brand new signature eatery - 20 East, distinguished by creative, quality-driven menus and a modern take on classic American fare. Playful presentation matches its inventive flavor, open for breakfast, brunch, lunch, and dinner. Everything you want for a taste outside the ordinary.
When one contemplates the term “health crisis,” images from the 1995 medical disaster movie Outbreak come to mind. Hazmat suits and quarantined children in terrifying plastic rooms. But the term is so much more than just the Hollywood scare tactics that have been built up around it. Alycemates, a yearling business, is working on eradicating a different health crisis entirely: that of isolation. ALYCEMates began when Jessica Yum (co-founder of its parent company, ALYCECare) recognized early on that senior isolation and loneliness were reaching epidemic proportions, with increasing numbers living alone at home, instead of in a vibrant, thriving family community, or assisted living facility. She began to realize that the need for companionship was more than just a simple relationship with a caregiver, or a neighbor next door, and Alycemates was born.
There is not a single business that does what Alycemates does. Jessica and her team are excited to offer the community ALYCEMates has built to seniors in the program, “which has evolved greatly from ALYCECare, our home care agency. We bring seniors out of isolation through check-ins, exclusive social outings, and of course, the most important part: their ALYCEMate roomate.” They wanted to create a unique program to alleviate the dangers of isolation without having to throw money at the problem. Home care often costs as much as $25/hour, which, for most folks living on their own at a more advanced age, is a steep going rate. Many individuals didn’t need round the clock care, and wouldn’t pay for it, putting themselves at risk then of falling off the social wagon, only to put them at higher risk of dying earlier. 45% higher, in fact. A staggering statistic, given that according to a 2010 study, that’s 15% more at risk than from excessive drinking, and 25% higher than obesity. 40% higher than losing years from air pollution.
By matching college students, recent graduates, and young adults with seniors as roommates, they could in fact, solve two problems. Senior isolation, and the student debt and housing crisis facing our youth. Seniors would no longer have to live alone: they could be mentors and teachers. Share their stories and dispense wisdom. Students could alleviate the pressure on their pocketbooks, and help others to stay connected. But how exactly are students and seniors matched up?
“We visit a senior’s home and sit with them for an extended period of time to determine if they are a good fit,” says Jessica. “Participating seniors are typically in good health, have an extra room, live in a safe neighborhood, and are sociable. We then interview several candidates for ALYCEMates to determine which individual would be the best fit for the senior in terms of maturity, stability, personality, interests, etc. - a process which can take several weeks.”
Looking for candidates who also have a good sense of community, want to give back, and are comfortable with seniors is no small feat. If they pass the preliminary round of checks, ALYCEMates balances out the equation with a thorough background check, reference check, and credit check. Select candidates get to meet with the senior in person to ensure the chemistry is there. “We’re looking for big-hearted candidates who truly want to be part of the program, and it’s usually very obvious when a candidate is primarily interested in saving money on rent.”
With studies showing that seniors living communally add as many as 10-15 years to their lives, it’s no wonder that a business like Alycemates found its way into existence.
“If you are over 50 and have a spare bedroom, you can become a senior host. It’s as easy as that,” says Jessica. “Earn extra income, alleviate alone time, mentor a young person, make a life-long friend. The benefits are endless. Seniors can earn up to $500 a month through the program.” No hazmat suits, plastic-sheeted quarantine rooms, or reruns of Outbreak required.
Connect with Jessica and ALYCEMates by calling (949) 339-7150 or visit www.ALYCEMATES.com
There has been a surge in popularity over the past decade in the field of home renovation. At first, it was simply Extreme Makeover: Home Edition that brought us all to tears each week as they went through a family home and overhauled it, granting years of wishes with each hammer blow and sparkling new backsplash. Now, you can’t log onto any social media platform without seeing mention of Magnolia Home, or Property Brothers, or Rehab Addict. It’s hip to fix things up. Some fixes are better than others, though. And that’s where Platinum Pacific comes in. Not just in the business for a quick flip, Platinum prioritizes quality over time.
