Whether you’re new to Medicare or have been enrolled for years, it’s always good to make sure you’re getting the most out of your benefits. Not only will your health care needs change over time, but some of your coverages and costs may as well.

Medicare understands this and has rules in place regarding when updates to your coverage can be made. Discover what they are, the deadlines you should be aware of, and which changes are allowed to help you maximize your health benefits.

Medicare AEP at a Glance

There are different enrollment periods for the various Medicare plans offered. If you’re interested in signing up for or making changes to a Medicare Advantage plan or a Medicare Prescription plan, then the Medicare Annual Election Period (AEP) is the perfect time to do so.

• Key Dates: The Medicare AEP takes place October 15th thru December 7th.
• Who It’s for:
  • Those who want to make changes to their existing Medicare Advantage Plan or Medicare Prescription Drug Plan.
  • Those who signed up for Original Medicare (Parts A and B) during their initial enrollment period and wish to change to a Medicare Advantage plan (Part C).
  • Those who want to enter or exit a Medicare Prescription Drug Plan
  • Those who want to exit their Medicare Advantage plan and enroll in Original Medicare.

• Why You Should Take Advantage:

• • Review your current and projected health care needs. Are they being met by your current Medicare plan? Could additional or different benefits be helpful, such as prescription coverage?
  • Has your Medicare Advantage plan changed its costs or coverages? Is it still the best one for you, or is there a more suitable one?

Let’s take a closer look at the specifics of Medicare coverage and how you can make the most of the upcoming Medicare Annual Election Period.

Medicare’s Main Parts

Here’s a brief overview of the types of coverages Medicare offers:

• Medicare Part A – This is hospital insurance. It provides coverage for inpatient care at hospitals, skilled nursing facilities, and hospice care.

• Medicare Part B – This is medical insurance. It provides coverage for selected doctors’ treatments, outpatient services, medical supplies, and preventative care.

• Medicare Part C – Also known as Medicare Advantage, this type of plan bundles together Medicare Part A and Part B, and often Part D. In addition, most plans offer bonus benefits that Original Medicare (comprised of Parts A and B) will not. These may include dental, hearing, vision, and more. These plans are provided by private organizations with Medicare’s approval, ensuring that they meet Medicare’s coverage requirements.

• Medicare Part D – This is prescription drug coverage. Not only does it assist with costly medications, but it can also help with vaccines and shots. You can choose to obtain it with Original Medicare or Medicare Advantage plans.

Changing Your Medicare Coverage

Now that you know the main types of coverage available, let’s examine when you’re eligible to make changes to the Medicare plan you have. 

Typically, you’ll want to take advantage of the Annual Election Period (AEP). This happens during the same time each year. Sometimes, however, special circumstances arise and a Special Enrollment Period (SEP) is needed. We’ll look at each of these options in turn.

What is AEP

October 15th through December 7th is the Medicare Annual Election Period (AEP). During this time, you may make the following changes to your plan:

• Exit Original Medicare (Part A and Part B) and join a Medicare Advantage Plan (Part C).
• Exit your Medicare Advantage Plan and sign up for Original Medicare.
• Change from one Medicare Advantage plan to another Medicare Advantage Plan
  (Potentially adding or removing a prescription drug benefit in the process)
• Add a Medicare Part D plan to your Original Medicare coverage.
• Remove your Medicare Part D coverage.

Any updates you make to your coverage during this period will become official on January 1st.

Why Make Changes during the Medicare AEP?

Your health evolves from year to year, and your coverage should, too. Invest a little time now to see what Medicare plans are best suited to your needs. 

Are you requiring more prescriptions or health visits than before? Or perhaps the reverse is true and you don’t need all of the benefits you currently have.

Is there a more cost-effective plan available in your area that offers the coverage you need?  Are there new benefits being offered in a different plan that would be helpful to you?

The time you invest in examining your coverage now could yield major benefits in the year ahead.

Additional Enrollment Periods

While the Annual Election Period happens during the same timeframe each year, Medicare recognizes that additional enrollment periods are required. Here’s a brief look at the different types available:

• Special Enrollment Period – This is for people whose individual circumstances have changed. Specifically, you may have moved to a location outside of your current plan’s jurisdiction, or into or out of an extended-care facility. Perhaps Medicare terminated its contract with your provider. These are just a few examples.
• Initial Enrollment Period (IEP) – As the name suggests, this is for newly eligible Medicare enrollees. It begins three months before your 65th birthday month and concludes three months after it, spanning a total of seven months.
• General Enrollment Period (GEP) – This begins January 1st and ends March 31st. It may be used by those who did not sign up during their IEP and do not meet the criteria for a SEP.  
     
• Medicare Advantage Open Enrollment Period – This begins January 1st and ends March 31st. During this period, you may change from one Medicare Advantage plan to another, and prescription drug coverage changes are allowed. You may also switch from Medicare Advantage to Original Medicare (Parts A and B). Note that your new coverage will become effective on the first day of the month following the receipt of your request by your new provider. NOTE: This enrollment period does not allow you to switch from Original Medicare to a Medicare Advantage plan. So if you’re looking to do so, be sure you change your coverage during the Medicare Annual Election Period (AEP), from October 15th through December 7th.

No matter what your age, it’s vital to your health to stay busy and active. Many older adults who are nearing retirement start to consider what they’ll do with spare time on their hands. Volunteering in your free time is a great option that can be both fun and rewarding. Depending on the type of volunteer activity you choose – it can also keep you both physically and mentally fit. 

Retirees frequently find it difficult to transition out of the workplace. You can lose your sense of purpose with such a sudden change to your lifestyle and your routine. Volunteering in retirement can benefit you as much as it does the world around you. Seniors who volunteer stay connected to their community, and adults over 65 make up 25% of the total volunteer population. Locating volunteer opportunities for retirees can help to ease the transition and combat depression.

To find the right volunteer opportunity for older adults – you may want to answer some of these questions:

• What do you like to do for fun?
• What skills do you have that you would like to share?
• How much time do you have to give?
• Would you like to work indoors or outdoors?
• Do you work better in a team or one-on-one?
• Do you prefer working with animals, or helping children or adults?
• Are there any charities that are important to you?

There are many different choices for volunteering once you’ve narrowed down your preferences and goals. The following are some options based on the type of volunteer opportunities you may be looking for.

