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Sarah Sanders wasn’t shocked when she was diagnosed with breast cancer at age 41 in September 2015. In fact, she expected it.

Dr Wade SmithThat’s because Sanders has a strong family history of the disease on her father’s side. Her paternal grandmother died at age 35 from breast cancer, an aunt passed away at age 50, and another aunt was diagnosed in her 60s and successfully treated. This knowledge made all the difference in Sanders’ approach to her breast health.
“Call it whatever you believe in, but this was put on my heart at a very young age,” she said. “I sort of always knew this was coming for me, and I do not mean that in a negative way. I mean it in an ‘I need to be proactive’ way. Maybe it’s my grandmother – maybe she’s my guardian angel.”

One thing that made all the difference in her breast cancer care was her choice of board-certified medical oncologist, Wade Smith, M.D., who specializes in breast cancer treatment at City of Hope Newport Beach. After her tumor was removed, Dr. Smith performed cutting-edge genomic testing that determined chemotherapy wasn’t necessary. Sanders said that when Dr. Smith told her the news, it was the only time she cried.

“He represents everything City of Hope stands for,” Sanders says of Dr. Smith, Assistant Clinical Professor, Department of Medical Oncology & Therapeutics Research.

I am with the institution that’s going to have the most cutting-edge technology and advanced medical science. City of Hope is the place to be.” – Sarah Sanders

City of Hope Newport Beach is home to many of the nation’s leading clinician scientists who are transforming laboratory breakthroughs into treatments to offer the best hope for patients. Recognizing that each cancer is unique, City of Hope Newport Beach assembled a roster of outstanding researchers and physicians with highly focused knowledge. For breast cancer patients, that includes breast surgical oncologist Hang T. Dang, D.O., and nurse practitioner Linda Buck, herself a breast cancer survivor.

Sanders says she appreciates the environment of City of Hope Newport Beach as well as the staff, whom she describes as the “best in the field.” Sanders now lives in Indian Wells with her boyfriend, Curtis, and their 14-year-old dog, Bridget, but says she can’t imagine receiving care anywhere other than City of Hope.

Sanders is approaching the five-year mark in her cancer journey, and she recognizes how important it is that her tumor was discovered early. Sanders’ family history caught the attention of her OB/GYN, who referred her for genetic and other testing. Sanders learned that she had the ATM mutation that increased her cancer risk. Then an MRI revealed a small tumor in its early stages, close to her armpit, that may not have been caught with a traditional mammogram. Because of the gene mutation and her family history, Sanders chose to have a double mastectomy.

Recuperating from the procedure was challenging. For Sanders, the most “life-changing aspect” of breast cancer was letting someone else take care of her – specifically, her mom, Teri, who basically moved into Sanders’ home to help her.

“I reconnected with her in a massive way,” Sanders said. “We still laugh when we talk about her trying to give me a shower. But she would wash my hair, and we would just laugh.”

Sarah Sanders

Between the mastectomy, reconstructive surgery, and a hysterectomy, Sanders had six surgeries within one year. During this time, she was referred to Jeffrey Weitzel, M.D., a City of Hope clinical geneticist who studies the ATM mutation and took her care “to a level no one else can match.”

“First, it made me aware of other cancer risks I have because of the mutation,” Sanders said. “More important is the peace of mind, knowing my care is with the ‘A’ team. I am with the institution that’s going to have the most cutting-edge technology and advanced medical science. City of Hope is the place to be.”

Sanders urges people – especially those with a family history of breast cancer – to take advantage of City of Hope’s personalized and highly specialized care.

“There is a massive difference when you are being monitored by a compassionate, technologically advanced cancer center like City of Hope and detecting cancer early,” Sanders said. “That’s my battle cry.”

Infinity Medical and Wellness offers a tremendously successful treatment option - FDA Cleared and Covered by Medicare and Most Major Medical Insurances

Are you or a loved one suffering from chronic pain caused by peripheral neuropathy? Do you experience pain, numbness, burning, tingling, or tightness in your hands and feet? Have you tried multiple therapies and medications (i.e. Gabapentin, Cymbalta, Lyrica and Neurontin) only to experience side effects and with little to no relief?

5bc62fe4b6ba2a4b34ee49e0 img neogenWould you like to try a natural treatment that is covered by insurance?

Call us to find out if you are covered. Most of our patients pay little to nothing and see a decrease in pain in only a few treatments.

We use a cutting-edge electrical cell signaling device called “Sanexas” to increase blood flow and nutrient delivery to sites of pain. This helps give the nerve cells the nutrients they need to get you out of pain and remain healthy.

