Newspapers / The Perquimans Weekly (Hertford, … / Sept. 11, 1986, edition 1 / Page 15
Part of The Perquimans Weekly (Hertford, N.C.) / About this page
This page has errors
The date, title, or page description is wrong
This page has harmful content
This page contains sensitive or offensive material
Medicare handbook available to elderly free of charge RALEIGH? The North Carolina Department of Human Resources' Di vision of Aging in cooperation with the N.C. Department of Insurance have co-produced a new booklet de signed to help older citizens better un derstand Medicare and other kinds of supplemental health insurance. "Medicare Handbook" is now avail able free of charge upon request. Medicare is a federal health insur ance program for people 65 years of age and older, and for some disabled senior citizens. It is designed to help pay for doctors' treatment, inpatient and outpatient hospital care, outpa tient physical therapy, inpatient care in a skilled nursing facility, and home care provided by a home health agency: Medicare covers only about 40 per cent of the total cost of medical care for the elderly. However, many older adults still believe that Medicare pays for all of their medical coats, according to a recent survey by the American Association of Retired Per sons (AARP). Medicaid coverage is divided into two parts: Part A is hospital insur ance, while Part B covers doctors' and outpatient services. There is no charge for Part A. It covers approved care in a hospital, a skilled level nursing home, a hospice, or care at home provided by a home health care agency. These facilities must be certified by Medicare. Medicare pays the hospital insur ance (Part A) according to benefit pe riods. A benefit begins the first day in a hospital and ends when a patient has been out of a hospital and ends when a petient has been out of a hospi tal or skilled nursing home 60 days in a row. Benefit periods are important became Medicare will only cover hos pital bills for ISO days during each benefit period. In reality, Medicare does not cover long-term nursing care. It may cover nursing home bills for 100 days during each benefit period, but this is not guaranteed. However, it will pay for approved stays in a skilled level nurs ing home after a person has been in a hospital for 3 days. However it's im portant to remember that sofne nurs ing homes do not provide skilled level care. Part B of Medicare covers doctors' services and out-patient care. When a person enrolls in Part A of Medicare, he or she automatically becomes en rolled in Part B. If a person does not want Medicare Part B coverage, he should specify that. There is a monthly premium for Part B, but the federal government pays over half of the actual coat. Part B pay* for 80 percent of covered doc tors' services and out-patient care. However, Medicare determines what it considers is a reasonable charge for expenses. There are a number of items that Medicare does not cover. These in clude bearing aids, glasses, a private hospital room, private duty nursing, convenience items such as telephone or television, and many prescription and non-prescription drugs taken by a person when he or she are not in the hospital. When looking for health insurance to supplement Medicare, people should only consider a policy that cov ers deductibles and co-payments, the difference between their actual bills and Medicare's "reasonable charges," and the items that Medi care simply does not pay for. When buying supplemental health insurance be sure you understand terms such as pre-existing conditions, exclusions, benefit limits, deduct ibles, and renewals. Also And out whether or not the policy is easily re newable, and learn about the differ ent types of insurance policies that are available. The Division of Aging and the De partment of Insurance have received complaints in recent years about forceful selling or pressure tactics by agents, misrepresentation of compa nies, and advertising that makes it appear that the federal government is endorsing a particular company. No private insurance company selling Medicare Supplemental Insurance is connected with or recommended by the government. Don't be fooled by advertising claims. We also recommend that a person not buy the first policy offeered, not buy more insurance than is needed, take the time to decide on a policy and be careful about replacing