The Momentum Summer 2021

The Momentum Summer 2021

Sandwich Generation 7 New to Medicare? 21 Medical Alert Awareness 21 Fall Prevention Month 46

In This Edition

JCCOA Senior & Friend of the Senior...........5 Caregiving in US..........................................7 Sandwich Generation Month........................8 Caregiver Support Program.........................9 Face the Facts...........................................13 Hero's Journey..........................................16 LTC Ombudsman.......................................17 Cheer up the Lonely...................................19 Vouchers...................................................20 Mountain Ride...........................................21 Transitioning to Medicare..........................22 Medicare Fraud Day...................................28 Coronavirus Scams....................................34 Contact Tracing Scams..............................35 Timeshare Scams......................................36 Family Caregivers......................................37 In-Home Services......................................38 World Chocolate Day.................................39 Medical Alert Awareness Month................40 National Play Outside Day.........................43 National Grandma Moses Day...................44 Fall Prevention Month...............................46 Nymbl.......................................................47 Facts About CPR.......................................48 Get your Affairs in Order............................49 Transportation Voucher.............................54 Emergency Broadband...............................51 Rental Assistance......................................55 Keep Your Spouse w/Dementia engaged ...58 Caregiver Conference Save the Date..........65 Senior Law Days........................................66 Mind Springs.............................................68 Text 2 Live Healthy....................................70 CARE.........................................................71 PTC...........................................................73 Dementia Caregiver Project.......................75 Dementia and LGBTQ.................................76 WIOA.........................................................77 Legal Clinic................................................78 Alzheimer's Association Support Groups...79 Vail Valley Charitable Fund........................82 Caregiver Connections...............................83 Mobile Food Pantry....................................84 Home Rehab Program................................86 Pitkin County's Virtual Events....................87 Smiles for Seniors.....................................91 Summit County Resources.......................9 2 Regional Resources.................................9 7

July-September 2021 Original content in this edition provided by Leah Rybak, LMR Consulting LLC Content Curated by Ceci Peterson, Vintage Magazine edited by Amanda Rens-Moon, Vintage

INFORMATION | RESOURCES | ADVOCACY

We are The Alpine Region’s Aging Expert

Vintage is the Alpine region’s aging expert—ensuring that all of us have access to the supports, services, and resources we need as we age. We also provide deep content expertise to ensure our communities and providers meet those needs as well. Our services include financial assistance for in-home services, transportation, and dental & vision needs, information & referral, nutrition programs, caregiver supports, Medicare counseling, long term care ombudsman, volunteer opportunities, legal assistance, and educational programs.

YOURVINTAGE.ORG

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SERVICES FOR AGING WELL IN COLORADO Your Connection to Information, Resources, and Advocacy in Eagle, Grand, Jackson, Pitkin, and Summit.

Volunteer Opportunities We have a variety of volunteer opportunities, such as Respite

Dental & Vision Assistance Programs

People-Carry

TOOTH

We have funding for adults 60 and older for dental and vision needs that will keep you healthy and receiving the care you need. Transportation We have trusted transportation options to get you where you need to go when you need to go there. Options include transportation vouchers and other transportation services depending on the area. Health: Nutrition & Balance Vintage offers the following nutrition- related programs such as Home Delivered Meals, Community Based Meals, and Nutrition Education and Counseling. We also provide Evidence-Based Health and Wellness Programs and fall prevention classes. Legal Assistance

Companions, Medicare Counselors, Regional Advisory Council Board members, Long Term Care Ombudsmen, and our RSVP program. Caregiver Support At Vintage, we support you in whatever stage of the aging journey you are on! For caregivers, we offer training and education, financial assistance, and have a volunteer respite program in Summit County to assist where you need it most. Medicare & State Health Insurance Assistance Program (SHIP) We are here to answer your questions or concerns about Medicare, Medicare benefits, or to see if you’re eligible for the Medicare Savings Program. LTC Ombudsman The Long Term Care Ombudsman protects and promotes the Resident Rights of the residents of nursing homes and assisted living facilities in our region.

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We contract with partners who provide legal services to older adults 60+ free of charge to those with the most significant economic or social needs.

Aging Services Focused on YOU Call our Resource Center at (970) 468-0295 if you have any questions or are interested in learning more.

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Jackson County Council on Aging

Recognizes Seniors of the Year

Deb Bassett & Larry Hultman When retirement entails moving to a new community and starting a BBQ business that has fantastic food, people who care about customers, and a servants heart, a formula is created resulting in being honored as the Jackson County Council On Aging, Senior of the Year. All Smoked Up, a BBQ restaurant, opened in October of 2017 to fulfill a dream of Deb Bassett and Larry Hultman. Their dream not only included serving great BBQ to the people of Walden but also serving the community, while striving to honor the Bible verse "Keep on loving one another as brothers and sisters. Do not forget to show hospitality to strangers, for by so doing some people have shown hospitality to angels without knowing it.” Hebrews 13:1-2 Deb and Larry have created a very friendly, hospitable atmosphere in their restaurant; often hosting entertaining fundraising events for the local nonprofits. Their first event helped to raise funds for the JCCOA and the purchase of a new Senior OATS Van. Each year a Non-profit organization is chosen to be recognized. Going above and beyond expectations, in 2019, All Smoked Up donated their catering services for the first Senior Noon meal of the year; as always, it was DELICIOUS! They have also participated in the Covid-19 outreach by cooking meals to be delivered to individual homes and by participating in our new Restaurant Meal Voucher program. All Smoked Up serves award winning BBQ, to a community that was starved for something different. Their approach to serving the community has endeared them to the citizens of Jackson County. Although the Covid restrictions have made it tough to keep their doors open, Deb and Larry have continued to be outstanding. When you come to Walden, you simply must try the BBQ at All Smoked Up. “Google” reviews say it all. Congratulation Deb and Larry, the JCCOA is proud to have you as Jackson County Council on Aging Senior of the Year.