The mantra for most flippers is “get in, fix up, get out” as fast as you can. Platinum co-founder Terry Alderson feels quite the opposite. “We never rush a house to the market if we don’t think it meets the Platinum Pacific standard.” Founded just over two years ago by partners Jerry Bridges, Pat Goldhammer, and Terry Alderson, Platinum is in the business of home renovations and residential redevelopment: what is now commonly referred to as “fix & flips”. “I’m the sales guy,” Terry notes - “Jerry has the construction knowledge dialed, and Pat can navigate the complicated legal and accounting aspects of the business like nobody else. We quickly realized that getting into real estate would be a no brainer.”
Working under the constraints of quality instead of time frees the team at Platinum to only use top caliber materials. When customer satisfaction is at the top of the list, the work is allowed to speak for itself. As the team completes quality job after quality job, “we get quality referrals. And those have helped Platinum Pacific grow tremendously - quicker than we could have imagined!” Their goal is not only to have a positive effect on their clients, but they’d like the quality to radiate outwards, to family, friends, and each other. Dedicated to continuing education and professional growth helps the team stay abreast of burgeoning trends. “Our pledge is to treat our clients and team members with respect at all times. We believe there is always a way forward, and failure is not an option.”
Most renovation in the media focuses its attention on single family homes, or specialty projects, like Extreme Home Makeover. Platinum Pacific has developed a solid foundation of real estate knowledge, and has committed itself to full marketplace relevance. Not only the leader of retirement community remodels, the team is looking to satisfy the individual building needs of each buyer, investor, and realtor on the market. With each client’s unique goals in mind, Platinum Pacific will present specific opportunities that fit the criteria. Fair, firm, and friendly, across the board.
Securing funding, buying distressed homes, and encouraging home ownership are just a few ways Platinum works to renovate and revitalize their community, and those surrounding their business. They also make a monthly donation to the SOS Children’s Village, providing family support care centers, hospitals, and schools to over 150 impoverished countries. A greater scope for a greater return. The Platinum promise.
For a complimentary quote or to connect with Terry, Jerry, Pat and the professionals at Platinum Pacific, call (949) 677-0450.
Leo is a six year old cutie with a shining personality. A Jack Russell Terrier mix, Leo just loves to play fetch and is great on leash. Most of all, he enjoys simply being by your side. He would prefer to be an only dog and not having to share your attention. Could little Leo be the dog for you?
Meet Wink, a 1 ½ year old kitty who’s had a rough start in life. When she first arrived at the shelter, she had a severe and painful eye injury. Luckily shelter staff, veterinarians, and a volunteer group made sure she got all the medical help she needed. Now, she’s all healed up and ready for a new home. Even missing an eye, Wink won’t be kept down! She just loves to run around playing with toys and then basking in the afternoon sun.
Six month old Kevin is an adorable neutered male gray-and-white dwarf mix rabbit now ready for adoption. Initially a tad shy, Kevin doesn’t mind being held or petted once he’s in your arms. He is inquisitive and likes to check out what people are doing when they’re close by. Kevin has good litter box habits and will make an excellent indoor bunny for a lucky home!
Looking for a furry friend but short on space? Perhaps a petite pet would suit your needs. Frank the hamster has a big personality in a teensy, tiny package! You will just love watching him run on his hamster wheel and stuffing his cute little cheeks with seeds. Once you meet Frank, he’s sure to win your heart.
If you would like to know more about the animals listed here, please call the San Clemente/Dana Point Animal Shelter at (949)492-1617, or visit with them at 221 Avenida Fabricante, San Clemente.
One of the biggest frustrations that folks have with Health Insurance when going into the Medicare Market is due to the change of terminology.
No longer is there a simple PPO or HMO solution. There are terms like Supplemental, Medi-Gap, Medicare Advantage, Part A, Part B, Part D, or Medical Groups vs Insurance Carriers. This is what Denice teaches monthly at her Educational Events.
