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County News

Lisa Zielinski- Bay County Farm Bureau Administrative Manager

Medicare made easy

You’re turning 65 in a few months. Your mailbox starts filling up with advertisements about Medicare supplements, Medicare drug coverage, and Medicare Advantage plans. Your phone is suddenly ringing off the hook with solicitors who want to sell you new health insurance products. You haven’t entered the Twilight Zone … you’re just becoming eligible for Medicare.

But what is Medicare, you may ask. How do I get it? What does it cover? And do I need additional coverage to go with it? All valid questions.

What is Medicare?
Medicare is a federal health insurance program primarily for people age 65 and older, but it also covers people under the age of 65 with certain medical disabilities or diseases.

You’re automatically eligible for Medicare at age 65 if:
You are a U.S. citizen or a permanent legal resident who has lived in the United States for at least five years; and
        You or your spouse has worked long enough to be eligible for Social Security benefits – usually having earned 40 credits from about 10 years of work – even if you are not yet receiving these benefits.

How do I enroll in Medicare?
If you’re already drawing your Social Security benefits, you’ll automatically get Medicare Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.) Medicare Part A is hospital insurance (facility charges) and Part B is medical insurance (covers the people who provide your care).

You’ll receive your Medicare ID card in the mail three months prior to your 65th birthday. If you do nothing, you’ll keep Part B and will have to pay Part B premiums. You can choose not to keep Part B, but if you decide you want Part B later, you may have to wait to enroll and pay a penalty for as long as you have Part B.

If you aren’t getting benefits from Social Security at least four months before you turn 65, it’s your responsibility to sign up for Medicare Part A and/or B by contacting Social Security. You have seven months to enroll in Medicare, starting 3 months prior to your 65th birthday month and ending 3 months after your birthday month. But it’s best to sign up well before your birthday month to avoid delays in coverage.

To enroll in Medicare:
        Apply online at https://SSA.gov/benefits/medicare
        Visit your local Social Security office, or
        Call Social Security at 1-800-772-1213.

Should I get Part B?
If you or your spouse is still working and you have health coverage through that employer or union, contact your employer or union benefits administrator to find out how your coverage works with Medicare. As a general rule of thumb, if the employer group health plan covers 20 or more employees, you may be able to delay taking Part B – with no penalty – until the employee retires. The employer group health plan will remain your primary insurance and Medicare Part A will be your secondary insurance. If the employer group health plan covers less than 20 employees, you’ll probably need to take Part B when you’re first eligible for it to avoid lapses in coverage and late enrollment penalties. In this case, Medicare will be your primary insurance, and the employer group health plan will be your secondary insurance.

What does Medicare cover?
Medicare Part A
Medicare Part A is hospital insurance that helps covers the facility charges when you are in a hospital or skilled nursing facility, as well as covers most of the cost for hospice care and home health care. As long as you or your spouse has worked and paid Medicare taxes for at least 40 quarters, you won’t pay a premium for Part A.

If you’re admitted to a hospital or skilled nursing facility, you’ll be responsible for paying a deductible of $1,408 for each hospital benefit period in 2020. Generally, a hospital benefit period starts the day you are admitted to the hospital and ends after you’ve been out of the hospital for 60 continuous days. Once you’ve paid your Part A deductible, you pay $0 for days 1-60 of a hospital benefit period. However, if you’re in the hospital for an extended period of time, you would pay $352 per day for days 61-90. For days 91 and beyond, you would pay $704 per each “lifetime reserve day” you use to extend a hospital benefit period. You are allotted 60 lifetime reserve days over your lifetime. After your lifetime reserve days are used up, you would pay all costs for days 91 and beyond of an extended hospital stay.

Please note: These deductible and copay amounts may be adjusted each year.

Medicare Part B
Medicare Part B is medical insurance that helps pay for the people (doctors and nurses) who provide your care, diagnostic tests, ambulance, outpatient services, preventive services, and more. The standard Part B premium amount is $144.60 per month (or higher, depending on your income).

You’ll pay an annual Part B deductible of $198 in 2020. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you’re a hospital inpatient), outpatient therapy, and durable medical equipment.

Do I need additional coverage to go with Medicare?
Medicare doesn’t cover everything. For example, Medicare Parts A and B don’t cover most prescription drugs, dental care, routine vision care and eyeglasses, hearing aids, or long-term care in a nursing home. And Medicare’s deductibles and copays can add up rather quickly if you need surgery or have a medical emergency. So most people choose to add other coverage to their Medicare Part A and Part B benefits.