Jackson County Council on Aging

Recognizes their Friend of the Seniors

Suze Kanack

The Jackson County Council On Aging is pleased to have Suze Kanack as our Friend of the Seniors.

Suze was born, raised, and graduated high school in North Park. After graduation she attended UNC and went on to work with Wyoming Public Television off and on for over 25 years, where she made her mark as their on-air Traffic advisor, (This means that she directed the time slots and spots for the programing). When an opportunity opened for Town Clerk of Walden, Suze decided it was time to return home. Because of her love for her Mother, Suze took the job offered at the Walden Town Hall and set out with an attitude to help her hometown become a community of strength. As Town Clerk, Suze learned that there were some issues that needed addressed, and she set out to do just that. One of her High School friends invited Suze to meet with the JCCOA Board to see if there was anything Suze might help with. Suze jumped at the chance to make a difference. Suze focused on the existing Housing Crisis and the need for someplace in Jackson County where our Elderly can be cared for when staying at home is no longer a viable option. Through her efforts Suze became familiar with the process of writing and acquiring grants. “Keep asking; keep showing up at the table; keep being on the radar." Her persistence has helped Suze acquire grants for the JCCOA which has made it possible for the JCCOA to flourish. She continues to research and reach out, approaching anyone willing to listen. Her passion is to get Assisted Living; in the meantime, she continues to submit grant requests. She just recently received a grant from NextFifty. This grant will support a position, for one year, enabling her to be the connector between the JCCOA, the community and other grantors. Suze has a big heart and a booming voice that refuses to be silenced. She is happy to be back “home” with the people she grew up with. We are also happy to have her as a Friend of Seniors.

Sandwich Generation Month Caring Across Generations this Summer

What is the Sandwich Generation?

July is a month of awareness to commemorate and celebrate the dedication, patience and caring of adults who are part of the Sandwich Generation. The sandwich generation accounts for about 47 percent of parents who are caring for a parent 65 or older and are also raising a young child or supporting a grown child at the same time.

Aging and eldercare expert Carol Abaya offers three roles those in the sandwich generation typically fall into:

The Traditional Sandwich Generation — Adults typically in their 40s or early 50s sandwiched between their elderly parents and their typically adult children who both need financial or other assistance. The Club Sandwich Generation — Older adults in their 50 or 60s who are wedged between aging parents, their adult children, and possibly grandchildren. This term can also refer to younger adults in their 30s or 40s who have younger children, elderly parents, and aging grandparents. The Open-Faced Sandwich Generation — Anyone who’s non-professionally involved in elder care, which is an estimated 25% of individuals at some point in their lives. Regardless of which kind of sandwich, or familial scenario these parents are in, it is challenging and the COVID-19 pandemic only increased the stress and financial burden.

Caregiving Tips for the Sandwich Generation

Being a caregiver is a hard job and it can be even harder for those in the sandwich generation. They may experience: Caregiver burnout and feelings of depression. Issues finding the time to be a good spouse, parent, and child simultaneously. Trouble managing work, hobbies, relationships, and time for themselves. Psychological issues as they struggle with being pulled in multiple directions every day. These issues are sometimes unavoidable but, there are some tips that can help ease the stress and encourage self-care. #1: Get all your documents organized Take the time to check your own important documents as well as your loved ones. Things like having a living will, financial and health care power of attorney, and HIPPA authorization organized can ease the stress of an emergency situation. This can also help ensure that clear communication is established and wishes are being met. #2: Be transparent with your workplace As the pandemic continues, there is a chance of burnout at home and in the workplace. Reach out to your manager or HR team to discuss options for additional support, remote work, or any other kind of accommodation that is possible. In some cases, the Americans with Disabilities Act and the Family and Medical Leave Act may offer some protection for your job should you need to take time off for care. #3: Share responsibilities As obvious as this may sound, it is okay to ask for help. It's even encouraged! See if your other family members, neighbors, or friends are willing to do things like pick up an online grocery store order or go on a walk with your loved one once a week. Your community is here for you and wants to see you succeed, so don't be afraid to lean on them. #4: Take care of yourself, first No one can pour from an empty cup, so your self-care is your #1 priority. Try to prioritize sleep, eating healthy, and don't forget to rest once in a while. Your health and happiness are just as important as everyone else's and need to be a priority, even if you are busy. #5: Invest in solutions Add a medical alert system to your home. It's not about the money, it's about the peace of mind of knowing your loved one is safe when you're not around.