Denice started out as an insurance agent 14 years ago offering individual Health policies, but soon found it to be disheartening when she couldn’t get a client approved, or they would get a decline letter.
Denice says she was introduced to Medicare and reluctantly agreed to sit in on a Medicare Advantage (HMO) presentation at a local Mimi’s Cafe. At the time, she wasn’t a big fan of HMO plans, thought they were limiting and wasn’t sure she wanted to represent a plan she wouldn’t consider for herself. Boy, was that about to change!
Lunch at the Mimi’s Cafe was an eye-opener. She recalled sitting in the room filled with about 15 seniors. The presenter walked through the overview of the plan and spelled everything out. What she learned was there were plans now that wouldn’t cost the client anything per month, they could go to their doctor at no cost, hospitalization stays also at no cost. Wow, being age 65 had its benefits! Everyone in the room was so appreciative and excited to enroll into this new Medicare Advantage (HMO) type plan.
So this was the turning point of Denice’s career and the beginning of her agency that dedicated all efforts to supporting the senior market exclusively.
The Agency “Merrill Insurance Services, Inc” now includes her husband (Stephen) for the last several years. He always says he’d wished he had jumped in years earlier and has never looked back on his sales engineering days, because he enjoys this so much. We have both found incredible contentment and passion in our day to day lives and helping others. We also are grooming other agents, so they too can replicate exactly what we do and have the same love of life and to be in this business of helping seniors. Education and taking the time to explain the details is what makes us different.
Denice shares that one of the most important questions every senior should ask is “How will MY personal prescriptions be covered?”
“This is what makes one plan a better fit for you than another” she says. “Honestly, I can simplify and help you to understand your options of a Medi-Gap Supplemental policy, or a Medicare Advantage plan and they all offer amazing coverages, but its the everyday or every month usages of medications that can really break the bank!”
Because of the ever-changing nuances of Medicare, it can be a nightmare to navigate, it’s also critical to find a professional you trust as a Medicare Insurance Broker…Just like finding the right Financial planner, or CPA, or Doctor. Choose wisely.
“It can be very difficult to know all the ins and outs”, says Denice. “But this is what a good Broker must do…compare different plans and different companies especially! Don’t be fooled by an agent that refers to themselves as a “Broker.” It’s important to ask representatives if they can enroll you with different companies based on your medication needs. If not, they are not doing a complete job for you.”
A complete job is what you can expect when you work with Denice & Stephen. From individual personal meetings, to attending one of their local seminars for a better understanding of this new terminology in the “Turning 65/Medicare World.”
“We strive to make the process as easy as possible,” she says. We love that clients get to keep their doctors. They really didn’t have to change a thing, except perhaps save money! In some cases, just rely on their doctors to direct them to other doctors within the group. Pretty Simple. It often is when you get to do what you believe in.
Connect with Denice directly by calling (949) 584-2646. CA Lic# 0H08139
A symphony orchestra is typically comprised of seventy to one hundred musicians. Depending on the work being played and the size of the venue, the philharmonic is comprised of brass, woodwinds, and percussion, sometimes including keyboard or a stand-alone instrument, like a standing harp.
Each piece has its part in the composition. Each piece has its own individual music, the notes blending together to form the symphony’s movements. Each musical note is vital to the performance.
A human body is comprised of six main elements: oxygen, carbon, hydrogen, nitrogen, calcium, and phosphorus. 60% of those elements makes a body of water. To sustain the symphony that the human body plays night and day - heart rhythm, blood circulation, nerve connection, one must receive the proper amount of nutrients, remain in an environment that is amenable to growth, and avoid injuries or weaknesses that would attack its regular performance. Colonel H.S. Dhinsa has dedicated his life to providing the correct environment for a vibrant internal composition. A voracious reader and trained horseman, the Colonel was born and raised in India. After graduating from his studies as a Veterinarian, he joined the Indian military as an animal vet and became an expert on breeding horses, especially in the areas of fertility and infertility.
