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Summertime and the Living is Easy

George Gershwin had a way with words and there are no words more recognizable than the title of this blog . . . at least to those of us who are over 60 or someone who has listened to one of the more than 25,000 recordings that have been made of that song. But the real question remains, is the living really easier in the summer?

For those who have weathered a long winter of shoveling snow or driving on slick streets, summertime is a welcome relief. For all of us it’s a time to enjoy the warm weather and the promise of a vacation, especially given many of us have been robbed of our vacations over the last two years. It’s a time to come out from the shadow of the pandemic and begin to again live our lives unencumbered by a virus.

So, what do we do this summer to make the living easy? One thing you might think about is trying some new recipes. As we found ourselves eating at home more often due to the pandemic, we may have found that we got tired of the same old things. Some of us may have tried out the new cooking appliance, the air fryer. I’ve found it’s a great way to fry food without the mess of hot oil and it’s much healthier. If any of the eight air fryer meals below look interesting, you can get the recipes by clicking here.          

  • Breakfast
  • Hard “Boiled” Eggs
  • Roasted Tomatoes
  • Crispy Tofu
  • Roasted Fish
  • Snack Chips
  • Leftovers
  • Desserts


You also might have found some new ways to stay physically fit. Pickleball has caught on with the older crowd. The increasingly popular paddle sport, which has similarities to tennis and ping pong, has attracted 4.8 million U.S. players of all ages and fitness levels, according to the 2022 Sports & Fitness Industry Association (SFIA) report on pickleball. It doesn’t require an excess of running but keeps the participants moving and, most importantly, it gives us a reason to get out and get some exercise. I have friends who play almost every day, they all say it beats trying to force yourself to go to the gym and workout. Older adults are especially drawn to the fun sport: The SFIA report notes that among the 1.4 million “core” participants — defined as those who play at least eight times a year — 60 percent are 55 or older and more than 33.7 percent are 65 or older. Older people enjoy this sport because:

  • The court is small enough that you don’t need to move much to hit the ball, especially if you’re playing doubles.
  • The game encourages players to socialize.
  • There’s less of the frustration factor that accompanies sports like golf.
  • It’s designed to be carefree and fun.
  • It’s inexpensive.


The great thing about this sport is it’s readily accessible. You can input your zip code on the USA Pickleball Association website to find out where to play near you. 

Finally, it seems we’ve found a sport, besides golf, that older people can play, and it no doubt is better exercise than riding around in a golf cart. You’re hearing this from a guy who loves to play golf but is going to give pickleball a try this summer.

Volunteering is another activity that you might find very rewarding. Helping someone else gets us out of looking inward at our own problems and allows us to focus on others. There is nothing more satisfying than giving of your time and skills to help someone else. Below are five non-profits that accept and need volunteers. Just click on their name to find out more about their organization.


I hope you can find something new and exciting to challenge yourself this summer and you do it while also keeping yourself healthy and safe. I’ve written past blogs about taking care of your skin and your eyes and your joints as you venture outdoors this summer. Do a quick search of my blogs if you need some good guidance in these areas. One little hint, you might take some time to do a little training before you venture out on your vacation. I just spent a week walking around and touring Boston and I found out pretty quickly that I wasn’t as ready for that much walking as I thought.

Finally, while we’re looking forward to this summer it’s not too early to start looking at Medicare open enrollment coming up this year. I’ve been working hard these last few months to catch up on the preventative screenings and checkups that I put off because of COVID-19 (don’t you hate the preparation required for the colonoscopy). Keep track of any health changes that have occurred this year so you can make an informed decision as you review your insurance coverage. Especially keep track of any new prescription medication you may now be taking.

Above all, get out this summer and try something new, and also try to get that George Gershwin song out of your head. I haven’t succeeded yet.

Best, Thair



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What’s So Special About the Summer Solstice – the Longest Day

Tomorrow is the official start of summer but, more importantly, it is the longest day of the year for those of us in the northern hemisphere. It’s the day with the most light and it has a very special meaning for those who have been impacted by Alzheimer’s.

This month is Alzheimer’s & Brain Awareness Month and June 21st, the summer solstice, is a special day for those who advocate and support the fight against Alzheimer’s; it is labeled “The Day With the Most Light Is the Day We Fight”. This day was chosen to refine the focus on the fight against Alzheimer’s to a specific day.

Usually, I include some statistics about the disease that I’m writing about in my blog. I do that to highlight and educate you about the impact that disease has on our lives. Unfortunately, I really don’t have to do that with Alzheimer’s or other types of dementia, because almost without exception Alzheimer’s or dementia has affected each one of us in some way. Let me tell you about how it has affected me.

I spent over eight years in the Air Force with most of my time as part of a crew in a B-52. Downstairs in a B-52 is where the bombardier and the navigator sit, no windows just radar sets and low light/infrared screens to keep us entertained. That’s where I spent my time. I flew a large part of my 2,000 hours in the B-52 with a man who became a lifelong friend. He was one of six Air Force friends and their wives who have continued to get together every two years for 46 years. He died a little over two years ago from Louie Body Dementia. Louie Body Dementia is an aggressive form of dementia, but it is just one of many different types of this terrible disease. I will use the term Alzheimer’s in this blog since it is the most common type of dementia, but I will use it to also include all of the types of dementia. As is the case with Alzheimer’s you lose the loved one you knew long before their death. It was so hard as I visited, vacationed, and cared for my friend after he was diagnosed because I saw the man I knew and loved slowly disappear. We had to continually say that it was Louie talking and acting rather than the man we knew before. It was especially hard on his wife and family. I suspect that many of you have your own experiences that you could talk about.