NerveDamageDepending on your coverage, YOUR TREATMENT COULD BE LITTLE TO NO COST TO YOU. The amount of treatment needed to allow the nerves to recover sufficiently varies from person to person and can only be determined after a detailed physical exam.

Call to make an appointment to determine if your chronic pain and peripheral neuropathy can be successfully treated.

YOU DO NOT HAVE TO SUFFER ANOTHER MINUTE. CALL NOW!

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Logo 50Infinity Medical and Wellness
25301 Cabot Road, Suite 103
Laguna Hills
(949) 751-1007
InfinityMedicalandWellness.com

City of Hope understands its patients need them more than ever. That’s why they are continuing to provide lifesaving treatments while doing everything they can to keep patients safe.

With decades of experience in treating and protecting patients with cancer, City of Hope is among the nation’s most prepared organizations to help patients through the COVID-19 crisis – and is one of the best and safest places to receive cancer care. City of Hope Newport Beach continues to provide lifesaving treatment while taking every measure necessary to protect patients, families, and staff.

“Patient health is our number one priority and our COVID-19 protective measures are an extension of the high-quality care we provide,” says Tingting Tan, M.D., Ph.D., a medical oncologist at City of Hope Newport Beach who specializes in thoracic cancers. “We remain focused on protecting our patients and their loved ones while making sure they get the care they need.”

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Since cancer patients are particularly vulnerable to infection, protecting them means that safety measures need to start before they arrive at the front door. With limited exceptions, visitors need to wait for patients outside the building during this crucial period. Visitors are welcome to walk with patients, or bring wheelchairs, to the door, where staff greets them and begins the check-in process.

City of Hope recognizes the importance of involving family in your visits and treatments during this time. There are several ways visitors can participate in appointments. Patients can conference them in on a video call or a phone call while they’re in the doctor’s office, or the doctor can come outside the building before or after the appointment to speak with the patient and visitor together.

If you’re a patient, here are some other ways you’ll be protected when you come in for an appointment:

As you enter the lobby, the first thing that will happen is a temperature check. It’s quick and easy. A staff member will hold an infrared thermometer to your forehead to make sure your temperature is under 100 degrees Fahrenheit. You’ll receive a colored wristband that lets everyone that you’ve been cleared for temperature.

You won’t be surprised to learn that you will also be given a mask. Masks are one of the best ways to shield each other from respiratory droplets, so every patient receives a medical grade mask to wear for the duration of their appointment; you can be certain that our staff also will be wearing masks at all times. If you brought your own mask, you may continue to wear it underneath the mask we provide.

Patient health is our number one priority and our COVID-19 protective measures are an extension of the high-quality care we provide …

Next stop: the reception desk, for the normal check-in process. You’ll find the waiting area inviting and safe, with signs posted asking that social distancing be maintained, and seating that has been appropriately spaced.

If you have a physician appointment, you’ll wait on the first floor for a medical assistant to take you back for your visit. If you have come for an infusion, an additional temperature check will be performed when you arrive at the second-floor infusion clinic. Everyone in the clinic wears a face mask and either a face shield or goggles, and gloves are worn by every clinician providing infusion care. In addition, every infusion bay is physically distanced.

To further ensure safety, City of Hope frequently and meticulously sanitizes all areas of the facility, including but not limited to waiting rooms, hard surfaces, and high-traffic and high-touch areas. Hand sanitizing stations are located throughout the building.

Patients can take comfort in City of Hope’s continued commitment to provide them with exceptional cancer care.


City of Hope is a safe place for world-class cancer care. To make an appointment with a physician at City of Hope Newport Beach, please call (949) 763-2204. For more information, please visit cityofhope.org/OC.

My colleague and mentor, Dr. Bill Hoy, and I have been doing several virtual grief workshops over the past few months since the onset of the COVID-19 pandemic.

We’ve talked with funeral directors, hospice clinicians and healthcare professionals, educators, faith leaders, and the community at large. One thing that has struck us are the familiar questions, concerns and fears that are almost universal amongst these diverse groups of individuals. Some common themes include how to provide support and care with new regulations and restrictions, how to be present for others while managing our own fears, how to keep ourselves healthy and safe, concern about what the future will hold, wonder about how long things will “be this way”, and a general sense of uneasiness about the uncertainty of our world.

Much like the grief we experience when someone we love and care about dies, the loss- stacking we have experienced both individually and collectively as a community has left many people feeling uncertain and anxious. Yet fear, uncertainty and discomfort can be our compass for growth.