A delicate balance, to be sure, the Colonel spent thirty years in the military, perfecting the science behind the body’s own balance, rising through the ranks to become a Colonel. Taking early retirement, he and his wife moved to the United States in 1991. Individual notes in a larger symphony, joining the broad musical sweep of American culture, the Colonel realized how vital it was to alert his new community to the vitamins, herbs, and alternative supplements that could revitalize their health.
Graduating from the American Academy of Clinical Homeopathy was icing on the educational cake. A Master’s recipient of a Nutrition and Reproductive Physiology degree from Denmark added to his extensive background in reproductive physiology, nutrition, and clinical homeopathy. The Colonel began to stack up his experience, looking for an outlet to forge a new path towards health. His opportunity arose in 1999, with the purchase of Health Works Juice Bistro. Housed in Laguna Niguel’s Plaza de la Paz, the Bistro has been Colonel Dhinsa’s “Temple of Healing” for the past 18 years. Present seven days a week to give sage advice to his customers, the Colonel takes pride in the gourmet sandwiches, wraps, soups, wheatgrass shots, and fruit smoothies he provides at Health Works. “We are looking at alternative systems to supplement medical science, and produce a healthy body.”
Without the conductor, a symphony is simply comprised of individual instruments. Single sounds which, without guidance, produce cacophony. Offering free one-on-one guidance to his clients, Colonel Dhinsa is the health composer. Aligning a variety of herbs, medicines, and supplements, his homeopathic cures for yourself or your favorite animal companion will revitalize your internal composition and bring you back to the symphony your own body is capable of. What a sweet sound that is.
Connect with the Colonel by calling (949) 831-9777. Health Works and Juice Bar is located at 27271 La Paz Rd, Suite A in Laguna Niguel.
In a recent conversation with my mother, I discovered something. Something that was a cause for pause as I pondered all the possible ramifications. This thing I realized? My mother appears a bit more stubborn than she used to be. She laughed when I called it to her attention, but the more we thought about the fact that she was growing increasingly stubborn, it occurred to both of us that this trait could prove to be increasingly problematic as she got older.
She shared that she had always imagined herself to be a strong elder - a grey haired grandmother who had seen it all, survived it all, and was stronger for it. But the real truth was that as she remains set in her ways, the traits that she could get away with in her younger years (like wanting to do everything herself and refusing to ask for help when she needs it) would only be exacerbated by the slights of age. At 84, she sometimes forgets the simplest of day to day tasks. Like taking her vitamins and prescriptions - on time and in the right dosages.
In an article referenced on the web site for the National Center for Biotechnology Information, studies have shows that in the United States alone, non-adherence to medications causes 125,000 deaths annually and accounts for 10 to 25 percent of hospital and nursing home admissions. Further, the consequences of non-adherence are enormous. Patients who don’t take their prescribed medications run the risk of serious health issues, including hospitalization and death (ref: mhealthintelligence.com).
How prevalent is this problem? According to a recent Kaiser Permanente report, 72 California hospitals were fined in 2016 by the federal government for the disproportionate number of patients who returned within 30 days of hospital discharge. Ninety percent of these patients were readmitted due to health issues specifically arising from medication non-adherence.
“In spite of their difficulties and illnesses, many men and women prefer to remain independent and self-sufficient as they age,” says Andrew Harper, Co-Founder and Pharmacy Director of the Orange County-based AmeriPharma Specialty Care. “So many cases of patients who arrive at their doctor’s office with the same symptoms they were prescribed medication for, return still suffering, because they had not taken their medication as prescribed.” Or, as I could suddenly foresee happening with my mom, forgetting to take her medication at all.
A respected industry leader utilizing cutting-edge prescription packaging systems, AmeriPharma Specialty Care introduced the MedBox and helped set a new standard in medication management that has revolutionized the way for government-run healthcare programs, skilled nursing and assisted living facilities dispense medication. And now they are bringing the MedBox direct to consumers for use in the comfort of their own home.
