Page 18 THE MALDEN ADVOCATE–Friday, August 26, 2022 avy eniiooravvy S iorn or avvyavy vvy io iori by Jim Miller What is an Annual Notice of Change? Dear Savvy Senior, Last year I received a “notice of change” letter from my Medicare provider. Should I expect another one this year, and what should I do with it? Medicare Rookie Dear Rookie, The letter you’re asking about is actually referred to as the Annual Notice of Change (or ANOC), which is a letter you receive from your Medicare Advantage or Medicare Part D prescription drug plan in late September. (People with only a Medigap plan don’t receive these because Medigap plans do not have benefi t changes from year to year). So yes, you should expect to receive another letter next month. The ANOC gives a summary of any changes in your plan’s costs and coverage that will take eff ect Jan. 1 of the next year. The ANOC is typically mailed with the plan’s “evidence of coverage,” which is a more comprehensive list of the plan’s costs and benefi ts for the upcoming year. You should review these notices to see if your plan will continue to meet your health care needs in 2023. If you are dissatisfi ed with any upcoming changes, you can make changes to your coverage during fall open enrollment, which runs from Oct. 15 to Dec. 7. Here are three types of changes to look for: Costs: If you have a Medicare Advantage plan, fi nd out what you can expect to pay for services in 2023. Costs such as deductibles and copayments can change each year. For example, your plan may not have had a deductible in 2022, but it could have one in 2023. A deductible is the amount of money you owe out-of-pocket before your plan begins to cover your care. Another example is that your plan may increase the copayments you owe for visits to your primary care provider or specialists. Coverage: If you have an Advantage plan with prescription drug coverage check to see if your doctors, hospitals, and other health care providers and pharmacies will still be in network for 2023. You have the lowest out-of-pocket costs if you go to providers and pharmacies that are in your plan’s network. If you see an out-of-network provider, your plan may not cover any of the cost of your care, leaving you to pay the cost out-of-pocket. You should also contact your providers directly to confi rm that they will still be accepting your plan in the coming year. Drugs: If you have prescription drug coverage, look through the plan’s formulary, which is the list of drugs the plan covers. Formulary changes can happen from year to year, so make sure the medications you’re taking will be covered next year, and that they’re not moved to a higher tier which will aff ect your copay. If you see any changes that will increase your costs, you may want to select a diff erent drug plan that covers all of your medications. If the formulary is incomplete, or you do not see your drug(s) on the list, contact the plan directly to learn more. If you have not received an ANOC by the end of September, you should contact your Medicare Advantage Plan or Part D plan to request it. This notice can be very helpful in determining whether you should make any changes to your coverage during the fall open enrollment. Reading your ANOC can also prevent any surprises about your coverage in the new year. Shopping, comparing and enrolling in a new Medicare Advantage or Part D plan during the open enrollment period can easily be done online at Medicare’s Plan Finder Tool at Medicare.gov/ fi nd-a-plan. Or, if you don’t have a computer or Internet access, you can also call Medicare at 800-633-4227 and they can help you out over the phone. Your State Health Insurance Assistance Program (SHIP), which provides free Medicare counseling, is also a great resource to help you make any changes. To fi nd a local SHIP counselor, visit ShipHelp.org or call 877-839-2675. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. - LEGAL NOTICE - Notice is hereby given that a COMMUNITY OUTREACH MEETING for a proposed Marijuana Establishment in accordance with M.G.L. c. 94G and the Massachusetts Cannabis Control Commission’s regulations at 935 CMR 500.000 et seq. is scheduled for: September 14, 2022, 6:00pm LOCATION: Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 Join Zoom Meeting: https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaG RKUT09 Meeting ID: 842 7397 9388 Passcode: 615269 The location for the proposed Marijuana Retailer is 36 Charles St., Malden, MA 02148. Topics to be discussed at the meeting will include, but not be limited to: 1. The type of Marijuana Establishment to be located at the proposed address. 2. Plans for maintaining a secure facility 3. Plans to prevent diversion to minors. 4. Plans to positively impact the community. 