YourVintage.org | 970-468-0295 | 249 Warren Ave, PO Box 2308, Silverthorne, CO 80498

Facts About the Sandwich Generation 47% of parents

3 hours is the amount of time sandwich generation parents who are between 18 and 44 spend on caretaking

in their 40s and 50s have a parent age 65 or older and are either raising a young child or financially supporting a grown child (age 18 or older)

1/7 of adults

38% of participants feel that their company should support well-being efforts.

in the sandwich generation are financially assisting both their parents and one or more children.

We are here to help

Vintage offers financial assistance to family caregivers under the National Family Caregiver Support Act.

Call today at 970-468-0295 or at [email protected]

Vintage (formerly known as Alpine Area Agency on Aging) Caregiver Support Program Are you helping a family member or a friend over the age of 60? The Vintage Caregiver Support Program provides funding for caregivers of older adults who need assistance with transportation, personal care, chores, and homemaking services. It also provides information, assistance and resources for caregivers. Who is Eligible? If the person for whom you provide care is 60+ and lives in Eagle, Grand, Jackson, Pitkin or Summit county, you may qualify.

Contact Ceci Peterson for more information [email protected] 970-531-4087

Face the Facts: Topics to Discuss Now with Your Aging Parents

F I NANCIAL ORGANIZATION There are many financial resources that your loved one might already be receiving or be eligible for. Social Security is the federal program that provides retirees a regular income based on work history, and benefits to disabled workers. Long-time workers usually have pensions that are retirement compensation plans either fully managed by the employer, or involve employee contributions, such as Tax- Deferred Annuities (TDAs) or Individual Retirement Accounts (IRAs). Some people have “lost” a pension they earned, while others forget about a retirement account set up many years prior. Low-income and disabled individuals age 65 or older could also be eligible for monthly cash benefits through Supplemental Security Income (SSI). members may not understand how their parents’ estate planning could impact their own financial status as well as that of their children . Ask... • Are there house repairs or modifications needed that will help you, such as installing bathtub railings, an emergency response system, or other assistive devices? • Do you need assistance with housekeeping, shopping or personal care activities? • If you become homebound, would you need home-delivered meals? • Do you need transportation? What services are available in your community?

As we age and live longer, financial, legal, health care and long term care issues affect families, not just individuals. The Eldercare Locator produced this guide to help families “face the facts” about these important topics to discuss with aging parents. The overview below addresses some key areas of concern, suggested questions to ask, and ways in which families might initiate conversations about these often difficult to discuss topics with their aging parents. KEY CONSIDERATIONS 1. Find out what financial benefits are provided by your parents’ Social Security and pension. Determine if they are eligible for other financial programs. 2. Ensure that each family member has a living will. Know where all your parents’ insurance policies, wills, trust documents, tax returns, investment and banking records are located. 3. Investigate what type of long term care insurance coverage may be best for your parents or for yourself! Generally, premiums are lower when policies are purchased at younger ages. 4. Identify what community services are available that can help your parents maintain independence in the home for as long as possible. Learn whether housing options are available to meet their changing needs. 5. Family members may not understand how their parents’ estate planning could impact their own financial status as well as that of their children .

insurance) might be necessary to cover additional health costs. Medicaid, on the other hand, is the federal and state insurance program that helps pay the health care costs of low- income individuals of any age. Long-term care insurance is available through the private market to assist individuals to cover the cost of long-term care services such as home health and nursing home care. ASK... • As your health status changes, are you prepared to meet your long term health care needs? • Do you have proper health insurance coverage (not too much or too little)? • Are you comfortably able to pay for prescription drugs and other out-of pocket health care costs? • Who are your doctors and how can they be contacted? • Where do you keep your insurance card, COMMUNITY SERVICES One of the most useful forms of help that adult children can provide for their parents is information about community resources that are available to enhance their independence. Services like home modification are available to help reduce the risk of accidents and make daily household activities more comfortable to perform. There are many community resources to help older persons by providing information or a needed service. Find out about these and other services available through your state, area agencies on aging, and local aging services providers by contacting the Eldercare Locator at 1-800- 677-1116 or http://www.eldercare.gov. Medicare information, and other important health care documents?

LEGAL PREPARATION Wills and power of attorney may not be topics your relatives want to discuss; however, these issues need to be addressed before it’s too late to make sure that their assets are properly taken care of and that their medical treatment preferences are known. A will directs how a person wants property to be distributed after death and appoints a trusted person to be the executor; and a durable power of attorney provides written authorization for a person you name to act on your behalf for whatever financial or health care purpose you spell out. An advance directive is a legal document that provides directions for your health care if you are unable to speak for yourself. ASK... • Do you have a will? • Have you executed a durable power of attorney or considered who you might want to handle your finances or health care decisions in the event that you are unable to so ? • Are important legal documents up to date and where are they kept? • What other legal matters are you concerned about? HEALTH INSURANCE Health care is a high-cost necessity, so it is crucial to know what is available to meet your family member’s needs, and what they are eligible to receive. Most adults over age 65 are covered by Medicare, the federal health insurance program that helps pay medical expenses for older Americans and younger people with disabilities. However, Medicare does not cover all needs, such as long term care including nursing homes or extended care, and Supplemental Insurance (also called Medigap

accuse their children of trying to take control of their life, seek to make them the expert by asking for their advice about a particular issue — for example, “what type of long term care plan should I look into,” or “can you recommend someone to help me prepare my will.” This strategy is non- threatening and could lead to them sharing personal details, or at least letting you know where they stand on the subject.