an old pol icy with a new one. When you have decided which pol icy to buy answer all questions in the application, and don't pay cash. Also, ask for a signed receipt with the pol icy number on it. After purchasing a policy, a person should pay the premium on time, and keep the policy updated because Medicare benefits change every year. Whenever you receive treatment al ways show your Medicare card along with any other insurance cards. This will begin the claims process. For additional information as well as a free copy of "Medicare Hand book" contact the North Carolina Di vision of Aging, 1965 Umstead Drive, Raleigh, N.C. 27603, (919) 733-3963 or the North Carolina Department of In surance, P.O. Box 26387, 430 N. Salis bury St., Raleigh, NC 27611. Association fighting for rights of children After 10 years in which North Caro lina has been operating under a law requiring educational opportunities be provided for all "special" chil dren, the Association for Retarded Citizens-North Carolina is struggling to expand a program to assure that the rights of these young people are upheld throughout their lives. Public Law 94-142 was the land mark legislation that opened up the public schools to children with physi cal, mental and emotional chal lenges. Through this newfound access to education, many of these special children developed a sense of self worth and independence that had pre viously been denied them. For those with severe mental retar dation and other developmental disa bilities, however, other means are needed to assure that their rights con tinue to be protected throughtout their lives. To this end, the ARC-NC launched in 1984 its LIFE guardianship Program? a corporate guardianship program that allows the association to be named the legal de cisions about important aspects of their lives. The ARC-NC currently is in a drive to expand the LIFEguardianship Pro gram, which serves 30 wards through ( local ARC . chapters in Buncombe, Stanley, Leniorv Wake, Yancey and . Mecklenburg counties, as well as in the Greensboro area. Individuals re ceiving these services live in group or nursing homes in their communities, or in regional residential centers like Caswell Center in Kins ton, Murdoch Center in Butner, O'Berry Center in Goldsboro, or Black Mountain Cen ter. Mrs. Julie Ewing, director of the LIFEguardianship Program, said there are as many as 500 adults with mental retardation in North Carolina who are eligible for the program, and the number is expected to grow. Personal representatives meet reg ularly with their wards and let offi cials at the ARC-NC in Raleigh know what the legal needs of their wards are. They also offer care and compas sion that is sometimes lacking in in stitutional settings, Mrs. Ewingsaid. In an effort to raise additional funds beyond state and federal grants it re ceives for the LIFEguardianship Pro gram, the ARC-NC has set a goal of $1 million to be raised for the endow ment to provide a firm financial base for the program. Small business meeting set Small business owners with limited budgets will learn new ways to get the most form their advertising dollar next week when they attend a three hour, cost-free workshop co-spon sored by the Small Business Center at College of The Albemarle and the Edenton Chamber of Commerce. Consultant Mike Collins, currently associated with Fan Publishing Com pany in Raleigh, will conduct "Low Cost Marketing for Small Business" at 7 p.m. on Tuesday, Sept. 16 in the chamber boardroom. The vest-pocket course is packed with practical ways individual businesses can determine what their marketing needs are, and then develop plans that will produce optimum returns for their advertising expenditures. Collins uses the successful sale of his book, "North Carolina Job-hunt ers Handbook," as an example of low cost marketing. With an advertising budget of only $300, the book's promo tion resulted in the sale of more than 5,000 copies during its first six months. The consultant earned his bache lors degree in radio, television, and motion pictures from the University of North Carolina at Chapel Hill. To subscribe call 426-5728 GATHER UP ALL THE SAVINGS AT < INDIAN SUMMER FESTIVAL Sept. 12 & 13th WHITE HAT SEED FARM INDIAN SUMMER SPECIALS ? LADIES BLOUSES *000 WERE 6.99 NOW 0 ? LADIES FALL JACKETS S1099 WERE 38.00 NOW 17 ? LADIES LEATHER SHOES li2?o ? GIRLS & LADIES DRESSES '10" am ur ? MEN SHORT SETS <1/199 WERE 19.99 NOW 1U $49w .? 