Volunteering for Fun

On the Golf Course

Did you know that you can volunteer to usher at a local golf course either for a charity event or on the weekends? If you’re a fan of the sport – you can use your volunteer time as a way to attend a big golf tournament or to simply enjoy a round or two on the weekend. Many golf courses reward seniors who volunteer with free rounds of golf. You can also volunteer as a golf coach to help teach young people how to play.

Live Theatre

If you are a theatre buff, there are many opportunities to volunteer at your local theatre. Theatre volunteers hand out playbills or sell snacks in exchange for tickets to popular shows. Additionally, if the show that you are working has a low turnout, a volunteer can usually just plop down in an empty seat to watch along with the other patrons until the curtain comes down and the lights come up.

Working with Animals

If your passion involves our furry friends, you’ll find many opportunities to play with pups or kittens, or even walk dogs at your local shelter. Shelters really benefit from volunteers who can cover these responsibilities – especially on holidays, so that employees can take a break to be at home with loved ones.

Volunteering to Help Those in Need

Feeding the Hungry

Not surprisingly, a large percentage of volunteers work in the areas of food service. This includes serving meals to the homeless and lending a hand at the local food bank. Some food service volunteers are also drivers for Meals on Wheels or help to organize local food drives.

Mentoring and Tutoring

Many retirees have knowledge and experience that they can share with others. You can choose to volunteer as a mentor or tutor at a local community center or a group home for displaced youth. This positive engagement can help steer someone in the right direction – especially if they’ve been left on their own.

You’ll find it extremely fulfilling sharing your knowledge to help people succeed both personally and academically.

Become a Foster Grandparent

The foster grandparent program that’s offered through Americorps.gov allows folks over the age of 55 to be paired with a child-in-need in a local community or online. Building a connection with a child who needs guidance and support can be a gratifying way to spend your spare time. 

Environmental Opportunities

National Parks Service

The National Parks Service relies on a network of volunteers to help manage their 418 park sites. Volunteers hand out brochures, give directions or can help with park clean up. The great thing about volunteering with the National Parks Service is that they will work with you to find an opportunity that matches your skill set. If you put in enough hours, you can even earn a free annual park pass. 

Beach Clean Up

The Surfrider Foundation has partnered with the Better Beach Alliance to develop a national beach cleanup program that includes Hawaii and Puerto Rico. They currently have a volunteer network of over 140,000 people of all ages. Their efforts have resulted in the removal of over 960,000 pounds of trash from beaches and coastal areas. 

By volunteering for a beach cleanup, you can support your community and make new friends while spending a few hours on the beach. 

Volunteering for Travel

Join the Peace Corps

The Peace Corps recognizes the value of older volunteers who have skills and experience that they can share with the global community. Through their 50-Plus initiative, the Peace Corps is now actively recruiting older adults for both long-term (2 years) or short-term (3 months) commitments. Volunteers are trained and placed in one of many global communities in need of support. The Peace Corps will provide you with both a housing and a living stipend, and they cover all your medical expenses while you are on assignment.

The Takeaway

Volunteering provides connection and a sense of purpose for seniors and recent retirees. You can make new friends and learn new skills while staying connected to others. Working as a volunteer can combat depression and loneliness, especially if you are an older person who is single or lives alone.  

If you are interested in volunteering, there are hundreds of organizations and websites that are dedicated to helping seniors and retirees get involved locally, nationally, or internationally.

Having health insurance coverage is essential. For many, this coverage comes through work, whether it’s your job or your spouse’s. But what happens when you are nearing retirement? Knowing when you will become eligible for Medicare and the best time to enroll will be key to your planning process. 

Who is eligible to apply for Medicare?

If you are age 65 and meet the following criteria, you are eligible for Medicare sign up:

• You are an American citizen or have been a permanent legal resident for five consecutive years or more.
• You or your spouse now qualify to receive Social Security Benefits or Railroad Retirement Board benefits.
• You or your spouse have worked as a government employee and paid Medicare payroll taxes while not paying into Social Security.

If you are age 65, a U.S. citizen or permanent legal resident, and do not meet the other criteria, it is still possible to participate in Medicare. You just may have to pay a monthly premium for each of the Medicare coverages you require.

Let’s take a closer look at how the Medicare enrollment process works for those who qualify.

I just turned 65. Do I need to sign up for Medicare, or will I be enrolled automatically?

The answer depends on whether you are already receiving retirement benefits as of three months before your 65th birthday. This is when your Initial Enrollment Period (IEP) begins. 

If you are collecting benefits – either Social Security retirement or Railroad retirement benefits – then you will be enrolled automatically in Medicare Part A and Part B. If you aren’t collecting benefits, then you will need to apply for Medicare. 

How does automatic Medicare enrollment work?

If you meet the criteria (immediately above) for automatic enrollment, then you should receive your Medicare card and additional information about your Medicare Part A and B benefits in the mail three months before your coverage begins. The packet will come from the Social Security Administration if you’re collecting social security benefits. The Railroad Retirement Board will send you your materials if you’re receiving Railroad retirement benefits.

You will be automatically enrolled in Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). While you can opt out of Medicare Part B, it’s best not to do so unless you have medical insurance through either your employer or that of your spouse. Otherwise, if you do not have it and refuse Medicare Part B coverage, you may have to pay a premium penalty if you apply for coverage at a later date.

In addition, you will want to confirm whether your current employer-provided insurance becomes secondary once you qualify for Medicare. If so, then applying for Medicare may save money on your health care costs by providing primary insurance.

When to sign up for Medicare if you don’t qualify for automatic enrollment

While the Medicare enrollment age is 65, you become eligible to begin the process three months before your 65th birthday. Here are the enrollment periods you need to know:

• Initial Enrollment Period (IEP) – This starts three months before your 65th birthday, extends through your birthday month and the three months after. You can sign up for Medicare at any point within this seven-month timeframe.
  
  Note: If your birthday is on the first day of the month, then your initial enrollment period treats it as though it’s actually in the month prior. So if your birthday were on July 1, then your seven-month IEP would begin March 1 and extend through September 30th.
  
  Your Medicare coverage will kick in based upon when during your IEP you enrolled: 
  • If you sign up any time within the initial three months, then it begins the first day of the month you officially become eligible. (Unless your birthday falls on the first, then it begins the month before your birthday.)
  • If you wait till the fourth month of your Initial Enrollment Period, your coverage will start during the subsequent month. 
  • If you sign up while in the fifth month, your Medicare benefits will start the second month after the month you enrolled.
  • If you sign up while in the sixth or seventh month, your Medicare benefits will start the third month after the month you enrolled.        

