Page 14 THE EVERETT ADVOCATE – FRiDAy, JAnuARy 9, 2026 ~ Everett Public Libraries Calendar of Events ~ January 12–17 Parlin Adult and Teens Gaming Club: Parlin YA Room, Tuesdays and Thursdays at 3 p.m.; join us for board games and video games at the library! Bring your own or play what we have here — for ages 12 and up. Yarn Club: Parlin Fireplace Room, Tuesday, January 13, at 7 p.m. Come chit-chat and stitch! Bring your crocheting, knitting or any other yarn craft and sit and socialize with other members of the crafting community — recommended for ages 14-109! Type of Person Needed: * Are you an experienced/willing to learn, motivated person looking for a shop where your skills can be valued? A local company with a fleet shop is a busy, family-owned business dedicated to providing high-quality transportation services and public State inspection services. We are seeking a talented Automotive Technician or mechanical knowledge to join our close-knit crew. If you are dependable and proficient in automotive technical work with a passion for excellent customer service, we want to talk to you. Location: Malden, MA Job Description: * Be able to acquire and maintain a certification for the State Inspection License. Perform light duty mechanical preventive duties, including Fleet preventive maintenance. * State Inspection Services * Miscellaneous shop duties Requirements: * Valid driver’s license with good driving history * Possess or pass the required State Inspector License Hours: Tuesday through Friday, 8:30 AM to 5:30 PM Saturday 8:00 AM to 3:00 PM * Rate will be based on experience Contact: Ed Hyde or David Morovitz Call: 781-322-9401 Email: ehyde@maldentrans.com Website: www.maldentrans.com Watch Anime! Parlin YA Room, Wednesdays at 3 p.m. Come to our new Watch Anime Club in the YA Room at the Parlin Library. Vote on and watch your favorite anime with your friends! Recommended for ages 11+. Parlin Children’s Grab n Go Crafts: Stop by ~ HELP WANTED ~ the Children’s Room every Monday for a Grab and Go craft — a self-directed arts and crafts program for children ages three to eight. Crafts can be taken home or crafted with a friend or caregiver at the library. No registration required, while supplies last. Study Buddies: Children’s Room, Monday through Friday from 3-5 p.m. Need homework help? Come to the Library and study with the Study Buddies, our free afterschool program offering tutoring and academic support for students in grades K-8. Friendly tutors are here to guide you through tricky assignments, help you prepare for tests and build confi dence in every subject. Lego Club: Parlin Children’s Room, Monday, January 12, from 3-5 p.m. Come to the Children’s Room after school on Mondays for some free Lego building fun. Open to all ages; children under six years old must be accompanied by an adult. No registration required. Storytime and Sing-along with Karen: Parlin Children’s Room, Wednesdays at 11 a.m. Join us for a fun-fi lled morning of singing and storytelling with Karen! Suggested ages: newborn to six. Drama Class: Parlin Children’s Room, Wednesdays at 3 p.m. Do you have a drama queen or king at home? Drama Class in the Parlin Children’s Department is the perfect opportunity for your child to put those acting skills to use with our drama coach! Suggested ages: six to 14. Storytime Adventures with Mrs. McAuliffe: Parlin Children’s Room, Thursdays and Fridays at 11:00 a.m. Join Children’s Librarian Mrs. McAuliff e for our enchanting Story Time! You will be whisked away on magical adventures through the pages of your favorite books. Bring a friend or make a new one in our circle EVENTS| SEE PAGE 15 Sa nir Sa a y Senior Seni by Jim Miller How to Appeal a Medicare Coverage Denial Dear Savvy Senior, What steps do I need to take to appeal a denied Medicare claim? Frustrated Retiree Dear Frustrated, If you disagree with a coverage or payment decision made by Medicare, you can appeal, and you’ll be happy to know that many appeals are successful, so it’s defi nitely worth your time. But before going that route, talk with the doctor, hospital and Medicare to see if you can spot the problem and resubmit the claim. Many denials are caused by simple billing code errors by the doctor’s offi ce or hospital. If, however, that doesn’t fi x the problem, here’s how you appeal. Original Medicare Appeals If you have original Medicare, start with your quarterly Medicare Summary Notice (MSN). This statement will list all the services, supplies and equipment billed to Medicare for your medical treatment and will tell you why a claim was denied. You can also check your Medicare claims early online at MyMedicare.gov, or by calling Medicare at 800633-4227. There are fi ve levels of appeals for original Medicare, although you can initiate a “fast appeal” if you’re getting services from a hospital, skilled nursing facility, home health agency, outpatient rehabilitation facility or hospice, and the service is ending. You have 120 days after receiving the MSN to request a “redetermination” by a Medicare contractor, who reviews the claim. Circle the items you’re disputing on the MSN, provide a written explanation of why you believe the denial should be reversed, and include any supporting documents like a letter from the doctor or hospital explaining why the charge should be covered. Then send it to the address on the form. You can also use the Medicare Redetermination Form. See CMS.gov/Medicare/CMSForms/CMS-Forms/downloads/ CMS20027.pdf to download it or call 800-633-4227 to request a copy by mail. The contractor will usually decide within 60 days after receiving your request. If your request is denied, you can request for “reconsideration” from a diff erent claims reviewer and submit additional evidence. A denial at this level ends the matter, unless the charges in dispute are at least $190 in 2025. In that case, you can request a hearing with an administrative law judge. The hearing is usually held by videoconference or teleconference. If you have to go to the next level, you can appeal to the Medicare Appeals Council. Then, for claims of at least $1,900 in 2025, the fi nal level of appeals is judicial review in U.S. District Court. Advantage and Part D Appeals If you’re enrolled in a Medicare Advantage health plan or Part D prescription drug plan the appeals process is slightly diff erent. With these plans you have only 65 days to initiate an appeal. And in both cases, you must start by appealing directly to the private insurance plan, rather than to Medicare. If you think that your plan’s refusal is jeopardizing your health, you can ask for an expedited (fast) request, where a Part D insurer must respond within 24 hours, and Medicare Advantage health plan must provide an answer within 72 hours. If you disagree with your plan’s decision, you can fi le an appeal, which like original Medicare, has fi ve levels. If you disagree with a decision made at any level, you can appeal to the next level. For more information, along with step-by-step procedures on how to appeal Medicare, go to Medicare.gov/claims-appeals and click on “File an appeal.” Also make sure to keep photocopies and records of all communication with Medicare, whether written or oral, concerning your denial. Need Help? If you need help fi ling an appeal, you can appoint a representative (a relative, friend, advocate, attorney or someone else you trust) to help you. Or contact your State Health Insurance Assistance Program (SHIP), which has counselors that can fi le your appeal for you for free. To locate your local SHIP, go to ShipHelp.org or call 877-8392675. Send your questions or comments to questions@savvysenior.org, or to Savvy Senior, P.O. Box 5443, Norman, OK 73070. nior ior
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