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Cost of one Medicare supplement plan set to double - Traverse City Record Eagle

That's according to a letter he received from Blue Cross Blue Shield. "It's an intermediate solution to help people transition from what they've had for a premium to the open market price," he said. The program's members and volunteers have been helping people choose among the 10 supplemental plans offered by 50 companies. He's 82 and is in good health so he doesn't rely on his health insurance much. Some of BCBS's Medicare Advantage programs have no monthly cost, while others start at $30, McMahon said. Those with other plans will see much smaller rate increases, McLane said. They're not available to the remaining 46 insurers who sell supplement plans in Michigan. TRAVERSE CITY — Eugene Dawson and his wife JoAnne recently received a nasty shock when they learned their rates for their Medicare supplemental insurance will more than double. Anyone sticking with their BCBS legacy plan should check their subsidy eligibility, McMahon said. The Dawsons live just outside of Central Lake, and Dave Patton and his wife Maureen, the Dawsons' friends who live in the area, face identical hikes, Dave said. "People are talking to independent agents here about what else is available to them, and some of them have options but some others have limited options, it just depends on their situation," he said. He expects a substantial portion of the 6,000 people the program will help in a 10-county area in northwest Michigan will be those seeking less expensive options than their BCBS legacy plan. The rate hike is contributing a surge in the number of people seeking help from the Medicare Medicaid Assistance Program, Regional Coordinator Jim Verville said. 1 will pay more when the insurer ends a five-year price freeze and starts charging market rates for the plans. Subsidies range from $40 per month for those age 65 to 75, to $125 per month regardless of age for any disabled person with a Medigap plan. The Dawsons decided to go with another plan from Blue Cross Blue Shield. Health insurers can't deny people coverage because of pre-existing conditions, but the same doesn't apply to Medicare supplement plans. There are plenty of other options available for those looking to switch, but unlike legacy plans those at market rates vary in cost depending on a person's age, health and where they live. McMahon said BCBS of Michigan is concerned about its customers who will be hurt by the price increase, and invited any customers with concerns to call the company. The insurer lost $1. 1 billion during the past five years because of legacy plans, McMahon said. Medicare Advantage is another option, and while the plans include prescription medication coverage and the monthly cost is considerably lower, customers have to pay deductibles and copays, Verville said. Anyone changing supplemental plans or insurers might pay more, or be rejected, because of their health, Verville said. Mark McLane owns McLane Insurance and said he's fielded many inquiries from people looking to change supplement plans. Blue Cross Blue Shield of Michigan is ending this price freeze because of its reorganization as a nonprofit mutual carrier, in part because of the Affordable Care Act, McMahon said. The Medicare Medicaid Assistance Program isn't taking any new clients until the open enrollment period ends, but its members are available afterward to help people navigate the various options available to them, Verville said. That danger was warranted, as Traverse City West's 400-meter relay team smashed the meet record at the 43rd annual Record-Eagle Honor Roll Track Meet at Traverse City Central. "One of the things they said is they hadn't had a (rate) raise in five years, but nevertheless that's dropping quite a bomb on us," Eugene said. The state had previously required the insurer to subsidize its legacy Medigap plans when subsidy plans were the only option to cover what Medicare doesn't. He expects those to change at the start of 2017. Those subsidies also are available to Blue Care Network, Priority Health and United Health Care supplement plan customers, Verville said. The two have a Medigap legacy plan through Blue Cross Blue Shield of Michigan, and Eugene's monthly rate was projected to jump to $278. 76 from the current $122. 88. JoAnne's will jump to around $236 per month, she said. Unless Eugene and JoAnne change plans, they'll pay thousands more per year for plans that cover what Medicare doesn't, Eugene said. Jim McMahon is Blue Cross Blue Shield of Michigan's director for Medigap products, as the supplement plans are known, and said about 190,000 customers have legacy plans. Source: www.record-eagle.com

Price hikes loom for Leelanau Montessori - Traverse City Record Eagle

Instructors — if a merger is solidified — would be afforded the security of a contract with a higher base pay as part of Suttons Bay’s teachers union. “I think the (Montessori) curriculum is great for a lot of students,” Nelson said. And it’s a deal that Suttons Bay can no longer afford to offer, Nelson said. Non-unionized, charter school teachers can benefit through a merger but it comes at a price, Nelson said. “We’re investigating all of our options in terms of what the best move going forward might be,” Royston said, noting a plan to unify the two schools “under the umbrella of Suttons Bay” is being considered as an option. “We’re trying to come up with something that’s mutually beneficial but we can’t continue to subsidize their program,” said Suttons Bay Superintendent Chris Nelson, noting the Montessori school has for years been undercharged for transportation,... Suttons Bay authorizes the academy’s charter agreement and also serves as its landlord, with the academy occupying about 12,500 square feet in an obsolete portion of the district’s middle school wing for $33,500 per year. Nelson said his district isn’t imposing any immediate hikes to rent or utility costs because those items are locked into the Montessori school’s lease, which won’t expire until June 2018. An ad hoc committee was formed at the charter school and... That danger was warranted, as Traverse City West's 400-meter relay team smashed the meet record at the 43rd annual Record-Eagle Honor Roll Track Meet at Traverse City Central. TRAVERSE CITY — Rising costs could jeopardize the Leelanau Montessori Public School Academy's future as Suttons Bay Public Schools officials look to rescind an “olive branch” and eye sharp increases to the charter school’s rent and utility fees. “Our charter school audit took notice that we’re playing landlord and charter authorizer and recognized a potential for a conflict of interest to occur,” Nelson said, adding his district was advised to increase the costs to a “fair market value”... Source: www.record-eagle.com

