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Smart Film

By Chris Balzer, ECES

But, soft! What light through yonder window breaks?
It is the east, and Juliet is the sun.
– William Shakespeare, Romeo and Juliet

No one would dispute that having the beauty of soft natural light shining through our windows puts a smile on our face and warms our hearts. We have windows to let in light and give us views into our world. You might have a lake view, an ocean view, a pool view or simply a view of the outside. What I am finding out is that many of us have windows that are letting in much more than soft natural light and have become a nuisance. We purchase blinds and curtains to block the heat. We search for dark or mirrored film to help against the heat while maintaining some of our view. We place towels and blankets over our furniture and wood floors to protect them from fading and cracking. We even go to the extreme of replacing our windows with expensive Low E glass.

There is a solution, ERG (energy reflective glass) or smart film. I know what you are thinking: another film, great, tried that, didn’t work or my HOA won’t allow it. ERG is not your typical window film. In fact, it has some of the most technological advances built into this smart film. Most films use dyes and aluminum. ERG uses a proprietary technology to sputter gold and silver allowing the film to be virtually clear and highly energy efficient. A client of ours in Inlet Beach built their home in 2017; they struggled with trying to keep their master suite cool due to all the windows letting in heat. We coated their windows and after two months they contacted us and said, “Thank you so much! We are very happy with the heat reduction we have noticed.” There is science behind this magic. Astronauts use a visor assembly coated with a thin layer of gold that filters out the sun’s harmful rays and protects the spacewalker from extreme temperatures. This technology has been adopted and available to solve the problems in our homes and offices. One popular question we are asked is, do I need to coat all my windows? The answer is no. We want to only address the problem windows: the windows which get direct sunlight, the windows from which you feel heat radiating.

Because the film is virtually clear, you will maintain your original architectural integrity.
Basically, it won’t change the look of your home. What our ERG film won’t do is block glare or shade a room. ERG blocks the heat, not the view. Another benefit of our ERG film is that it rejects 99% of Ultraviolet (UV) rays which damage floors, furniture, blinds and drapes. If you have been searching for a solution to block the heat and not your view, contact us for an in-home demonstration and see for yourself how we can block the heat and not your view.

Chris Balzer is Founder and President of Emerald Coast Energy Solutions, a Smile Provider Company. We provide smiles to our customers after installing our high energy efficient products, increasing comfort and lowering energy bills. For more information on how to save this fall and become energy efficient, schedule an inspection by calling (850) 588-2870, visit www.trusteces.com or email wecare@trusteces.com and “Beat the Heat!”

The Market Shops Sixth Annual Bloody Mary Festival Oct. 23!

Proceeds to benefit Habitat for Humanity – Walton County

The Market Shops will host its Sixth Annual Bloody Mary Festival benefiting Habitat for Humanity – Walton County. The annual event, powered by Step One Automotive Group, will feature unlimited tastes of South Walton’s most creative and innovative Bloody Mary’s made with Distillery 98’s Dune Laker Vodka and served by the finest restaurants and bars on the Emerald Coast. For a $40 donation to attend, guests are invited from 11 a.m. to 2 p.m. to enjoy up to 25 of South Walton’s most coveted Bloody Mary’s. Restaurants confirmed to compete for the 2021 Best Bloody Mary in South Walton include Bijoux Restaurant + Spirits, Emeril’s Coastal Italian, The Henderson, Jackacudas, Signature Catering of 30A, Stinky’s Fish Camp and many more. A panel of select food critics and local celebrities will judge each Bloody Mary to select the winners for the most delicious and most creative. There will also be a highly coveted first-, second-, and third-place People’s Choice Award that is selected by each guest in attendance. Parking will be available at The Market Shops with additional parking at The Beach House located in Sandestin Golf and Beach Resort. A complimentary shuttle will travel to and from the festival from 10:30 a.m. until 3 p.m. Tickets are currently on sale through 850Tix for the pre-sale price of $40 or can be purchased the day of the event at the door for $60. Purchase tickets at www.themarketshops.com.

