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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
        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

Despite all the smiling selfies on Instagram and happy family photos on Facebook, behind the scenes many of us grapple with financial, emotional, mental and physical stress. These largely unseen and untold struggles can make us feel isolated — like we’re alone trying to get through the quicksand.

But you are not alone.

Farmers After Hours is a series of real, genuine conversations about real, pressing problems for real, imperfect people. Tune in for one or all of them to connect with farmers and experts as they talk candidly about mental health and farm stress.

Participation is free and totally anonymous. Your name won’t show up on an attendee report. Your photo or video won’t show up on anyone’s screen. And your questions will be posed totally anonymously. When we say anonymous, we mean it.

Register for the panel discussion on July 22 and Sept. 2 by visiting The other sessions will be posted at 7 p.m. to the Michigan Farm Bureau Facebook page on the corresponding dates. Recordings for the entire series will be accessible after airing on MFB’s YouTube channel.

All sessions start at 7 p.m. on Wednesdays. Here’s a glance at the whole enchilada:

  • July 22 — Stress and Mental Health Farmer Panel — Ever feel like you can’t keep your head above water? That the pressure, expectations and strain of the day-to-day are wearing you out? Worried about someone you know or care about? You’re not alone. Join us for a live farmer panel, featuring Farm Bureau members Dave MumbyAbigail O'Farrell, and Matt Schwab. There will be wine, whiskey and real talk about stress, anxiety and depression as well as resources these farmers have found helpful.
  • July 29 — Positive Self-Talk — Our parents said, “If you can’t say anything nice, don’t say anything at all.” But do we apply that advice when talking to ourselves? We all have an inner “voice” coaching, encouraging and judging our actions and behaviors throughout the day. Learn practical strategies from Adrienne DeSutter for making your inner voice an inspiring coach instead of an intimidating bully.
  • Aug. 5 — Meditation and Focus — Many wise leaders and scholars have wondered why naptime is phased out after kindergarten. A national naptime seems unlikely, but what if there was a quick, easy way to refresh, rejuvenate and reorient yourself throughout the day? Hello, meditation! It’s not just a hokey, yoga fad. Learn tips to improve your focus and refresh your mind from Kylie Rymanowicz of Michigan State University Extension.
  • Aug. 12 — Control and Acceptance — Nothing’s more stressful than feeling like you’re riding shotgun, not the driver, of your own life. Especially during this season of pandemic and poor prices, life has a way of reminding us we’re not always in control. Spend some time with Barb Smith, executive director of Barb Smith Suicide Resource & Response Network, as we talk through the basics of understanding and accepting what we can and can’t control.
  • Aug. 19 — An Attitude of Gratitude — What’s the fastest way out of a funk? Intentional gratitude. More than the occasional thank-you, consistently practicing gratitude can change your whole mindset. Join Sarah Zastrow, founder of Cultivate Balance, as we talk through the healthy mindset of being thankful, the release of counting blessings and the power of saying thank you to others.
  • Aug. 26 — Farm to Fitness — We cram our days with endless tasks for the farm, our family, our friends. And what most often falls off our to-do list? Physical fitness. Listen to Sarah Zastrow of Cultivate Balance as we explore steps to grow from farm to fitness and prioritize our physical and mental health. (They’re more closely connected than you might think!)
  • Sept. 2 — Ask the Experts — Join our expert panel, featured individually over the preceding month, as they candidly discuss farm stress, coping strategies and resources. You’ll realize you’re not alone. They don’t have it all figured out, but they’re here to share their experience, answer your questions and connect us with the next steps of our mental and physical health journey.

Farmers After Hours series is a special project of the Michigan Foundation for AgricultureThe Michigan Foundation for agriculture, a 501c3 formed by Michigan Farm Bureau, has a mission of positively contributing to the future of Michigan agriculture through leadership and educational programming.

Farmers After Hours is a series of real, genuine conversations about real, pressing problems for real, imperfect people. Tune in for one or all of them to connect with farmers and experts as they talk candidly about mental health and farm stress.