Important Tip: While you may have seven months to enroll, it’s best to do so as early as possible – no later than the initial three months. This will ensure that you won’t have gaps in coverage or run into penalties. For Medicare Part B (medical insurance), there is a late enrollment penalty that could end up costing you for the entire period you have Medicare Part B.

For Medicare Part A (hospital insurance), if you’re eligible for premium-free coverage, then you can sign up at any time once you become eligible. Once it goes into effect, its coverage will be retroactive up to six months from your sign-up date, but won’t extend beyond the date you first became eligible. 

If you are required to pay premiums for Medicare Part A, or you wish to enroll in Medicare Part B, then you have to do so during your Initial Enrollment Period (IEP) or one of the enrollment periods below.

• General Enrollment Period (GEP) – If you did not apply for Medicare Parts A (when a premium is required) and Part B during your Initial Enrollment Period, then you can enroll from January 1st through March 31st. When applying for Medicare during this period, your coverage will begin July 1st. You may also incur higher premiums as a result of late enrollment. 

• Special Enrollment Period (SEP) – For those who qualify, this allows you to sign up outside of your Initial Enrollment Period without having to pay a penalty. 

For example, if you currently have group health plan coverage, you can enroll in Medicare Part A (and/or) Medicare Part B, if:

• You or your spouse are employed. (Or if you’re disabled, then a member of your family is employed.)
• You have coverage through that work in a group health plan.
   

In addition, once that employment ends or the group health plan through that employment ends, you will also receive an 8-month period in which you can sign up for Medicare Parts A (and/or) B without penalty. This begins the month immediately after the employment or group health plan coverage ends, whichever happens sooner.

The Bottom Line

If you’re wondering when to apply for Medicare, the answer is to be proactive. Know when your Initial Enrollment Period begins and whether you’ll be automatically enrolled or you’ll need to apply as soon as you’re eligible. Not only will you save yourself time and trouble, but you’ll also save on health costs and penalties.

Seniors Meet Seniors

Let’s face it, the older we get, the smaller our group of friends seems to get. Your favorite neighbors move; your kids and their kids grow up and move on. Our social circle often intersects with our work circle, so much so that we develop lifelong friendships and sometimes even find romance in the office. You spend at least eight hours a day with these people, so naturally, you develop relationships. 

So, what happens when you retire or switch to remote work? Suddenly your clutch of trusty confidants seems to shrink, and you have more uninterrupted time. That’s good in a way because generally, people are more productive when they have fewer distractions. The other side of that coin, unfortunately, is loneliness and a growing desire to connect more deeply with a few like-minded people. Here are a few things you can try first in your community:

• Volunteer for causes you believe in, and you’ll undoubtedly bump into someone who cares about the same things you do. 
• Join a club based on common interests like knitting, reading, or travel. Get out and join a cooking class or a running club that will motivate you to train for your first big race. 
• Plant flowers in that void between the sidewalk and the road, grow food and share it with your neighbors.  
• Mentor. Teach someone how to read or how to use a computer. Helping others become better versions of themselves is one of the greatest gifts you can give.

You don’t live to be over 50 without becoming an expert at something, so share your knowledge and skills freely with others who can benefit from your experience. 

Senior Friendship Sites

And of course, there’s the Internet, but where in the world do you start? It depends on what you’re looking for. Over 70% of adults over 50 use social media to stay connected to friends and family.  

Keep engaged and active with your friends without ever having to leave your home. Popular sites allow you to create free personal profiles, connect with friends and family members of all ages, join groups of like-minded people, and engage in other social activities for seniors near you. A study in The Journals of Gerontology found that adults over 80 who use technology to stay in touch experienced better mental well-being than their counterparts who didn’t. 

Here are some of the more popular sites worth checking out:

Facebook: Facebook is still the largest social media platform, with nearly 3B users a month. That’s right, three BILLION a month! Share photos, videos, live chat, play games, or join alumni or one of many senior-focused groups. 

• Meetup: A social media site that helps people find groups and events that take place offline in a city near them.

• Stitch: A social networking site for people over 50. 

• Buzz50: Social networking for those over 50, with over 50 forums and 50 chat rooms, seniors will undoubtedly find a topic and group that will fit them perfectly.

• LinkedIn: Even if you’re retired, LinkedIn can be a great place to meet people and reconnect with old colleagues. Though it’s most commonly thought of as a business networking site, LinkedIn can be a great place to share your expertise or keep learning.

Online Dating Groups for Seniors

Being alone is not for everyone, so plenty of trusted dating sites are built specifically for seniors. The desire for companionship certainly doesn’t wane as you age, and there are plenty of dating websites that specialize in helping those over 50 connect with other mature single people. Each site offers free memberships, but you typically have to sign up for a paid account to take full advantage of all available features.

Here are a few options worth checking out:

OurTime: Meet people who love to do the same things you do.

50plus-Club: Dating and friendship for those over 50.

SeniorMatch: A site dedicated to helping mature members interested in meeting others online.

Zoosk: Behavioral matchmaking for singles of any age.

Silver Singles: Matchmaking, for those over 50, that works.

Senior Support Groups

Chronic Condition/Illness Support Groups: According to the National Council on Aging, roughly 80 percent of seniors have at least one chronic condition, a figure that only increases with age. Living with heart disease, cancer, diabetes, or a mental health condition can take a serious toll on your overall wellness. Most recently offered directly online, support groups specific to chronic illnesses or conditions typically provide emotional support, pain and symptom management tips, and up-to-date information on the latest treatment options. 

Grief Support Groups: Adjusting to life without a spouse or other loved one can be complex for anyone, but particularly difficult for seniors. Senior centers, churches, hospitals, and clinics provide access to support groups for seniors facing loss. After all, no one understands your pain like someone who is experiencing a similar circumstance.

Dementia-Related Support Groups: Recently diagnosed seniors and their caregivers will undoubtedly have several questions, especially in the early stages of the disease. Support groups may be able to help adults with dementia and those caring for them by: 

• Getting help dealing with the emotions that go along with a dementia diagnosis
• Providing access to credible new research
• Offering recommendations for activities or therapies that could slow dementia progression

The Alzheimer’s Association website can help you access local support groups for seniors living with dementia and their caregivers. 