Seaside School Foundation Hosts 20th Annual Race! Feb. 20, 2022

The Seaside School Half Marathon + 5K will be back in-person for the 20th anniversary running on Sunday, Feb. 20, 2022, in Seaside. The three-day charity race weekend kicks off with the coastal cuisine event Taste of the Race on Friday night, then proceeds to a fun-for-all-ages Race Expo on Saturday, and culminates on Sunday morning with the running of the half marathon + 5K along the iconic Highway 30A starting and finishing in Seaside. Registration for the 5K is $95 and the half marathon is $125. In order for virtual race participants to receive complimentary swag bags before race week, virtual runners need to complete registration before January 28th, 2022. 100% of the funds raised from the race weekend benefits the Seaside Schools Foundation, which supports the Seaside Neighborhood School and Seacoast Collegiate High School.

Register at http://runseasidefl.com.

School Updates

From Okaloosa County Superintendent Marcus Chambers
As we enter the second month of the 2021-2022 Okaloosa County School District school year, our employees are busy ensuring that every student receives a world-class education in a safe environment. We are focused on the mental health of our students as it is impossible to ignore that everyone in our community is currently facing major challenges. I am proud to be a part of team OCSD as I know every teacher, staff member, administrator, bus driver, parent and community member is here to make sure that every child has what they need to be successful in life. Thank you all for taking the initiative to do what it takes to make a difference in the lives of our students!

For many students, school is more than an education; it is a safe place to connect with friends, obtain healthy meals, and grow into an empowered individual that will positively impact their families, communities and the world. We have several opportunities including Kids C.O.D.E. and other Career and Technical Education (CTE) programs, organizations like HOPE Squad, a group that focuses on suicide prevention and will be active in every school in Okaloosa County soon, and State Championship athletic and music programs that students can participate in.

Parents, thank you for trusting us with your child’s education every day. Your child is our priority and every decision made is based on their safety and education. Your partnership during these difficult times has been invaluable as you have stepped into new roles you didn’t have prior to this pandemic. We could not do this without you!

Without our community, the Okaloosa County School District would not be the A+ School District that it is. The relationships that we have and are building with individuals and businesses is so important as we strengthen the education and opportunities we provide our students, especially during these difficult times. Thank you to those of you who have invested in our students and schools.

Every stakeholder in this district is a member of team OCSD and without the entire community, we would not be the district that we are, setting a positive example for other districts across the nation. We live in the best community!

Walton County Superintendent A. Russell Hughes Update
This year began in EPIC fashion, a reflection of Superintendent Russell Hughes’ theme ‘EPIC 4wRd. – Recalibrated, Refocused, Ready and Rocking!’ “Preparing to engage children, building teacher capacity to maintain rigorous instruction while providing social-emotional support for students is at the forefront of every decision. Intentional thought goes into every detail, so our children come to school excited, ready to learn in a safe environment,” Superintendent Hughes says.

Teachers and district leaders participated in Capturing Kids Hearts, a K-12 SEL (Social-Emotional Learning) training that equips professionals to implement transformational processes focused on emotional wellbeing, relationship-driven campus culture, and student connectedness.

Teachers and school leaders learned strategies that contribute to improved school culture and climate.

Walton County School District is committed to creating safe and welcoming learning environments where students are connected and eager to learn.