The truth is... we were never guaranteed certainty; not now and not before COVID-19, protests and riots. I talk with grieving people whose lives have changed in an instant. None of us are promised tomorrow.

We tend to grieve like we live. Dr. Ken Doka, a leading expert and author on death and bereavement, examines styles of grief. Intuitive grievers experience grief in waves of feeling while instrumental grievers are more likely to talk calmly and describe more physical symptoms of their grief. There is no right or wrong, no better way to grieve. Most of us fall somewhere on this spectrum of intuitive and instrumental grievers. Dr. Doka goes on to state that there are differences not deficiencies. There is no best way to grieve. We all approach it differently, and that is okay.

Just like everyone grieves differently, we all react to stress and uncertainty differently. Have compassion for others who may be at a different point in coping from where you are right now. The level of anxiety each of us feels now and how we are able to cope with it, mirrors our ability to cope with anxiety prior to the unrest we’ve felt in our world and communities over many recent weeks. Internalizing the uncertainty is what creates our anxiety.

So, what CAN we do to manage the uncertainty we feel?

Make a mindset shift: expect change. As Greek philosopher, Heraclitus wrote “Change is the only constant in life.” Focus on what you can control, rather than what you cannot. Limit your news intake, move your body, eat healthy foods, get enough sleep, build in time for relaxation, and practice being in the moment. Notice your emotions and reactions. Allow yourself to feel all emotions and try not to label them as “good” or “bad”, rather “I’m feeling overwhelmed” or “I’m feeling scared” or “I’m feeling like I’m moving forward”. Know the facts and challenge your self-talk. As Dr. Hoy states, “facts override fear”. The more information we have, the better we are able to manage and cope with our fears.

I leave you with this inspiring quote from Dr. Maya Angelou that is so perfectly apropos for the time in which we are living: “A bird doesn’t sing because it has an answer, it sings because it has a song.” What a beautiful thought...in the midst of uncertainty, go out into the world and sing your song.


IMG 0569O’Connor Mortuary
25301 Alicia Parkway
Laguna Hills, CA 92653
(949) 581-4300
www.oconnormortuary.com

As the COVID-19 pandemic evolves, what kinds of precautions is City of Hope Newport Beach taking to keep patients safe, and what can you expect when you visit?

With decades of experience in treating and protecting patients with cancer, City of Hope is among the nation’s most prepared organizations to help patients through the COVID-19 crisis – and is one of the best and safest places to receive cancer care. City of Hope Newport Beach continues to provide lifesaving treatment while taking every measure necessary to protect patients, families, and staff.

“Patient health is our number one priority and our COVID-19 protective measures are an extension of the high-quality care we provide,” says Tingting Tan, M.D., Ph.D., a medical oncologist at City of Hope Newport Beach who specializes in thoracic cancers. “We remain focused on protecting our patients and their loved ones while making sure they get the care they need.”

DrSince cancer patients are particularly vulnerable to infection, protecting them means that safety measures need to start before they arrive at the front door. With limited exceptions, visitors need to wait for patients outside the building during this crucial period. Visitors are welcome to walk with patients, or bring wheelchairs, to the door, where staff greets them and begins the check-in process.

City of Hope recognizes the importance of involving family in your visits and treatments during this time. There are several ways visitors can participate in appointments. Patients can conference them in on a video call or a phone call while they’re in the doctor’s office, or the doctor can come outside the building before or after the appointment to speak with the patient and visitor together.

If you’re a patient, here are some other ways you’ll be protected when you come in for an appointment:

As you enter the lobby, the first thing that will happen is a temperature check. It’s quick and easy. A staff member will hold an infrared thermometer to your forehead to make sure your temperature is under 100 degrees Fahrenheit. You’ll receive a colored wristband that lets everyone that you’ve been cleared for temperature.

You won’t be surprised to learn that you will also be given a mask. Masks are one of the best ways to shield each other from respiratory droplets, so every patient receives a medical grade mask to wear for the duration of their appointment; you can be certain that our staff also will be wearing masks at all times. If you brought your own mask, you may continue to wear it underneath the mask we provide.

Next stop: the reception desk, for the normal check-in process. You’ll find the waiting area inviting and safe, with signs posted asking that social distancing be maintained, and seating that has been appropriately spaced.

