Page 65 - June 2022 Issue.indd

the letter for small print disclaimers that the sender is not

affiliated with the government. If that disclaimer is there, toss
it... it’s just advertising. SHORE MEDICARE SOLUTIONS LLC
Read on to see if you may qualify for assistance! Marti Wright • Owner
Qualified Medicare Beneficiary (QMB) acts as secondary Independent Insurance Broker
insurance for Medicare “A” & ‘B”. Income levels are $1,153. for a Over 25 Years Experience with
single and $1,546. for a couple monthly. Asset limits are annual
liquid assets not more than $8,400 for a single and $12,600 for a Medicare Supplement Insurance
couple. QMB is the only program designed to act as secondary Phone: (410) 443-1169

insurance. Specified Low Income Beneficiary (SLMB) pays Email: shoremedicaresolutions@gmail.com

only one’s part “B” premium. It’s important to know that having
your “B” premium of $170 per month taken care of is a huge
savings and may provide the monthly cash needed for the

beneficiary to buy a Medicare Supplemental policy.
Remember that Supplemental insurance is secondary insurance
one pays a monthly premium for to cover the “A” coinsurances
and “B” 20% copays. You have six months surrounding the
month of your 65th birthday, or retirement, to apply for this Skilled Nursing Facility 520 Kerr Avenue
essential insurance coverage without having to answer any We offer: Rehabilitation/Therapy, Respite, Denton, MD 21629
medical questions. Consult a licensed broker, or Mary Moran Dementia Care, Wound Care, IV Therapy, Phone: 410-479-2130
at 410-479-2535 before buying a supplemental policy. Do Palliative Care, and so much more! Fax: 410-479-3057
not buy this on the internet or by mail. You need to compare
Call us today!
premiums with a broker and be fully informed before buying.
Your home and vehicles are not considered in the liquid asset

test. The limits apply to cash in the bank, IRAs, pension funds, June News from Denton
and anything you can turn into cash, like a life insurance
policy. If a life insurance policy is going to stand in the way Senior Center
of qualifying for MSP, one might consider discussing prepaid

June is finally here and brought summer temperatures with
funeral arrangements with a funeral director. Prepaying for the
it. We have plenty of crafts and activities planned for this
services with that life insurance policy, particularly for those
month!!! To bring in summer, we will make a Wiffl e Ball Flower
with multiple small policies, is a perfectly legal way for you to
Pomander, flowers glued inside of a wiffle ball. We will have

reduce your assets.
our usual Snack and Summer Bingo games. We will decorate
Extra Help either places a cap on the cost of medications or our own shopping tote bags for the upcoming Farmer’s Market
establishes a 15% coinsurance, depending on one’s level of season. The Center will end the month of June with a July 4th

eligibility. It also pays all or most of the plan’s monthly premium lantern craft. June is World Elder Abuse Month, so we will

and reduces the amount of the plan’s annual deductible to $99 celebrate with an Elder Abuse Presentation & Lunch hosted
for 2022. by the Caroline County Department of Social Services Adult

Services Unit on the 29th. The new summer semester exercise

The benchmarks for Extra Help are as follows:
classes are about to start, call the Caroline Senior Center for
Full Extra Help allows $1,549 in monthly gross income with an information on class registration, dates and times!!!
asset limit of $9,900 for a single and $2,080 in monthly income Federalsburg Senior Center
with an asset limit of $15,600 for a couple.
June is the month when we remember and honor all fathers.
Partial Extra Help off ers a level of 15% copays with higher
maximum gross monthly income of $1,719 in monthly gross We will be celebrating Father’s Day on June 16th at the center.

income with an asset limit of $15,510 for a single and $2,309 The members will also participate in many other programs,

for a couple with an asset limit of $30,950. activities and craft s offered at the center.
• Every Tuesday at 10 am, Tyrell James
Go online to www.mysocialsecurity.gov to submit an
will present “Health Coaching.”
application, call Social Security at 888-347-9277, or call Mary

Moran for a hard copy app and more information. • Sail (exercise) is offered on Tuesdays and

Thursdays at 11 am. This program will end

Wishing a wonderful Summer to one and all! on June 9th and resume on July 5th.
• On the second Tuesday of June, Melanie Chapple from
University of Maryland will be taking blood pressure
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