Working directly with your pharmacy, AmeriPharma arranges with your physician to manage, maintain, and dispense your medical prescriptions - delivering them right to your front door. Packaged by date and time to be consumed, the MedBox is out to change the way we take pills - for the better. Wrapped in customizable packaging, the doses are easily identified by the patient and/or their caregivers, and even easier to handle and open.
Non-adherence to medications causes 125,000 death annually and accounts for 10 - 25% of hospital and nursing home admissions
“Dosage times are marked, and the procedure of actually filling the packets is done directly under the care and supervision of the pharmacist - which eliminates the chance of you, as a patient, misidentifying a bottle or taking the wrong dosage,” says Harper. “This is especially useful for those patients who cannot manage their own medications as prescribed due to physical disabilities, mental infirmities, or a combination of other factors. Fifty-eight percent of all patients over 65 admit that they have missed taking at least one dose of their prescriptions at one time or another.”
There is no additional cost to using the customized MedBox - patients keep their current insurance and co-pay and won’t pay a penny more for this service (delivered directly to your door - monthly, bi-monthly or in an emergency, within four hours!).
With benefits that include convenience, no additional cost, ease of use, peace of mind AND safety? The MedBox sounds like something my mother and I can both stay stubborn about.
For more information, call (800) 270-7091 or visit medbox.ameripharma.us
All the jokes my husband makes about potentially living under the same roof as his mother-in-law aside, my 84-year-old mother knows she can always move in with our family if or when the time arrives when she needs extra help in her daily life.
I recently learned about Acti-Kare, thinking forward about what options were out there for those looking to take care of their elderly in-house: options to give you more dignity, comfort, and independence, not less.
An industry leader in providing highly qualified, compassionate, and trustworthy caregivers, Acti-Kare is dedicated to in-home care, and Lori Renaud, R.N., is at the helm in South Orange County, steering her team towards excellence. Especially when it comes to senior care. Acti-Kare offers affordable in-home care - both hourly and live-in services - including transportation, meal preparation, personal care services, companionship from professionals who are screened, bonded and insured.
“I began Acti-Kare in April of 2015. Working in healthcare provided me with the opportunity to recognize the value and benefit of high-quality in-home care,” says Lori. “Too many seniors only have a life of existence, leading to isolation and depression.” Indeed, for those struggling with recovery following a surgery, like a friend’s mother after she broke her hip, life becomes smaller and smaller. Until the house you raised your children in can start to feel more like a trap than a triumph.
Acti-Kare utilizes a collaborative approach in working alongside hospice and home health care companies toward the same client/patient goals through open communication and a commitment toward providing outstanding service. “Our caregivers go to the client’s residence, and we are daily achieving my goal of providing seniors the opportunity to have a life with meaning, and a more active, social, and independent lifestyle in a safe environment,” says Lori.
As a Registered Nurse, Lori takes each initial consultation herself, developing an individualized plan of care for every client, and checking back in regularly to provide personalized health assessments. The Acti-Vate Program takes customized care one step further, challenging the norm of an age-induced fatigue, and balancing mind, body and spirit to improve the wellbeing of clients holistically. The knowledge that your loved ones are in careful hands is priceless, and the understanding that those hands are leading your loved ones to a safer, more independent lifestyle in their advanced years is immeasurable.
“I can now sleep at night, knowing my mother is safe,” says Mary, a client from Laguna Beach. “Not only does my mother now have a constant companion, her laundry is taken care of, mail sorted - but if she wants to go out and run errands or meet a friend, her transportation is arranged.” Clients can still do their own grocery shopping; but if they’d rather not bother with the task of preparing and cleaning up afterwards, or perhaps are dealing with a restricted diet, “Acti-Kare caregivers can prepare meals that maintain a healthy diet, as well as monitor their daily nutritional needs to insure sufficient nutrition.” Unfortunately, a great many seniors fail to meet those demands, leading to frustration, and often, a heightened risk of illness.
“I educate the public on disease management and prevention,” says Lori. “But sometimes it takes the presence of a competent, compassionate caregiver to ensure that corners aren’t being cut on health in some of the most important years of your life.” Treating every client as if they were a family member of their own, Lori’s team is confident that their suite of senior care solutions will surpass your expectations for care - without committing to a long-term contract or minimum hour block of service.