Addiction Recovery Support Groups: Support groups can help recovering seniors remain focused when moving forward after addiction treatment. Folks who have been through it can recommend activities and techniques to stay relaxed and focused on recovery. Now you can access most meetings online.

Lifestyle change support groups: Start exercising, change your eating habits, or quit smoking. (For good this time.) Finding other seniors facing the same challenges can help keep you motivated and on track to achieve personal goals.

Ask us Anything

Connect with other seniors in the My Health Angel community. We host complimentary Zoom events designed to keep you healthy, active, and informed. Learn something valuable and meet new friends during our popular weekly events. You can always join us 15 minutes early for technical assistance. 

• Monday Meetups
• Tuesday Talks
• On Wednesdays, “Ask Us Anything”
• Thursday Thrive and Vibe

Check here for upcoming events you won’t want to miss or email us at Hello@MyHealthAngelEvnets.com with any questions.

What is a Medicare Special Needs Plan?

Medicare Special Needs Plans (SNPs), like all Medicare Advantage Plans, are provided through private insurance companies that Medicare approves. And just like Medicare Advantage Plans, SNPs must provide you with the same benefits, rights, and protections as Original Medicare, with one exception; they must include coverage for prescription drugs. SNPs are designed to provide additional services for patients who need specialized inpatient and outpatient care. To qualify, a patient must fall into at least one of the following three categories:

• Chronic Condition SNPs (C-SNPs): For patients with specific chronic conditions, such as cancer, dementia, diabetes, HIV/AIDS, stroke, End-Stage Renal Disease (ESRD), and certain neurological disorders
• Institutional SNPs (I-SNPs): For patients who live in an institution; such as a nursing home, long-term care skilled nursing facility, intermediate care facility, or assisted living facility
• Dual Eligible SNPs (D-SNPs): For patients enrolled in both Medicare and Medicaid

Unfortunately, SNPs are not available everywhere. To determine if an SNP is available in your area, you can call 1-800-MEDICARE or visit your State Health Insurance Assistance Program (SHIP) at www.shiptacenter.org. AARP and other national senior advocacy programs also offer services to help you find the available coverage. 

What Kind of Benefits Does a Medicare SNP Provide?

All Medicare Special Needs Plans (SNPs), including Medicare Parts A, B, and D. Some SNPs include additional services to help you better understand your condition, symptoms and the treatments prescribed by a physician. You may even have access to wellness, exercise, and nutritional programs that help treat conditions like diabetes. Chronic-Condition Special Needs Plans may include provider networks, physicians, and facilities that focus solely on treating illnesses like cancer, dementia, or End-Stage Renal Disease.

Suppose you have qualified for both Medicare and Medicaid and are on a limited income. In that case, Medicaid may cover some or all of your Medicare Advantage SNP premiums and healthcare-related costs. Depending on your income levels, you may also qualify for a Medicare Savings Program that helps pay for unexpected expenses such as higher premiums, copayments, coinsurance, or deductibles. With some plans, you may receive a Flex Card that can be used as a debit card for buying approved out-of-pocket health-related expenses that your provider supports. Those could be deductibles, co-pays for office visits or prescriptions, insulin, or medical devices such as blood pressure cuffs. SKU or UPCs verify purchased items. 

How much Does a Special Needs Plan Cost?

In most cases, you will still need to pay your Medicare Part B premium. Added to that will be the SNP monthly premium that your plan provider determines. There are a variety of plans, with a wide range of costs available, so take your time and select your plan carefully. And even though SNPs are required to provide prescription drug coverage, there may be an additional monthly premium for them.

Keep in mind that your Medicare SNP may be provided by a Health Management Organization (HMO) or a Preferred Provider Organization (PPO). Depending on the plan you’ve selected, you may need to see in-network providers receive coverage. You may also have the option of paying extra for visiting practitioners that are considered out-of-network.

What is a Dual Special Needs Plan (DSNP)?

Some people are eligible to carry both Medicare and Medicaid and qualify to enroll in a special kind of Medicare Advantage plan known as a Dual Special Needs Plan (D-SNP). A Dual Special Needs Plan is a special kind of Medicare Advantage plan that combines Medicare Part A, Part B, and Part D prescription drug coverage. Patients have access to both Medicare and Medicaid benefits that may include vision, dental or fitness plans.

If you’re enrolled in an SNP as a “dual eligible” individual, you may have access to certain additional social services that can help you coordinate your Medicare and Medicaid benefits. It is helpful to have an advocate who can teach you how to navigate the challenges of working with two very different systems. You may also qualify for transportation services to and from appointments, telehealth visits, and worldwide emergency coverage. 

To be eligible for DSNP, you must meet the following criteria:

• Already enrolled in Medicare and Medicaid
• Low-income seniors age 65 and older
• Patients with disabilities who are younger than age 65 
• You already have Medicare Part A and Part B 
• You live in an area where a DSNP plan is offered

Medicare Advantage Special Needs Plan Enrollment

Most seniors are first eligible for Medicare during their Initial Enrollment Period, the seven-month period that starts three months before your 65th birthday, includes your birthday month, and ends three months later. Suppose you qualify for Medicare because of disability. In that case, your Initial Enrollment Period starts three months before the 25th month that you are receiving Social Security or Railroad Retirement Board disability benefits and lasts seven months.

You can also enroll in a Special Needs Plan during the Annual Election Period from October 15 to December 7 each year. During this open enrollment period, you can enroll in a Special Needs Plan or a Dual Special Needs Plan for the first time, switch plans or providers, or disenroll from your current plan.

You may also be qualified to enroll in a Special Election Period outside of these periods under certain circumstances. For example, if you are diagnosed with one of the qualifying chronic conditions such as a stroke, cancer, HIV/AIDS, or diabetes.

Conversely, if you’re in a Chronic-Condition Special Needs Plan and no longer have the condition that the Special Needs Plan covers, you’ll be disenrolled from the SNP. Then you’ll be given a Special Election Period to enroll in a different Medicare Advantage plan or return to Original Medicare. Similarly, suppose you are enrolled in a Dual Special Needs Plan, and you lose your Medicaid eligibility. In that case, you may qualify for a Special Election Period to make changes to your coverage.

Your life can change in an instant, so it’s good to know that there are a variety of plans like SNPs and DSNPs to help you pay for unexpected medical expenses. Choosing the right coverage can be a daunting task, especially when you’re ill. Do your research, take your time, and don’t be afraid to ask for help.

