Page 9 - Hawaii Island MidWeek - Nov 3, 2021

NOVEMBER 3, 2021
HAWAI‘I ISLAND MIDWEEK 9
Experienced agent helps clients navigate Medicare maze
Terry Peacock, a veteran insurance advisor with Mutual of Omaha’s Hawaii Division, has been helping people navigate health care insurance – including the complex Medicare “maze” – for more than 25 years.
After initially working with Kaiser Permanente for 15 years, she now serves as a licensed agent with Mutual of Omaha, the second largest Medicare supplemental plan provider in the nation. She continues to work with those in the community who are eligible for Medicare and are
looking at supplemental plans to make an informed decision about crucial health care needs.
“Medicare is very complex, and many people do not understand all the details and the differences between insurance plans,” says Peacock. “The numerous ads during the Medicare open enrollment period only add to the confusion. As an insurance advisor, my purpose is to ask the right questions and clearly explain clients’ choices based on their individual health care needs and budget.”
Hawaii
Age
Monthly Premium*
Plan G
Plan N
65
$122.70
$93.47
67
$122.70
$93.47
69
$133.43
$99.48
Peacock explains that
Medicare plan choices on
Hawaii island are more limited
and premiums tend to be higher
than on neighbor islands.
A Medicare supplemental
plan presents an affordable
option but is often the least
understood choice. With Medicare
supplemental insurance, benefifit plans among insurance carriers are standardized. For example, “Plan G” with one carrier is identical to “Plan G” with another carrier; however, premium costs may vary widely.
Medicare supplemental plan benefifits include:
• Allowing members to see any doctor in the United States that is
contracted with Medicare
• No referrals are needed to see a specialist
• No surprise charges
• The plans are popular with many who travel for extended periods of time
• Medicare supplemental plans do not include prescription drug coverage,
so it is important to choose a stand-alone plan for those needs.
The open enrollment period to change Medicare Advantage and prescription drug plans runs from October 15 through December 7. Peacock notes that plans change yearly, “so it is important to review your current plan benefits and
premium change
for 2022. If you
are happy where
you are, you do not
need to take any
action; if you want
to compare options
in your area, I’m just
a phone call away at
(808) 427-7132.”
Terry Peacock
Call: (808) 427-7132
Email: terry.peacock@mutualofomaha.com Online: www.terrypeacock.com
Sample rates; female rates (male rates may be higher); non tobacco-user rates (tobacco-user rates may be higher).
5 Cut out two dime-sized circles for the eyes.
Draw in black circles with the marker. Place eyes on the head and tape down. Cut a small triangle from orange cardstock for the beak. Tape below the eyes. Draw a squig- gly shape from red cardstock for the wattle. Tape next to the beak.
7 Cut out two medi- um-sized feathers from
brown cardstock. Place on either side of the body and tape in place for the wings. Refer to the pictured sample and cut out two bird feet from orange cardstock and place at the bottom of the body circle and tape in place.
8 Fill the portion cup with treats. Slip the turkey over the portion cup. Optional: Spot glue the back of the
turkey body to the portion cup.
6
Cut out 11 long leaf-shaped feathers in red, orange and yellow in three different lengths. Place feathers in a fanned-out shape, alternating the colors and sizes. Tape feathers together. Tape all the feathers to the brown circle for the tail. Tape the tail to the portion cup lid.
W H Y ?
Ask your employer if you need to take time off to get your vaccine.
GET VACCINATED ∙ IT’S FREE
It’s in their interest to keep you safe, healthy and able to work.
HawaiiCOVID19.com/vaccine