As I’ve advocated over the years for more Alzheimer’s research, I’ve often pointed out that Alzheimer’s costs us 300 billion dollars each year with the cost rising each year. This always seemed like such a strong argument for expanded research. After my experience with my Air Force friend the money part, while it remains very important, dimmed somewhat in relationship to the impact on the lives of those who care for those who suffer from Alzheimer’s. The mental, financial, and physical impact of this disease on those around the patient is huge. I don’t think there is any better way for us to spend our time and resources than searching for a cure.

Discoveries of new treatments for Alzheimer’s have been rare, almost non-existent. There have been many promising medicines that have been tested and failed, some of the failures coming at the very end of the clinical trials. It has been heartbreaking to those impacted by Alzheimer’s to have hope and then be disappointed. Just last year a drug was approved that offered some hope. The cost was substantial and, even though the cost was ultimately cut in half, CMS decided that it would only be available to people who participated in clinical trials. While there are many people and organizations on both sides of the question of who should get access to this medicine, the fact of the matter is the hope of a treatment for Alzheimer’s was again dimmed. Just recently a promising drug, named crenezumab, failed in a trial that had been going for 10 years. Once again, the hope for an Alzheimer’s treatment has been dashed, to say nothing of the cost of a 10-year trial. It’s time we take action.

We’ve had government programs that used the “moon shot” moniker to focus commitment and funding. We’ve shown that we can develop vaccines at breakneck speeds when our backs are against the wall. These are all important efforts. I think it’s time we recognize the impact on not only those who suffer from Alzheimer’s but also to the loved ones and care givers by marshaling are personal and government resources to conquer this disease.

As noted above, this is the month and today is the day that we focus on advocating for more research and helping those affected by Alzheimer’s. You can find out what activities are going on in your community during “The Day With the Most Light Is the Day We Fight” project by clicking this link. Get involved, do it for that someone in your life who has been affected by Alzheimer’s.

Best, Thair



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Men’s Health Week – A Time to Focus on the Men In Our Lives

This week is Men’s Health Week and, at the risk of going against our push for inclusion, I’m going to eliminate approximately half of our population in this week’s blog and focus on men, and, specifically, older men.

There’s a good reason for this focus. Because of poor health habits, lack of health insurance, failure to seek medical attention, and dangerous occupations, men live sicker and die younger than women. Men die at higher rates for 9 of the top 10 causes of death. This includes deaths from cancer, diabetes, suicide, and accidents, and diseases of the heart, kidney, and liver. Men account for over 90% of workplace fatalities, are far less likely than women to have health insurance and are half as likely to see a doctor for preventive care. When men get sick it affects those around them, the loss of their income to the family often has serious consequences. I’ve talked with many older widowed women at seminars and health fairs about the impact on her life when her husband died. Often there is a loss of retirement income to say nothing about the loneliness that ensues. According to the Census Bureau there are 105 males born for every 100 females, but by age 34 there are more women than men. According to the United States Census Bureau (2000), the ratio of men to women in the early retirement years (age group 65-69) reduces to 85 men per 100 women. According to the Administration on Aging (2001), more than half of the elderly widows now living in poverty were not poor before the death of their husbands. Poor health and the early death of men impacts their families and loved ones. The good news is that the cause for this disparity is not unchangeable.

In my generation, and historically, men have been the primary bread winner, while women were focused on the family, which included the health of the family. This begins to explain some of the health disparity between men and women. I’ve worked with the Men’s Health Network for many years, participating on panels and working with them on common issues. They are a national non-profit organization whose mission is to reach men and their families with health awareness messages where they live, work, pray, and play. They’ve done many health fairs with professional sports teams, businesses, and religious organizations where they did screenings and offered health information for men. They found that the way to get men to attend these health fairs was to go through their wives. It was the wife who convinced her husband to attend the fair, do the screenings and get the helpful health information. Men, and I speak from experience here, are very good at ignoring their own bodies’ health signals, not scheduling or postponing checkups, and generally not taking care of themselves.

The pandemic continued to show this disparity. Over 65,000 more men than women have died from COVID-19. Now I’m a big fan of individual responsibility and taking care of your own health falls under that heading, but men are absolutely influenced by loved ones, family and friends who are important in supporting them to take action toward better health. Darrell Sabbs, a community health advocate in southwest Georgia, emphasized that, “Today we see men come in with more advanced diseases simply because they lost trust in, and access to, healthcare during the pandemic. What we are doing now is celebrating a return to normal where hopefully men and their families will take on a deeper concern for their health.” He also noted, “Trusted voices had to be found, and they were found in our communities and churches.”

I was intrigued by Mr. Sabbs saying that men lost trust in, and access to, healthcare during the pandemic. What we didn’t need was another reason for men to ignore their health but I’m afraid that some of the vaccine hesitancy during the pandemic was uncharacteristically fueled by men and a growing distrust in government agencies. I’m sure this, along with the other noted reasons, was the basis for disparity between men’s and women’s deaths in the pandemic.