Make it a Movie Night

Since you can pretty much watch whatever you want, whenever you want to, no one’s in any particular hurry to head back to a crowded theatre to watch a movie. So how about a movie night at home? Pull out those old DVDs or stream your favorites from Netflix, Prime, Hulu, etc.

It’s Saturday night, and you’re ready to spend a quiet night home alone, with your significant other or a handful of friends. The takeout has arrived, and everyone’s claimed their comfy spot to stretch out and enjoy a movie. Of course, you’ve seen all the classics, some multiple times: Jaws, Wizard of Oz, To Kill a Mockingbird, Indiana Jones, and the Godfather series. So, how do you choose? Here are a handful of critically acclaimed movies you may have missed that are worth a look.

Julie & Julia: Feeling defeated by a thankless job, New Yorker Julie Powell (Amy Adams) embarks on an epic challenge to prepare all 524 recipes in Julia Childs’ seminal cookbook, “Mastering the Art of French Cooking.” Intertwined with Julie’s story is the true-to-life tale of how Julia Child (Meryl Streep) fearlessly conquered the male-dominated world of French cuisine.

Defending Your Life: After an unfortunate mishap with a bus, Daniel Miller (Albert Brooks) discovers that in the afterlife, he must successfully defend his less-than-courageous actions on Earth before ascending to a higher plane of existence. While awaiting judgment, he falls hard for Julia (Meryl Streep), whose exemplary life makes it almost certain that she’ll be moving on.

Fargo: Fargo is a quirky crime thriller based around a botched kidnapping plot that leads to murder. Police detective Marge Gunderson (Frances McDormand) is a ray of sunshine in an otherwise bleak frozen midwestern town. Another star-studded cast takes this one over the type.

Young Frankenstein: A side-splitting Mel Brooks comedy classic from 1974, finds respected medical lecturer Dr. Frederick Frankenstein (Gene Wilder) inheriting his infamous grandfather’s estate in Transylvania. Arriving at the castle, a once a vehement skeptic, Dr. Frankenstein soon begins to recreate his grandfather’s experiments creating his very own monster (Peter Boyle).

The Princess Bride: In this 1987 cult classic, a handsome farmhand named Wesley (Cary Elwes) must rescue his true love, Princess Buttercup (Robin Wright), from the evil Prince Humperdink (Chris Sarandon). Our swashbuckling hero, along with a band of merry misfits played by an all-star cast, heads to Humperdink’s Castle to meet their fate. 

Winter’s Tale: One night in early 20th-century New York, master thief Peter Lake (Colin Farrell) breaks into a Central Park mansion — and quickly falls for his victim, Beverly Penn (Jessica Brown Findlay). Unfortunately, she is dying from consumption, and he is in danger. Peter must battle the forces of time and darkness to save his beloved.

Grand Budapest Hotel: Between the two world wars, M. Gustave is the legendary concierge at an exquisitely appointed European hotel. He serves at the whims of his wealthy guests, especially lonely senior women. Gustave finds himself unwittingly entangled in the theft of a priceless Renaissance painting, a murder, and a battle for an enormous family fortune.

You discover a new film or an old classic that’s new to you and loved it so much that you want to chat about it the minute the credits stop rolling. You need to find a fellow cinephile who’s willing to indulge your sub-plot theories. Finding like-minded seniors who share your hobbies and interests isn’t always that easy. Check out the fast-growing MyHealthAngel.com senior community, with over 500K members. You’re bound to find a fellow movie buff you can swap reviews with. 

Let’s Binge Netflix

In 2018, the term binge-watching first appeared in the Oxford English Dictionary. We all know that it means to spend hours and hours on the sofa, watching series episodes, back-to-back. With so many great shows and streaming services to choose from, it’s easy to forget there are thousands of great movies available too. Fun fact: For the price of a single movie ticket, you can choose from thousands of movies, TV shows, and original entertainment with a monthly subscription to Netflix.

Click on the Netflix home screen and scroll down the current top ten movies ranked by customer views. Watch them all or make your must-see list after previewing random trailers. Some favorite Netflix movies for seniors include Driving Miss Daisy, As Good as it Gets, The King’s Speech, Howard’s End, and The Highwaymen.

It’s easy to lose track of time when you jump in the movie rabbit hole, so mix it up. Stand up and stretch. Join a virtual book club, yoga class, or watch a live cooking demonstration with a master chef. Meet some new people or join your best friends for entertaining live events and real conversation at My Health Angel. 

Drama, Romance, and Funny Movies for Seniors

So, what are the best movies for an older audience? The senior audience is not a monolith, just sipping tea and watching black and white classics like their parents. Today’s seniors have choices, and they want it all: to laugh, to think, to learn, or take a brief break from reality. They love action, crime thrillers, comedies, drama, documentaries, and stories of romance. The great news is that we can enjoy anything from the latest blockbuster action movies to brilliant independent films from our living rooms. No phones ringing, loud whispering, or $12 popcorn.

Entertainment Without the Monthly Fee

If you’re looking for something a little more interactive, check out My Health Angel for unlimited access to weekly live events, a library full of informative videos, and other resources. And, unlike other sites you have to pay for, My Health Angel is always free. So brush up on your movie trivia, get to know interesting historical figures, or hum along with some favorite Broadway tunes.

So, get out there—virtually, of course—and meet new friends, learn new skills, and find new challenges. Visit My Healthangel.com to see what’s coming up on their calendar. And once you become an expert at Zoom, you can host your own movie night by simply sharing your screen. Online movie nights have become an increasingly popular way for families and friends of all ages to stay connected.

By Dana Barrett

If you are currently a recipient of Original Medicare and need prescription drug coverage, we can answer your questions about what Medicare Part D covers.

Does Medicare Cover My Prescriptions?

Medicare Part D Plans are provided by private insurance companies. These plans cover all or a portion of the cost of prescription drugs for beneficiaries. If you’re enrolled in Original Medicare and have Medicare Part A (hospitalization) and Part B (physicians and services), you also have the option to enroll in a Part D prescription drug plan. Some Medicare Part D plans have deductibles, while others are free.

The private insurance companies that offer Medicare Part D are the ones who decide which drugs are covered under each of their plans. However, there are 6 classes of therapeutic medications that are mandatory for approval by Medicare as a Medicare Part D Plan. These are known as protected classes. Most Part D Plans cover commonly prescribed generic and brand-name medications as well.