If you have a physician appointment, you’ll wait on the first floor for a medical assistant to take you back for your visit. If you have come for an infusion, an additional temperature check will be performed when you arrive at the second-floor infusion clinic. Everyone in the clinic wears a face mask and either a face shield or goggles, and gloves are worn by every clinician providing infusion care. In addition, every infusion bay is physically distanced.

To further ensure safety, City of Hope frequently and meticulously sanitizes all areas of the facility, including but not limited to waiting rooms, hard surfaces, and high-traffic and high-touch areas. Hand sanitizing stations are located throughout the building.

Patients can take comfort in City of Hope’s continued commitment to provide them with exceptional cancer care.


Cancer hasn’t stopped for COVID-19, and neither has City of Hope. To make an appointment with a physician at City of Hope Newport Beach, please call (949) 763-2204. For more information, please visit cityofhope.org/OC.

How the Young Can Help

“Mary,” a City of Hope patient and a 70-something grandmother from Beverly Hills, worries that COVID-19 and the calls to practice social distancing may actually make things worse for many seniors who already lack the close personal connections they desperately need.

“I just wish that people would not think that older people are invisible or incompetent,” she said. “I think that many of us seniors are very isolated and lonesome.”

“Eleanor,” another patient in her 80s, lives a few miles away. She feels the same, with an added concern: quickly getting up to speed on the latest technology.

“I am trying to stay positive and be kind. Not to say that it always works for me,” she said. “I had a real meltdown last week, prompted by my frustrations with the computer, the new reliance on Zoom and other sites that I find difficult to deal with.”

As we all adapt to the new normal of sheltering in place and keeping our distance, experts say older Americans need extra care and vigilance, not only for medical reasons but for emotional ones too. People over 60 have diminished immune systems, putting them at greater risk of contracting COVID-19 and suffering more if they do.

Many seniors may also have underlying health conditions — such as cancer, diabetes or cardiovascular disease — that can make a bout with this virus more dangerous.

But it’s the risk to seniors’ mental and emotional well-being that most concerns William Dale, M.D., Ph.D., director of City of Hope’s Center for Cancer and Aging Research and chair of the Department of Supportive Care Medicine. It’s also why he dislikes the term “social distancing.”

“Those two words should never be together,” he said. “The key is physical distancing. You mustn’t stop being social. We need to maintain emotional connections even if we can’t be physically close, because isolation can be a terrible thing, leading to depression and cutting folks off from the help they need.”

Dale wants to see all people — young and old — increase their connections to one another, taking advantage of available technology, matching it to each person’s capabilities. Not every older adult can figure out a Zoom video conference, for example, but there’s no reason not to pick up the phone and talk to them, or send an email. To reach the un-savvy, anti-tech types, Dale recommends a secret weapon.

“Use the grandkids!” he said. “Ask them to check in” with grandma and grandpa, and watch what happens. “The grandparents will be motivated to learn the new technology to stay connected with the kids.”

And whenever possible, find ways to maintain face-to-face interaction. Perhaps hugs and kisses can’t happen right now, but seeing friends and loved ones from 6 feet away and with other proper precautions can still mean a lot.

“Mary” and her family have figured this out.

“When one grandchild came home [from an overseas trip], she stood on the sidewalk and we were on the porch so we could share love and throw kisses,” she said.

And “Eleanor” makes a point of reaching out.

“We must dig into ourselves and find more love to give away, especially at this time,” she said, “So I decided to give gifts to someone twice a week, like a delivery of pizza or fruit, and to send at least two emails or phone calls every day to friends.”

Importance of Connection

Dale knows from personal experience — as a young resident at a VA hospital and in his current City of Hope job — the importance of personal contact. He remembers how disappointed some of his outpatient older veterans would be when he’d tell them, “You’re doing OK, no need to come in this week.”

“I was stunned,” he recalled, by the way they’d argue, ‘But I do need to see you! I need to talk to you!’

“It took me a while to recognize just how important it was to them to make a regular connection.”

William Dale, M.D., Ph.D., director of City of Hope’s Center for Cancer and Aging Research He encounters similar challenges as City of Hope attempts to balance the infection risks of close contact with the emotional needs of each individual patient. Who should come in? Who can be better served with a telemedicine session? Who should get a home visit by a nurse? The staff uses a special assessment to help make those decisions, analyzing each patient’s unique needs and vulnerabilities, including the strength of their social networks and support systems.

Dale feels a heightened sense of responsibility now, in the face of this crisis, more determined than ever to do the right, meaningful thing for each patient. He hopes the day never comes when care is narrowly “triaged,” with seniors’ chronological age and physical condition placing them at the back of the line. “Disadvantages must never become a reason or excuse to further disadvantage people,” he said.

