Page 23 - Senior Times South Central Michigan October 2020 - 27-10
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Do you know a friend or loved one who suffers from fear, anxiety, and depression and do not know what to
do?It can be frustrating to watch some- one you know suffer and not be able to help them.
Here are six ways to help the per- son cope in these kinds of situations and the best way to deal with anxiety.
Senior Times - October 2020 Mental Health
Page 23
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Stan Popovich, Special to Senior Times HELP A FRIEND WITH
1. Learn as much as you can in managing anxiety and depression. There are many books and information that will educate you on how to deal with fear and anxiety. Share this infor- mation with the person who is strug- gling with their mental health issues.
2. Be understanding and patient with the person struggling with their fears. Dealing with depression and anxiety can be difficult for the person so do not add more problems than what is already there. Do not get into argu- ments with the person who is having a difficult time with their anxieties.
3. Talk to the person instead of talking at them. It is important not to lecture the person who is struggling with anxiety and depression. Talk to the person about their issues without being rude. Most people will listen if you approach them in a proper manner.
4. Get Help. Seek help from a pro- fessional who can help your friend or relative with their mental health strug- gles. A counselor can give you advice and ideas on how to overcome anxiety, fear, and depression. Getting help from a professional is the number one pri- ority in helping your loved one deal with fear and anxiety. Joining a local mental health support group can also be helpful. Talk to your doctor to get more information about potential groups in your area.
Medicare Eligibility
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  5. Talk to the person on what could happen if they do not get help. Another way to convince the person who is struggling with fear and depres- sion is to tell them what may happen if they don’t get some assistance. Anxiety and depression can make things worse and usually it won’t go away by itself without some kind of treatment.
6. Find Out the Reasons Why the Person Won’t Get Help. Address the issues on why the person will not get the necessary help. Many people who are struggling are fearful and frustrated. Try to find out the reasons why he or she won’t get the help they need and then try to find ways that will overcome their resistance of seeking assistance.
For more information you can view the following websites: find-help/index.shtml
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Stan Popovich is the author of
the popular managing fear book, “A Layman’s Guide To Managing Fear.”
   Most Enroll at 65
By: Louise Norris
For most Americans, Medicare eli- gibility goes hand in hand with turning 65, but some people become eligible for Medicare earlier. Most Medicare beneficiaries receive Medicare Part A without a monthly premium, but some have to pay for it. And some beneficia- ries have to pay more than the standard amount for their Medicare Part B and Part D coverage.
• Most Americans become eligible for
• 15 percent of all Medicare beneficia- ries are under 65, and became eligible after receiving Social Security dis- ability benefits for two years or being diagnosed with ALS or end-stage renal disease.
• In order to enroll in Medicare Advantage, you must enroll in both Medicare Part A and Part B. Your Medicare Advantage plan will take the place of both parts, and will likely also include Part D prescription drug coverage.
• In order to get Medicare Part A with- out having to pay a monthly premium, you or your spouse must have worked for at least 10 years in the United States, paying Medicare taxes during that time.
• If your income is high (currently defined as more than $87,000 for a single person or $174,000 for a cou- ple), you’ll pay more than other
• •
people for your Part B coverage and your Part D coverage.
You’re eligible to enroll in Medicare Part D as long as you have either Medicare Part A or Part B.
If you’re enrolled in both Medicare Part A and Part B (but not Medicare Advantage or Medicaid), you’re eli- gible to enroll in a Medigap plan to supplement your Medicare coverage. You’ll have a six-month guaran- teed-issue window during which you can sign up for any Medigap plan available in your area. In most states and most circumstances, you’ll have to go through medical underwriting if you decide to apply for a Medigap plan after that window ends.
Prior to 2021, patients with end- stage renal disease were unable to enroll in Medicare Advantage plans unless there was a Medicare Special Needs plan available in their area for ESRD patients. But that is chang- ing for 2021, under the terms of the 21st Century Cures Act. People with ESRD have the option to enroll in Medicare Advantage for 2021, and CMS expects more than 40,000 to do so. This could be particularly advan- tageous for beneficiaries with ESRD who are under age 65 and living in states that don’t guarantee access to Medigap plans for people under the age of 65.
Medicare when they turn 65.

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