 So, here comes the action portion of my blog. What can we do? One thing we can do is observe Wear BLUE Day. Wear BLUE Day is observed on the Friday of National Men’s Health Week, which is this Friday and just happens to be the Friday before Father’s Day. It is a great time to raise awareness and educate everyone about encouraging men to seek regular checkups, to get educated on testicular and prostate cancer along with other health issues that affect men (cardiovascular disease, skin cancer, lung cancer, diabetes, gout, and more.) Hopefully, wearing a blue ribbon will trigger conversations about men’s health.

There is something else you can do, if you have a friend, husband, or a family member who hasn’t taken the steps to keep himself healthy, find a voice that he trusts to discuss the steps to a healthier life. If that trusted voice is yours, fine, if it’s a close friend, a relative or a church leader, get them to have a serious talk with the man in question. Encourage the trusted voice to emphasize how important your man’s health is to those around him. To remind him about the joy he will have when he is able to actively participate in, and be present at, important events with his children, grandchildren, and even great grandchildren. A trusted voice can make a huge difference in a man’s life.

Men’s Health Week is an ideal time to focus on improving the health of those men in our lives who are so important to us.

Best, Thair



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Recap – Facebook Live Event with the American Cancer Society Cancer Action Network

Last Wednesday, we held a Facebook live event in recognition of National Cancer Survivor Month and invited a special guest, Pam Traxel, Senior Vice President of Alliance Development and Philanthropy at the American Cancer Society Cancer Action Network (ACSCAN), to talk about cancer prevention, screening, treatment, the importance of clinical trial diversity, and the need to protect cancer treatment research and development. You can click here to watch the entire half hour event.

I started the event with a few remarks about the impact cancer has on each of our lives. I pointed out that there are an estimated 16.9 million cancer survivors alive today, but, in 2022 in the U.S., there will be an estimated 1.92 million new cancer cases and 609,360 cancer deaths. These statistics highlight the importance of screening and other methods for early detection and prevention.

As is my habit I took a few moments at the beginning of the event to talk about some important issues that are threatening our healthcare, starting with a proposal that has once again been put forth to allow the government to set the price of prescription drugs. As we progress toward personalized healthcare, the reduction of options available to doctors is not the path we should be taking. Thrusting the government into this process would reduce the number of options available. I emphasized that no patient should face even the possibility of having fewer treatments or therapies available when undergoing cancer treatment.

I also pointed out that Senator Bernie Sanders may introduce an amendment in an unrelated piece of legislation to allow drugs to be imported from Canada. This is an unsafe and unworkable solution that will do very little to reduce the price of drugs for you and me. With that I turned the time over to Pam Traxel.

Pam began by pointing out that Cancer Action Network is the public policy arm of the American Cancer Society and that working to shape public policy concerning cancer patients has made a difference. She went on to point out that they advocate for the entire cancer continuum from screening and early detection to treatment and survivorship across all types of cancer.

Her first point was how important screening and early detection are and noted the important role that health coverage plays in getting screened.  ACSCAN is working to encourage Congress to extend and make permanent the subsidies in the American Rescue Plan for health coverage in the exchanges. They are also working to encourage states that have not chosen to expand Medicaid to do so, given that those states that have chosen to expand have seen a huge increase in cancer screening participation. The final area she focused on was encouraging Congress to implement a yearly cap on out-of-pocket Medicare prescription drug costs.

Pam also discussed the importance of states ensuring access to bio marker testing. She emphasized how important it is that our elected officials hear from us and where we stand on these important issues.

I then asked Pam a few questions, the first one concerned how seniors can prevent cancer and detect it early. Pam pointed out that living a healthy lifestyle is important and taking advantage of different screenings will help detect cancer early. She gave out a great link to information that will give us healthy lifestyle hints and the screenings available depending on our age. She emphasized that the best way to survive cancer is to detect it early. She knows that the pandemic has caused many of us to delay our screenings, and I admitted I was one that had delayed some screenings. She implored us to talk with the doctor about where we stood on our screenings and what do we need to do to get current.

In response to a question on the biggest advances she has seen in cancer research and treatment innovation, Pam noted the ability to target cancer more closely and for medicines to go directly to the cancer cells and kill them is very encouraging. Through the use of bio markers and unimpaired access to new medicines we have a much better chance to survive cancer. She also said that there are many new developments in ways to detect cancer early that is lifesaving.

Pam pointed out that ACSCAN is pushing for the passage of the Diverse Trials Act, a bipartisan, bicameral piece of legislation. This bill would help people who are participating in clinical trials with their ancillary costs, removing some of the barriers that exist for clinical trial participation. Pam also pointed out that in cancer clinical trials half of the participants receive the normal cancer treatment and half receive the new drug, as opposed to other trials where half get a placebo and half get the new drug. This removes another barrier to trial participation.

I then asked about the impact of screenings and early detection. Pam discussed the fact that early screening and detection along with a significant increase in the number of drugs and therapies available has made a huge difference in cancer survivability in the last decade. She pointed out how important innovation is in the fight against cancer. New drugs mean new options which means more lives saved. This led to my final question of what would happen if we limited innovation and produced fewer drugs to fight cancer. Her answer was simple – cancer will kill you if there is no intervention, and the tools that are used to fight cancer are prescription drugs. If we have fewer drugs, we have fewer tools to fight cancer and save lives.