Do These Three Things

He’s urging every older person to do three things, right now:

“First,” he counseled, “if you do go out, remember that physical distance. Second, find ways to remain emotionally connected to friends and family. Don’t be afraid to reach out. Don’t worry about ‘bothering’ them. They want to hear from you. And third, identify what brings you peace in these anxious times — walking, meditation, whatever works for you.”

He has another list for young people with elders in their lives.

“Give a call, check in, make a visit, not in an infantilizing way, but in a ‘Hey, how you doin?’ way. Reminisce with them. Sharing happy memories goes a very long way. And if you haven’t already, run through their medical scenarios. Do they have all the medications they need? Enough food? Their doctors’ phone numbers? Make sure.”

One last thing. Dale wants all of us to carefully think about our actions, because they will matter for a long time.

“Let’s have a sense of the moment,” he advised. “This is a historic event.

“How will we feel, six months from now, based on what we do today?”


City of Hope, a world-renowned cancer research and treatment center, recently opened a location in Newport Beach. City of Hope plans to invest $1 billion to develop and operate a state-of-the-art comprehensive cancer care and network of care in Orange County. To make an appointment with a physician at Newport Beach, call (949) 763-2204.

Bringing a Different Kind of CBD Company to Consumers

An exciting new CBD company has emerged, capturing market share in the crowded CBD space. Isolate Pure CBD is making a name for itself, not only because of the way they make and market their CBD, but primarily because of the people who make up the company.

From marketing executives, entertainment company heads, professional athletes and college students to diamond dealers, a superfood expert and a physician for the NFL, Isolate Pure CBD is backed by a wealth of well educated and experienced professionals to bring a different kind of CBD company to consumers.

Isolate Pure CBD as a company has one common dominator and that is they all use CBD and for the most part, for different, wide-ranging reasons including insomnia, workouts, pain, arthritis and anxiety.

Taking in all of the important issues of health, the opioid crisis, climate crisis and sustainability issues of today, Isolate Pure CBD has focused on where to grow, how to grow, how to harvest and how to deliver CBD.

Isolate product family

Isolate Pure CBD is cultivated in the lush Kentucky heartland by dedicated farmers where hemp has been grown successfully since the 1700’s. They sustainably farm premium hemp-derived CBD products in an FDA registered and inspected GMP-Compliant faciity, All of their products are tested by third parties for safety and quality. With that said, they are now working to make consumers as safe and knowledgeable about CBD as they can.

Simultaneously, Isolate Pure CBD is working on a medical study that will help accurately prescribe CBD for a myriad of health issues ranging from anxiety, inflammation, headaches, epilepsy to insomnia, arthritis, gut health, chronic and acute pain. They are working to publish the first medical paper on how best to use CBD for all of these health issues.

Dr. Gazzaniga, who serves on Isolate Pure CBD’s Board of Advisors states that “we are in the early stages of looking at CBD for acute pain treatment in order to reduce or eliminate the need for opiates.”

Isolate Pure CBD currently has four products they have released for public use: 50 mg. CBD capsules that are full spectrum; full spectrum oil droppers that come in both 500mg and 1000mg; a topical cream in a pump form that is 500mg; and lastly, an incredible acne treatment cream that combines Manuka honey and CBD.

You can find and order all of these products online at www.isolatepurecbd.com or you can call 800-284-1293 to order by phone.

Isolate Pure CBD is currently working on additional proprietary products as an alternative to using opioids and for college and professional athletes. They are working to have these products available in 2020.

A Q & A with Kristy Fleming, MD, FAAD
Board-Certified Dermatologist and Mohs Surgeon

Question: Why is fall the season for dermatology?

Answer:

1. Weather

In truth, many dermatologic treatments are technically a form of very controlled skin damage. Damage activates the bodies innate repair system to replace old injured cells with new healthy cells, generate collagen, and restore fragmented elastin. Temperate fall weather provides a much more comfortable healing environment than the summer heat of Southern California.

2. Untanned Skin

Lasers are incredibly powerful exact devices designed to target a precise wavelength (color). Be it brown sunspots on the face, red vessels around the nose, or hair on the legs, the laser treatment is most safe and effective when there is the greatest differentiation between your skin color and the desired target.

3. Sun avoidance

One of my favorite treatments is photodynamic therapy (PDT). PDT is a medical procedure that clears pre-cancers (so usually covered by Medicare/most insurance companies), but also provides an excellent cosmetic result.

