Lyndon Thomas Insurance
THE BENEFITS OF MINIMALISM A Perfect Lifestyle for Seniors
or clutter in the junk drawer. Once you’ve taken this first step, move on to something bigger. Soon, you’ll find yourself making steady and rewarding progress throughout the rest of your home. In the process, pay attention to what you want to keep. Carefully select which objects mean the most to you and which ones are still useful. These are the belongings you should surround yourself with.
As we get older, we tend to hang on to mementos that brought some type of meaning to our lives, even after time has diminished their value. Though we may be emotionally attached, this clutter can eventually overwhelm us, especially as seniors. If you find yourself drowning in items you no longer need or want, consider a minimalist lifestyle to free up your space — and your mind.
THE BENEFIT OF MINIMALISM
Before taking on a minimalist lifestyle, it’s important to understand what it entails. When someone hears the word “minimalism,” they might think it means getting rid of their possessions one by one, but that’s not entirely true. Instead, minimalist living focuses on having less clutter in our lives but still keeping the things we truly value and enjoy. The idea is to get rid of things we no longer use or need.
Minimalism will help you feel more comfortable in your home and open up other possibilities. You will have more room to invite guests and family over, and you’ll have a sense of space and freedom. Additionally, this lifestyle can also help with your finances. You’ll be less tempted to buy what you don’t need, and you may even rearrange spending priorities or downsize your living space (less rent!). If you surround yourself with meaningful and useful items, you will feel more at peace. Ultimately, minimalism encourages us to free ourselves from the many things that own us as much as we own them. Don’t allow accumulated objects to clutter up your home and life. Take the leap and start living a carefree, minimalist lifestyle.
To embark on a minimalist lifestyle, focus more on the present and consider the value your personal belongings have in your life now. Sorting through hundreds of items with thousands of memories is a daunting task, so it is best to start by removing things that might not require emotional or physical strain, like old magazines, broken items,
HEALTH AND WEALTH REMINDERS
• Medicare plus supplement. Supplement F pays the annual deductible and the 20%; you pay nothing. Supplements G and N pay the full balance of the ambulance bill after you pay the annual deductible. Action to take: Send your Medicare and supplement information to the ambulance company for them to send the claim to Medicare, which also sends the claim to the supplement. Send no money unless have not paid the Part B deductible for the year. • Medicare Advantage. You pay only the emergency transportation/ambulance copay for the plan of which you are a member. Action to take: Pay the copay to the provider, then call the health plan member service number on your ID card and ask them to take care of it from there. Having to take a ride in the ambulance is bad enough! Don’t pay more than you need to! If you have questions about this or other Medicare-related questions, don’t hesitate to contact me.
It’s time for a couple of annual reminders …
If you take an ambulance ride and you have Medicare, never pay the full amount billed!
In the event of a medical emergency transport, the EMT staff most likely will not get your insurance information. Their job is to get your broken leg or heart attack to the hospital ASAP! Stopping to get your insurance information would be a dangerous delay. So they take your name and address and send you a bill for the full amount. Here is the important part: Even though the bill may be for the full amount, you are responsible ONLY for a portion based on how you are using Medicare. • Medicare only. You are responsible for 20% of the bill after you pay the annual deductible ($185 in 2019). Action to take: Give them your Medicare number and pay the 20% to the provider.
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