Part of creating safe and welcoming environments includes maintaining a vigilant approach to children’s health. District Mitigation Strategies for the protection against COVID-19 are still in place and mimic the state implemented design:
• If a person is sick, they should stay home. (students, teachers, staff, and visitors)
• Face covering is optional for all, including the bus.
• Hand Sanitizer is available at various areas inside the school.
• Social distance from others as much as possible.
• Signs are displayed to remind those in schools about social distance and the use of hand sanitizer/washing of hands and face covering.
• Daily cleaning and disinfecting school facilities/buses occupied by students
• Adequate mitigation supplies on hand at the schools/facilities (hand sanitizer, disinfectant wipes, masks, etc.)
• COVID-19 vaccination is optional for all students and employees.
• COVID-19 contact tracing occurring in all schools/facilities (2021-2022 WCSD Decision Tree for employees and students)

The protocols above have kept outbreaks at schools to a minimum. Currently, the number of Walton County School District students identified as having the COVID virus is 3.1%, and an exceptional 97% have been COVID-free. Although we would love to have a 0% contraction rate, our present percentages are due to the collaboration and cooperation of teachers, principals, staff, and community members. We encourage every family to remain diligent and vigilant as we get through this uncomfortably challenging time.

Meet Our Hometown Hero: Lannie Corbin

By Kenneth Books

In 1971, the Vietnam War was in full swing, as were the protests against it. The 26th Amendment to the U.S. Constitution gave voting rights to 18-year-olds. Disney World opened in Orlando.

And young Lannie Corbin was hired as city clerk at his home town of Niceville.

Today, Lannie, 79, is city manager. With 50 years of experience, he is the longest-serving city manager in Florida.

In 1971, Lannie was working for General Electric Credit Corp. in Jacksonville. Later, he was promoted to full-time manager in Fort Myers and Naples. But his heart belonged to Niceville.

“I came home one day and told my father, ‘If you hear of something in Niceville, let me know about it, because I want to move back,” he said. Shortly thereafter, City Clerk George Key became sick with cancer and resigned. For the next several years, Lannie was both city clerk and city manager.

“That was good, because I got to see the administrative and financial sides,” he said.

The last 50 years have been rife with accomplishments. Lannie is proudest of the creation of a city complex on Partin Street.

“Niceville City Hall was across the street where Dairy Queen is,” he said. “It was a small building with a jail, police and fire company. There was no library or fire station.”

When revenue sharing was born, Lannie saw his chance to build something memorable.
“The city council wanted to see Niceville grow,” he said. “So, we started buying land.”
A restaurant known as Darcy’s was a gathering place, a place to talk with others, hear scuttlebutt and pick brains. “I started asking about Turkey Creek,” Lannie said. “As a kid, I used to swim there.”

At the time, a bank sat on the Turkey Creek location, but it began sinking, because the builder failed to put pilings under the building. So, the bank offered to sell the property to Niceville for $100,000 ($574,081.48 in today’s economy). Then it was time to start applying for grants.

When the grants started rolling in, construction began on the property and the city built a beautiful boardwalk, which today is a popular place for folks to walk through the pristine woodlands surrounding the city.

“We built it in-house,” Lannie said. “It turned out to be a home run.” Later, another grant financed construction of a northern portion of the boardwalk.

But the growth was not finished. Lannie still wanted to create a one-stop site for city functions. So, the city bought the property on which City Hall now stands from Valparaiso Realty and quickly built the city police facility and a firehouse. Later, one of the best libraries on the Panhandle was added.

A softball complex was also built which is home to some of the best softball tournaments in the South. For the men, “The Wounded Warrior Classic” is held on Memorial Day weekend and The Mullet Classic is held on the July 4th weekend. Both tournaments attract teams from throughout the southeast and have been annual events for more than 40 years. There are also numerous Youth Fast Pitch softball and baseball tournaments held throughout the summer.

A visit to Lackland Air Force Base in San Antonio gave Lannie and others the idea of building a large water tank, which was placed in the center of the softball fields and stands as a city landmark. Under the tank are concession stands, offices and an observation area.
An out-of-business skating rink was converted to a 121,000-square-foot community center.
It wasn’t all successes for Lannie, though.