Medicare Part D – 6 Protected Therapeutic Classes

• Antineoplastics – which are used to treat cancer
• Antiretrovirals – which are used to treat HIV/AIDS
• Antipsychotics – to treat schizophrenia and other psychosis
• Antidepressants – for mood disorders
• Anticonvulsants – used to treat epilepsy and some mental health disorders
• Immunosuppressants – used to prevent organ transplant rejection

Medications that are not covered under Medicare Part D include:

• Fertility drugs
• Erectile dysfunction drugs
• Weight loss or weight gain medication
• Drugs for cosmetic purposes
• Over the counter medication
• Vitamins and supplements

Part D Drug Plan Formularies

Each Medicare Part D Plan has a specific list of medications covered by their plan called a formulary. Formularies can differ between plans, and plan providers are required to publish their list of formularies on each plan’s website. The formulary for any plan can sometimes change mid-year, but the plan provider has to notify you when a change is made. They must also provide you with alternate medication options and how the cost will affect you. 

Coverage Tiers 

Many Medicare Part D Prescription drug plans manage drug costs by assigning coverage tiers to different medications. These coverage tiers show the percentage of cost covered for each drug and are listed on the plan’s formulary list. Drugs listed in lower tiers usually cost more than those in higher tiers. Tier one drugs have the lowest co-payment and usually include generic brands. There is also a specialty tier for expensive medications that have the highest copayment level.

Another way that Medicare Part D Prescription Plans control costs is with medication management strategies. These strategies are implemented by:

• Requiring prior authorizations
• Limiting prescribed quantities
• Step therapy

Step therapy is a process where you’re required to try an alternate medication that is usually less expensive prior to receiving the brand-name drug that was initially prescribed.

What If my Part D Plan doesn’t Cover the Medication I Need?

If you have been prescribed medication for a new condition and that drug is not on your Plan D formulary list, you or your doctor can request a formulary exception. To file the request you’ll need a written statement from the prescribing physician. A Medicare representative should respond to your request within 72 hours.

Does Medicare Cover my Covid-19 Vaccine?

You pay nothing for a Covid-19 vaccination with Medicare. There is no copayment or deductible. Additionally, the provider who gives you your shot is not allowed to charge you an administration fee. Medicare Part D covers

all vaccinations. 

Coverage Periods

Your out-of-pocket drug costs will change throughout the 4 phases of Medicare Part D. Those phases are:

• The deductible period
• The initial coverage period
• The coverage gap (donut hole) period 
• Catastrophic coverage period

Deductible Period

When you first enroll in Part D, you will have to pay the full negotiated cost of your medications until you reach your deductible. Deductibles vary among plans but must stay below $445 for 2021. There are Part D plans that have no deductible. The negotiated costs are the price that the private Plan D insurance providers agree upon with drug manufacturers.

Initial Coverage Period

Once you’ve met your deductible, Medicare helps to pay a portion of your drug costs. You’ll be responsible for the copayment or coinsurance amount specified in your plan. Medicare beneficiaries who take few medications stay in this period for most or all of their coverage year. 

The Medicare Donut Hole

After the total cost of your prescription drugs reaches a specific amount ($4,130 for 2021) you enter a coverage gap phase referred to as “The Donut Hole”. The $4,130 amount represents total costs – the combination of your copayments and the amount Medicare paid for your prescriptions. While you are in the donut hole, you are responsible for paying 25% of the cost of your medications. 

As an example, if you are in the donut hole and fill a prescription with a cost of $80, you are responsible for paying $20 out-of-pocket. When the total cost of your medications for the year reaches $6550, you leave the donut hole and enter the Part D Plan phase called “Catastrophic Coverage”.

Catastrophic Coverage

When you reach $6,550 in out-of-pocket prescription drug expenses in 2021 you’re out of the coverage gap. This represents your maximum out-of-pocket expense for prescriptions during the coverage year. As soon as you clear the coverage gap (the donut hole), you are automatically bumped into the “catastrophic coverage.” phase. With catastrophic coverage, you are only responsible for paying coinsurance of about 5% until the end of the coverage year. 

The Take-Away

If you’re currently on Medicare or will be eligible soon, Medicare Part D can help with your out-of-pocket cost for drugs. Plans differ by benefit level, formularies, and deductible amounts. It’s wise to research plans to find the best fit for your budget and the specific medications that you need. You can also choose a Medicare Advantage (Part C) Plan that includes prescription drugs. 

2020 census data tells us that 76.4 million Baby Boomers are currently living in the U.S., with the youngest of them turning 65 by 2030. (That’s about 10,000 Americans a day who are turning 65.) It’s no secret that most seniors want to stay at home and remain independent for as long as possible. In fact, there is an entire multi $billion industry that has sprung up to help assist those seniors who prefer to “age in place” in the comfort of their own homes.

With the explosive growth of digital technology in the last couple of decades, we’ve progressed from simple home monitoring systems to wearable technology that performs multiple functions, including the real-time sharing of essential health data with healthcare professionals and caregivers. Rapid results can save lives when timing is critical. We’ve come a long way from the days when the best option was to hang a bulky call button from a lanyard around the neck. 

Health Tracking Devices

Wearable tech is not just for the fitness buff wanting to keep track of their daily activity and calories burned. Health tracking devices, worn around the wrist, can now monitor all that plus your heart rate, the quality of your sleep, and yes, even tell you the time. These watches, first worn by athletes and weekend warriors, now come in a variety of styles and price ranges for practical everyday wear.

You may be surprised to find out that those ubiquitous fitness trackers were invented in 1965 by Dr. Yoshiro Hatano, a Japanese professor at the Kyushu University of Health and Welfare. While researching obesity, he discovered that by taking 10,000 steps a day, your body could maintain a healthy balance between calorie intake and activity. He called it Manpo-Kei, which literally translates to 10,000 steps meter. The Fitbit and other fitness trackers still use 10,000 steps as the daily activity goal for an adult.

Speaking of Fitbit, seniors will love the Fitbit Charge 4 and its easy-to-use features. Features like the 24/7 heart rate monitoring use advanced heart rate sensors and algorithms to monitor heart variability. It can also measure your breathing rate, oxygen saturation level, and rate the quality of your sleep. And, of course, it has all the fitness functions you’d expect, like counting daily steps and tracking pace, distance, or workout intensity. And, if your workouts aren’t on dry land, the device is water-resistant up to 50M.

