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6 LIVE IT UP! THURSDAY, JULY 30, 2015 SANTA CRUZ SENTINEL Life | Health | Medicare | Long-Term Care Manfred Luedge • 831.750.9343 mluedge@HealthMarkets.com www.healthmarkets.com/mluedge Find Medicare Confusing? Need help with Supplemental Plans? Trying to decide which Prescription Drug Plan is best for you? We can help with all your insurance needs, including: • Long-Term Care • Final Expense • Life Insurance • Affordable Care Act Contact your local agent: Manfred Luedge Why Medicare Is Not Enough C ongratulations! You're about to turn 65. You're looking forward to your retirement. Finally you're getting rid of your unbelievably expensive health insurance and you'll be enrolled in MediCare Part A (for hospital care) and Part B (for outpatient medical). No more worries! Really? Think again: MediCare Part A has a deductible of almost $ 1,200.00. Part B has a deductible of almost $ 150.00 and a monthly premium of more than $ 100.00. And that's not all: there's almost no coverage for prescription drugs included in Part A and Part B. It gets worse. Even with MediCare- approved procedures, you're responsible for about 20 percent of covered costs. That can add up to unmanageable amounts of medical expense. What to do? Get free advice from a local agent! There are so many choices; it's an amazing maze. Don't get lost. Get guidance! Is a MediCare Supplement plan right for you? Or are you better off with a MediCare Advantage plan (also known as Part C)? What about prescription drugs? Have you heard that there can be a penalty down the road if you don't buy Part D at the time your Part B becomes effective? It gets complicated! A licensed local agent will be able to help you make an educated and informed decision on what's best for your particular situation. I suggest you find someone you can trust and who has more than one plan available for you, so they're not pushing the one product they have on you, but can objectively point out your choices! Good Luck! Manfred Luedge is a local agent for HealthMarkets Insurance Agency in Santa Cruz. by Manfred Luedge, Healthmarkets Insurance Agency (Santa Cruz), (CA) ~ a new (51)-unit two-story memory care community has begun its construction. The project, Westwind Memory Care, will be a licensed residential care community and will serve residents of Santa Cruz and surrounding communities. The community is located at 160 Jewell Street next to the Santa Cruz Elks Lodge. Construction started January 2015 and is expected to be completed by early 2016. The community will feature a variety of services for 51 Memory Care Units. Licensed under the State of California Department of Health, the community will offer services and activities of daily living designed to support older adults with Alzheimer's and other memory impairments. Santa Cruz Memory Care will employ over 50 team members at full capacity. Westwinds is using both California and the City of Santa Cruz Green Building Codes. The company is committed to using the most conservative water practices and building with environmentally sensitive materials. Santa Cruz Memory Care is nestled in a quiet neighborhood and sits on a 1.8-acre campus that shares property lines with Santa Cruz Elks Lodge 824. The community will offer its residents numerous life- engagement and social activities. Families are welcome to visit in our secure court yard or go for an outing to their nearby favorite restaurant or beach. Our Life-Engagement Programs are designed around creating activities for each person's specific interests, abilities, past history and routine. Engagements throughout each day will promote cognitive, sensory, creative and physical skills. Santa Cruz Memory Care offers affordable monthly rates for specialized environments with programs designed to support residents with Alzheimer's and other memory impairments. Some of the services include: • Personalized Life- Engagement Program • 3 Meals Pus Snacks Daily • Scheduled Transportation • 24-Hour Trained Staff • Individualized Care Plans • Medication Management • Weekly Housekeeping • All Utilities except Phone • And Much, Much More For additional information contact: Valerie Dalebroux, Seasons Management, LLC 560 First Street, Suite 104 Lake Oswego, OR 97034 Office: 503.675.3925 Fax: 503. 675. 3925 www.SeasonsManagement.com Westwind Memory Construction Well Under Way