decatur - Wise County Messenger
decatur - Wise County Messenger decatur - Wise County Messenger
8 ALL AROUND WISE, Decatur, Texas, Thursday, August 27, 2009SAVVY SENIORBy JIM MILLERDear Savvy Senior:I will be turning 65 in a few months and applying forMedicare and have been told I need to consider purchasinga supplemental policy to help pay for the things Medicaredoesn’t cover. What can you tell me about this and where canI find help?Supplemental SallyDear Sally,If you’re nearing 65, and plan to choose traditional MedicarePart A and B as your primary source of health coverage,a supplemental policy (also known as Medigap insurance)is definitely something you need to consider. Medigapinsurance helps pay for things that traditional Medicaredoesn’t cover like deductibles, co-payments and other services.Here’s what you should know:ABCs of MedigapMedigap policies, which are sold by private health inurers,come in 12 standardized benefit packages, labeledA” through “L.” The coverage and price generally increases you move through the alphabet from the basic Plan Ahrough the more comprehensive Plan J. Plans K and Lre high-deductible policies that carry lower premiums butigher out-of-pocket costs. The most popular choice is Plan, which strikes a good balance between costs (averaginground $160 per month) and coverage. (Note: If you live inassachusetts, Minnesota or Wisconsin you have a differntset of Medigap plans.)How to chooseTo choose a policy, consider your health status and familyedical history. The differences among plans can be smallnd rather confusing, so you’ll need to do some homework toick the right plan. To help you get started go to the MediareOptions Compare tool at Medicare.gov/mppf. Once youet there, click on “Find & Compare Medigap Policies,” thenype in your zip code. It will give you a breakdown of whatSUDOKU SOLUTIONSeach plan covers, along with a list of companies that offerthem in your area.Since all Medigap policies with the same letter cover theexact same benefits, you should shop for the cheapest policy.You can get the best price if you sign up within six monthsafter enrolling in Medicare Part B. During this open-enrollmentperiod, an insurer cannot refuse to sell you a policy orcharge you more because of medical issues.You also need to be aware of the three company pricingmethods that will affect your costs. Medigap policies areusually sold as either “attained-age” policies, which are premiumsthat start low but rise every year as you get older or“issue-age” policies, which only increase prices because ofinflation, not because of your age. These policies may startout a little more expensive than attained-age policies butmay save you money in the long run. “Community-rate”policies are where everyone in an area is charged the samepremium regardless of age.No drug coverageMedigap policies no longer cover prescription drugs. Ifyou don’t have drug coverage, you need to consider buying aseparate Medicare Part D drug plan, too. You can comparedrug plans and cost at Medicare.gov/mpdpf. Also note thatstandard Medigap plans do not cover vision or dental care,hearing aids or private-duty nursing.All-in-one plansAnother option to consider is a Medicare Advantage plan.Instead of paying separately for Medicare Part B, plus aMedigap supplemental policy and a Part D drug plan youcould sign up for a Medicare Advantage plan that providesall-in-one coverage. These plans, which are sold by insurancecompanies, are generally available through HMOsand PPOs. To find and compare Advantage plans, visitMedicare.gov/mppf.Low income helpIf you have limited income, there are a variety of programsthat may be able to help you cut or eliminate your healthcare costs such as Medicare Savings Programs, Medicaidand prescription drug assistance. To find out if you qualify,visit Benefitscheckup.org.Savvy tipsIf you need help or if you don’t have Internet access, callMedicare at (800) 633-4227 for assistance over the phone.Also ask them to send you a free copy of the “2009 Choosinga Medigap Policy,” publication 02110. Another good sourcefor help is your State Health Insurance Assistance Program,which provides free one-on-one Medicare counseling.To find a local SHIP counselor, call (800) 677-1116 or visitShiptalk.org.!Send your senior questions to: Savvy Senior, P.O. Box5443, Norman, OK 73070, or visit www.savvysenior.org. JimMiller is a contributor to the NBC “Today” show and authorof “The Savvy Senior” book.TERESA