The Silsbee Bee (Silsbee, Tex.), Vol. 70, No. 27, Ed. 1 Thursday, August 4, 1988 Page: 11 of 22
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Cravens
Insurance Agency, Inc.
510 North 5th Street
Silsbee, Texas • 385-2854
Lumberton, Texas • 755-1817
PAULGEORGAS
385-4448
CAREY GEORGAS
385-5889
ROB GEORGAS
385-4219
IS YOUR INSURANCE
AGENT LOCKED INTO
ONE COMPANY?
There are 2 ways to buy insurance. You can buy your insurance from a one-
company agent. But they 're locked into only those policies that their
company sells. So their hands are tied.
Or you can buy your insurance from an Independent Insurance Agent
... the more-than-one-company agent. You see, a Big"I"' Independent
Agent like us doesn't work for one company. We represent several. So we’re
free to give you on independent opinion and advise you^
on the best coverage at the best price. And that
goes for homeowners, automobile, business, life
and health insurance.
Before you reach a verdict about insurance,
see your Big "I" Independent Insurance Agent...
the more-than-one-company agent. Do it today.
Thursday, August A, 1988
Read Pulm 92:12-15
God it our refuge and stren-
gth, a very present kelp m
trouble. Psalm46.il/lSV}
Recently I was privileged to
be with a missionary couple
who had been faithfully serving
the Lord overseas for many
years. After a fruitful ministry
they are contemplating retire-
ment. “It’s very hard," the wife
confided with tears in her eyes.
“We would never choose to
return home, but soon we will
be physically unable to cope
with the work here.”
As she spoke, I remembered
my grandmother. She too had
served God actively for the best
part of sixty years. Yet my
sweetest memory of her did not
come from that period, but
from the years before she died.
Confined to a huge armchair,
she sat all day long in her living
room, an expression of total
contentment on her face. And I
knew the secret of that con-
tentment. My grandmother
was constantly communing
with her Savior. She spent
hours each day praying, men-
tioning every member of the
family circle by name.
I shared this memory with
my missionary friends. To-
gether we praised God for the
sufficiency of grace-for the
power, peace, and joy available
to us in Christ at every stage of
life.
PRAYER: Thank You God, for
the many different ways of
serving You. May I know
contentment at tke center of
Your wilL Amen.
Thought For The Day
Our strength is made perfect in
weakness.
HI WANT ADS
GET RESULTS I
GARDEN
Grow a Cucumber
In a Bottle
THi SilSill BEE, Ibersdey, Aefest 4,19«l, Section 1, Page 3
Gently place a small cucumber
still attached to the vine in a clean
glass bottle or jug. Shade the
bottle with an old newspaper or
magazine to prevent the sun from
scorching the growing cuke. The
cucumber will grow inside the
bottle and. if all goes well, the
cucumber will grow so large it
cannot get out of the bottle the
same way it got in. When the
cucumber reaches the desired
size, it is cut from the vine and is
pickled in the jar it grew in. This
is a good project for children. They
will delight in having such an un-
usual item to take to show-and-
tell at school.
^American Viewpoints
Colorado Blue Spruce
A common mistake is thinking
that since the Colorado blue
spruce is native to a cooler cli-
mate it should be planted in the
shade to give it cooler conditions.
The Colorado blue spruce needs
full sun to do its best and relative-
ly good drainage as well.
New Guinea Impaliens
New Guinea impatiens will
grow in full sun but prefer par-
tial shade. New Guinea impatiens
w ill have sparse blooms and poor
flower color when grown in full
shade. This is unlike regular im-
patiens which thrive in the shade.
The Prompt Shop
Arts and Craft Supplies
1114 Highway % South
Signup For T-Shirt Painting
Cake Decorating - Wood Painting
Classes Starting Soon
Wedding Supplies
Johnnie Rush
385-4173
A house divided against
itself cannot stand—I be-
lieve this government cannot
endure permanently half-
slaveand half-free.
Lincoln
’■ Need to send a message to a lot of people?a<
you can buy $,750 postcard* thii tixo for $105.00. Howavar, you
would still have to pay far printing « manege an them and far ad-
drenina ell the cards.
A quicker, easier, mere convenient, mere effective method of
reaching the 5,750 people who bay TIM IILMU IN each week
(phis 9,625 ether member* of the families) weald be to place an ad
this site...
in THE SILSBEE BEE
AD THIS SIZE
TOTAL COST
*25
00
WAL-MART
Pharmacy
1010 HWY 327 EAST
SILSBEE, TX .....
385-1437 f ^
fM astir ........'=~j|
SHOP & COMPARE OUR Mh^jJ
EVERYDAY LOW PRICES ■■■■
ON QUALITY NAME
BRAND & GENERIC DRUGS
We Wont Knowingly Be Undersold!