ASK... • Are there house repairs or modifications needed that will help you, such as installing bathtub railings, an emergency response system, or other assistive devices? • Do you need assistance with housekeeping, shopping or personal care activities? • If you become homebound, would you need home-delivered meals? • Do you need transportation? What services are available in your community? argumentative when discussing these topics with your elderly loved ones and have some knowledge about the topics you’re talking about. Below are some approaches you can take, depending on the personality of the care recipient: CONVERSATION APPROACHES Prepare to be open, honest and not • Direct: If the care recipient is a ‘no- nonsense, get-to-the-point’ personality, openly express your concerns and ask questions for information you need to address specific situations that might arise. • Educational: For the relative who might need a delicate push, you might begin by sharing an experience of another caregiver you know about their own personal situation, and explain how it made you realize the importance of discussing issues now that will help you be of better assistance to them in the future. • Expert: For the relative who refuses to talk about personal issues or tends to

RESOURCES Eldercare Locator http://www.eldercare.gov 1-800-677-1116 Social Security Administration http://www.ssa.gov 1-800-772-1213 Medicar e http://www.medicare.gov 1-800-Medicare National Clearinghouse for Long-Term Care Information http://www.longtermcare.gov American Bar Association - Commission on Law and Aging http://www.americanbar.org/groups/law_a ging.html Pension Rights Center http://www.pensionrights.org/ For more information about ACL U.S. Department of Health and Human Services, Administration for Community Living, Washington DC 20201 Phone: (202) 619 – 0724 Fax: (202) 357 – 3555 Email: [email protected] Web: http://www.aoa.gov

Hero’s Journey® of the Caregiver

“There are only four kinds of people in the world: those who have been caregivers, those who are currently caregivers, those who will be caregivers, and those who will need caregiving.” – Rosalynn Carter

Do you consider yourself a hero in your journey as a caregiver? In the stories about epic journeys, a hero is an ordinary person who discovers hidden inner strength through facing multiple challenges along the way. Caregivers aren’t often the subject of such stories, but we confront our own unique challenges on our journeys, and hopefully, we realize that we’re heroes, too.

To help us along the way, Vintage has been offering a 4-week class Hero’s Journey of the Caregiver which has provided insight, inspiration and renewal to caregiver participants.

Based on the work of Joseph Campbell, mythological researcher and author, the class uses a multi-media approach (video, art, poetry, self-reflection and discussion) to help participants examine their own experiences of being the heroes in their own lives as caregivers. Caregivers are invited to venture through the stages of the journey and explore what is expected and how to proceed. The class is facilitated by JoAnn Dorio Burton, who was a caregiver for her mother for over 10 years. JoAnn dedicates her Hero’s Journey® work to her mother who died in 2019 at age 100.

JoAnn is an author, educator, trainer and consultant. You can visit her website at www.herosjourneyworkshops.com. She works part-time at Windhorse Community Services in Boulder, a contemplative-based mental health agency serving adults.

Her Hero’s Journey® work has been endorsed by the Joseph Campbell Foundation. The Hero’s Journey® of the Caregiver workbook is available on Amazon.

The Hero’s Journey® and any copyrighted material authored by Joseph Campbell are used under license from the Joseph Campbell Foundation, (www.jcf.org).

Questions? Ceci Peterson 970-531-4087 [email protected]

Long-Term Care Ombudsman Program

by the Administration on Aging (AoA). Local ombudsmen work with and on behalf of residents in hundreds of communities throughout the country. RESULTS In federal fiscal year 2012, over 11,000 volunteers, 8,712 of whom were certified to investigate complaints, and 1,180 staff served in Long-Term Care Ombudsman Programs in 573 localities nationwide. Ombudsmen investigated and worked to resolve 193,650 complaints made by 126,398 individuals. In addition, ombudsmen provided information on rights, care and related services 405,589 times. RESIDENTS’ RIGHTS Ombudsmen help residents and their families and friends understand and exercise rights guaranteed by law, both at the Federal level for nursing homes and for States that provide rights and protections in board and care, assisted living and similar homes. Residents have the right to : • Be treated with respect and dignity • Be free from chemical and physical restraints • Manage their own finances • Voice grievances without fear of retaliation • Associate and communicate privately with any person of their choice • Send and receive personal mail • Have personal and medical records kept

WHAT IS THE LONG-TERM CARE OMBUDSMAN PROGRAM?