“Bluewater Bay wanted to annex into the city in the late 1980s,” he said. “Twice, the city council voted for the annexation. Then, the third time, one council member who had supported the move changed his vote to a no. At the time, I thought it was a big disappointment. Politics were more involved then than they are now.”

But, he said, “We didn’t just sit back and feel sorry for ourselves. We just kept growing.”
Lannie’s wife, Judy is a fourth-grade teacher at Plew Elementary, teaching in the same room as his daughter, Christy. Another daughter, Kathy, is a systems analyst.

Lannie has no immediate plans to sit back and enjoy retirement.

“My wife and I recently bought a new home,” he said, “and we’re going to move in soon. I’m not much of a traveler. My plans are to work here as long as my health is good. I might go another year.”

And there are still projects to consider.

“John Sims Parkway is getting more and more congested,” he said. “I’d like to find a relief valve for that.”

And, he said, “I want to make Niceville a totally walkable city. We’re putting aside $500,000 a year for sidewalks. It’s a good target to hit.”

Bay Life’s “Hometown Heroes” are sponsored by Northwest Florida State College. To read about more Hometown Hero graduates or for more information, call 850.837.8880 or visit nwfsc.edu.

Local Dining, Drinks and Coffee! Oct. 2021

LJ Schooners Dockside Restaurant
Welcome to LJ Schooners Dockside Restaurant located at the spectacular Bluewater Bay Marina Complex. The restaurant is named after “LJ Schooner” (the LJ is for Lazy Jack) who was a cherished four-legged icon on Bluewater Bay Marina docks. The open air Oyster Bar and restaurant is open to serve you! Almost all seats offer a magnificent view of the water, marina and unparalleled sunset with, of course, oysters and a delicious varied menu with dinner specials such as Blackened Mahi and grilled shrimp with hollandaise, served over cheese grits!

Join L.J. Schooners for Sunday Brunch, 9 a.m. – 1 p.m. and drink your bottomless Mimosas for $10! Adults $13.95; Children 7-12 $4.50; Children under age 6 free. Call to order take-out and pick-up in the L.J. Schooners Oyster Bar or call when you arrive for curbside pick-up.

And don’t forget, now through Oct. 28, 2021, it’s the Thursday Throwdown Fun Paddle Board Race series! Bring your own or rent for $20. All ages welcome. Every Thursday at 6 p.m. Call 850.699.0045 for more information. And don’t forget the monthly Sunset Shrimp Boil.

Upcoming not-to-miss-events include the YOLO Relay Race, a Ruckel Dance Team Fund Raiser on Oct. 7, the 28th Single Handed Sailboat Race on Oct. 16 and Missing the Mullet Festival – Mullet Toss and Mullet Fry on Oct. 17.

Dine-in, Pick-up, To-Go
Open Wed.–Sun., 11 a.m.–8 p.m.
(850) 897-6400
290 Yacht Club Dr., Unit 200, Niceville
bluewaterbaymarina.com/schooners

Brothers Kitchen
Brothers Kitchen is a casual, Southern-style restaurant, a place where you can get all your comfort food favorites. Blue Plate Specials are featured each day—meaning you choose one meat and two of many vegetable options from the daily list. And there’s so many homestyle choices such as Country Fried Steak, Pork Bar-B-Que or Smoked Chicken Breast. Or pair super fresh salads, turnip greens, fried okra, potato wedges or mac ‘n cheese with the famous Boss Burger. Nightly specials vary each evening, but can include grilled or fried fish, shrimp & grits, pasta dishes or steak specials including Brothers Top Sirloin, Delmonico, Ribeye and Queen’s Filet Mignon. Come on by and “taste” for yourself! Or checkout the Brothers Kitchen Facebook page for the daily specials and call, stop in or order ahead. Pre-order for the weekend 24 hours in advance: Smoked whole pork butt, full or half racks, barbecue smoked meatloaf, smoked wings all slow-smoked on the Big Green Egg. And don’t forget the sides! Call 850-842-2687 to place your order! All the Time: Dine In, Curbside, Pickup, Delivery, Outside Dining
Open Monday – Saturday, 11 a.m. – 9 p.m. Closed Sunday.
(850) 842-2687
4538 E. Hwy. 20, Niceville
Facebook @LoveBrothersKitchen