My mother is in fine health now. But as she ages and has increasing needs, what a great option to see her in her own home, running her own errands, confident, dignified and independent in the care right at her doorstep.
Connect with Lori Renaud, R.N. by calling (949) 558-2777 or visit www.southorangecounty.actikare.com
A brilliant smile is currency in California. Land of leaning palm trees, beach traffic, and the golden streets of Hollywood. Long-time resident of Newport Beach Bruce Glover, DDS, is no stranger to the demands of the local community.
After completing his undergraduate studies at Cal State Hayward, Bruce attended the University of the Pacific School of Dentistry in San Francisco, receiving his doctorate in dentistry, and beginning a life dedicated to providing the highest quality of care possible. A tough task, perhaps, for a doctor in a field that seems to be plagued with terrible reviews and generally bad vibes. Nobody likes going to the dentist. Just like nobody likes the hard work of getting back in shape, or tackling a task that has been on the to-do list for weeks, purposefully ignored. But everyone loves the result: gleaming, pearlized chompers ready for dinner tonight, or even for the silver screen.
Though he is as efficient, professional, and qualified as any dentist to perform the normal teeth cleanings, bondings, fillings, sealants, and more, Bruce has a special drive and desire to stay abreast of all the current trends and techniques. A regular attendee of continuing education seminars, Dr. Glover has the most up-to-date training on current technologies and techniques. “Implant dentistry has been a primary focus through coursework with Straumann, Zimmer, and others.” At his family, cosmetic, and implant practice in Laguna Woods, one can expect to be met with the utmost care and service, while receiving the most cutting edge of procedures.
Most dental care, to a certain point in one’s life, is preventative. But as the body ages, so do all of its individual components. The teeth sometimes take aging the hardest. When cavities are neglected, when bone loss loosens teeth, or they fall out on their own; when decay causes teeth to break down - all begin to happen with more frequency the older we get. Dr. Glover is invested in remedying these normal failures with the advanced procedures he offers. Crowns, bridges, dentures, implants, and root canals are all within his wheelhouse, and no procedure is finished until the patient is satisfied. “We are focused on providing top quality dentistry by using only the best materials and labs available”, Dr. Glover notes, “we aren’t satisfied unless you are.”
Also taking patients with TMJ into his treatment, Dr. Glover is dedicated to finding creative solutions for those in his care. As there is no one solution to issues that arise with the temporal-mandibular joint, a great deal can go wrong before a fix is found. Dental treatments for the condition can include replacing teeth that are missing, causing misalignment - moving teeth or micro-adjusting the bite, even using a plastic mouthpiece to prevent clenching of the jaw, or grinding of the teeth that may be contributing to the problem. If untreated, “the teeth surrounding (the issue) can begin to shift, or link up, creating a whole chain reaction of bad things.” When teeth deteriorate, gum disease can become a serious issue, and the difficulty of treatment increases exponentially the more neglect is allowed to continue.
Be it a routine checkup or your first set of dentures, “Our promise to you is that the veneers, fillings, crowns, and bridges we create will look as good as or better than the teeth nature gave you. You can trust your smile with us.” Take that one to the bank.
Bruce M. Glover, DDS Cosmetic, Family and Implant Dentistry is located at 24331 El Toro Road, Suite 340 in Laguna Woods. Connect with Dr. Glover by calling (949) 583-1400 or visit www.BruceGloverDDS.com
In In the Greek myth of the Minotaur, a creature with the head of a bull and body of a man dwelt in the middle of a labyrinth. Built by Daedalus and his son, Icarus, the labyrinth swallowed all who dared to enter. Until the hero Theseus. Following his beloved Ariadne’s advice, the hero followed the labyrinth down and down into its center, never wavering to the right or to the left. Trailing a string behind him, Theseus came finally upon the beast, and after a mighty fight, slayed it there in the center of the maze.