To sum up our conversation, there are three main points:

  • Early detection through screenings and healthy living will have a huge impact on surviving cancer
  • Government intervention in our healthcare will obstruct innovation with little reduction in out-of-pocket costs for the patient
  • Your voice in speaking out to your elected officials can and will make a difference

I hope you enjoyed this Facebook live event; you can see the entire video here. We look forward to your participation at our next Facebook live event.

Best, Thair



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Two Threats to Our Medicare Prescription Drug Program

There are two threats to prescription drug accessibility and innovation that are once again threatening your health. These are not new threats, but they continue to be thrust forward as politically popular “solutions” to help reduce drug prices. These two threats are government “negotiation” and foreign importation. Inserting the government into the drug pricing equation through so called negotiations was mentioned in the President’s State of the Union speech. Importing drugs from foreign countries is not a new approach but it has recently been raised as a possible amendment to be added to proposed legislation. Before I discuss these two approaches in more detail, I’d like to remind you of some important facts concerning drug prices.

In 2021, the list price of drugs, the price that many of the patient’s out-of-pocket costs are based on, rose less than the Consumer Price Index (CPI) which measures inflation. There are many parts of our healthcare system that rose more than the CPI, but not the list price of drugs. Even more relevant is the fact that the net price of drugs, the amount the drug manufacturer actually receives, dropped by 1.2% in 2021. That’s right, the net price dropped! This is the 4th year that the net price has dropped. If the drug companies were trying to raise prices so they would get paid more each year, they have failed miserably. In these days of 8% inflation, it seems crazy to increase government regulations on an industry where their net prices have dropped. Given this backdrop I’d like to discuss these two drug pricing proposals.  

The proposed insertion of the government into the Medicare prescription drug program, Part D, would involve repealing the non-interference clause in Part D and allow the government to get involved in setting the price of selected drugs. The government would calculate what they considered a fair price to be for a particular drug and present that to the manufacturer. If a manufacturer was not willing to accept the price the government calculated, they would be charged anywhere from 65% to 95% of their gross sales to continue to sell the drug in the U.S. No drug manufacturer could continue to sell their product if they had to pay 65% of their gross sales to the government. This is not a negotiation but a take it or leave it ultimatum which reduces the so-called negotiations to simply price fixing. History has shown that government price fixing never works.

Foreign importation of prescription drugs has thrust itself into the limelight because of a proposal put forth by Senator Bernie Sanders to include this sweeping change to Medicare Part D into the FDA user fee “must pass” legislation. I’ve talked about this “solution” to drug prices in previous blogs, explaining how it bypasses the safety net we now enjoy without any proof that the patient will see any savings while counting on Canada to implement a program that they have already said they can’t support. Because of the variation in foreign government laws and control of healthcare prices the price of prescription drugs can vary between different countries. While you or someone you know may have gone across either our southern or northern boarders to purchase medicine at a lower price, this is not what this proposal is about. This importation proposal is at a much higher-level involving suppliers and transporters and large volumes. Some states have passed laws allowing importation but none of them have yet been implemented. The non-partisan Congressional Budget Office, our government’s accountants, have studied this approach and said, “Even if this practice was made legal, however, unique aspects of the prescription drug market would limit the additional volume of prescription drugs reaching the United States. On the basis of its evaluation of recent proposals, the Congressional Budget Office (CBO) has concluded that the reduction in drug spending from importation would be small”. There have also been legal challenges asserting that the government can’t legally implement this proposal. In spite of the facts that the safety we now enjoy through FDA-approved drugs would be compromised, that Canada has said they won’t support importation, that any savings would be small, and that this idea may not even be lawful, Senator Sanders has chosen to ignore these facts and has proposed implementing this change in some must-pass legislation. Which brings me to what I think could be the worst part of this whole situation.

Adding this huge change to Medicare Part D as an amendment to User Fee legislation bypasses the discussion and debate that this huge change deserves. It’s an attempt to sneak this change into an unrelated piece of legislation which eliminates the chance for members of Congress to review the facts, for hearings to take place, and for stake holders to offer their input. It even bypasses the judicial branch from reviewing its legality. It’s not the way we should be doing the people’s business. This big of a change to our Medicare prescription drug program should be out in the open, analyzed and debated. I’m tired of politically expedient proposals that do nothing to make our healthcare better but will look good in some election ads and speeches. These proposed changes will affect real people for a long time, Congress should take the time to hear from the people these changes affect.

On that note I encourage you to write or call your members of Congress and tell them you want real solutions, not changes that need to be snuck in as an amendment to unrelated, must-pass legislation.

I also urge you to tune in on June 1 to our Facebook Live event where I will talk with Pam Traxel who leads the advocacy arm of the American Cancer Society. I’m sure some of the above issues will be discussed. You can tune in for the event by clicking here on Wednesday.

Best, Thair



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National Senior’s Health and Fitness Day. Do I Have to Get Off the Couch to Participate?

This Wednesday, May 25th, is National Senior Health and Fitness Day, one of two days a year that focuses on seniors’ health and fitness. As the title might suggest it probably will take more than two days a year to get some of us off our duffs and doing something that has some semblance of exercise. For most of my life someone has been telling me to exercise and they always have good reasons, it’ll make your lungs/heart stronger, raise your endorphins (I’m still not sure what those are and why I need to raise them), and you’ll sleep better. I’m probably like most people and have, periodically, developed some routine of exercising, but at no point did it become part of my everyday life. The question is, why should I start now? Glad you asked.