Kaopectate
Fast, affective relief of diarrhea
Comment
Dose
Kaopectate^
Tablet hirimila
[asyToSuallow
Tablets j
$2.77
YOUR
CHOICE OF
12 TABLETS
12 OZ. LIQUID
8 OZ. CONCENTRATE
Micatin
; :r
Micatin .. Af) QQ
ffi 08,. -as. >d.OO
YOUR CHOICE
n JL OF
cure : 3 oz. powder
. *?r. 3.5 02. LIQUID
Athlete s or
Foot 3 oz. JOCK ITCH
Alka-Seltzer
EFFFAVESCLNT
■i AWTACIPA
S FAIN MLIFVIR
tmevfsctwT
AN TATI t* A
win AEucvre
24 TABLETS
EXTRA STRENGTH
•2.24
36 TABLETS
ORIGINAL
OR
FLAVORED
*2.12
72 TABLETS
ORIGINAL
OR
FLAVORED
’4.16
R&C
Controls lice in the home - prevents ^infestation
4 OZ. SHAMPOO
m $5.97
5 OZ. SPRAY
$3.17
K -ic
IF
3-_ 8*
KIT
$8.88
(orrectol
Su,
PREGNANCY TEST
Daisy2
30 TABLETS
$2.47
' -\ANC * *«$?■-
CsMOfs&i* Re*,;
•0 TABLETS
$4.17
The Modern
Gentle
Laxative
wo sompieie ‘esis
tor ocuOie ;nec*6c
confidence
Daisy2 double pack
$10.88
LONG TERM CARE INSURANCE:
BUYER BEWARE
by Jim Firman
o you sometimes worry about how you
If w'll Pa> tor nursing home care or for help
WMm at h°m<; if you should need it? Do you
wonder whether or not you should buy a long term
care insurance policy? You are not alone. Millions
of older Americans and their families are wrestling
with these very same concerns.
Here's why:
• Medicare does not pay for Pong term care. Less
than 2% of all nursing home bills are covered by
Medicare. The so-called “Catastrophic Bill ."that
expands Medicare coverage for extraordinary
hospital and drug bills, does not do much of
anything to improve coverage for long term care.
• Medicaid does pay for nursing home care, but
you have to go broke first to receive it. To qualify for
Medicaid, you will have to spend down almost all of
your assets and your spouse will have to live on a
very restricted income. Home care coverage under
Medicaid is extremely limited and sometimes it is
hard to get admitted into a good nursing home when
you’re on Medicaid. However, until something
better comes along Medicaid is the only real public
option available to most older persons.
• Medigap policies don’t cover long term care
either. We have carefully analyzed more than 125
Medigap policies now being sold and none of them
provide any substantial coverage for long term care.
Many policies claim to have “skilled nursing care
benefits," but by and large these benefits are tied to
Medicaid payment and are virtually worthless.
What about private long term care insurance
policies? Almost all of the major insurance com-
panies (and many fly-by-nights as well) are now
marketing them. Although today’s policies are
slightly better than those offered a year ago, they are
still not good buys. Most of these policies have
several major flaws:
• Even if you buy a policy, there is a substantial
risk that you won’t be covered for a long term nurs-
ing home stay. The limitations and exclusions in
various plans are so severe that many people won’t
ever be able to collect. We are now analyzing more
than 60 private long term care insurance options
being sold to older persons. Here’s what we’re find-
ing: depending on the policy, you run a risk of
between 25% to 80% that various restrictions and
limitations will exclude you from ever collecting any
benefits if you go to a nursing home.
• The actual coverage provided by most plans is
inadequate. Most plans provide a daily cash benefit
that does not increase with inflation. In other words,
you buy coverage that will pay you $20, $40, $60 or
more per day. However, the nursing home that now
costs $70 per day may cost twice as much by the
time you need it. Your policy may cover only a small
part of your actual nursing home bill and may even
mean that you will not be eligible for Medicaid!
• Current long term care insurance plans are
very expensive. Today the cost of the plans that pro-
vide at least $70 a day in coverage range from $500
to $5j0OO depending on your age. But you have no
guarantees about what will happen to your prem-
iums in future years. Most companies reserve the
right to raise premiums as much as they want.
• Home care benefits in current plans are mis-
leading and will not be of much real help. Our
analysis of long term care policies indicates that the
home care coverage in most plans is mostly a lot of
hype. Most plans provide only a little more than
Medicare covers anyway.
Until and unless companies offer long term care
insurance that provides a lot better coverage, has
fewer restrictions and limitations, provides benefits
that are indexed to inflation, and has reasonable
premiums that cannot be raised through the roof, we
advise most people. “Put your money in the bank,
instead of buying a Long Term Care policy.”
There must be, however, ways that we as a society
can protect ourselves from the crushing financial
burdens of Long Term Care.
North of the border, in Canada, they’ve solved the
problem. Canadians get good Long Term Care pro-
tection as part of Canada's Medicare system. Just
about every Canadian—not just the very rich—can
afford Long Term Care protection. ■
Jim Firman is President of United Seniors Health
Cooperative, an independent consumer group of
older persons in the greater Washington, D.C. area,
not connected in any way with any insurance
company.
SenioiWatch is an information service of The Villers
Foundation, 1334 G Street, NW, Washington, DC
20005.
©Copyright, 1988, The Villers Foundation
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Read, R. L. The Silsbee Bee (Silsbee, Tex.), Vol. 70, No. 27, Ed. 1 Thursday, August 4, 1988, newspaper, August 4, 1988; Silsbee, Texas. (https://texashistory.unt.edu/ark:/67531/metapth821105/m1/11/: accessed July 17, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Silsbee Public Library.