County Farm Bureaus statewide are adapting their usual annual-meeting routines to meet the challenging circumstances 2020 continues to pose. Innovative approaches rooted in ensuring members’ safety from coronavirus are being weighed against each other depending on what works best for each county’s members.

Various combinations of online or mail-in voting are being fit together with meal options from food trucks to drive-though ice cream socials. Outside of state executive orders in place to safeguard the wellbeing of all Michigan residents, counties are only limited by their imaginations!

Jen Marfio juggles three counties in District 7 — Mecosta, Oceana and Osceola — all of which are doing drive-through annual meetings this year. While a radical departure from the norm, she said the concept was met with enthusiasm given members’ time constraints this time of year.

“Everyone is crazy busy either chasing irrigation or harvesting,” Marfio said. “Mecosta’s was already set up and we had an option to make it drive-through if necessary. When I went to Oceana, they were all pretty stressed about planning a big event only to have it canceled.

“I told them what Mecosta was doing and they decided a drive-through at the fairgrounds was the ticket. Add a little ice cream and there’s the annual!”

Osceola soon followed suit and all three of Marfio’s counties were on straighter paths toward tying up their annuals.

“The plan is for the member to drive up and check in,” Marfio explained. “We will hand them a packet with anything that needs to be voted on, and a ballot. Upon completing their ballot they’ll receive their meal and/or ice cream, depending on the county.”

Over in the Thumb, Sherri Gottleber CAMs for both Sanilac and St. Clair.

“Sanilac is hosting an ‘open house’ format,” she said. “Folks can arrive at the county fairgrounds anytime within a three-hour window. They’ll register from their car and get their ballot — and a ticket to one of several food trucks that will be on site.”

Members will submit their completed ballots as they leave, in exchange for a prize-drawing ticket.

To the south, where COVID numbers have been on the rise, the St. Clair County Farm Bureau board is opting for an even safer electronic vote-from-home format. Mail-in ballots will also be available for members who aren’t online.

“Very different from Sanilac, but I think St. Clair’s made the right decision” to safeguard members’ health, she said.

Janelle Walworth is administrative manager for both the Hillsdale and Jackson County Farm Bureaus down in District 2. Both are sticking with in-person meetings, but working within the parameters of the state’s executive orders.

Founded in June of 1920, Hillsdale County Farm Bureau this year celebrates its centennial, so that meeting will be more about celebrating history than conducting business.

Policy resolutions are being made available ahead of time to streamline their adoption at the meeting itself. 


And here’s where we stand with this year’s annual-meeting schedule — alphabetical by county Farm Bureau name, omitting meetings that’ve already happened and those with dates yet to be determined:

