The air is crisp again which means it is time for Medicare Open Enrollment. Included in this issue are 6 Things you need to know about Medicare Open Enrollment, Information about the Affordable Care Act deadlines, and Fall Home Maintenance tips.
Brownell Insurance offers free consultations to make sure your health insurance plan meets your needs and ACA requirements to avoid fines.
We enjoyed seeing our neighbors this month at the Hampton Seafood Festival, and Derry Fest. Check out our Facebook page to see what we are up to!
Marie Brownell and The Brownell Insurance Team
Remember – we offer free quotes for all of our insurance products. Please don’t hesitate to “Dare to Compare” the insurance coverages you might have elsewhere to see if “bundling” them might save you a few hundred dollars. You just might find the service and savings you have been looking for!
Six things to know about Fall Open Enrollment
Fall Open Enrollment is the time of year when you can change your Medicare coverage. You can do this by joining a new Medicare Advantage Plan or by joining a new stand-alone prescription drug plan (PDP). You can also switch to Original Medicare with or without a stand-alone Part D plan from a Medicare Advantage Plan during this time. Click the link for six things to keep in mind while you are deciding on your Medicare coverage.
Dates & Deadlines for 2017 Health Insurance
Open Enrollment for 2017 health plans starts November 1, 2016. Important dates to note:
- November 1, 2016: Open Enrollment starts – first day you can enroll, re-enroll, or change a 2017 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2017.
- December 15, 2016: Last day to enroll in or change plans for coverage to start January 1, 2017.
- January 1, 2017: 2017 coverage starts for those who enroll or change plans by December 15.
- January 31, 2017: Last day to enroll in or change a 2017 health plan. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
Read More at Healthcare.gov
Fall Home Maintenance Checklist
By Barbara Winfield
Fall is just around the corner: time to get your house in shape for the cooler months ahead. Although autumn can be one of the busiest seasons for homeowners preparing for winter, it’s also the best time to take advantage of the moderate weather to repair any damages before the first frost sets in. Here are some home maintenance ideas that will keep your home running in peak condition all winter long.
Check foundation for cracks and caulk around the areas where masonry meets siding, where pipes or wires enter the house, and around the windows and door frames to prevent heat from escaping. “Caulking and sealing openings is one of the least expensive maintenance jobs,” says Michael Hydeck, Hydeck Design Build, Inc., Telford, PA, and National President, National Association of the Remodeling Industry ( NARI). “Openings in the structure can cause water to get in and freeze, resulting in cracks and mold build up,” he says. “Regardless of whether you live in a cold or warm climate, winter can bring very harsh conditions resulting in water or ice damage. A careful check of the outside structure combined with inexpensive maintenance can save you money in the long run.”
Install storm windows and doors and remove screens. Before storing, clean and repair screens, spray with a protective coating and place in a dry area of the basement or garage.
Inspect exterior walls to see if any paint is peeling or blistering on the house or outbuildings. According to Carl Minchew, Director, Benjamin Moore Paints, “Peeling paint is a sign that the existing paint film is failing and can no longer protect the siding of the building. Left uncorrected, the siding itself will deteriorate, leading to expensive repairs in the future.”
Make sure the roof is in good shape. Inspect for missing and loose shingles. “Ice, rain, snow and wind combined with rapidly changing temperatures and humidity wreak havoc on roofs,” says Jay Butch, Director, Contractor programs for CertainTeed Roofing. “Your roof is your first defense in protecting your home. Without it functioning properly, water damage can occur. This causes deterioration to insulation, wood and drywall, making electrical, plumbing and HVAC systems vulnerable. It’s better to proactively deal with repairs in the fall than to discover a leaky roof during a snowstorm. For safety’s sake, have a licensed, certified roofing professional check the condition of your roof.”
After leaves have fallen, clean out the gutters and downspouts, flush them with water, inspect joints, and tighten brackets if necessary. Clogged gutters are one of the major causes of ice dams. Replace old or damaged gutters with new ones that have built-in leaf guards.
Examine your pool cover for damage and replace if necessary.
Weather-strip your garage door. Make sure the seal between your garage door and the ground is tight to prevent drafts and keep out small animals.