JoJo’s Coffee & Goodness
Owner and operator Angela “JoJo” Stevenson invites you to enter a cafe and relaxed coffee shop atmosphere for a daily dose of “goodness.” Her dream team bakes fresh breakfast and lunch daily—Tuesday-Saturday. Feel free to work on site (free WiFi) or meet up with friends or family. Stop in for Cinnamon Rolls; Scones: Cranberry Orange, Chocolate Caramel and Cheddar Thyme; Strawberry Coffee Cake; Cranberry Orange Muffins; Red Velvet Cookies; Brownies with Espresso Ganache or Caramelitas! Try a Breakfast Special with a piece of Quiche or Kolache-Hashbrown Casserole. Breakfast Burritos are rolled and ready daily! Choose from Andouille, Bacon, Chorizo or Veggie. Or tantalize your taste buds with a made-to-order Breakfast Sandwich on Croissants or Bagel with two eggs and cheese and then choose if you want to add Jojo’s homemade smoked jalapeño beef bologna, bacon, house smoked bbq or ham!

Come by, say hi, and meet new kitchen manager, Kiefer Adams, who is making a huge impact!

Jojo’s has been adding new menu items, but the Cinnamon Rolls and Kaloches still hold the top spot for SELL OUTS! Back to school means change in flavors: Caramel Apple, Peach Cobbler and Almond Joy are just a few of our scone flavors this month. Fall means we are back in “pumpkin” business. Stop in for featured Muffins, Coffee Cake or Pound Cake which go great with Jojo’s Maple Cinnamon Latte or Caramel Macchiato!

Every day is a day for freshly Roasted Coffee and great doses of goodness! Order ahead and pick up some for the office, a gathering or your next meeting!

And please tell Jojo that Bay Life says hi! Hours 7:30 a.m. – 2 p.m. Tuesday – Saturday
(850) 737-6194
4652 Hwy. 20 East, Niceville
bigorangehousedesigns.com

Five Key Benefits for Military Families

By William Blanken

Military families face plenty of financial challenges. If you’re saving for college or retirement, buying a home, or wondering how to help secure your family’s financial future, don’t overlook these five important benefits.

1. Thrift Savings Plan
Retirement is something you need to plan for, whether it’s far away or just around the corner. Even if you can rely on a military pension because you’ve stayed in the service for 20 years or more, it’s probably not going to provide all the retirement income you’ll need, and neither is Social Security. That’s why it’s important to save for retirement on your own. One option you have is to contribute to the government’s Thrift Savings Plan (TSP).
When you leave the military, you can’t continue to contribute to the TSP, but you have the option of keeping your money in the TSP or rolling it over to another retirement account, such as a traditional or Roth IRA or an eligible employer plan.

2. Savings Deposit Program
If you’re deployed to a designated combat zone for more than 30 consecutive days, you may have a unique chance to save for your goals at a guaranteed interest rate by participating in the Defense Department’s Savings Deposit Program (SDP).
Generally, you can withdraw funds and close your account only after you leave the combat zone and are no longer eligible to participate in the SDP, although emergency withdrawals while you’re deployed are allowed in some cases.

3. Post-9/11 GI Bill
Education benefits are one of the most valuable benefits available to servicemembers. If you’re entitled to benefits, the Post-9/11 GI Bill will pay up to the full cost of in-state tuition and fees at public colleges for up to four years, or up to a certain maximum amount per academic year if you attend a private college or foreign school.
But if you don’t need to use your entitlement, the Post-9/11 GI Bill can provide a great way to pay for your family’s education. Servicemembers who make a long-term service commitment have the opportunity to transfer unused education benefits (up to 36 months’ worth) to their spouses and children.