Old books find new owners at Blue Vase - Traverse City Record Eagle

“It’s a needle in a haystack we’re searching for here,” Randy said. They scoured local resale shops for volumes that offered a possibility of profit. Blue Vase was the result. The business now has three full-time and three part-time workers. 17 from 9 a. m. to 3 p. m. Local patrons can browse shelves filled with books that all have the same price — $1 each. That “obscure stuff” includes books that may hold interest for only a select few potential buyers in the population. Bulk children’s books sell for $10 per plastic bag. TRAVERSE CITY — Randy and Jennifer Kaastra search for something akin to a needle in a haystack. The occasional textbook can sell online for up to $100, Randy said. Blue Vase sees two spurts in textbook sales that correspond to the start of college fall and spring semesters. “Books are all year,” Jennifer said. “The more we can sell locally and not recycle, the better,” Randy Kaastra said. The Kastraas have found that 5 to 10 percent of the books they purchase can be sold online for a profit. Part of the Blue Vase crew was busy last week packaging hundreds of Christmas gift boxes that the Kaastras bough from local suppliers. The couple launched Blue Vase Marketplace LLC 4½ years ago to sell various products online. The Kaastras have learned that each ton of books they purchase results in a fairly low, but reliable, return on sales. The Kaastras moved to northwest Lower Michigan in 2007. Randy had worked in building trades in the Detroit area since 1988. He continued in construction work after the move, but eventually sought change. Blue Vase also has provided books for a new library in Ghana. The monthly Blue Vase Book Exchange has attracted a local clientele that spans the gamut of readers. Jennifer is particularly proud of how many books teachers can acquire at Blue Vase for very little cost. The company plans two weekend book sales before Christmas at its warehouse, 13963 S. Robinson Road, off M-72 a few miles west of Traverse City. The local book exchange provides Blue Vase with another revenue stream. Many of the books sold locally didn’t make the cut for the company’s online sales efforts. Though books now provide the bulk of the company’s income, the Kaastras still sell a variety of products through the year, some of them tied to seasonal opportunities. The company’s warehouse is partitioned into two spaces, one for processing online book sales and the other to house the local shop. The holiday shopping season provides another high sales period, but online sales continue to flow despite the season. The most profitable types of books for Blue Vase have proven to be textbooks, nonfiction “and obscure stuff,” he said. Shoppers can trade used books two-for-one for in-store credit with some limitations. The staff time and cost to list those less-in-demand books for sale online isn’t likely to net Blue Vase a profit. Among the things they tried selling were used books. They use a computerized scanner to help them determine which books are likely to sell. They buy used books in 20-ton batches, then pick out the gems and sell them online. Jennifer said the company will accept all books for recycling, with the aim of keeping books out of landfills. The Kaastras’ business model for Blue Vase today is built around sifting through large quantities of used books — purchased sight unseen and delivered by truckload — for volumes that are in demand. They discovered that books were, indeed, a profitable niche — but they also discovered that scouring many stores for those books took a lot of time. That danger was warranted, as Traverse City West's 400-meter relay team smashed the meet record at the 43rd annual Record-Eagle Honor Roll Track Meet at Traverse City Central. Though most of the company’s sales and profits are generated online, Blue Vase also sells locally, during one-weekend-a-month book exchange and sale events. Source: www.record-eagle.com

Latest News

  • Cost of one Medicare supplement plan set to double

    Record-Eagle/Tessa LightyEugene Dawson sits in the living room of his Central Lake home, talking to his wife before dinner. Dawson is Some of BCBS's Medicare Advantage programs have no monthly cost, while others start at $30, McMahon said. Anyone 

  • Education programming, students play important roles for Inland Seas

    “Most people won't really have an opportunity to go out on a boat with professionals and find information that is actually going to be used later,” Nickerson said. Some of the most valuable learning experiences for Suzi Owen's sixth-grade students at

  • Price hikes loom for Leelanau Montessori

    Non-unionized, charter school teachers can benefit through a merger but it comes at a price, Nelson said. Instructors — if a merger is solidified — would be afforded the security of a contract with a higher base pay as part of Suttons Bay's teachers

  • TNT finds suspected meth lab in Interlochen camper

    TRAVERSE CITY — A suspected methamphetamine lab was uncovered after Child Protective Services alerted Traverse Narcotics Team detectives to an Interlochen home. Detectives sought a search warrant on a 28-year-old man and his 22-year-old 

  • Old books find new owners at Blue Vase

    The Kaastras' business model for Blue Vase today is built around sifting through large quantities of used books — purchased sight unseen and delivered by truckload — for volumes that are in demand. They then sell those select few on websites like

Books

  • Field & Stream

    2000. 114 pages.

    FIELD & STREAM, America’s largest outdoor sports magazine, celebrates the outdoor experience with great stories, compelling photography, and sound advice while honoring the traditions hunters and fishermen have passed down for generations.

  • National RV Trader, July 2008

    National RV Trader.
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