TORRANCE TRIBUNE July 19, 2012 Page 11 Seniors Know Your Medicare Rights By David Sayen you see first for health problems) before As a person with Medicare, you have you get emergency care. If you’re admit- certain rights and protections. And it’s worth ted to the hospital, you, a family member, knowing what they are. or your primary-care doctor You have rights whether should contact your plan as you’re enrolled in Original soon as possible. If you get Medicare – in which you can emergency care, you’ll have choose any doctor or hospital to pay your regular share of Financial Planning is a Process Not a Product! Medicare Advantage, in which your plan will pay its share. So, Who’s Looking Out For Your Financial Interests?the cost, or copayment. Then that accepts Medicare – or you get care within a network If your plan doesn’t pay of health care providers. its share, you have the right Such networks are run by to appeal. private companies approved In fact, whenever a claim • Retirement Planning by Medicare. is filed for your care, you’ll • 401K Reviews & Portfolio Second Opinions Your rights guarantee that get a notice from Medicare or • Financial Check-Ups you get the health services the your Medicare Advantage plan • Investment Analysis and Advice law says you can get, protect letting you know what will • Mortgage / Refinance Decisions you against unethical practices, and ensure and won’t be covered. If you disagree with • Employer Stock Option Strategies the privacy of your personal and medical the decision, you have the right to appeal. information. You have the right to be treated For more information on appeals, you We Offer a Free No-Obligation Get Acquainted Meeting with dignity and respect at all times, and to can read our booklet “Medicare Appeals,” ESF Proudly Upholds the Fiduciary Standard be protected from discrimination. available at www.medicare.gov/Publications. You also have the right to get infor- Or call us, toll free, at 1-800-MEDICARE. mation in a way you understand from You can also file a complaint about services • NO Commissions or Products Sold• NO Commissions or Products Sold Medicare, your health care providers, and, you got from a hospital or other provider. • NO Pressure• NO Pressure • NO Long-Term Contracts under certain circumstances, Medicare If you’re concerned about the quality of • NO Account Minimums• NO Long-Term Contracts contractors. This includes information about the care you’re getting, call the Quality what Medicare covers, what it pays, how Improvement Organization (QIO) in your One Time, Periodic or Ongoing Advice,,ecivdAgniognOrocidoireP,emiTenO much you have to pay, and how to file a state to file a complaint. A QIO is a group tthe Choice is Yours!sruoYsieciohCeh complaint or appeal. Moreover, you’re en- of doctors and other health care experts titled to learn about your treatment choices who check on and improve the care given in clear language that you can understand, to people with Medicare. You can get your and to participate in treatment decisions. QIO’s phone number at www.medicare.gov/ One very important right is to get emer- contacts or by calling 1-800-MEDICARE. ESF Financial Planning Group gency care when and where you need it Many people with Original Medicare also -- anywhere in the United States. enroll in Medicare prescription drug plans. Taking you beyond the numbers If you have Medicare Advantage, your Here, too, you have certain rights. A Appointments in Manhattan Beach (310) 706-4123 d Culver City (310 590-4511na3214-607)013(hcaeBnattahnaMnistnemtniopp plan materials describe how to get emer- For example, if your pharmacist tells you www.ESFplanning.com gency care. You don’t need permission that your drug plan won’t cover a drug you from your primary-care doctor (the doctor See Seniors, page 13 Looking for the Torrance Tribune? You can find us at all the following locations as well as our Web site: www.heraldpublications.com Want a subscription? For $95 a year, we will mail a newspaper to your home. Just mail us a check. We will use the address on the check for your subscription address, unless instructions state otherwise. Mail the check to Herald Publications, 312 E. ImperialAve., El Segundo, 90245. Please add “Torrance Subscription” in the memo line. Akai Swim School 24444 Hawthorne Blvd. Griffith Adult Center 2291 Washington Ave. South Bay BMW18800 Hawthorne Blvd. American Tire 22940 Hawthorne Blvd. Hamilton Adult Center 2606 W. 182nd St. South End Tennis 2800 Skypark Arco 23510 Crenshaw Blvd. Hof’s Hut 23635 Crenshaw Blvd. Southeast Torrance 23115 Arlington Ave. Arico Hallmark3856 Sepulveda Blvd. Home Team Realty 23900 Hawthorne Blvd. Southwood Cleaners22232 Palos Verdes Blvd. Artesian Car Wash 17500 Prairie Ave. ISU – ERG Insurance Agency 3300 Sepulveda Blvd. Star Dental 2370 Crenshaw Blvd., Unit G, Back in Action Del Amo Medical Center Jack’s Pizza 5007 P.C.H., Torrance Starbuck’s Coffee 5005 P.C.H., Torrance 21320 Hawthorne Blvd., Suite 122 Japanese Restaurant 20920 Hawthorne Blvd. Staybridge Suites Hotel 19901 Prairie Ave. Benihana 21327 Hawthorne Blvd. Ken’s Market 901 Inglewood Blvd. Texas Loosey’s22252 Palos Verdes Blvd. Billy’s Deli & Cafe5160 W. 190th St. L. A. Fitness 3550 W. Carson St #404 T.R.G. Real Estate Group 3480 Torrance Blvd. Bottle Shop 2087 Torrance Blvd. La Cocina 4438 W. 182nd St. Thai Massage 24020 Vista Montana #A Brookside Village 621 S. Prospect Blvd. Levy Adult Center3420 W. 229th Place The Depot 1250 Cabrillo Ave. Buffalo Fire 1261 Cabrillo Ave. Lingley Chevron Extra Mile23420 Crenshaw Blvd. The Little Gym 20914 Hawthorne Blvd. Capricciosa Italian24301 Crenshaw Blvd Little Company Of Mary Hospital 4101 Torrance Blvd. Tony Roma’s24301 Crenshaw Blvd. Chamber Of Commerce 3400 Torrance Blvd. Little Company Of Mary Medical Cntr 4201 Torrance Blvd. Toraya Ramen Restaurant24231 Crenshaw Blvd., #D Chase Bank2549 P.C.H., Torrance Marriott Courtyard 1925 190th St. Torrance Bakery 1341 El Prado Ave. Chateau Liquor 4545 Sepulveda Blvd. Miyako Hybrid Hotel21381 S. Western Ave. Torrance City Hall 3031 Torrance Blvd. Chinese Shanghai Restaurant 2880 P.C.H., Torrance Mercedes Benz 3233 P.C.H., Torrance Torrance Cultural Arts Center 3320 Civic Center Coffee Bean & Tea Leaf 21300B Hawthorne Blvd. Mongolian BBQ 21006 Hawthorne Blvd. Torrance Library 3301 Torrance Blvd. Coin-O-Matic Laundry21172 Hawthorne Blvd. Pacific Porsche 2900 P.C.H., Torrance Torrance Library 4805 Emerald St. Coin-Op- Laundry Fluff & Fold 5123 Torrance Blvd. Palos Verdes Bowl 24600 Crenshaw Blvd. Torrance Police Dept. 3300 Civic Center Cookin’ Stuff 22211 P.V. Blvd., Torrance Police Dept. 3604 Artesia Blvd. Torrance Recreation Center 3341 Torrance Blvd. Cop-A-Tan 24231 Crenshaw Blvd. Power Infiniti 3035 P.C.H., Torrance Tortilla Cantina 1225 El Prado Ave. Cousin Vinny’s Cafe 5150 W. 190th St. Power Volvo 3030 P.C.H., Torrance Tucker’s Market 3690 Newton St. Creative Cuts Int’l.21217 Hawthorne Blvd. Pregnancy Help Center 1311 Crenshaw Blvd., Suite A Vince’s Spaghetti 23609 Hawthorne Blvd. Crest 1625 Cabrillo Ave. Prudential Real Estate 23530 Hawthorne Blvd. Wahoo’s Fish Taco 3556 Torrance Blvd. Dee Hardison Gym 2400 Jefferson St. Ralphs 1413 Hawthorne Blvd. Walgreens 2690 P.C.H., Torrance Del Amo Car Wash 20505 Hawthorne Blvd. Ralphs , 5035 P.C.H., Torrance Walgreens 4142 P.C.H., Torrance Del Amo Professional Pharmacy 21320 Hawthorne Blvd. Rascal’s Teriyaki Grill 5111 Torrance Blvd. Walgreens2976 W. Sepulveda Blvd. Dino’s Burgers 1975 Torrance Blvd. RE-MAX Exec South Bay 23740 Hawthorne Blvd. Walgreens2321 Hawthorne Blvd, Redondo Beach Eddie’s Barber Shop 2455 Sepulveda Blvd. Residence Inn 3701 Torrance Blvd. Walgreens22930 S. Western Ave. El Camino College MB Blvd. & Crenshaw Sea Shore Chinese 5137 Calle Mayor Walser’s Art Supplies 23145 Kashiwa Court El Pollo Inka 23705 Hawthorne Blvd. Seafood Town Resturant 22922 Hawthorne Blvd. West End Raquet & Health 4343 Spencer St. Enhanced Chiropractic 23823 Hawthorne Blvd. Shakey’s Pizza 5105 Torrance Blvd., Torrance Western Museum of Flight 3315 Airport Drive Express Auto Service 20505 Hawthorne Blvd. Shoe Dog 25359 Crenshaw Blvd. Yamabuki Restaurant 23863 Hawthorne Blvd. Frank’s Liquor 1601 Cabrillo Ave. Shorewood Realty 1009 Torrance Blvd. YMCA Torrance-South Bay 2900 E. Sepulveda Blvd. Froots21219 Hawthorne Blvd. Snax - Wood Rack 4539 Sepulveda Blvd. Zina’s Restaurant 4125 Calle Mayor
Torrrance 7.19.12
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