  • ALLEGAN — Aug. 25, 6:30 p.m. at the Trestle Stop, Hamilton
  • ANTRIM — Sept. 15, 6 p.m. at Royal Farms, Ellsworth
  • ARENAC — Sept. 15, 6:30 p.m. at Pine River Golf Course, Standish
  • BARRY — Aug. 17, 5:30 p.m. at Charlton Park, Hastings
  • BAY — Aug. 17, 6 p.m. at Auburn City Park, Auburn
  • BENZIE-MANISTEE — Sept. 20, 3 p.m.; location TBD
  • BERRIEN — date TBD; mail-in ballots
  • BRANCH — Sept. 21, 6 p.m. at Branch County Fairgrounds, Coldwater
  • CALHOUN — Sept. 15, 6 p.m. at Marshall United Methodist Church, Marshall
  • CASS — Sept. 15, 6 p.m. at Burger Farm, Niles
  • CHARLEVOIX — Sept. 19, 6 p.m. at Boyne City Administration Building, Boyne City
  • CHEBOYGAN — Sept. 10, 6 p.m. at Beaugrand Township Hall, Cheboygan
  • CHIPPEWA — Sept. 24, 7 p.m. at Tanglewood Marsh Golf Course, Sault Sainte Marie
  • CLARE — Sept. 3, 5 p.m. at Fitzpatrick Farms, Beaverton
  • CLINTON — Sept. 24, 4 p.m. at the AgroLiquid parking lot (tentative), St. Johns
  • COPPER COUNTRY — Sept. 15, 5:30 p.m. at Chassell Fire Hall, Chassell
  • EATON — Oct. 10, 4 p.m. at Kardell Hall, Eaton County Fairgrounds, Charlotte
  • EMMET — Sept. 17, 6 p.m. at LTBB Government Center, Harbor Springs
  • GENESEE — Sept. 16; location TBD
  • GRATIOT-ISABELLA-MIDLAND — Aug. 10, 5 p.m. at Eastman’s Forgotten Ciders, Wheeler
  • HIAWATHALAND — Oct. 26; location TBD
  • HILLSDALE — Aug. 29 at Hillsdale County Fairgrounds Grange Building, Hillsdale
  • HURON — Aug. 19, 5 p.m. at Huron County Fairgrounds, Bad Axe
  • HURON SHORES — Oct. 5, 6 p.m. at Ossineke Township Hall, Hubbard Lake
  • INGHAM — Sept. 9, 6:30 p.m.; mail-in ballots                                     
  • IONIA — Sept. 9, 6 p.m. at Shadow Ridge Golf Course, Ionia
  • IOSCO — Oct. 14, 6 p.m. at St. Paul’s Lutheran Church, Hale
  • IRON RANGE — Oct. 20, 6 p.m. at Sagola Community Building, Sagola
  • JACKSON — Sept. 19 at Thorne Farms, Hanover
  • KALAMAZOO — Aug. 20, at Prairie Baptist Church, Scotts
  • KENT — Sept. 17, 6:30 p.m. at FireRock Grill, Caledonia
  • LAPEER — Sept. 12, 5 p.m. at the Lapeer County Farm Bureau office, Lapeer
  • LENAWEE — Aug. 21, 6:30 p.m. at Carpenter Farms, Adrian
  • LIVINGSTON — Sept. 9, 6 p.m. at Fowlerville Family Fairgrounds, Fowlerville
  • MAC-LUCE-SCHOOLCRAFT — Oct. 8, 6 p.m. at Garfield Township Hall, Engadine
  • MACOMB — Sept. 15, 6 p.m. at Blake’s Orchard, Armada
  • MASON — Sept. 16, 6:30 p.m. at Farm View Resort, Free Soil
  • MECOSTA-MONTCALM — Aug. 23, 5:30 p.m. at Hearty Harvest, Remus
  • MENOMINEE — Oct. 13, 6:30 p.m. at Belgiumtown Restaurant, Stephenson
  • MISSAUKEE — Sept. 11, 5 p.m. at Missaukee Lake Park, Lake City
  • MONROE — Sept. 17, 5:30 p.m. at Old Mill Banquet Hall, Dundee
  • MUSKEGON — Aug. 11, 5:30 p.m. at Muskegon Farmer’s Market, Muskegon
  • NEWAYGO — date & location TBD
  • NORTHWEST MICH. — Sept. 18, 6 p.m.; location TBD                         
  • OAKLAND — Sept. 16, 6 p.m. at Springfield Oaks Park, Davisburg
  • OCEANA — Sept. 15, 5:30 p.m. at Oceana County Fairgrounds, Hart
  • OGEMAW — Sept. 8, 6:30 p.m. at Horton Township Hall, West Branch
  • OSCEOLA — Sept. 23, 6:30 p.m. at Osceola County 4H Fairgrounds, Evart
  • OTSEGO — Oct. 4, 2 p.m. at Livingston Township Hall, Gaylord
  • OTTAWA — Sept. 17, 5:30 p.m. at Second Church, Allendale
  • PRESQUE ISLE — Aug. 24, 6 p.m. at The Pavilion at Elowsky Mill, Posen
  • SAGINAW — Aug. 27, 7 p.m.; conference call                                     
  • SANILAC — Aug. 21, 5:30 p.m. at Sanilac County Fairgrounds, Sandusky
  • SHIAWASSEE — Sept. 15, 9 a.m.; mail-in ballots                                 
  • ST. CLAIR — date TBD; mail-in ballots                                                 
  • ST. JOSEPH — Aug. 25, 6:30 p.m.; Evergreen Ranch, Burr Oak
  • TUSCOLA — Aug. 20, 5:30 p.m.; Midway Hall at Tuscola County Fairgrounds, Caro
  • VAN BUREN — Oct. 26, 6 p.m.; location TBD                                      
  • WASHTENAW — Sept. 21, 5 p.m. at Weber’s Inn, Ann Arbor
  • WAYNE — Aug. 26, 6:30 p.m. at Wayne County Fairgrounds, Belleville
  • WEXFORD — Oct. 13, 7 p.m.; “tele-town hall”
County Farm Bureaus statewide are adapting their usual annual-meeting routines to meet the challenging circumstances 2020 continues to pose. Innovative approaches rooted in ensuring members’ safety from coronavirus are being weighed against each othe