If both your spouse and your children are attending school, you can opt to split your benefit entitlement among them.

4. VA Home Loan
Military families can often benefit from the no-down-payment requirement of a VA loan. This type of loan, which can only be used to finance a primary residence, also features another money saving benefit: borrowers aren’t required to pay mortgage insurance.
Despite its name, the VA loan isn’t handled by the government. Like other home loans, VA loans are offered by private lenders such as banks, credit unions, and mortgage companies. The VA guarantees a portion of the loan, which may make it easier for you to obtain a loan or qualify for more favorable terms, including lower closing costs and appraisal fees. Not all lenders offer VA loans, so you’ll need to ask potential lenders whether they are VA-approved lending institutions.

5. Servicemembers’ Group Life Insurance
Knowing that your family will be protected is extremely important, and affordable term life insurance coverage is available through the Servicemembers’ Group Life Insurance (SGLI) program. Eligible servicemembers are automatically enrolled in SGLI, and spouses and dependent children are generally automatically insured through a related program, Family Servicemembers’ Group Life Insurance (FSGLI).

If you’re married, make sure that you and your spouse understand what financial challenges you face and what benefits you’re entitled to. Regularly discussing financial matters can help ensure that both of you are prepared to handle family finances whenever the need arises.

To learn more about Military or Veteran benefits for you and your family members, visit benefits.va.gov.

UWEC Announces 40 Under 40 Award Recipients

United Way Emerald Coast’s (UWEC) Emerging Leaders is pleased to announce the inaugural class of “40 Under 40” honorees, presented by Step One Automotive Group. This award seeks to recognize Okaloosa and Walton counties’ top young leaders excelling in their workplaces and making a difference in the community.

This is UWEC’s first year organizing the Emerging Leaders 40 Under 40 award. Seeing the talent, leadership, and passion possessed by the community’s young professionals, UWEC created a venue to acknowledge and celebrate 40 of these bright, upcoming leaders from various industries.

UWEC received 102 nominations for the inaugural 40 Under 40 awards. Nominee applications were reviewed by a selection committee comprised of established local leaders from the nonprofit, government, and business sectors who scored nominees in the areas of leadership, community involvement, and professional accomplishment. Honorees will be recognized during the 40 Under 40 Celebration on September 24, 2021.

The 2021 40 Under 40 award recipients are:
Andrew Rowe, 26, Synovus Bank
Anthony Lanier, 33, Boys & Girls Clubs of the Emerald Coast
Bernita Everett, 39, Eglin Federal Credit Union
Bobby Parker, 30, Corcoran Reverie
Bobby Wagner, 27, Trees On The Coast
Brittany Tate, 33, Okaloosa County School District
Carly Barnes, 35, Caring & Sharing of South Walton
Caroline Hare, 34, Shoreline Church
Chelsea Blaich, 32, Main Street DeFuniak Springs
Chelsie Sapp, 31, FamiliesFirst Network
Christie Austin, 35, Community Bank
Elizabeth Boswell, 38, Live Love Destin/Live Love 30A LLC
Emily Friedlander, 33, Fort Walton Beach Medical Center
Gabrielle Kilgore, 29, Walton Area Chamber of Commerce
Hannah Wilburn, 27, All In Credit Union
Heather Ruiz, 37, Bit-Wizards
Jared Williams, 35, Get The Coast
Jenni Brunson , 37, Okaloosa Gas District
Jeremy Radney , 33, Walton County Sheriff’s Office/Emergency Services Division
Jessica Proffitt Bracken, 36, Proffitt PR
Johnny C. Alexander, 37, ACE50 Media
Justina C.J. Turner, 38, Chesser & Barr, P.A.
Kalan Wasson, 29, Fort Walton Police Department
Karah Fridley-Young, 32, Destin Charity Wine Auction Foundation
Kelly Jasen, 39, United Way Emerald Coast
Khaliqa Wheatley, 33, Walton County Sheriff’s Office
Kilane Hacia, 29, Step One Automotive Group
Lane Redding, 33, Progress Bank
Leslie Moland, 37, White-Wilson Medical Center
Marlayna Goosby, 39, Grow Your Gift Conservatory of Music and The Full Circle
Foundation
Marlee Tucker, 25, United Way Emerald Coast
Miranda Adams, 32, Staples
Nathan R. Cordle, 31, Hand Arendall Harrison Sale
Robbie Truax, 37, Shoreline Church
Ryan Mims, 31, Florida Department of Health in Walton County
Sarah Peavy, 38, Emerald Coast Harley-Davidson
Shaye Smith, 33, The Center for Sales Strategy, LeadG2, and Up Your Culture
Stefanie Fontaine, 33, Bridgeway Center, Inc.
Sydney Harper, 31, Florida Department of Health in Okaloosa County
Teresa Imdieke, 39, Habitat for Humanity of Walton County, FL., Inc.