Here’s my take on this question. I’ve noticed a definite decline in my ability to perform some physical things. I don’t play basketball anymore, I don’t run unless it’s a real emergency, and getting down is easy, getting back up, not so much. It doesn’t seem right that just when I have more time on my hands my ability to do some of the things that make me happy has decreased. There’s the crux of the problem and the source of the answer. Prolonging your ability to do things that you enjoy and feeling healthy enough that you want to go out and do them may be the motivator that you need to get off the couch. I guess that’s why they named the day National Senior Health and Fitness Day, you need to be both healthy enough and fit enough to enjoy the activities that give you joy.

Here’s my challenge, this Wednesday, sit down and write down the things that you used to do that health and fitness are keeping you from doing. There are going to be some things that just aren’t going to be possible. I’m never going to go back to playing basketball, but hiking may be something that I don’t do anymore because of my knees or hips or aerobic weakness. This is the time to talk with your doctor. I’ve found that I’ve got in my head that the only time I go to the doctor is when I’m sick. You have every right to make an appointment with the doctor and ask the simple question, I want to go hiking but this (whatever is keeping you from hiking) makes it so I can’t, what can I do?

For instance, I love to golf but periodically my legs started hurting. It seemed like it was a strange hurt, not like it was in the muscle. I went to the doctor, and she says it might be a nerve problem. She suggested I schedule an MRI to look at my lower back and upper legs. If there is something that can be done to alleviate this problem I’m motivated to do it, even if it’s exercising. The point here is don’t be bashful about being proactive in the preservation of the things that make you happy.

It’s almost a given that exercising and eating healthy are going to be in any doctor’s advice for restoring or prolonging your ability to something physical. Which brings us back to this Wednesday’s National Senior Health and Fitness Day. It’s a great time to take stock, as I recommended earlier, and make a change. Look at the resources available. There are often activities on this day, walks and runs and screenings that you can take advantage of. Here are seven senior health and fitness day ideas that you can do:

1. Go to the Park – Check out local events near you or construct your own day at the park, filled with trail walking and a picnic!

2. Attend a Fitness Class – Whether at a local community center or private gym, look for a structured workout session.

3. Walk to Health – Organizations near you may be organizing walking events.

4. Work in the Garden – Gardening is a leisurely hobby promoting both health and fitness

5. Dance – Groove and dance to the music! Whether signed up for a Zumba class or in the comfort of your own kitchen, there are endless possibilities when it comes to dancing, as it can be done just about anywhere.

6. Schedule A Health Screening – Along with being active, be proactive with health. Scheduling a health screening keeps seniors in the know of their own personal health and offers a chance to take preventative measures or actions, which may also be dependent on the physical results and discussions held with a healthcare professional.

7. Volunteer – Volunteering is a chance to offer health and wellbeing not only to yourself, but the ability to extend it to others.

There is one other source of fitness help that you might find helpful. My insurance offers SilverSneakers as a benefit. It is the nation’s leading community fitness program for Medicare-eligible Americans. I recently joined their email program and I get periodic, about once every four days, emails giving me health information, recipes, exercise tips, etc. They also offer free video exercises classes, online classes and even a free app for your smartphone. You can click here to find out what they offer and check if you’re eligible.

I hope that this Wednesday’s National Senior Health and Fitness Day motivates you to get off the couch and do something that helps you get healthy and fit so you can enjoy the things that make you happy.

Best, Thair



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Skin Cancer Awareness Month

The one thing that I don’t have to tell anyone is that summer is coming. We’ve been careful over the winter to not get caught in the new COVID-19 variant trap and limited our travels. We just barely have been free to remove our masks on airplanes and in the airport, although, depending on our health status and age some of us have chosen to continue the practice. We are all looking forward to going on a vacation, getting away, feeling the warmth of the sun on our face . . . and just as I say that I know you are all saying, “here he goes again, given the blog title, he is going to ruin our fun with dire warnings and a list of dos and don’ts”. Well, there still might be some dos and don’ts but we can still be free to have some fun in the sun if we just follow a few simple steps.

First, a little background. Skin cancer is the most common type of cancer diagnosed each year, but there are ways for us to significantly lower our chance of getting skin cancer and, if it’s found early, it often can be treated and eliminated completely. Here are some interesting and sobering facts:

  • One out of five of those over 70 will develop skin cancer.
  • An estimated 3.6 million people will be diagnosed with basal cell carcinoma (BCC), the most common and least serious type of skin cancer.
  • Having five or more sunburns doubles your chances of getting skin cancer, but just one blistering sunburn in childhood or adolescence more than doubles a person’s chances of developing melanoma (a more serious form of skin cancer) later in life.
  • People who first use a tanning bed before age 35 increase their risk for melanoma by 75 percent.
  • When detected early, the 5-year survival rate for melanoma is 99 percent.


When I read these facts I came to the following conclusions – a lot of people are going to get skin cancer. Things that we did when we were younger affect our risk of getting skin cancer. Since the name of this blog is “Seniors Speak Out,” and we can’t do anything about the stupid decisions we made when we were younger, I’m going to talk about the things that older people should do to limit their chances of getting skin cancer or having a bad outcome if you do get it.