Long-term care ombudsmen are advocates for residents of nursing homes, board and care homes, assisted living facilities, and similar adult care facilities. They work to resolve problems of individual residents and to bring about changes at the local, state, and national levels to improve care. While many residents receive good care in long-term care facilities, others are neglected, and other unfortunate incidents of psychological, physical, and other kinds of abuse do occur. Thus, thousands of trained staff and volunteer ombudsmen regularly visit long-term care facilities, monitor conditions and care and provide a voice for those unable to speak for themselves. The Swedish word “ombudsman” means “a public official appointed to investigate citizens’ complaints against local or national government agencies that may be infringing on the rights of individuals.” This concept has been applied in many U.S. settings to include complaints against non-governmental organizations and advocacy for individuals and groups of individuals, as with the Long- Term Care Ombudsman Program. HISTORY Begun in 1972 as a demonstration program, today the Long-Term Care Ombudsman Program is established in all States under the Older Americans Act which is administered

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confidential • Apply for State and Federal assistance without discrimination • Be fully informed prior to admission of their rights, services available, and all charges • Be given advance notice of transfer or discharge OMBUDSMAN RESPONSIBILITIES Ombudsman responsibilities outlined in Title VII of the Older Americans Act include: • Identify, investigate, and resolve complaints made by or on behalf of residents • Provide information to residents about long-term care services • Represent the interests of residents before governmental agencies • Seek administrative, legal, and other remedies to protect residents • Analyze, comment on, and recommend changes in laws and regulations pertaining to the health, safety, welfare, and rights of residents • Educate and inform consumers and the general public regarding issues and concerns related to long-term care and facilitate public comment on laws, regulations, policies, and actions • Promote the development of citizen organizations to participate in the program • Provide technical support for the

• Advocate for changes to improve residents’ quality of life and care

RESOURCES The National Long-Term Care Ombudsman Resource Center supported with AoA funding and operated by the National Consumer Voice for Quality Long-Term Care, provides technical assistance and intensive training to assist ombudsmen in their demanding work. To contact a long-term care ombudsman, visit You can also call Eldercare Locator at 1-800- 677-1116 (http://www.eldercare.gov) and ask for the local ombudsman program or the Area Agency on Aging nearest the nursing home or similar adult care facility where the resident lives. The area agency will either be the sponsor of the ombudsman program or know where the program is located. The Medicare Guide to Choosing a Nursing Home booklet is available free from the Centers for Medicaid and Medicare Services (CMS). Call 1-800-Medicare (1-800-633- 4227) and ask for publication #02174, or view it on the Web at: http://www.medicare.gov/NHCompare. To contact your local Long Term Care Ombudsman contact Tina Strang at 970-531-2980 or [email protected] the resource center’s Web site at http://www.ltcombudsman.org.

development of resident and family councils to protect the well-being and rights of residents

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National Cheer Up the Lonely Day

Most of us have felt lonely at one point or another in our lives. Loneliness is defined as "sadness because one has no friends or company" but can occur even when we have people in our lives. The gift of companionship is often a balm for a lonely soul, and giving that gift can be as simple as inviting a friend who seems to be struggling on a walk or saying hi to someone at the grocery store.

Here are 4 ways to embrace your friends and neighbors this month:

DID YOU KNOW? About 36% of Americans reported feeling “serious loneliness” in the wake of the pandemic, according to Loneliness in America, a recent report by Harvard University.

Make or Send a Card

Reach out to someone you haven't seen for a long time by sending them a heartfelt card-- we even found cookie cards you can mail!

Stop by for a Visit

Just stop by to say hi and have a chat! And if you are far away, connect via Zoom, or Facebook. Even a phone call can mean a lot.

Be extra Kind

Studies show kindness is the cure for loneliness and being kind can inspire kindness. Open the door for someone or compliment a stranger, to show your kindness today.

Give a 20 second Hug

Studies show that 20 seconds of a hug exhibit a decrease in the stress hormone cortisol. So squeeze a loved one today!

Voucher Programs

DENTAL VOUCHERS 60 and older $500 for your dental needs at your dentist of choice

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VISION VOUCHERS 60 and older $150 for vision needs at your eye doctor of choice Additional funding available for vision impairment/blindness

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IN-HOME SERVICE VOUCHER ( Homemaker, Chore, Personal Care) 60 and older Difficulty shopping, cooking, performing chores, bathing etc. $1000 for your provider of choice

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TRANSPORTATION VOUCHER 60 and older

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$500 mileage reimbursement for medical appointments or social trips

Dental and Vision Vouchers Amanda Rens-Moon 970-315-1325 [email protected]

In-Home & Transportation Vouchers Ceci Peterson 970-531-4087 [email protected]

The Return of Mountain Ride

Mountain Ride, the Non-Medical Emergent Transportation (NEMT) broker for our region shuttered last July, but it’s getting a second chance as an online transportation resource in its new iteration. As of May 2021, Mountain Ride serves as the transportation resource website for the counties of Summit, Eagle, Grand, Jackson, Pitkin, Garfield, Park and Routt. The Northwest Colorado Council of Governments and the Northwest Colorado Regional Transportation Coordinating Council (RTCC) recognizes the ongoing need for transportation solutions in Northwest Colorado and we believe having all of the region’s transportation options in one simple, easy to use online hub is a step in that direction. Check it out for yourself at www.mtnride.org and you’ll find a listing of each represented county, the type of transportation, and the contact information for each provider in that county, as well as helpful tools such as links to the transportation providers that service intercounty rides (like Bustang). We have included a Mountain Ride news tab and CDOT Twitter feed to keep you updated as well. Mountain Ride news features a monthly updated list of what’s going on in your area, upcoming changes to service for providers, and general happenings with transportation around your state. We invite you to check out our new website at https://mtnride.org/ for transportation information in and around our rural region.