100% SILK DRESSES >19" ? LADIES SUITS AS LOW AS ... ? LADIES SKIRTS S099 WERE 18.99 NOW 51 ? GIRLS SKIRTS SCM WERE 12.99 NOW 0 ? LADIES PANTS *12* AND UP ? LADIES SHORTS $099 ? OLEG CASSINI BAGS WERE 79.99 NOW s29" SHE BOUTIQUE US 17 BYPASS HERTFORD, N.C. THE PERVUIM4NS WEEKLY Classifieds c L A S S I F I E D S D O T H E J O B F O R Y O U 1-LIST A FISM FOUND A sure-fire way to make money fast! Sell those items that you don't use any more through the classified section of The Perquimans Weekly. Our economy rates for classified ads make it easy for you to show a profit. To place your ad call Debbie at 426 5728 today! 4-KLP WAITED HOMEWORKERS WANTED? Top Pay; Work at Home; call Cottage Industries (405) 360-4062. Sept. 11 A-SITVATWtt VAVTB Elderly lady needs someone to live in? Must have transportation; ap ply at 713 Penn. Ave., Hertford. Sept. 11 ?-SKCUU. sums AARON HlkRRELL ? Specializing in concrete driveways, asphalt patchwork, and sidewalks. Call 426 7770. 7-Wt.HIXU Farm and commercial buildings for sale. J.H. Cuthrell Co.. call 1 800 482 7777. Washington. N.C. tfn 74MSC. FN SALE Rich, black fopsoil, white sand. Best available. We deliver or load your truck. 264 2361. May 20, tfn 1 Gold Swivel Rocker and Otta man; excellent condition, 1 small electric oven, 2 bar stools; call 426 5685. Sept 11 OWN YOUR OWN Jeans Sports wear. Ladies Apparel, Childrens Maternity, Large siies, Petite, Dancewear, Accessories or Bridal 9-MSMUS ?PfMTMTKS Shop. Jordache, Chic, Lee, Levi, izod, Gifano, Guess, Calvin Klein, Sergio Valente, Evan Picone, Liz Claiborne, Members Only, Gaso line, Healtex Over 1000 Others. $14,300 To $25,900 Inventory, Train ing. Fixtures, Grand Opening Etc. Can Open 15 Days. Mr. Sidney (404) 252 4489 list Tout Property With WILLIAM F. AINSLEY Realtor Hertford, N.C. DIAL: 436-7*59 SCUPPERNONG GRAPES PICK-YOUR-OWN PERRY'S FARM 50' per lb. special price *25.00 for 60 lb. Bushel 25c ADMISSION PER PERSON 8:30-5:30 MON.-SAT. CLOSED SUNDAY Take Grubb St. toward Tyner, go 5 miles turn right and follow signs. BY FLEETWOOD " TNI HOMI WITH IVKBYTHING ? STONE-FRONT FIREPLACE G.E. DISHWASHER DELUXE STOVE BUILT-IN MICROWAVE BUILT-IN STEREO DELUXE CARPET AND PAD ENERGY EFFICIENT DELUXE FURNITURE BEAUTIFUL BAY WINDOW PADDLE FAN IN GREAT* MASTER B.R PATIO SLIDING DOORS DORMER ON FRONT FROST FREE REFRIGERATOR AND MUCH, MUCH MORE!!!! 1 2*5 % A.p.a. With Approved Credit S Qualified Buyers azalea MOMU MOMIS OP N. ?.. IMC* Highway 64 By-Pass S \ Phor^ WHItamston, N. C. _ , f V, Read classifieds WINSLOW REALTY IB 335-1448 338 0888 805 W Ehrtnghaus St t li/abeth City NISSAN (fate RT. 17 ELIZABETH CITY 338-5161 SALES, SERVICE AND PARTS T. Erie Haste, Jr. Real Estate 146 Church St. Hertford, N.C. m Multiple Listing Senke MIS 426-521 1 Broker-Realtor EVmnUDE Er turn ti L\jttx)drCls WAREHOUSE SALES! Brand new Evkvudi & Mercury Outboard* Always 25% Off... More On Non-currents 919-482-8423 "OUTBOARDS | ?Q TED weeks, realtor W? SPECIALIZING IN ?Qt Holiday Island Lots ? Cottages / Mobile Homes W 426-7653 Holiday Island Box 275 Hertford, N.C. BANK NOTICE Request of Peoples Bank and Trust Company, Rocky Mount. Nash County, North Carolina, for au thority to close its West Office, 113-116 Edenton Road, Hertford, Perquimans County, North Carolina, effective October 29, 1986, has been filed with the Office of Commissioner of Banks to be processed in accordance with Rule 4 NCAC 3C .0202. The public is invited to submit written comments on this request to the Commissioner of Banks, Post Office Box 29512, Raleigh, North Carolina 27626 0512. The comment period on this request will end approximately 14 days from the fourth consecutive week of publication. The Commissioner of .Banks will consider comments, including requests for a public meeting or formal hearing on the request, received within the comment period. JAMES S. CURRIE Commissioner of Banks ANNOUNCING NORTH CAROLINA REAL ESTATE SALESMAN CLASS Fully certified and licensed by the North Carolina Real Estate Commission Earn Your Certificate In A Month's time CALL 335-1448 or 338-0688 for registration information
The Perquimans Weekly (Hertford, N.C.)
Standardized title groups preceding, succeeding, and alternate titles together.
Sept. 11, 1986, edition 1
15
Click "Submit" to request a review of this page. NCDHC staff will check .
0 / 75