N. HILL,M.D., P.A.Board Certifi ed in Obstetrics & Gynecology• Pediatric, Adolescent &Adult Gynecology• Gynecological &Well-Women Exams• Total Obstetric CareACCEPTINGNEW PATIENTSMOST INSURANCEACCEPTED1713 South FM 51Suite 201, Decatur940-627-2118Semi-Annual Pre-OwnedVehicle Clearance08 Hyundai Sonata GLS$12,988$211/mo08 Dodge Quad Cab SLT$19,188$311/mo09 Mercury Grand Marquis$20,488 LS06 Ford Escape XLT$14,98806 Ford F150 Super Crew XLT$15,98808 Chrysler Sebring LX$12,28806 Ford F150 Super Crew XLT$17,988$332/mo$249/mo$265/mo$199/mo$298/moPresented byAmanda P. Lovette, M.D. and StaffBoard Certified in General PediatricsTEEN SUICIDESuicide is the third leading cause ofdeath among U.S. teens, after caraccidents and homicide. Thinkingabout death is common for teens asthey mature and think more deeplyabout everything, including spiritual andphilosophical issues. But when thoughtsof death are accompanied by feelings ofhopelessness or helplessness, a teenmay be at risk for a suicide attempt.Depression, one of the biggest riskfactors for teen suicide, is a real andserious issue for teens. Hormones andsleep cycles change and affect mood.Stress is a common challenge triggeredby schoolwork, job responsibilities,peer pressure, and relationshipstruggles. Substance abuse problemsalso put teens at risk. If you sense ateen is in trouble, get help immediately.08 Dodge Quad Cab SLT$19,98808 Ford Explorer XLT$19,988$324/mo$324/mo09 Ford E350 XLT Club Wagon$21,488 12 Passenger07 Chrysler Aspen Limited$20,98808 Ford Mustang$15,98806 Dodge Stratus SXT$9,988$348/mo$259/mo08 Ford F150$18,28807 Ford Edge SEL$22,48806 Dodge Stratus$7,988$297/mo$373/mo06 Ford Crown Victoria LX$12,98807 Chrysler PT Cruiser$8,988$216/mo$150/mo08 Ford F150 Crew Cab XLT$19,98808 Mercury Gr Marquis LS$16,488$267/mo08 Chrysler Sebring LX$11,988$248/mo02 Dodge D1500 Quad Cab$11,988The reasons behind teen suicideare often complex. Come to LOVETTEPEDIATRICS, 2401 S. FM 51, Suite100, Decatur where highly trainedand caring specialists will evaluateand treat your teen based on his or hermental and physical health condition.Healthy Futures Start Here. Makean appointment by calling (940) 627-8044. We’re open M -Th 8am to 5pmand F 8am to noon. Our friendly staffwill always go the extra mile to makeour patient’s visit most comfortable.SUMMER IS HERE, DON’TFORGET THE SUNBLOCKP.S. The National Suicide Helpline is1-800-SUICIDE.www.lovettepediatrics.com04 Dodge Durango 4x4$11,988SOLD$348/mo$238/mo03 Ford F150 Crew Cab$16,988 Lariat 4x4$281/mo06 Chevrolet HHR$12,48807 Ford Mustang$14,288$164/mo$207/mo$237/mo98 Olds Intrigue$133/mo$4,188$324/mo08 Ford F150 Crew Cab$24,988 LariatSOLD$405/moPAYMENTS BASED ON ZERO DOWN AND EXCLUDE TAX, TITLE AND LICENCE FEES. ‘05 AND OLDER MODELS 60 MONTHS @ 6.98%; ‘06 -’07 MODELS 72 MONTHS @ 5.93% APR. ‘08 - ‘09 MODELS 75 MONTHS @ 6.28% APR.ALL TERMS AND RATES ARE SUBJECT TO LENDER CREDIT APPROVAL BASED ON CREDIT HISTORY. PRICES VALID 8/27/09 TO 9/2/09 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.95 Toyota Camry LESOLD$238/mo$3,488larryslack.comWagonseller Road at US 287Bowie, Texas 76230
ALL AROUND WISE, Decatur, Texas, Thursday, August 27, 2009 9PET TALKCROSSWORD PUZZLEDescribed by their name,pocket pets are small fluffycompanions that could fitright into your pocket. Guineapigs, sugar gliders, hedgehogsand hamsters are all a part ofthe pocket pet family.Pocket pets are an excellentaddition to a home that is lookingfor a first pet, or has verysmall children who might beafraid of dogs or larger traditionalpets. Pocket pets havea shorter lifespan than dogsand cats, require less space,and are usually quiet andfriendly.“Pocket pets are morefragile than traditional petsand are very good at hidingany signs of illness,” said Dr.Christy Rettenmund, internwith the Texas A&M Collegeof Veterinary Medicine and& Biomedical Science. “Anychanges in behavior, appetite,or appearance warrant a visitto your veterinarian.”Owning a pocket pet is alittle different than owning adog or a cat. It is a good idea todo some research before purchasingone of these pets becausethey have specific dietand husbandry needs.