Newspaper Archive of
Mukilteo Beacon
Mukilteo , Washington
June 21, 2006     Mukilteo Beacon
PAGE 13     (13 of 20 available)        PREVIOUS     NEXT      Full Size Image
PAGE 13     (13 of 20 available)        PREVIOUS     NEXT      Full Size Image
June 21, 2006

Newspaper Archive of Mukilteo Beacon produced by SmallTownPapers, Inc.
Website © 2022. All content copyrighted. Copyright Information.     Terms Of Use.     Request Content Removal.

j-- June 2006 - Mukilteo Beacon - 13 ~THE SAVVY SENIOR the Beacon o e o ** e e o o o e Dear Savvy Senior: Do you have any sugges- tions on how seniors can get affordable or discounted den- tal care? I had family dental insurance through my work for many years but lost it when I retired. What can you tell me? Toothless Tom Dear Tom: Taking care of your mouth these days can take a big bite out of your budget. While there's no simple solution to affordable dentalcare, there are some op- tions and re- sources that can help. Here's what you should know: Dental Discounts Since most Americans lose their dental insurance ben- efits when they retire, the majority of people over 65 pay out-of-pocket every time they visit a dentist. Adding to the problem is that Medicare doesn't cover routine dental care and more than 80 percent of older Americansdon'thave seniors at a reduced rate or private dental insurance, for free. Here are some to look Yet older adults need dental into: care more than any other age Dental schools: Most den- group. So what's a person with tal schools have clinics that no dental insurance do? Here allow dental students to gain are some tips to consider: experience treating patients Ask for a discount. If you while at the same time offer- pay for dental care (out,f- ing care at a reduced cost. pocket) up front, you're sav- Contact the dental school in ing your dentist's office the your area to see what's avail- cost and hassle of filing an able. See the American Dental insurance claim, so it's not Education Association web- unreasonable to ask for a 10 site (www.adea.org/links) for percent discount, a list of links to all U.S. dental Join a dental discount schools. plan. Not to be confused with Local services: There are dental insurance, a dental a few states, as well as vari- discount plan can be a cost-ef- us local organizations and fective option that can reduce clinics, that offer discounted your dental care expenses, dental care to seniors with How it works is you pay an an- limited income. Services will nual membership fee (around vary by community. $100 for an individual and To find out what's avail- $150 for family) in exchange able in your area contact your for discounted prices from the state dental association, local plan's participating dentists, dental society (see www.ada. Typical savings range org/ada/organizations for between 20 and 30 percent, contact information)or your though it can be higher de- Area Agency on Aging. To get pending on the procedure, your local aging agency num- To find a reputable discount ber call 1 800)-677-1116. plan, visit dentalplans.com or Bureau of Primary Health call 1-(888) 32-5353 where you Care: A sector of the Health can search for plans and par- Resources and Services Ad- ticipating dentists by zip code, ministration, they provide as well as get a breakdown of federally funded community the discounts offered, health centers nationwide - many of which provide dis- Dental Care Resources counted or free dental care ~.~ If you're strapped for cash i.E there are various resources that provide dental care to 20 munication design); YuIiya Nikolayevna Lepkova, bache- lor of arts (laws, societies & justice); Pearl Bohan Li, bach- elor of arts in business ad- ministration (finance; mktg); Andrew Lo, bachelor of arts (english); Lauren Eliza- f elor of arts (anthropology); Kelsey L Huff bachelor of arts, (interdisc studies: glob- al studies); Fernanda Pires Imamura, bachelor of arts (communication); Taek Won Job, bachelor of arts (eco- nomics); Ara Chi Jung, bach- elor of arts (french);Olivia Jessica Kane, bachelor of sci- arts (psychology); Teryl Anne american studies); Chan- da Floy Rivera, bachelor of arts (sociology); Jenna Jeeyeon Shin, bachelor of arts in business adminis- tration (marketing); Jacob Travis Smith, bachelor of arts (near eastern studies: beth Maynard, bachelor of tang & civ); Nicole Marie Spadafora, bachelor of sci- ence (biology: physiology); Peter John Spadafora, bach- elor of arts in business ad- rain (entrepreneurship); Erin Kathryn Straube, bachelor of arts (psychology); Aaron Won Suh, bachelor of arts in busi- ness administration; Elizabeth Ashley Uttecht, bachelor of arts in business administra- tion (accounting); Mariko Watts, bachelor of arts (japa- nese); Young All Yi, bachelor of arts (sociology). ence (biology: general); Dawn Jo-Ann Kelly-Long, bachelor of science in nursing;, Seong Hyun Kim, bachelor of arts (economics); Kimberly Yuko Kushibuchi, bachelor of arts in business administration; Aaron Wmcent Lee, bachelor of arts (sociology); Edward Hwang Lee, bachelor of sci- ence in electrical engineering, Mark Sungho Lee, bachelor of arts (interdisciplinary visual arts); Mark Sungho Lee, bach- elor of fine arts (visual corn- Neff, bachelor of arts (sociol- ogy; psychology); Mary El- len tars n, bachelor of arts (design & planning:architec- tural studies); James Richard Potter, bachelor of fine arts (ceramics); James Richard Potter, bachelor of arts (inter- disciplinary visual arts); Hel- en Haeyoun Ra, bachelor of arts (sociology); Aldls Georg Raisters, bachelor of science in chemical engineering; Brian Mark Rhodes, bach- elor of arts (interdisc st: g~ER, FROM PAGE 12 eooooooooooeaooeoooooooooooeoeeoeeloeooooooo oo * es. Exhaustion, sore joints, record how much weight you and painful muscle pulls are Measuring your progress lift and how many times you not normal, can motivate you. Test your- lift that weight. 6) Always warm up before self before starting to exer- For balance, time yourself stretching exercises, cise to get a baseline score, as you stand on one foot, with- 7) Stretching should never Test and record your scores out support, for as long as cause pain, especially joint each month, possible. Have someone stand pain. The following are some near you in case you lose your 8) Never bounce into a tests you can use, if your doc- balance. Repeat the test while stretch; make slow steady tor approves, standing on the other foot. movements instead. For endurance, see how Remember above all, ex- 9) TO prevent injuries, use far you can walk in exactly ercise should make you feel safety equipment such as hel- six minutes. For lower-body better. mets for biking, strength, time yourself as If youhaveaquestion, con- 10) You should be able to you walk up a flight of stairs tact me at fredcicetti@gmail. talk during endurance exer- as fast as you can safely, com cises. For upper-body strength, ]'be skiLLed, James M. "Jay" Co(~, MD Robert D. DeFrans,/~) Philip D. Feliciano, MD W. ~rtey Mclntyre, MD Mark Papenhausea, #D VEiN CENTER AT MILL CREEK The Radia Vein Center at Mitt Creek ,~A Park Ptace Center 15224 Main Street, Suite 303 MiLl Creek, WA 98012 Office and Scheduting: (425) 740-2180 www.RadiaVeinCenter.net & 2005 CLOSE-OUTS! ! I Woods, irons, Wedges, Putters, & Bags * Custom F/if/rig a~/de for/engfh, gr/p s/ze,//e a~ & flu. Mares 6oil Taylor Made IRleist Mizuno Callaway Golf Cobra PIN6 and more!!! Raising the Bar El zab h Er kson Ch, nCr/a3ro e," (425) 5o8-14o5 Toll Free (866) 494-43oo 61o 5th Street, Mukilteo I was recently shown a form by clients who'd had representation by one of the larger companies in our state. It was tiffed that company's "Addendum to the Purchase & Sale Agreement; Lifetime Home Care Service - Buyer Services Guarantee." These were a few of the 13 guarantees listed: 1. Counseling Session 3. Offer preparation: write offer 6. Offer Presentation: present offer 9. Escrow Opening. 13. Loan Approval - We will forward to your lender all documents requested by your lender My favorite was #4 Home Warranty- We will explain to you the many benefits of a Home Warranty plan (not provide one!) Now normally, a list explaining their DUTIES as your agent, as required by the state of Washington's Law of Agency, would be a fine thing. The agent is being paid a commission for these standard services, in this case over $12,000 But the rub on this one is that the Company, for these standard 'guarantees' charges the client $295 at close of escrow $295! This form had been presented to the clients in their signing of the contract. They signed it; but when reviewing escrow documents they felt taken: they had been. Aft forms you sign should be reviewed carefully but when you're asked to sign a company specific form you should read extra carefully! This is a'junk fee. Multiply it times 60+ agents, thousands of contracts in a year, & you can only begin to see some of the greed in this industry. When does the word' enough' come to play? Get referrals. Where's your favorife tighfhouse? Ci eck out all file Iocafions af mukilfeobeacon.com