However, this treatment requires strict sun protection. I tell my patients: “Pretend you are allergic to the sun. Better yet, pretend you are a vampire.” Even a quick jaunt to the mailbox without appropriate sun protection will leave you feeling like your skin is on fire!

DJS 65072

4. The Holiday Rush

The holidays are quickly approaching and everyone is eager to look their best for visiting family and annual parties. This is our busiest time of year for cosmetic treatments and appointment availability can be scarce. Nevertheless, we can almost always accommodate a “Botox emergency.”

Quick tip: If you have a big event, we recommend scheduling your cosmetic procedure at least 2 weeks prior in order to ensure you’re looking your best!

The holidays also mean schools are on break. This is a great time for kids and college students to catch up on their skin issues without having to miss school or incur additional travel expenses.

5. Insurance Woes

Unfortunately, medical insurances dictate much of our ability to treat our patients. Some patients are losing their insurance at the end of the year, while others have met their extremely high deductible and are anxiously trying to have any outstanding procedures performed before the deductible is reinstated anew. We understand these concerns. Our office stays open during winter break and we frequently extend our hours, but we definitely recommend scheduling your appointment as soon as possible.

Question: Now that summer is over, are we safe to put away our sunblock until next year?

Answer: Definitely not! Don’t be fooled by overcast skies, clouds are poor protection from harmful UV rays. I’ve treated many patients with severe sunburns who mistakenly believed sunblock was unnecessary without sunshine.


Fleming Dermatology & Aesthetic Center
23141 Moulton Parkway, Suite 110, Laguna Hills
(949) 916-5956 | FlemingDerm.com

St Joseph Hoag Health is here to help

You know the routine:

Step 1: Get your prescription from your physician.

Step 2: Get it filled by your pharmacist.

But do you know about Step 3?

Step 3: Have your medications reviewed once a year or more.

Everyone who takes medication has good reason to periodically ask their pharmacist or health care provider to review the medications they are taking. This is particularly important for older adults.

Your body changes as you age. Your drugs may interact differently, especially if you’ve added or subtracted one recently. And your diet or alcohol intake may have changed.

As the U.S. Food & Drug Administration says: “It is important to be aware that more use of medicines and normal body changes caused by aging can increase the chance of unwanted or maybe even harmful drug interactions.”

Tips for avoiding prescription problems

The National Council on Patient Information and Education offers a checklist to help you maximize the benefits of your medications while avoiding errors:

  • When your doctor writes a prescription, make sure you can read it, because if you can’t, it’s possible your pharmacist won’t be able to either. Perhaps your doctor can enter your prescription electronically.
  • Make sure you can understand the instructions your doctor and your pharmacist give you so you can avoid mistakes.
  • When you pick up or are given your medication, confirm that it’s the medication your physician prescribed.
  • If you’re getting liquid medicine, ask your pharmacist for the best device, such as a marked cup or oral plastic syringe, to get the proper dose.
  • Make sure your doctor and pharmacist know about any allergies or adverse reactions you’ve had to medicines.
  • Read about the potential side effects of your medication on the information sheets that come with your medicine. You may need to recognize them if you experience one later.
  • Make sure all your providers know all the medicines you’re taking, including over-the-counter pain relievers, dietary supplements and vitamins.

The Council also notes that some errors, such as taking someone else’s medication or mismeasuring a dose, most often occur at home. In some cases, a person may take more than one medication with the same active ingredient.

For example, if you’re taking a prescription pain medicine with acetaminophen, and then take an over-the-counter medication that also contains acetaminophen, you could exceed the recommended dose and damage your liver.

If you need to dispose of expired or unwanted medications, turn them in safely on the DEA’s National Prescription Drug Take Back Day, October 26, 2019 or find a year-round authorized collection site near you.

Talk to the Experts

But before you make any moves, it’s a good idea to talk to the experts. Signing up for the right Medicare plan can be confusing and, although we may wish they didn’t, plans change from year to year.

To help you, St. Joseph Hoag Health, Orange County’s most trusted health care network, provides extensive resources and information about your Medicare options. You don’t even have to be a current patient to take advantage of our no cost offerings. This year, you can:

  • Seminar - Attend one of our conveniently located meetings throughout open enrollment where representatives from our partner health plans will discuss 2020 benefits. Feel free to bring a friend or family member with you.
  • Phone - Arrange a phone call or meeting with a trusted, independent licensed agent about your Medicare options. After October 15, you can even enroll in coverage right over the phone.
  • Online - Compare our contracted health plans’ 2020 benefits online by visiting our website at sjhh.org/medicare.