“Most injuries to pocketpets involve bite wounds ortrauma from dogs and cats, ortraumatic injuries from ownerswho drop their pets,” saidRettenmund, “so it is importantto keep any pocket petsaway from dogs, cats, ferrets,and snakes in the household.”Pocket pets are very fragilecreatures and require properhandling techniques. For example,they should alwaysbe held over soft surfaces toprevent injury from a potentialfall. Pocket pets requireproper handling techniques.Do research before purchasinga pocket pet, because eachspecies has different specificdiet needs and health concerns.Appropriate diet andhusbandry is essential inmaintaining the heememberthat pocket pets need to beseen by a veterinarian on aregular basis just like traditionalpets.!ABOUT PET TALK…PetTalk is a service of the Collegeof Veterinary Medicine & BiomedicalSciences, Texas A&MUniversity.WANTEDOil, Gas & Mineral Leases in Wise CountyKNK Investments1-800-436-4830817-220-2147 • 608 Hwy 199 E • Springtownwww.knkinvestments.netwisecountycowboychurch.comG.I. JoeMoviesSTARTFriday, Aug. 28Movies & Times Subject To Change!!!Movie Line 940-627-5522Fri ...... ....................................................... .................................. 7:00..........9:30Sat ......................................................2:00 .............4:30 ............. 7:00..........9:30Sun .....................................................2:00 .............4:30 ............. 7:00Mon. - Thur., Aug. 31 - Sept. 3 .....................................................7:00ShortsAcademyShootsafeHunting Season Is Here!We train new shooters of any ageNow scheduling classes for Sept. 14 - 19Rifl e, Shotgun or Pistol • Half day classesNew & Renewal CHL Class Sept. 12Call or email for details and class availability.shootsafe@shootsafe.com817-291-2376 or 817-220-8999The Final DestinationFri ...... ....................................................... .................................. 7:10..........9:30Sat ......................................................2:10 .............4:40 ............. 7:10..........9:30Sun .....................................................2:10 .............4:40 ............. 7:10Mon. - Thur., Aug. 31 - Sept. 3 .....................................................7:10Fri ....... ...................................................... .................................. 7:15Sat ......................................................2:15 .............4:45 ............. 7:15Sun .....................................................2:15 .............4:45Mon. & Tues., Aug. 31 & Sept. 1 Only ............................................7:15The Time Traveler’s WifeFri ..... ........................................................ ....................................................9:30Sat ............................................................ . ................... . ...............................9:30Sun ........................................................... . .................................. 7:15Wed. & Thur., Sept. 2 & 3 Only . ............................................7:15We will be open Labor Day at 1:30 p.m., Monday Sept., 7thComing Labor Day Weekend Julie & Julia & Aliens in The AtticFM 51 South, Decatur • 940-627-5522 • Box Office Opens at 1:30 p.m.$7 Adults ~ $5 Seniors, Children 11 & under & Matinee • www.plazacinema3.comAn Admirable ManIf a man is honest withothers and with himself...If he receives gratefullyand gives quietly.If he is gentleenough to feeland strong enough toshow his feelings...If he is slow to see thefaults of othersbut quick to discovertheir goodness...If he is cheerful indifficult times andmodest in success...If he does his best tobe true to his beliefsThen he is truly anadmirable man.William EugeneBowyer1931-2008A year has come and gone since my patient & friendhas passed. He set a high standard that I aspire to.Wise County Medical Center ~ BridgeportShawn L. White, MDFamily Medicine with ObstetricsPatricia L. Russell, PA-C • Beryl A. Brigham, ACNP940-683-5287
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ALL AROUND WISE, Decatur, Texas, Thursday, August 27, 2009 9PET TALKCROSSWORD PUZZLEDescribed by their name,pocket pets are small fluffycompanions that could fitright into your pocket. Guineapigs, sugar gliders, hedgehogsand hamsters are all a part ofthe pocket pet family.Pocket pets are an excellentaddition to a home that is lookingfor a first pet, or has verysmall children who might beafraid of dogs or larger traditionalpets. Pocket pets havea shorter lifespan than dogsand cats, require less space,and are usually quiet andfriendly.