You have two paths to choose from when adding onto your Medicare benefits. You choose to add Medicare Part D prescription drug coverage and a Medicare Supplemental insurance policy, or you can choose a Medicare Part C (Medicare Advantage) plan.

Medicare Part D
Medicare Part D is prescription drug coverage that you can purchase from a private insurance company that contracts with Medicare. You can buy Part D as a stand-alone prescription drug plan or as part of a Medicare Part C (Medicare Advantage) health plan. Part D monthly premiums vary by plan.

        If your income is above a certain limit, you’ll pay an income-related monthly adjustment amount in addition to your plan premium.
        If your income is below a certain amount, you may qualify for the Extra Help program that helps pay your Part D premiums and lowers your drug copays.

If you don’t enroll in Medicare Part D when you are first eligible, and you don’t have other prescription drug coverage, you may pay a late enrollment penalty when you do enroll in Part D.

You get an initial enrollment period to join a Medicare Part D plan that is seven months long and begins three months prior to your 65th birthday month. You also get an Annual Enrollment Period from October 15 – December 7 each year when you can switch plans for the upcoming calendar year.

Medicare Supplemental Insurance (Medigap)
Medicare Supplemental insurance, also known as Medigap, can be purchased from private insurance companies to help fill the “gaps” in Medicare. There are 10 standard Medigap plans. Medigap plans named with the same letter have identical benefits regardless which company offers it. Medigap plans help pay some or all of Medicare’s deductibles and copays for you, as well as extending your hospital coverage by an additional 365 days.

You get one Medigap Open Enrollment Period in your lifetime. This enrollment period starts on the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B and lasts for 6 months. During your Medigap Open Enrollment Period, you can join any Medigap plan available in your area with no health questions asked. After your Medigap Open Enrollment Period expires, you can still apply for a Medigap plan at any time, but the insurance company is not obligated to accept you, and if they do, they can charge you a higher premium based on your health status.

Medicare Part C (Medicare Advantage plans)
A Medicare Advantage plan (like an HMO or PPO) is another way to get your Medicare coverage. Medicare Advantage plans, sometimes called Part C, are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage plan, you’ll still have Medicare, but you’ll get your Medicare Part A and Part B coverage from the Medicare Advantage plan, not Original Medicare. In most cases, you’ll need to use health care providers who participate in the plan’s network.

In addition to covering your Medicare Part A and Part B benefits, most Medicare Advantage plans also provide your Part D prescription drug coverage. And they may include extra benefits as well, such as dental, vision, hearing aids, and free gym memberships.

You get an initial enrollment period to join a Medicare Advantage plan that is seven months long and begins three months prior to your 65th birthday month. You also get an Annual Enrollment Period from October 15 – December 7 each year when you can switch plans for the upcoming calendar year. If you join a Medicare Advantage plan, you don’t need a Medigap plan.

Need help making a decision? Give me a call at 989-684-2772. My office hours are 9am-5pm, Monday – Friday.
Medicare Made Easy If you are turning 65 and have questions about your Medicare options...

State News


“Dale’s an example of a traditional county Farm Bureau board member: Their world is their county — they’re dedicated.”

This article has three simple goals:

  1. Honor the memory of an active Farm Bureau member — one specific man — whose years were recently cut tragically short.
  2. Honor the unsung style of member he was: the strictly local kind, content to do good work in their familiar, comfortable corner of a much larger universe.
  3. Encourage county Farm Bureaus to do more of #2.

The ‘larger universe’ here is the greater Farm Bureau organization, with its award plaques, stage walks and grip-n-grin photos, all in the name of recognizing the indispensable work of outstanding members and counties. In an organization reliant on the efforts of volunteers, recognizing those efforts is essential.

The ‘one specific man’ in this case never saw any of that, simply because he neither sought nor desired it. He is — was — Dale Frisque, who died Aug. 5 at the age of 59, the sole casualty of a fire at the cedar mill where he’d worked his whole adult life.

That mill is in the center of Menominee County, anchoring the south end of Carney, where Dale grew up, attended high school and was the third generation to work his family’s farm. He inherited Frisque Hilltop Farms in the wake of his father’s death, and completed its transition from dairy to beef, hay and oats.