YOUR TRANSITION FROM MEDICAID MEDICARE Do I have to take Medicare if I have Medicaid? Transitioning from Medicaid to Medicare Q: YES!

WHAT IS THE DIFFERENCE BETWEEN MEDICAID AND MEDICARE? Medicare

Medicaid Provides medical coverage for people with low incomes or with disabilities. *In Colorado, Medicaid is called Health First Colorado: Colorado's Medicaid Program.

Provides medical coverage for people 65 and over or with qualifying disabilities.

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ELIGIBILITY AND ENROLLMENT FOR MEDICARE

Enroll in Medicare by visiting or calling your local Social Security office. The time to enroll is anytime 3 months before to 3 months after your 65th Birthday. *There are penalties if you choose not to enroll in Medicare when you turn 65. • Spouses that “hitchhike” on other spouse’s work record • Disabled Adults/Children - receiving Social Security disability benefits for 24 months • Individuals with ESRD - with kidney transplant or regular dialysis for at least 3 months • Individuals with ALS - diagnosed at least 6 months • People 65 or over or under 65 with certain disabilities • US Citizens and people lawfully admitted for permanent residence Residing in the US for 5 consecutive years or have 40 Medicare Credits

There is assistance with your health insurance costs available to you if you qualify. Your county Human Services office can help you enroll in a Medicare Savings Program (MSP). Look for redetermination paperwork from Medicaid, this will arrive in the mail several months before you become eligible for Medicare. If you do not receive this paperwork, contact your local Human Services office to get a copy of it. 2. DISCUSS YOUR FUTURE MEDICAID BENEFITS WITH YOUR LOCAL COUNTY HUMAN SERVICES

3. LEARN MORE ABOUT YOUR MEDICARE SAVINGS PROGRAM (MSP) OPTIONS

Qualified Medicare Beneficiary (QMB) : Pays your Medicare Part A and/or Part B premium, deductibles and coinsurance or copays. Specified Low-Income Medicare Beneficiary (SLMB) and Qualifying Individual (QI-1) programs pay your Part B premium but not your deductibles and coinsurance or copays. A Medicare Savings Program (MSP) is an income and asset based program that helps you cover costs related to Medicare. There are different levels or Medicare Savings coverage based on your income and assets: 4. UNDERSTAND THE KEY CHANGES THAT MAY OCCUR WITH YOUR MEDICAID ELIGIBILITY After turning 65, Medicare Savings Programs have different income limits than the type of Medicaid you may have been on. Your income may affect your eligibility and coverage levels. Medicaid may not have taken into account your assets or resources in the past but, the Medicare Savings Programs does have asset or resource limits. *If you are in the Working Adults with Disabilities (WAwD) Medicaid Buy-In program you may remain in the WAwD until you are 65. If you are in WAwD, you will be responsible for your Medicaid Buy-In premium. WAwD will help pay your monthly Medicare Part B premium, deductibles, and copays/coinsurance.

Serving Eagle, Grand, Jackson, Pitkin & Summit Counties

5.

WHAT TYPE OF MEDICARE WOULD YOU LIKE TO RECEIVE?

There are a few different options with your Medicare coverage, supplemental plans, and cost choices. Speak with a State Health Insurance Assistance Program (SHIP) counselor to help you understand your options. We have local counselors in your area in Summit, Eagle, Pitkin, Jackson and Grand Counties 970-315-1328. Or reach out to the Colorado State SHIP 888-696-7213.

6.

ENROLL IN A MEDICARE PART D PRESCRIPTION DRUG COVERAGE PLAN

It is important to enroll in a Drug plan! If you do not enroll into a Medicare Part D stand-alone drug plan, or Medicare Advantage plan that includes Part D drug coverage, your medications will not be covered at the pharmacy . Once you are eligible for Medicare Part D Prescription Drug Coverage, Medicaid will stop paying for your prescriptions at the pharmacy. There is assistance with drug coverage available if you qualify for Medicaid, Medicare Savings Program (MSP), or Extra Help (Low-Income Subsidy for Medicare Prescription Drug Coverage). To qualify for these call or visit your local Human Services Office. *For dual eligible Medicare and Medicaid beneficiaries, Medicare pays first and Medicaid always pays 2nd or last.

5.

For more information reach out to your Local SHIP 970-315-1328. Serving Eagle, Grand, Jackson, Pitkin & Summit Counties.