If you’re more the athletic type, you might want to try the Garmin vivosmart 4, with its dedicated activity timers and goal alerts for walks, cycling, runs, strength training, yoga, swimming, and more. The vivosmart 4 also monitors heart rate, sleep quality, and oxygen saturation. Both watches cost about the same, are compatible with some apps, and give vibration alerts for incoming texts and calls from your Android phone.

Both are relatively easy to set up, so don’t be intimidated if you’re not the techy type. There are several online resources available to help you with the initial setup and troubleshooting. Many online companies, like udemy.com and skillshare.com, offer technology education, but they charge a monthly subscription fee for their classes. Or, check out the free Tech Hour on MyHealthangel.com to get the most out of your smart devices. Instruction is live, so you can get your questions answered by a tech expert.

Senior Wearables

If safety and simplicity are your priorities, check out the Freedom Guardian 2.0 watch from Medical Guardian. This discreet 24/7 monitoring system looks like a smartwatch, so no one needs to know you’re wearing a medical alert system. The Freedom Guardian has built-in GPS, heart rate monitoring, and easy-to-schedule medication alerts. Call for help with the push of a button, and a live operator will stay on the line with you until emergency personnel arrive.

Another device in the senior wearables category comes from Lively; the Wearable 2 can be worn on the wrist and offers a 24/7 monitoring service. Press the Urgent Response button, and an operator will assess the situation and dispatch help right away. You can also speak to a doctor or a nurse anytime about less urgent matters. Track your steps, get daily health tips, and 

relax knowing that the Wearable 2 has fall detection. If you’re unable to call, an operator will call 911 for you. 

Smartwatch for Older Adults

If you’ve got a larger budget, the Apple Watch 6 is worth a look. Take an ECG and provide critical data to your physician, measure your oxygen level, and get tips to improve the quality of your sleep. See your fitness stats at a glance and check your distance, pace, and elevation, all while you listen to your favorite music. Stay healthy, active, and connected with the Apple Watch Series 6 and look great, with a number of different metals and band styles to choose from.

Apple thought of everyone with this version; by adding fall detection, activity monitors, and expanding the crisp, always-on retina display. Add WiFi access, cellular options, and GPS, and you’ll start to hit your exercise goals by closing three activity rings.

Best Health Watch for the Elderly

We’ve come a long way since the world re-discovered the achievable and straightforward goal of  Manpo-Kei or 10,000 steps a day. But, unfortunately, keeping active, healthy, and connected isn’t as simple as it sounds. Technology can often be baffling, with cryptic directions and a whole new lexicon of words and acronyms that seniors need to learn. And there’s nothing more frustrating than spending hours on hold waiting for technical support.

Sign up for My Health Angel’s popular live events to unravel the mystery behind the technology of computers, smartphones, and smartwatches. Learn to customize your devices, install compatible apps, and sync your wearable device with a computer or smartphone. You’ll find the technology hours mostly on Mondays but check the calendar to make sure. Then, ask questions live and learn pointers from a technology expert who understands just how confusing some of this can be.

Does Medicare Cover Insulin?

The cost of insulin has been soaring over the last decade. For diabetics on Medicare, the out-of-pocket costs can be overwhelming. The Centers for Medicare and Medicaid Services estimates that 1 in 3 Medicare recipients is diabetic and a large percentage of those diabetics require insulin to manage their health. 

The Medicare Part D Senior Savings Model

In May of 2020, the Centers for Medicare and Medicaid Services (CMS) approved a change to insulin prices based on The Medicare Part D Senior Savings Model. The goal of the model is to test a 5-year plan where private insurance companies and drug manufacturers cover a large portion of the price of insulin to make the cost of this critical medication more manageable for diabetics enrolled in Medicare. 

How Does Medicare Cover Insulin Cost under the New Model?

The model involves having private insurers offer Medicare Part D enhanced plans for insulin users starting in 2021. The enhanced plans will have a price cap for insulin. Manufacturer rebates will partially offset the difference between the actual cost of insulin and the price cap. These rebates will apply to insulin costs by the insurance providers who offer the Medicare prescription drug plans. The CMS projects manufacturer rebates will cover an estimated $250 million of insulin costs over the model’s 5-year test period.

To receive price cap savings, Medicare recipients must opt-in to an enhanced Part D prescription drug plan or a Medicare Advantage Plan that includes prescription drug coverage. Plan providers do not automatically enroll diabetic Medicare recipients in these enhanced plans because most Medicare beneficiaries are not insulin users. 

If you choose to opt-in to an enhanced plan, it caps Medicare copays in all four phases of the coverage year, including the donut hole. The four phases of the coverage year are:

• The deductible phase
• The initial phase 
• The coverage gap (or donut hole)
• The catastrophic phase 

How Much Does Insulin Cost under the New Model?

This is the easy part. If you enroll in a Medicare Part D enhanced plan that includes the price cap, then your co-pay for insulin will be no more than $35 for a 30-day supply. This price cap applies to the first 3 phases of your Plan’s coverage year. Once you reach the catastrophic phase, you are only responsible for a 5% co-pay.

The goal is to provide pricing stability for diabetic seniors, many of which are living on a fixed-income budget. The CMS estimates that cost savings for diabetics under the new pricing model could be as much as 66% per year. Their analysis shows that 2019 Medicare Part D Plan recipients frequently paid over $1,100 each year just for insulin. 

How Much is Insulin under a Basic Medicare Part D Plan?

The 4 coverage phases of a traditional Medicare Part D Plan results in a wide range of insulin costs over the year. So, budgeting for insulin under a traditional Part D plan can be stressful and difficult. 

For instance, during the first phase, Medicare recipients are responsible for the total cost of insulin until they reach their deductible. The initial phase follows, providing some price stability until you reach the coverage gap. Insulin costs are higher during the coverage gap (the donut hole) because you have a 25% copay for all prescription drugs until you reach the catastrophic phase. 

The new pricing model for enhanced Medicare Part D plans will limit the total cost to around $440 annually. This is great news for diabetic seniors on Medicare who desperately need insulin price stability. 

Additional Considerations 

There are a few limitations to consider before you choose to opt-in to a Medicare enhanced plan to benefit from the new insulin savings model.

Higher Premiums

Most Medicare enhanced prescription drug plans come with a higher premium to offset some of the extra costs incurred by insurance providers. The premium for enhanced plans is decided by the private insurance companies that manage them. In 2020, the difference in cost for premiums between average Medicare Part D plans and enhanced plans was at least $20 per month and sometimes more.