All these options are at no cost to you and will help guide you in making the best Medicare choices for your 2020 coverage. To get started and RSVP for a meeting, call (855) 670-1938 or visit sjhh.org/medicare.

Compassion & Experience are necessary in the complex Medicare Insurance Industry. We’ve got the couple for you!

Early in my writing career, I had the opportunity to interview many successful entrepreneurs for an OC-based regional business/lifestyle publication. While the scope of the featured businesses was diverse, the owner/operators all shared an unerring passion for their profession and a common belief that “if you love what you do, the money will follow.”

It didn’t take long after meeting Denice and Stephen Merrill for me to discover this energetic, enthusiastic couple were obviously cut from the same entrepreneurial cloth. As specialists in the often confusing Medicare insurance industry, they educate seniors on the ever-changing nuances of Medicare and the myriad of Medicare Insurance plans available.

For the past sixteen years, Denice has been working in the insurance industry, first as an independent agent, and then as an incorporated business owner, as Merrill Insurance Services Inc. entered the market in 2009. Like any other field, there are the requisite hoops to jump through on the way to owning one’s own insurance business, and Denice has leapt through them all. State board exams, licensing, yearly certifications. “Even with all the classes, there is nothing that can beat years and years of experience,” she says. “I continue to learn and that is what keeps my interest”. It is like a puzzle to fit the unique plan for that unique person. This is not something you can easily do on your own without some guidance from a professional.

As an independent agent, broker and business owner, Denice found that there was not just one approach to the process of “guiding people, organization and staying in touch. “Keeping myself open, selfless and available started setting Merrill Insurance Services apart from others in the industry, and I’ve always tried to operate in a way that I would want to be treated in any given market - to never approach anyone as a salesperson.” I like to find what we might have in common. Enjoy people. It’s easy - Today’s seniors are so diverse, active, and great travel stories! Once we help someone, its usually a relationship for life.

It’s also important to Know your product and services inside and out. Don’t try to be the jack of all trades! Lots of agents try to do it all, and end up knowing very little about the products they are recommending. This leaves the client vulnerable - typically in the area of prescriptions.

Clients began flooding in. In the ensuing years, Denice and her husband Stephen (who joined the agency in 2012 have focused their efforts to exclusively supporting the senior market. “We have both found incredible contentment and passion in our day to day lives and helping seniors. Education and taking the time to explain the details is what makes us different.” We always look at what makes the best financial sense for the client, even if it means suggesting they hold off on activating their Medicare and not enroll with us for a period of time.... (sometimes staying with an employer plan can be the most prudent).

Even with all the classes, there is nothing that can beat years and years of experience. I continue to learn and that is what keeps my interest.

Toward that end, Denice is a regular editorial contributor to Sorbet - a SoCal Senior publication and is the sole presenter at a series of educational seminars on Medicare each month at Mission Hospital. Standing in the spotlight is usually outside her comfort zone and she found the idea of speaking to a large group unnerving. But she talks to the audience like she does to each and every one of her clients: as individuals, with families, and history, and legitimate concerns about their future. “By offering or showing all options, we can help everyone that is 65 and over. There is just not a one plan that fits all.” At these seminars, Denice explains Medicare Basics and the Full Benefits of Medicare in a side-by-side comparison model and finds that “everyone benefits because it is so interactive and lots of questions get asked.”

Questions like “What does Medicare A or B Cost?” and “Do I have to activate Medicare when I turn age 65?” Or Questions like “How will MY personal prescriptions be covered?” This is what might make 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 which is a PPO Style of coverage or a Medicare Advantage HMO style of plan and they all offer amazing coverages, but its the everyday or every month usages of medications that can really break the bank!” I want to protect people and have the skills to help them. We do reviews every year!

Being self-employed has given Denice the opportunity to grow without limitations. “My agency now trains other agents and we are helping them replicate what has worked so well for us.”

My success has come from being honest and just being human and down to earth. I’ve always felt blessed to have found this business, actually out of a time in my life that was difficult financially.

Staying true to her core values has helped everything fall gracefully into place, one hour at a time. “I truly enjoy people and hearing their stories,” says Denice, and these stories are what make her days. “Today, many businesses are so hands-off, so computerized. You’re told to call an 800# and then possibly get disconnected. I am told daily that clients appreciate when they call me, I actually answer the phone: it’s unheard of!” And we are still happy to meet with folks face to face rather than calling someone they’ve never met or may never talk to again. Denice’s husband, Stephen, is a product of the theory too. He’s the one that has always loved public speaking and has taken to this very naturally once you understand your products inside and out, then its a matter of simplifying it to help others understand it too. The personal aspect of still making house calls and sitting across from someone at their kitchen table is not a lost concept.