“Pocket pets are morefragile than traditional petsand are very good at hidingany signs of illness,” said Dr.Christy Rettenmund, internwith the Texas A&M Collegeof Veterinary Medicine and& Biomedical Science. “Anychanges in behavior, appetite,or appearance warrant a visitto your veterinarian.”Owning a pocket pet is alittle different than owning adog or a cat. It is a good idea todo some research before purchasingone of these pets becausethey have specific dietand husbandry needs.“Most injuries to pocketpets involve bite wounds ortrauma from dogs and cats, ortraumatic injuries from ownerswho drop their pets,” saidRettenmund, “so it is importantto keep any pocket petsaway from dogs, cats, ferrets,and snakes in the household.”Pocket pets are very fragilecreatures and require properhandling techniques. For example,they should alwaysbe held over soft surfaces toprevent injury from a potentialfall. Pocket pets requireproper handling techniques.Do research before purchasinga pocket pet, because eachspecies has different specificdiet needs and health concerns.Appropriate diet andhusbandry is essential inmaintaining the heememberthat pocket pets need to beseen by a veterinarian on aregular basis just like traditionalpets.!ABOUT PET TALK…PetTalk is a service of the Collegeof Veterinary Medicine & BiomedicalSciences, Texas A&MUniversity.WANTEDOil, Gas & Mineral Leases in <strong>Wise</strong> <strong>County</strong>KNK Investments1-800-436-4830817-220-2147 • 608 Hwy 199 E • Springtownwww.knkinvestments.netwisecountycowboychurch.comG.I. JoeMoviesSTARTFriday, Aug. 28Movies & Times Subject To Change!!!Movie Line 940-627-5522Fri ...... ....................................................... .................................. 7:00..........9:30Sat ......................................................2:00 .............4:30 ............. 7:00..........9:30Sun .....................................................2:00 .............4:30 ............. 7:00Mon. - Thur., Aug. 31 - Sept. 3 .....................................................7:00ShortsAcademyShootsafeHunting Season Is Here!We train new shooters of any ageNow scheduling classes for Sept. 14 - 19Rifl e, Shotgun or Pistol • Half day classesNew & Renewal CHL Class Sept. 12Call or email for details and class availability.shootsafe@shootsafe.com817-291-2376 or 817-220-8999The Final DestinationFri ...... ....................................................... .................................. 7:10..........9:30Sat ......................................................2:10 .............4:40 ............. 7:10..........9:30Sun .....................................................2:10 .............4:40 ............. 7:10Mon. - Thur., Aug. 31 - Sept. 3 .....................................................7:10Fri ....... ...................................................... .................................. 7:15Sat ......................................................2:15 .............4:45 ............. 7:15Sun .....................................................2:15 .............4:45Mon. & Tues., Aug. 31 & Sept. 1 Only ............................................7:15The Time Traveler’s WifeFri ..... ........................................................ ....................................................9:30Sat ............................................................ . ................... . ...............................9:30Sun ........................................................... . .................................. 7:15Wed. & Thur., Sept. 2 & 3 Only . ............................................7:15We will be open Labor Day at 1:30 p.m., Monday Sept., 7thComing Labor Day Weekend Julie & Julia & Aliens in The AtticFM 51 South, Decatur • 940-627-5522 • Box Office Opens at 1:30 p.m.$7 Adults ~ $5 Seniors, Children 11 & under & Matinee • www.plazacinema3.comAn Admirable ManIf a man is honest withothers and with himself...If he receives gratefullyand gives quietly.If he is gentleenough to feeland strong enough toshow his feelings...If he is slow to see thefaults of othersbut quick to discovertheir goodness...If he is cheerful indifficult times andmodest in success...If he does his best tobe true to his beliefsThen he is truly anadmirable man.William EugeneBowyer1931-2008A year has come and gone since my patient & friendhas passed. He set a high standard that I aspire to.<strong>Wise</strong> <strong>County</strong> Medical Center ~ BridgeportShawn L. White, MDFamily Medicine with ObstetricsPatricia L. Russell, PA-C • Beryl A. Brigham, ACNP940-683-5287
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