5. Plans to ensure the establishment will not constitute a nuisance to the community. There will be an opportunity for the public to ask questions. Please contact Attorney Roberto Di Marco with any inquiries at (781)322.3700 or rdimarco@fwd-law.com, or Peg Crowe (781) 248.4386 Thank you, DMS Trinity, LLC Esta noticia es para informarles que habra una REUNION DE LA COMUNIDAD en donde se les informara de la propuesta para establecer un negocio de Marijuana Establishment de acuerdo con M.G.L. c. 94G y la normativea de Massachusetts Cannabis Control de la Commission de 935 CMR 500.000 et seq. La reunion esta programada para: el 14 Setembro 2022, 6:00pm Loclizacion: Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 particpar de la reunión, en ZOOM : https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaG RKUT09 Meeting ID: 842 7397 9388 Passcode: 615269 La direccion propuesta para vender Marijuana sera en la 36 Charles St., Malden, MA 02148. Los temas que serán discutidos en la reunión incluirán, entre otros: 1. Detalles del tipo de establecimiento de marihuana que se ubicará en la dirección propuesta. 2. Plan de acción para mantener la seguridad en la facilidad. 3. Plans de acción para prevenir la distribución a menores de edad. 4. Iniciatives y Plan para poder crear un impacto positivo en la comunidad. 5. Planes para garantizar que el establecimiento no constituya una molestia para la comunidad. Durante la reunion el public tendra la oportunidad de hacer preguntas. Por favor llamar a Lie. Roberty Di Marco, con cualquiera pregunta (781)322.3700, rdimarco@fwd-law.com, o Peg Crowe (781) 248.4386 Gracias, DMS Trinity, LLC. Esta notícia é para informá-los que haverá uma REUNIÃO DA COMUNIDADE para uma proposta de um estabelecimento de Marijuana de acordo com M.G.L. c. 94G e os regulamentos da Comissão de controle de Cannabis de Massachusetts 935 CMR 500.000 et seq. A reunião está agendada para dia: 14 de Septiembre de 2022 as 6:00pm Localização: Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 Participar da reunião pelo ZOOM: https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaG RKUT09 Meeting ID: 842 7397 9388 Passcode: 615269 O endereço proposto para a localização é 36 Charles St, Malden, MA 02148 Pontos a serem discutidos na reunião 1. O tipo de estabelecimento de Marijuana no endereço proposto. 2. O plano para manter um estabelecimento seguro. 3. Planos para prevenção de venda para menores de idade. 4. Planos de impacto positivo para a comunidade. 5. Planos para afirmar que o estabelecimento não causará nenhum problema para a comunidade. Durante a reunião haverá oportunidade para o público tirarem dúvidas Por favor ligarem para Doutor Robert Di Marco com qualquer dúvidas (781)322-3700 ou rdimarco@fwd-law.com, ou Peg Crowe (781) 248.4386 Obrigado, DMS Trinity, LLC. 通知係在此畀定嘅 社區外聯會議 根據M.G.L.c.94G同馬薩諸塞州大麻管制委員會嘅法規，935 CMR 500.000等緊 單位建議建立大麻機構。 計劃 2022 年 9 月 14 日下午 6 點 地點：Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 縮放鏈接: https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaGR KUT09 Meeting ID: 842 7397 9388 Passcode: 615269 擬議嘅大麻零售商嘅位置係 36查尔斯街，马尔登，MA 02148。 會議將討論嘅主題將包括但不限於： 1.擬擬議地址設置緊嘅大麻機構類型。 2.維護安全設施嘅計劃 3.防止轉用未成年人嘅計劃。 4.對社區產生積極影響嘅計劃。 5.確保建立唔會對社區構成威脅嘅計劃。 公眾將有機會提出問題。 請聯繫律師罗伯托·迪·马可（ 781 ）322.3700或 rdimarco@fwd-law.com， 或佩格·克劳（ 781 ）248.4386 三位一體，有限責任公司 August 19, 26, 2022 Shawn P. Keogh Of Malden.A member of Bricklayers Local #3 passed away suddenly on Monday, August 15, 2022. Shawn was born in 1986, the son of James Keogh and Donna Bouley-Keogh.He was raised in Malden, and attended the Northeast Regional Vocational High School.He went on to become a member of Bricklayers Local #3, and became an incredibly skilled at installing tile.Outside of work Shawn treasured being a father to his daughter Lillyanna. He is survived by his daughter, Lillyanna Keogh of Malden, his brothers Kevin Keogh of Plaistow, NH, Christopher Keogh of Malden, his sister Kelley Wyman of Derry, NH, his step mother, Catherine Keogh of Malden, his paternal grandparents William "Baker" and Helen Keogh of Windham, his maternal grandmother, Dorothy Murphy of Ayer MA, and his nephews, Justin, Michael, and Christopher, his co-parent to Lillyanna, Christianna Caruso of Malden, as well as many Aunts, Uncles and Cousins. OBITUARIES| SEE PAGE 19 OBITUARY Robert D. Bonner Of Malden. Passed away on August 20, 2022. He was 53 years old. Robert was a resident of Malden and formerly of Winthrop and was an iron worker for Local 7 for many years. Robert was the husband of Rachael (Lockhart) Bonner. He was the beloved son of Linda R. (Buckley) Bonner and the late Robert E. Bonner. Robert was the loving father of Courtney Bonner and Adam Bonner. He was the dear brother of Kerri Bonner. He is also survived by aunts, uncles and cousins. Visiting hours will be held at the A. J. Spadafora Funeral Home, 865 Main Street, Malden on Saturday August 27th from 1:00pm-4:00pm. A prayer service will be held at 2:00pm during the visitation. Relatives and friends are respectfully invited to attend. In lieu of fl owers donations in Robert’s memory may be made to Saint Jude Children’s Research Hospital, 262 Danny Thomas Place, Memphis, TN 38105 or stjude.org
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