“When you love what you do, it doesn’t seem like work,” says Denice. “My success has come from being honest and just being human and down to earth. I’ve always felt blessed to have found this business, actually out of a time in my life that was difficult financially. It took a few years and finding my stride before I was able to convince my husband to leave his engineering and sales background to join the company. Now the only thing he can say is that he wishes he’d done it sooner. We tend to draw people in that we can relate to, and Stephen found his success with folks who share similar interests like being outdoors, golfing, fishing, etc. We try and keep it fun. We love our clients and hope that is what comes through.”

Here is some Helpful Information.

WHAT CAN YOU DO NOW - OCT 15TH - DEC 7TH (Annual Election Period)?

You are able to switch from one Medicare Advantage Plan to another or from one Part D drug plan to another. The new policy will take effect on Jan 1 2020.

You are able to apply for a Supplemental policy (PPO Style) and Part D prescription plan. The new policy will take effect on Jan 1 2020.

If you are coming off of an employer plan and age 65+, you can enroll with either solution and the start date will be the first day you’ve chosen to come off the employer plan.

If you already have a Supplemental plan, Example like a “Plan F” - please do not fear that your plan is going away!

The Plan F isn’t going away, it is simply being discontinued to be offered for folks that are turning age 65 as of Jan 1, 2020 and after. If you currently have the plan in place or are already age 65 before Jan 1, 2020, it will still be offered to you. You will not lose your plan if you are currently on Plan F.

MEDICARE INSURANCE IS COMPLICATED, we can SIMPLIFY IT FOR YOU ~

There are multiple ways of getting informed about Medicare and the Plans available to you - it is unique not only by state, but also by county! The Plans Do Change each year. Find an Advocate which can be a Medicare Insurance Broker that can show you side x side comparisons so you can make the best decision as it pertains to YOUR prescriptions, and keeping YOUR doctors, and keeping YOUR costs the lowest for the up coming year.

A Broker offers all the same exact plans being offered by the insurance companies, and at the same exact costs if you had chosen on your own and enrolled over the phone (possibly an 800# with a sales person you’ll never talk to again and that possibly doesn’t even live in your state), so consider using a Specialist in their field….a local, in your town, Agent/Broker Advocate to help you understand the overwhelming and sometimes confusing Medicare Options - Remember this is a no cost service available to you.

If you’d like to contact us directly, please do

Or if you prefer a group setting please stop in at one of these locations and talk to one of us or our agents - we are here to serve you.


TEAR OUT THIS PAGE TO REFERENCE UPCOMING MEDICARE MEETINGS


DJS 7588 65 SAN JUAN CAPISTRANO - RSVP Denice
Oct 5th 9:00a (Saturday)
Marie Callendar
31791 Del Obispo St
San Juan Capistrano 92675

Oct 12th 9:00a (Saturday) - RSVP Denice
Marie Callendar
31791 Del Obispo St
San Juan Capistrano 92675

SAN CLEMENTE
Oct 16th 10:30a (Wednesday)
Nov 6th 10:30 (Wednesday)
Nov 21st 1:00p (Thursday)
San Clemente Senior Center
117 Avenida Victoria
San Clemente 92672

MISSION VIEJO
Oct 17th 6:00p (Thursday)
Mission Hospital Conf Ctr
26726 Crown Valley Pkwy
Mission Viejo 92691
Free Validation for Parking

MISSION VIEJO
Oct 24th 6:00p (Thursday)
Mission Hospital Conf Ctr
26726 Crown Valley Pkwy
Mission Viejo 92691
Free Validation for Parking

MISSION VIEJO
Oct 30th 6:00p (Wednesday)
Mission Hospital Conf Ctr
26726 Crown Valley Pkwy
Mission Viejo 92691
Free Validation for Parking

LAGUNA NIGUEL
WALMART SHOPPERS!
Open Table to help you with Medicare Options
Walmart Oct 15th - Dec 7th
Tuesdays - Fridays 8:00a - 1:00p
27470 Alicia Parkway
Laguna Niguel, CA 92677


Connect with Denice directly by calling (949) 584-2646. You can also connect with Stephen Merrill by calling (949) 584-2634.
Denice CA LIC # 0D99790
Stephens CA LIC # 0E31931


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