“That was my grandparents’ farm — the farm my mother grew up on,” remembers longtime Menominee leader Pete Kleiman, a first cousin of Frisque’s.

“Dale never did get married; he stayed on the farm with his mother, raised hay, corn, oats to feed the beef… Some chickens, ducks… Sold round bales in the winter to horse people.

“Kind of an old-fashioned farm, really.”

Wasn't Like That

He joined Farm Bureau in 2001, launching an impressive track record of involvement in membership events, annual meetings and other activities central to the organization.

“I was the one who talked Dale into running for the county board in the first place,” Kleiman said. “We were looking for somebody from that area; it’s hard to find folks there.”

With a regular job in town and the farm only a couple miles away, Frisque was busy but always nearby and ready to help.

“He was kind of a homebody and involved in the community as best he could — the Lions and the church and sports clubs.”

And he brought that same sturdy reliability to the Menominee County Farm Bureau board, Kleiman recalls:

“He wasn’t a board member who… Y’know some people come onto a board with an agenda and ‘Once I get done what I want to get done, I’m gone.’

“Dale wasn’t like that. He showed up every month and he was willing to offer his opinion about how to proceed with something and if he didn’t think it was a good idea, he’d say so.

“He was just never going to be that person to serve on a state committee — that just wasn’t something he wanted to do. But when we did Breakfast on the Farm we could always count on him to be there on the weekend to help out.”

Plenty to Do 

The same held true at the mill, where Dale knew every facet of the operation and could always be counted on, even when it meant stepping away for a bit.

“At the mill when things slowed down and they needed somebody to take a week off, Dale was always willing to take a voluntary leave because he always had plenty to do back on the farm,” Kleiman said.

The mill was Peterson Brothers when he started there as a teenager, then Gilbert & Bennet, then Superior Cedar after a group of its own employees bought the place. Over the years it dealt in pulpwood and fence posts and bark mulch — mountains of mulch, feeding city folks’ garden beds by the semi load.

And in an instant, innocent sawdust turned into a lethal inferno.

Most Don't Know

News of Dale’s loss came promptly the next morning, Aug. 6, straight into the gut of MFB’s state staff convening online for an informal weekly meeting. The messenger was Craig Knudson, our seasoned Regional Manager in the Upper Peninsula.

“Most of you probably don’t know him,” he started, before announcing the loss in the succinct, economic way we do when those left behind are still wondering how and why.

That Frisque’s name was unfamiliar even to longtime MFB staffers came as no surprise to Knudson, who’d shepherded Dale’s involvement for almost two decades.

“Dale’s an example of a traditional county Farm Bureau board member: Their world is their county — they’re dedicated,” Knudson said, his voice growing bolder, more insistent.

“You won’t see them at State Annual Meeting, but they’re dedicated to the county Farm Bureau at the local level.

“That’s where Dale fit in.”

Moral of the Story

Our society rewards ambition and glorifies ladder-climbing heroes striving for greatness that skeptical observers may dismiss as out of reach. On the flip side of that, we can overlook those of more moderate aspirations: “Big fish in a small pond” is not a compliment.

The message for county Farm Bureaus is simple: Be sure to support your quiet journeymen, low-profile workhorses and behind-the-scenesters who get things done outside the limelight.

An industry that values humility can’t forget to honor the humble.

The ‘larger universe’ here is the greater Farm Bureau organization, with its award plaques, stage walks and grip-n-grin photos, all in the name of recognizing the indispensable work of outstanding members and counties. In an organization reliant on t

The Emmet County Farm Bureau’s member-appreciation event, a drive-through dinner hosted by the Petoskey Culver’s restaurant, earned it District 11’s Champion of Excellence honors in Grassroots Innovation. Pictured above are Emmet leaders Ben Blaho (left) and Bill McMaster

Michigan Farm Bureau recently announced the winners of this year’s Champions of Excellence Awards, acknowledging county Farm Bureaus’ efforts toward engaging their membership and their innovative means of doing so.

Altogether this year 37 county Farm Bureaus applied for a total of 45 Champions awards in two updated categories: Grassroots and Involvement, each going above and beyond creating innovative and effective member programming.

Counties were also evaluated on their involvement statistics throughout the recently concluded membership year.