Understanding Your Medicare Coverage

Part A

Medicare Part A is premium-free for those who have worked for a total of 10 years or more. Sometimes people receive this benefit based on a parent's or spouse's work history. If you have a Qualified Medicare Beneficiary (QMB) Medicare Savings Program you will receive assistance paying your Part A premium, copays or coinsurance. However, if you have Specified Low-Income Medicare Beneficiary (SLMB) or Qualifying Individual (QI-1) you are responsible for paying Medicare's copays and coinsurance. Qualified Medicare Beneficiary (QMB) Specified Low-Income Medicare Beneficiary (SLMB) Qualifying Individual (QI-1). Medicare Part B has a monthly premium. Your Part B premium will be covered at no cost to you if you qualify for a Medicare Savings Program If you have Qualified Medicare Beneficiary (QMB) you will receive assistance paying your Part B copays or coinsurance. However, if you have Specified Low-Income Medicare Beneficiary (SLMB) or Qualifying Individual (QI-1) you will be responsible for paying Medicare's copays and coinsurance. Medicare Part D is provided through a private insurance company. You will use Part D for your prescriptions at the pharmacy. If you qualify for Medicaid or a Medicare Savings Program, then you will receive Extra Help (Low-Income Subsidy for Medicare Prescription Drug Coverage). Extra Help provides financial assistance including the option of enrolling into a $0 premium, $0 deductible Part D Plan. Extra Help is provided by the Social Security Administration, and helps you pay lower copays at the pharmacy. You must enroll in a Medicare Part D plan to receive coverage for your prescriptions.

Part B

Part D

For more questions feel free to call your local Medicare State Health Insurance Office (SHIP) serving Summit, Eagle, Grande, Pitkin and Jackson county 970-315-1328

YOUR CONNECTION TOINFORMATION, RESOURCES, ADVOCACY YOURVINTAGE.ORG

MyMedicare.gov MyMedicare.gov is a free, secure online service that’s available to help you access your personal Medicare-related information 24 hours a day, every day. You don’t have to wait for your “Medicare Summary Notice” to view your Medicare claims. You can visit MyMedicare.gov to track your Medicare claims or sign up for electronic “Medicare Summary Notices” (eMSNs).

1-800-MEDICARE You may also get information about your Original Medicare claims that have been processed in the past 12 months through Medicare’s automated phone system. You don’t need to speak to a customer service representative. Just call 1‑800‑MEDICARE (1-800-633-4227) and provide a few key pieces of information. TTY users can call 1-877-486-2048. It’s also helpful to understand

what Medicare pays for. You can find this information in your “Medicare & You” handbook. If you don’t have a copy, visit Medicare.gov/medicare-and-you or call 1-800-MEDICARE. Note: If you think a charge is incorrect and you know the provider, you can call his or her office to ask about the charge. Your provider or his or her staff may give you information that helps you better understand the services or supplies you got. Or, they may find an error that needs to be corrected. Correcting a billing error benefits both you and Medicare.

Look for other types of Medicare fraud Be suspicious of doctors, health care providers, or suppliers that tell you: ■ The equipment or service is free, it won’t cost you anything, and they only need your Medicare Number for their records ■ Medicare wants you to have the item or service ■ They know how to get Medicare to pay for the item or service ■ The more tests they provide, the cheaper the tests become Be suspicious of doctors, suppliers, or facilities that: ■ Don’t charge copayments without checking on your ability to pay ■ Advertise “free” consultations to people with Medicare ■ Bill Medicare for services, supplies, or equipment you didn’t get ■ Put the wrong diagnosis on the claim so Medicare will pay ■ Bill Medicare for tests you got as a hospital inpatient or within 72 hours of your admission or discharge ■ Claim they represent Medicare or a branch of the federal government ■ Use pressure or scare tactics to sell you high-priced medical services or diagnostic tests or threaten to withhold services ■ Offer you money or kickbacks to use their services, join their plan, or let them use your Medicare Number ■ Use phone calls and door-to-door selling as marketing tools ■ Offer non-medical transportation or housekeeping as Medicare approved services ■ Bill home health services for patients who aren’t confined to their home, or for Medicare patients who still drive a car ■ Ask you to contact your doctor and ask for a service, supply, or equipment that you don’t need ■ Bill Medicare for a back-brace or other orthotics, power wheelchair or scooter, or genetic tests when you don’t need one or don’t meet Medicare coverage rules

Report errors and concerns If you suspect Medicare fraud, do any of these: ■ Call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. ■ Call the fraud hotline of the Department of Health and Human Services Office of the Inspector General at 1‑800‑HHS‑TIPS (1‑800‑447‑8477). TTY users can call 1‑800‑377‑4950. ■ Visit forms.oig.hhs.gov to file a report online. Before you file a report, carefully review the facts, and have this information ready: ■ Your name and Medicare Number (as listed on your red, white, and blue Medicare card) ■ The name of the doctor, supplier, or facility that you think committed fraud. If possible, also include any identifying number you might have, like a provider or supplier number. If the fraud is related to a specific claim, you should have this information ready: ■ The service or item you’re questioning ■ The date the service or item was supposedly given or delivered ■ The payment amount approved and paid by Medicare ■ The date on your “Medicare Summary Notice” ■ The reason you think Medicare shouldn’t have paid ■ Any other information you have showing why Medicare shouldn’t have paid for a service or item If the fraud isn’t related to a specific claim, you should have this information ready: ■ A description of the fraudulent activity ■ The place, date, and time the incident happened ■ Any other information or evidence you have showing why you think the incident is fraud

■ Talk to you about their plan in areas where you get health care, like an exam room, hospital patient room, or a pharmacy counter. ■ Market their plans or enroll you during an educational event, like a health fair or conference. ■ If plans use independent agents and brokers to sell their plans, they must be licensed by the state, and the plan must tell the state which agents are selling their plans. ■ Offer an unapproved Medicare plan. ■ Use false information to mislead you into joining a Medicare plan. Report plans that don’t follow the rules If you think a plan isn’t following these rules, you can: ■ Call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1‑877‑486‑2048. ■ Contact your State Health Insurance Assistance Program (SHIP). To get the phone number for your state, visit shiptacenter.org, or call 1-800-MEDICARE. You can also call 1-800-MEDICARE if: ■ You think you were enrolled in a Medicare plan without your consent. ■ You believe a Medicare plan or an insurance agent representing a Medicare plan misled you. ■ You think a Medicare plan may be breaking the rules. If you’re in a Medicare Prescription Drug Plan or a Medicare Advantage Plan and you suspect fraud, call our Medicare Drug Integrity Contractor (MEDIC) at 1‑877‑7SAFERX (1-877-772-3379).