Young Farmer Discussion Meets originally scheduled for earlier this year resume this month, with Farm Bureau members ages 18-35 engaging in civil discourse on key agricultural topics of the day.

Discussion meets are meant to simulate committee meetings, with conversation and active participation expected of all participants. The competition is evaluated on the exchange of ideas and information on a pre-determined topic. Participants build discussion skills, deepen their understanding of important ag-industry issues and explore how groups can pool their knowledge, reach consensus and solve problems.

They’re also a great way to meet other Young Farmers, and spectators are always welcome.  

Contestants must be Farm Bureau members age 18-35. Visit for the topics and more information. In the meantime, here’s the schedule:

  • District 1 — July 25 at Weinberg Farms in Scotts; contact Sarah Pion, 269-377-4841
  • District 2 — July 23 at River Dell Venue in Homer; contact Paul Pridgeon, 517-320-4444 
  • District 3 — July 18 at Horning Farms in Manchester; contact Hannah Meyers, 616-485-4469
  • District 4 & 7 Discussion Meet & Golf Outing — Aug. 1 at Waters Edge Golf Course in Fremont; contact Adam Dietrich, 616-889-1857
  • District 5 — late August/September, location TBD; contact Hannah Lange, 231-383-3131 
  • District 6 & 8 Discussion Meet & Golf Outing — Aug. 4 at Willow Springs Golf and Country Club in Vassar; contacts: Beth Rupprecht, 989-640-6913 (Dist. 6) or Becca Gulliver, 989-708-1082 (Dist. 8)
  • District 9 — July 18 at Harrietta United Methodist Church; contact Nicole Jennings, 810-569-9610
  • District 10 — Sept. 16, 6:30 p.m., location TBD; contact Sonya Novotny, 248-420-2340
  • District 11 — late August, location TBD; contact Cole Iaquinto, 810-422-7322
  • District 12 — Sept. 1 at Hanson Potato Farm, Cornell; contact Craig Knudson, 231-357-3864

High-school students with an affinity for agriculture can also showcase their knowledge and speaking skills in our Youth Discussion Meets, taking place this fall:

  • Nov. 19 — Vicksburg High School (FFA Region I)
  • Nov. 11 — Lenawee ISD (FFA Region II)
  • Nov. 12 — Delta College (FFA Region III)
  • Oct. 3 — Corunna High School (FFA Region IV)
  • Nov. 11 — Ravenna High School (FFA Region V)
  • Nov. 19 — Bay Arenac ISD (FFA Region VI)

For more information or to help out, contact Katie Eisenberger.

Young Farmer Discussion Meets originally scheduled for earlier this year resume this month, with Farm Bureau members ages 18-35 engaging in civil discourse on key agricultural topics of the day.

Coming Events

Bay County Farm Bureau Annual Meeting
435 S. Auburn Rd
Auburn, MI
Join us for a Picnic at the Park!   This years annual meeting will be held at the Auburn City Park Pavilion.  The address is 435 S. Auburn Rd. in Auburn.  The cost is $5 a person.  Members PLEASE RSVP to Lisa at 989-684-2772 (If no answer, leaving a message or texting is fine as well) You can also email Lisa at [email protected]