Great story, right? Something straight out of a Ridley Scott movie. Though Theseus may be a hero clear out of the pages of myth and legend, a modern tour guide into the labyrinth exists, and will lead you through the mystery that is Medicare.
Ruth Page has lived in Orange County for just over two decades. Having spent a great many years in financial services, Ruth established Porter Page and Company, Inc. in the year 2000, and has been in the business of helping clients navigate the maze of healthcare options, specializing in Medicare insurance ever since.
“I first moved to Aliso Viejo in 1996. I love Orange County, and I can’t imagine living or working anywhere else,” says Ruth. “Well … maybe on a small farm with goats and chickens in Vermont or upstate New York.”
Realizing that her clients felt like they were battling their own beasts with Medicare was the first step to unspooling the Thesean thread: leading those lost in the labyrinth to sunshine. Sifting through the sludge of printed propaganda, government issues, and filtering healthcare noise is enough to drive anyone toward the feeling of quiet desperation.
The Porter Page team is made up of state-licensed and certified agents who are either on Medicare themselves, or who have helped family members evaluate their options and come to a decision about their Medicare. As Ruth recalls, “We quickly realized that coaching from the sidelines on a topic as complicated as this just isn’t an option. That’s why we’re in it with our members.”
While benefits under Medicare are divided into multiple parts, each with differing rules and penalties, Ruth and her team slash the monstrous jargon “and simply explain how these things work in real life.” Most Medicare beneficiaries are unaware that when first enrolling in Medicare, they have “once only” choices available to them during their initial enrollment. And, “we help you determine whether you need Medicare Part A and Part B if you are still working.”
As you face confusing health insurance plans, complicated Medicare, or part bull-part man, you can rest easy knowing that Ruth and her team at Porter Page and Company, Inc. have the string and the sword in hand - ready to cut through the red tape and lead you worry free into whatever life you’re dreaming about: apple orchards in New England, or margaritas on the beach.
Question: What choices do people have during Annual Open Enrollment?
Ruth Page: During the Annual Enrollment Period of October 15th to December 7th, individuals entitled to Medicare have the option to switch or enroll in Medicare Advantage Plans, switch prescription drug plans or enroll back into traditional Medicare. Once a change is made, the choice becomes effective January 1st of the next year.
Also, you can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP.
Question: What is the one thing most Medicare beneficiaries are unaware of when first going on Medicare?
Ruth Page: Most Medicare beneficiaries don’t realize there is a lot that traditional Medicare does not cover such as vision, dental, hearing, or an annual physical exam. Also, there is no maximum on the out-of-pocket costs. Medicare Part B pays 80% of approved costs and 0% of non-approved or excess charges.
For example, consider someone with only original Medicare having heart by-pass surgery. If their hospital charges $300,000 for the surgery and Medicare only approves $250,000 the patient would pay 20% of $250,000 and the $50,000 excess charge and for a total of $100,000.
Therefore, it’s smart to enroll in either a Medicare Supplement plan or a Medicare Advantage plan. Either option will help you contain your health care costs.
Question: Do I need Medicare Part A or Part B if I am still working?
RP: Even if you have coverage through a current or former employer, you may still need to make some important Medicare enrollment decisions. You may have to pay a penalty if you don’t enroll on time, so it’s best to seek the advice of a Medicare professional to understand how your current coverage works with Medicare before making any decisions.
In most cases, for as long as you have group health insurance provided by an employer, you can delay enrolling in Part B, which covers doctors’ visits and other outpatient services and requires a monthly premium. When you eventually retire, or leave your work plan, you will be entitled to a special enrollment period of eight months to sign up for Part B without incurring a late enrollment penalty. Cobra is not considered creditable coverage regarding the Part B penalty.
It’s a good idea to compare the costs of your employer plan (the monthly premium and the co-pays) with the costs of enrolling in a Medicare Advantage plan. In many cases, you can save money by choosing to enroll in Medicare.
Connect with Ruth Page and the professional team at Porter, Page and Company by calling (949) 297-3917.