Here are our 2021 Champions of Excellence winners, by district:

Grassroots

  • District 1: Cass County Farm Bureau
  • District 2: Jackson County Farm Bureau
  • District 3: Washtenaw County Farm Bureau
  • District 4: Ionia County Farm Bureau
  • District 5: Clinton County Farm Bureau
  • District 6: Lapeer County Farm Bureau
  • District 7: Mecosta County Farm Bureau
  • District 8: Isabella County Farm Bureau
  • District 9: Mason County Farm Bureau
  • District 10: Gladwin County Farm Bureau
  • District 11: Emmet County Farm Bureau
  • District 12: Iron Range Farm Bureau

Involvement

  • District 1: Berrien County Farm Bureau
  • District 2: Calhoun County Farm Bureau
  • District 3: Oakland County Farm Bureau
  • District 4: Kent County Farm Bureau
  • District 5: Shiawassee County Farm Bureau
  • District 6: Lapeer County Farm Bureau
  • District 7: Osceola County Farm Bureau
  • District 8: Saginaw County Farm Bureau
  • District 9: Mason County Farm Bureau
  • District 10: Huron Shores Farm Bureau
  • District 11: Cheboygan County Farm Bureau
  • District 12: Iron Range Farm Bureau

One state-level winner in each category will be chosen by a panel of judges and announced at MFB’s 2022 Council of Presidents’ Conference, Feb. 2-3 in Midland.

Congratulations to all of these outstanding county Farm Bureaus for their exemplary work throughout the 2020-21 membership year!

The ideas and events submitted through the Champions of Excellence Awards process will be shared with all county Farm Bureaus so everyone can strive toward the greatness our winners have achieved.

Michigan Farm Bureau recently announced the winners of this year’s Champions of Excellence Awards, acknowledging county Farm Bureaus’ efforts toward engaging their membership and their innovative means of doing so.

Beyond all the tour hosts and expert speakers, Growing Together attendees enjoy ample opportunity to learn from perhaps their most highly esteemed and trusted resources: each other.
 

Farm Bureau members from across the state will converge Feb. 18-20 at the Amway Grand Plaza in Grand Rapids next winter for MFB’s 2022 Growing Together Conference, where the Voice of Agriculture and Young Farmer Leaders Conference collide!

Open to regular members of all ages, Growing Together focuses on the common ground shared by Farm Bureau’s Young Farmer and Promotion & Education programs. Attendees will take home new ideas and resources to incorporate into their county programming — everything from reinvigorating youth programming and facilitation tips to human resource applications for your farm business and managing the ups & downs of rural life.

Keynote speaker Bruce Boguski will set the stage with a presentation about how to alter our belief systems and bolster confidence en route to success. Attendees will discover the advantages of a positive attitude and use that knowledge to change frustration and negativity into a ‘can-do’ environment.

Growing Together also offers members opportunities to network during tours, at receptions and during evening entertainment. This year, all Friday tours will converge at the Grand Rapids Public Museum for a private viewing and reception with heavy hors devours. Those looking to keep the evening going can participate in a virtual GooseChase scavenger hunt, completing challenges while enjoying downtown Grand Rapids, complete with prizes for the most points earned!

A pre-dinner reception on the second night will include a county leader reception where county Young Farmer and P&E chairs and co-chairs will be recognized for their leadership. Following that dinner will be an evening of casino fun, where the only required experience will be knowing how to have a fun, laid-back time with friends old and new!

In a new option, 2022 Growing Together attendees can choose between two Friday agendas: the Take Root Farm Succession and Estate Planning Seminar (at a discounted $50 rate) or the customary tour of regional agriculture sites.

Registration will be open Jan. 3-14. Contact your county Farm Bureau to reserve your spot and stay up-to-date at http://www.michfb.com/growingtogether

Farm Bureau members from across the state will converge Feb. 18-20 at the Amway Grand Plaza in Grand Rapids next winter for MFB’s 2022 Growing Together Conference, where the Voice of Agriculture and Young Farmer Leaders Conference collide!

Coming Events

DateEvents
February2022
Wednesday
2
2022 Council of Presidents Conference
111 W Main St
Midland, MI
This is the annual conference for county Farm Bureau presidents.  The conference provides and opportunity to: * Meet peers from across the state * Help guide new county presidents as they take on their new role * Learn current state and national organization issues and develop leadership skills