Different people may have a higher or lower risk of getting skin cancer depending on your own background and physical characteristics. I recommend you take this skin cancer risk quiz to see what your own personal risk is. It’s a good first step to take.

Here’s the list of dos and don’ts you’ve all been waiting for, I trimmed it to the ones that fit the older crowd.

  • Seek the shade, especially between 10 AM and 4 PM.
  • Don’t get sunburned.
  • Avoid tanning, and never use UV tanning beds.
  • Cover up with clothing, including a broad-brimmed hat and UV-blocking sunglasses.
  • Use a broad-spectrum (UVA/UVB) sunscreen with an SPF of 15 or higher every day. For extended outdoor activity, use a water-resistant, broad-spectrum (UVA/UVB) sunscreen with an SPF of 30 or higher.
  • Apply 1 ounce (2 tablespoons) of sunscreen to your entire body 30 minutes before going outside. Reapply every two hours or after swimming or excessive sweating.
  • Examine your skin head-to-toe every month.
  • See a dermatologist at least once a year for a professional skin exam.


These are things that we’ve all probably heard before but maybe have periodically neglected to follow. This month is a good time to start following the guidance above. I would like to talk a little more about the final two items on the list.

As I get older, I’ve found myself looking at myself in the mirror less and less. The sagging and wrinkles just aren’t that exciting to look at. Examining myself from head to toe once a month just doesn’t seem like much fun, but you can see the wisdom in doing that type of examination. I’ve given this guidance some thought and have come up with a personal solution that I’m going to try. As I’ve grown older, I’ve found the accuracy of my memory has declined. According to my wife (and she is right on this point) my memory hasn’t declined, I still remember things just fine, I just remember them wrong. Given that fact I saw a problem with trying to remember from month to month if something on my skin has changed. I decided I’m going to take some baseline pictures that I could use to compare to my monthly exam. This way any changes would be apparent and not based on my flawed memory. It’s just something I thought I’d do; you’re welcome to use your own methods. The important thing is that you do the monthly exam. Remember, early detection makes a huge difference in achieving a positive outcome.

The last item, seeing your dermatologist, is another point that I want to stress. Sometimes skin cancer doesn’t present itself as something you can see. Your dermatologist is the key to detecting things that need further evaluation. Many of us postponed appointments like this due to COVID-19. If it’s been over a year since you saw a dermatologist, schedule an appointment.

I always look at these blogs as hoping they cause some of you to make a change. It’s huge if you just do one thing that helps you stay healthier. My change is I’m going to finally follow the suggestion of my sons and my wife and start putting sunscreen on when I golf, and I’m going full out and using SPF 30. I hope you also decide to make a change that will help protect your skin.

Best, Thair



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Back to Basics – Medicare’s Prescription Drug Program

I thought this week would be a good time to get back to basics on Medicare’s prescription drug program. I realize that any “back to basic” blog has the potential to be boring but stay with me on this. I think that almost everyone will find out something about their prescription drug coverage that they didn’t know.

I do realize that some of you may not have your prescription drugs covered under Medicare; you may be covered under a commercial prescription drug program as part of your employer’s employee or retired insurance benefit. If this is the case in your situation it still might be worth your while to read on. Some of this information is relevant to commercial insurance. I also will be talking mostly about the standard Medicare Part D plan for standard Prescription Drug Plans (PDP). Having said that, much of the information and nomenclature will also apply to Medicare Advantage (MA) Part D benefits.

There are important words and phrases that you need to understand as you deal with your prescription drug costs.

  • Deductible – Most of us have dealt with deductibles over the years with our commercial plans. Many types of insurance have a certain amount you pay before your insurance starts to help with paying costs. Under PDP’s the yearly deductible in 2021 was $445; after that you had to pay Coinsurance.
  • Coinsurance – This is where you pay a percentage of the drug cost. In Part D you pay 25% of the drug cost until you reach the TrOOP limit.
  • TrOOP – The True Out Of Pocket cost. When you’ve paid $6,550 you reach the catastrophic coverage period in your Part D prescription drug plan; at this point, the beneficiary pays $3.70 for a generic or preferred drug and $9.20 for other drugs, or 5% coinsurance, whichever is greater.

While the amounts and rules of the phrases above may not be the same in a Medicare Advantage prescription drug program, the general meaning and importance do apply. There are two other words that are important as you review your drug coverage each year.

  • Formulary – The formulary is the list of drugs that are covered and available in a specific drug plan.
  • Tier – Drugs in a plan’s formulary can be placed in different tiers. These tiers are important because your out-of-pocket costs may be different depending on which tier your drug is in.

You can see why the formulary and tier are important considerations as you choose your Part D plan in a PDP or a MA drug plan.

The Medicare Part B benefit is another program where you may receive prescription drugs. Part D drugs are usually obtained at the drug store while Part B drugs are administered or obtained at a doctor’s office or as an outpatient at a hospital. The Part B drugs are often injectable, which frequently requires a doctor’s office visit. An example of this type of drug is treatment for cancer. These Part B drugs are often expensive and it’s one of the primary places where the government would like to control prices. Part D and Part B are two Medicare benefits where we are required to pay monthly premiums.