Other Restrictions 

If you are a Medicare recipient on an enhanced plan and receiving a Low-Income Subsidy (LIS) then you are not eligible for the new insulin price cap. Additionally, the new model doesn’t have provisions for a Part D drug plan management strategy referred to as “non-medical switching”. 

An example of non-medical switching is when your insurance company requires you to use a generic brand of prescription medication instead of the doctor-recommended name brand. The insurance plans that enforce non-medical switching do so to control medication costs.

The CMS allows Part D Plan providers to cover a wide range of insulin brands under the model’s price cap. However, those providers are not required to offer plan recipients a choice of insulin brands. As a result, if you choose to opt-in you may have to change insulins to receive the discounted price.

It’s important to note that Medicare currently covers approximately 15% of the total population. The Part D Senior Saving Model is only available to seniors over the age of 65 who are Medicare recipients. Diabetics who are below 65 and are struggling with the high cost of insulin are not eligible. 

The Take-Away

Without a doubt, the Medicare Part D Senior Savings Model is the first step to more affordable insulin costs for individuals and families living with diabetes.

If you are eligible for Medicare and require insulin to manage your health, you can research enhanced Medicare Part D plans and Medicare Advantage plans that provide insulin savings. Remember, you must choose to opt-in to a qualified plan to receive the discounted copay. If you find a plan with a monthly premium that fits your budget, be sure to review the plan’s formulary to make sure that your preferred insulin brand is included.

According to the Social Security Administration, over 69 million Americans currently receive some form of monthly benefits. Though many people think of Social Security as a retirement program, there are other circumstances that qualify for benefits. Those include seniors over 62, workers who have become disabled, and families who have lost a parent or spouse. 

Social Security for Seniors

Though all SSA recipients are eligible for a benefit increase in 2022, let’s focus on Social Security for Seniors. The total amount of Social Security income you’ll receive depends on:

• Your contribution to the program based on your lifetime earnings 
• The age that you choose to begin receiving benefits
• Your eligibility to receive a spouse’s benefit instead of your own 

Senior Cost of Living

As the pandemic enters its second year, the hits to the economy keep coming, with rising prices on many of our basic goods and services. If you’ve waited until retirement to begin traveling, you’ve undoubtedly noticed that prices for gas, hotels and rental cars are currently at record highs. Even the cost of services like Airbnb, Vrbo, Uber, and Lyft are soaring. And it’s not just the travel industry seeing these types of increases. It seems like everyone is raising prices to compensate for much of their lost 2020 revenue.

It’s not just above-average inflation pushing prices higher in so many areas of the economy. Changing business models, heightened demand, and delays in the supply chain are all contributing factors. Here are some goods and services you’re likely to be paying more for in the coming months:

• • Gas: According to data from AAA, customers will continue to pay more than $3 per gallon at the pump for the foreseeable future. The national average price per gallon has not been this high since 2014.

  • Cars: Due to supply chain delays and economic uncertainty, car dealerships have a fraction of the vehicles they typically have on the lot. According to JD Power, the average new car price hit a record $38,255 in May 2021, up 12% from the same period a year ago. And fewer new cars means fewer used cars available for purchase. As a result, retail used car prices are up 20%. Higher wholesale prices are heading in a direction that says more significant increases are on the way.

• Rideshare: With a massive shortage of drivers, riding with Uber or Lyft can cost up to 40% more than the previous year.Even loyal rideshare customers are using taxis again to save money. 

• Restaurants: Menu prices are up 4% in full-service restaurants and over 6% at restaurants with counter service. Rising costs related to gas and employee pay are significant contributors to why restaurant prices are steadily increasing.  

• Groceries: According to the USDA, grocery store food prices are expected to rise as much as 3% this year. In 2020, the cost of meat soared nearly 10% due to plant shutdowns and rising transportation prices. And now, in 2021, it’s fresh fruit prices that consumers will need to keep an eye on.

• Hotels and vacation rentals: After staying close to home for so long, travelers are flying, hitting the road, and booking cruises again. We already know gas prices are up, so we expect to pay more for airline tickets and road trips. However, you may be shocked at the room rates you’ll be paying at hotels and private vacation rentals. 

• Homes: A real estate boom is underway, with homeowners entertaining multiple offers, routinely selling over the asking price. According to the National Association of Realtors, the median existing-home sale price was $363,300, up nearly 25% from 2020. Unfortunately, rents are also up everywhere, as the median cost for a one-bedroom apartment tops $1200 a month.

What is COLA?

In theory, the Social Security Cost of Living Adjustment (COLA) helps protect SSA benefits from inflation and is driven by changes in the consumer price index. The Consumer Price Index (CPI) is an economic measure that examines the weighted average of prices of everyday consumer goods and services, like transportation, food, and medical care. 

National average prices are used and calculated as the percentage increase between average prices in the third quarter of the current year and the previous year’s third quarter. 

For decades the average COLA has hovered around 3%, giving retired seniors and other SSA recipients a modest bump in their monthly amounts.

Social Security Adjustment

In 2021, the Social Security adjustment was a measly 1.3%, the smallest cost-of-living adjustment (COLA) since 2017. Considering that recipients were initially faced with a freeze in their benefits, many considered themselves lucky to have received any increase at all. 

The average monthly Social Security benefit payable in January 2021 increased by $20, from $1,523 to $1,543. In addition, the average monthly benefit for a couple receiving benefits rose $33, from $2,563 to $2,596. And the maximum Social Security benefit for a worker retiring at full retirement age increased from $3,011 per month to $3,148, an additional $137 a month.

As the economy continues to improve and employees get back to work, SSA recipients can expect a significant increase in their 2022 benefit checks. According to the September Kiplinger Letter forecast, the COLA may be as high as 6% in 2022, the most significant jump since 1982, when benefits increased by 7.4%.

With a 6% COLA, that same $1,523 check we mentioned earlier increases to $1,614. The average monthly benefit for a couple who receives benefits jumps from $2,563 to $2,716. The maximum Social Security benefit for a worker retiring at full retirement age increases a $3,011 check to $3,191. 

Social Security for Older Adults

Every little bit helps when it comes to making ends meet on a fixed income. So, what do you need to do to get the adjustment? Absolutely nothing. The benefits increase is effective on January 1, 2022 and will automatically appear in your check or direct deposit.