Inspect your driveway for cracks. Clean out and repair any damage with driveway filler, then coat with a commercial sealer.
“Heating and cooling amount to 47% of the energy costs in your home. Proper sealing and insulation can save up to 20% on heating and cooling costs, or up to 10% on your total annual energy bill,” says Katie Cody, spokeswoman for Lowe’s. “Air leaks from windows and doors are easy to find by moving your hand around the frame. Applying weather stripping and caulk to these areas will help cut down on drafts.”
Have your heating system checked by a licensed heating contractor. Heating systems will use fuel more efficiently, last longer and have fewer problems if properly serviced.
Get your woodstove and fireplace in working order. Gary Webster, Creative Director of Travis Industries, suggests that you examine your wood stove or fireplace insert’s door gasket for a tight seal. Also clean and inspect the glass door for cracks and have the chimney cleaned by a licensed chimney sweep. “A clogged chimney poses the risk of a chimney fire, which can be ignited by burning creosote-a combination of wood tar, organic vapors and moisture buildup,” says Webster.
Change the direction of your ceiling fan to create an upward draft that redistributes warm air from the ceiling.
Test and change the batteries in your smoke and carbon dioxide detectors and keep extra household batteries on hand.
Check basement windows for drafts, loose frames or cracked panes.
Vacuum internal parts of air conditioners. Remove units from windows or wrap outside box with an approved tarp or plastic air conditioner cover in order to prevent rusting of vital parts.
Clean your humidifiers regularly during the heating season. Bacteria and spores can develop in a dirty water tank resulting in unclean moisture misting out into your room.
YARD AND GARDEN
Organize your garage.
Clean and store summer garden tools.
Clear leaves from lawn, reseed patchy areas, and plant spring flowering bulbs. If deer are a problem, start deer-proofing by covering plants with netting and chicken wire.
Prepare your yard equipment for storage. This includes draining fuel from all gas-operated equipment such as lawn mowers, leaf blowers, and chain saws.
Check to see that all of your snow equipment is up and running before the first flurry falls. Organize your snow clearing gear. When snow arrives you’ll want to have shovels, roof rakes and snow blowers where you can get to them. “Be careful where you store equipment,” says Travis Poore, The Lawn Ranger, a Home Depot Community Expert. “An outbuilding may not be as well insulated as a garage incorporated into a house. Equipment that is stored out in the elements, exposed to heat and cold extremes, can develop problems when the gasoline can no longer vaporize and flow into the combustion chamber of the engine.”
Drain garden hoses and store them inside. Also shut off outdoor water valves in cold weather. Any water left in exterior pipes and faucets can freeze and expand breaking the pipes.
Inspect and fill bird feeders. Keep in mind that once you start feeding birds you should continue on a regular basis throughout the winter months.
Fertilize the lawn with a high phosphorous mix to ensure healthy grass in the spring.
PORCH AND DECK
Check the supports, stairs, and railings on porches and decks. Make sure the handrails can support someone slipping on snow or ice.
Clean porch and deck furniture, and look for any needed repairs.
Cover and store outdoor furniture and barbecues in a protected area.
Make sure all soil is emptied from pots and planters. Dirt left in clay pots will freeze and cause the pots to crack if left outside.
Read full article at http://www.bobvila.com/articles/1499-fall-home-maintenance-checklist/#.V-sRuPArIdV
1/2 cup caramel topping
1/2 teaspoon ground cinnamon
6 large baking apples, peeled and cut into 1/2-inch slices
2/3 cup all-purpose flour
1/2 cup packed brown sugar
1/2 cup cold butter, cut into small pieces
2/3 cup quick cooking oats
Preheat an oven to 375 degrees F (190 degrees C).
Stir the caramel topping and cinnamon together in a bowl. Toss in the apples, mixing until evenly coated. Spread apple mixture into an 8-inch square baking dish.
Mix flour and brown sugar into the same bowl used to mix the apples. Cut in the butter with a knife or pastry blender until the mixture resembles coarse crumbs. Stir in the oats, then crumble over the apples.
Bake in the preheated oven until the apples are tender and the topping is golden brown, 45 to 50 minutes.
Recipe courtesy of: AllRecipes.com