The Part D premiums have stayed very stable over the last ten years, with the average premium being $38 per month in 2012, going to a high of $41 per month a few years later and returning to $38 in 2022. These premiums are an average of the premiums paid by seniors for different types of Part D coverage administered by private health plans in different states. Most states had over 20 different prescription drug insurance plans to choose from. That type of premium stability is unbelievable, especially in these days of inflation. I credit most of the stability to competition with maybe a touch of plan design and cost shifting thrown in.

The Part B premiums are more expensive and reflect what the government spent on funding this benefit. They were $148 per month in 2021 but went up to $170 per month in 2022. This was the largest increase ever. Some of the increase was because of increased utilization and the government’s reduction of the calculated premium last year due to COVID-19. The premium, according to the government, was also affected by “the uncertainty” regarding the potential use of the Alzheimer’s drug Aduhelm by people with Medicare. The secretary of Health and Human Services has requested that Medicare reassess the premium cost. There’s a chance we might get a refund!

One of the things some people don’t realize is that the Part D and Part B premium costs will go up depending on your income. This is due to IRMAA (not your aunt Irma but the Income-Related Monthly Adjustment Amount.) For Part D there’s a monthly premium add-on of $12.30 if your joint income is above $176,000 per year. The monthly premium add-on continues to go up until it equals $77.10 a month for a joint income over $750,000. For Part B the monthly premium add-on is $68.00 if your joint income is above $183,000 a year. It continues to go up until it equals $408.20 a month for joint income above $750,000. Some may ask (me included) why our income should determine the amount we pay when we all paid into the program our whole life an amount that was based on our income. That’s not an issue to explore today but perhaps in a future blog, just a minor rant today I had to get out of my system

The CMS website is a great place to find a lot more detail about your prescription drug benefits. You will be able to dig as deep as you like to find out a lot more about this great benefit.

One thing to know, there is a lot to consider as you make your initial choice of a prescription drug program or as you do your yearly review. The lack of standardization, especially among the tiered plans, means that it is virtually impossible to compare plans and Part D cost-sharing without the use of CMS’s online Plan Finder tool. While the Plan Finder is relatively easy to use, Medicare beneficiaries who lack confidence in their computer skills should ask family, friends, their local pharmacy, or their area State Health Insurance Assistance Program (SHIP) agency to help them compare plans on the Plan Finder. There are resources out there to help you.

I hope you found out something new about Medicare Part D. It’s a great benefit that continues to be a life enhancing and lifesaving program.

Best, Thair



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Arthritis Awareness Month – A Chance to Become Aware

This month is Arthritis Awareness Month with Aware being the operative word. The number of people affected by arthritis in America is shocking. Over 50 million adults and 300,000 children suffer from arthritis, and it is the leading cause of disability in our country. The one thing I know is that most of us either have firsthand experience with the disease or at least know someone who is affected by it. The mere fact that over 50 million of us have it means that there are a lot less than six degrees of separation from us and an arthritis sufferer (my apologies to Kevin Bacon). So . . . why should we be aware?

The first thing we should be aware of is that there are over 100 different types of arthritis, and the diagnosis and treatment may be different depending on the disease type. There are some common symptoms that we can look for to help us decide if we need to see a doctor. We’ll get into those in a minute. We do know that there are benefits in catching arthritis early. There are medicines and actions we can take to slow the onset of the disease and, in some cases, put it in remission. I think it’s important at this point to talk a little bit about remission. Many people who have arthritis define remission as the absence of pain or symptoms. Doctors, on the other hand, may not classify the disease the same way. They may see the continued presence of the disease and its continuing detrimental impacts on your body even with the absence of pain and not declare the disease as in remission. There are two things that this difference of opinion brings up. First, when I talk with people who suffer from arthritis, they say that if the pain was eliminated, they would call it remission because they feel that pain is the most debilitating part of arthritis. Second, we need to also listen to the doctor when they talk about not being done with arthritis just because the symptoms have stopped. Their advice and treatments are important, and we need to continue with the medicine or treatment that they prescribe. It’s always hard to stay vigilant against an unseen and non-painful enemy but it’s important to not let our guard down.

Ok, so now that we are aware of this disease that affects a lot of us, how do we recognize it and what do we do? As you might imagine the Arthritis Foundation has some great guidance on these two questions.

1. Pain – Pain from arthritis can be constant or it may come and go. It may occur when at rest or while moving. Pain may be in one part of the body or in many different parts.

2. Swelling – Some types of arthritis cause the skin over the affected joint to become red and swollen, feeling warm to the touch. Swelling that lasts for three days or longer or occurs more than three times a month should prompt a visit to the doctor.

3. Stiffness – This is a classic arthritis symptom, especially when waking up in the morning or after sitting at a desk or riding in a car for a long time. Morning stiffness that lasts longer than an hour is good reason to suspect arthritis.

4. Difficulty moving a joint – It shouldn’t be that hard or painful to get up from your favorite chair.

What do you do if you experience some of these symptoms?

Your experience with these symptoms will help your doctor pin down the type and extent of arthritis. Before visiting the doctor, keep track of your symptoms for a few weeks, noting what is swollen and stiff, when, for how long and what helps ease the symptoms. Be sure to note other types of symptoms, even if they seem unrelated, such as fatigue or rash. If you have a fever along with these symptoms, you may need to seek immediate medical care.