It’s important that you read and understand documents before you sign them. Review any information you get from a Medicare plan carefully before you join, and ask a friend or family member to explain anything that you don’t understand. If you still need help, call the plan or 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Know the rules Medicare plans must follow when they try to get you to join a plan Medicare plans aren’t allowed to: ■ Ask for your Social Security Number, bank account number, or credit card information over the phone. (However, if you applied for Extra Help paying for Medicare prescription drug coverage, someone from the plan may contact you if any information is missing from your application.) ■ Come to your home uninvited to sell or endorse any Medicare related product. ■ Offer you cash to join their plan or give you free meals while marketing to you. ■ Enroll you in a drug plan over the phone unless you call them. ■ Steer you into a particular plan. ■ Communicate incorrect information about their plan type or use inappropriate statements like their plan is “the best” or “highest ranked.” ■ Ask you for payment over the phone, internet, or in person. The plan must send you a bill. ■ Call you unless you’re already a member of the plan. If you’re a member, the agent who helped you join can call you. ■ Sell you a non-health related product, like an annuity or life insurance policy, while trying to sell you a Medicare health or drug plan. ■ Make an appointment to tell you about their plan unless you agree in writing or through a recorded phone discussion to learn more about the products being discussed. During the appointment, they can only try to sell you the products you agreed to hear about.

Coronavirus Scams KEEP CALM and Avoid

Here are 5 things you can do to avoid a Coronavirus scam:

Ignore offers for vaccinations and home test kits. Scammers are selling products to treat or prevent COVID-19 without proof that they work.

Hang up on robocalls. Scammers use illegal sales call to get your money and your personal information.

Watch out for phishing emails and text messages. Don’t click on links in emails or texts you didn’t expect.

Research before you donate. Don’t let anyone rush you into making a donation. Get tips on donating wisely at ftc.gov/charity .

Stay in the know. Go to ftc.gov/coronavirus/scams for the latest information on scams. Sign up to get FTC’s alerts at ftc.gov/subscribe .

If you see a scam, report it to ftc.gov/complaint

Federal Trade Commission

Contact tracing call? 5 things to know

A contact tracer from your state health department might call if you’ve been exposed to COVID-19. But scammers are pretending to be contact tracers, too. Here’s how you can spot the scam.

Real contact tracers won’t ask you for money. Only scammers insist on payment by gift card, money transfer, or cryptocurrency.

Contact tracing doesn’t require your bank account or credit card number. Never share account information with anybody who contacts you asking for it. Legitimate contact tracers will never ask for your Social Security number. Never give any part of your Social Security number to anyone who contacts you.

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Your immigration status doesn’t matter for contact tracing, so real tracers won’t ask. If they do, you can bet it’s a scam.

Do not click on a link in a text or email. Doing so can download malware onto your device. ! Talking to a real contact tracer helps stop the spread of COVID-19. Reporting scammers helps stop them, too. Report fake contact tracers to your state and at ftc.gov/complaint .

For more information about contact tracing visit your state health department’s website and ftc.gov/coronavirus/scams

Timeshare Scams

The Colorado Division of Real Estate and AARP ElderWatch receive many complaints about timeshare-related scams. Often timeshare owners are called, mailed or emailed from an unlicensed business entity purporting to be a property management company, real estate brokerage or title and escrow company that lists and sells timeshares. Follow these tips to avoid timeshare resale scams:  Research the timeshare reseller first. Contact the Division of Real Estate, Attorney General’s Office and BBB in the state the reseller is located and verify the real estate broker and title company are licensed.  Contact your timeshare directly to see if they have any information on the reseller. They may have a legitimate buy-back or resale program.  Don’t send money up -front for fees, or out of the country. Remember, with legitimate timeshare sales, fees come out of the closing costs.  Be suspicious of requests that payment is only accepted in cash, wire transfer, money order or a certified check.  Never provide financial account information over the phone.  Don’t deal with an entity that does not have an actual physical office. Many scammers set up fake address locations, as well as using “virtual” office phone bank suites.  Be especially skeptical if the reseller offers you more money than the timeshare is actually worth, gives you guarantees or promises that they can get your timesh are sold, or “money - back” guarantees if the deal falls through.  For more information, go to: https://dre.colorado.gov/timeshare-scams

Recognize, Refuse, Report!

Call us Monday – Friday, 9 a.m. – 4 p.m.

800-222-4444 Option 2

800-222-4444 Denver Metro Area 303-222-4444 www.aarpelderwatch.org