If the doctor suspects arthritis, they will perform physical tests to check the range of motion in your joints, asking you to move the joint back and forth. The doctor may also check passive range of motion by moving the joint for you. Any pain during a range of motion test is a possible symptom of arthritis. Your doctor will ask you about your medical history and may order lab tests as needed.

Most people start with their primary care physician, but it’s possible to be referred to doctors who focus in treating arthritis and related conditions. Getting an accurate diagnosis is an important step to getting timely medical care for your condition.

It seems like I always have some story to tell about my own experience. I started having pain in my left index finger and a bump in my palm that hurt. I thought it was arthritis since it mirrored some of my wife’s symptoms who is suffering with arthritis in her fingers, but she urged me not to ignore my seemingly accurate self-diagnosis and see the doctor. Strange as it might seem, my diagnosis was wrong. It turned out to be trigger finger syndrome and I was able to take some ibuprofen and do some exercises and rest, and it went away. The point of this story is, look at the symptoms, track them and gather information as indicated above and see your doctor; they are the ones who can make the correct diagnosis and either treat you or get you to a specialist.

This a great month to become aware of the symptoms of arthritis and, if needed, do something about them. I hope May finds you in good health and good spirits.

Best, Thair



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What Will Congresses’ Next Step Be on Healthcare?

After a two-week break Congress is coming back in session at a time that historically has been an active period for passing legislation. This time, however, there might not be much activity. As you probably know the Build Back Better (BBB) Act failed to gain traction at the end of last year. The House passed the BBB Act, but it died in the Senate due to the reluctance of Senator Manchin to pass legislation that cost over two trillion dollars on programs that he didn’t think were needed. Parts of the Build Back Better Act passed by the House would have made changes to Medicare. It would have added some level of eye, hearing and dental benefits, initiated government price controls on many prescription drugs, and would have set a cap on the yearly out-of-pocket costs in the Medicare prescription drug (Part D) benefit. I’ve commented in a recent blog on how destructive government price controls would be. In that same blog I stated that a yearly out-of-pocket cap on costs for Part D would be a great change. While adding benefits seems like a positive change the costs and the details for the added benefits would need to be carefully scrutinized.

I’ll go out on a limb (a pretty secure limb) and say that the BBB Act as passed by the House is dead. I’ll go out on a little less secure (but still pretty secure) limb and say that pulling out some of the parts of the BBB Act that affect Medicare and passing them in some other smaller bill is not going to happen in the next few months. Given that assessment I would like to talk about some overall long term healthcare changes that Washington should be considering.

We need to somehow wean ourselves away from a fee for service healthcare system. It magnifies the wrong incentives by focusing on volume rather than outcomes. This doesn’t mean we should cut back on tests and procedures that give us the advantage of early detection of health problems; it means we should pay attention to best practices and gather the data that will allow us to develop insights into the true value of individual tests. This same perverse incentive to order added tests is also driven by the lack of tort reform for our healthcare providers. When the fear of being sued drives our providers to order excessive tests and procedures it not only raises the overall healthcare and individual patient costs but often exposes the patient to added discomfort and danger. These types of changes have enjoyed bipartisan and bicameral support in the past and should be revisited.

We need to consider pricing drugs by the value they impart. We have been experimenting and, in some cases, implementing results-based pricing contracts that are based on the overall effectiveness of a medicine or procedure. There are ways to make informed estimates of the true overall value of a medicine. A medicine that saves lives, restores the ability of the patient to be self-sufficient or allows a patient not to be institutionalized all have a huge impact on healthcare and societal costs. We need to pursue these types of value-based solutions.

The value and effectiveness of preventative programs have been widely recognized but paying for these types of programs have been difficult to implement given the current short-term focus on cost. This bias was evident in my experience at the American Society on Aging conference I attended two weeks ago. There was real resistance to the idea of expanding Medicare Advantage (MA) programs that have the benefit of offering wellness programs to help us stay healthy rather than treat us after we get sick. MA plans are an example of the type of incentives we need to adopt in America’s healthcare system. The MA program saves money in the long run by keeping us healthy and out of the doctor’s office and out of the hospital. This allows the cost of a medicine or procedure to be offset by the savings generated by the avoidance of a stay in the hospital. Our siloed Medicare system (divided into Parts A,B, C, and D) prevents this type of accounting. For example, when Medicare Part D was first implemented hospital admittance by seniors fell. There was no way then or now for the savings generated by these lower hospital admissions to be credited to Part D. This lack of accounting is even less accurate in estimating the social affect of a patient who, through the efficiency of a provider or a new medicine, is able to return to work, support themselves and pay taxes rather than consume government funds. We need to find out how to develop systems that look to the long term and take a broader look at keeping seniors healthy.

These are some pretty lofty goals and may seem unreachable. I often find myself looking only at the next piece of legislation or the next executive order or the next regulatory change and fail to step back and look at the direction we should be headed to really fix America’s healthcare system. I think the suggestions detailed above should be touchstones to which we compare each proposed change, asking the question, does this get us closer to the above descriptions or take us further away? We can’t get closer to these long-term solutions if our next piece of legislation or executive order or regulation takes us further away.

As always, I’ll keep my eye on any healthcare legislation that pops up and keep you informed, but rest assured that I won’t just be interested in the short-term savings or impacts, I’ll also be looking at the long-term implications of each proposal.

Best, Thair