Emerging Leaders is a donor network for young, career-diverse professionals from entry-level to top executives between the ages of 21-40. Emerging Leaders is dedicated to creating a lasting impact in our community through volunteerism, advocacy and philanthropy.

United Way Emerald Coast is a local, volunteer-governed organization that works with hundreds of partners to fight for the health, education, and financial stability of every person in Okaloosa and Walton counties. To drive positive change, United Way Emerald Coast evaluates our community’s diverse needs, mobilizes the caring power of the community, and directs resources to the areas that will have the most positive impact in our community.

Have Medicare? Turning 65?

By Tina Fader

Did you know that there are 10,000 Baby Boomers turning 65 every day right now? You are probably one of them, or know someone who is. I would like to go over some basic facts about Medicare that you may already know about , but there still might be a few things you didn’t know.

Who is Covered
If you are turning 65 in the six months of your birth date, you may apply for Medicare Part A and Part B three months before or after your 65th birthday. You qualify for Medicare Part A and Part B even if you choose not to take your Full Retirement Benefits (i.e. Social Security).

What is Covered
Medicare Part A is hospital insurance that helps cover hospital, skilled nursing, home health and hospice care. Medicare Part B is medical insurance that helps cover doctor visits, outpatient care and preventative services. It also helps to pay for services Part A does not cover, like occupational and physical therapy. Medicare Part C is a Medicare Advantage Plan that covers everything that Parts A and B cover and often includes services at no additional cost and may include Prescription Drug coverage.

You must have both Medicare Part A and B to join a Medicare Advantage Plan. Medicare Advantage Plans usually include extra benefits and services like fitness programs and gym memberships, mail delivery pharmacy access, health education programs, and a 24 hour nurse advice line, and may lower your out-of-pocket costs. You may also be able to customize your plan to meet your needs with optional supplemental benefits such as dental and vision coverage, for an added cost.

Medicare Advantage Plan Types
Health Maintenance Organization (HMO). A primary care physician arranges your healthcare in the plan’s network. Preferred Provider Organization (PPO). You can choose any provider, although you may pay more for out-of-network providers.

Private Fee-For-Service (PFFS). More freedom to choose providers may be available, however, a network arrangement may still apply.

Medicare Supplement Insurance Plans. Medicare Supplement plans can be purchased to go with Original Medicare to help with some costs Part A and B don’t pay, like coinsurance and deductibles.

Special Needs Plans (SNPs). Medicare Special Needs Plans are available only to people with specific diseases or circumstances. These plans include tailored benefits, providers and Drug Lists to meet the needs of members.

How My Plan Choices Affect Costs
Whether you choose Original Medicare or Medicare Advantage, you must pay your Part A and B premiums, if you have one. Medicare Advantage, Medicare Part D prescription drug coverage and Medicare Supplemental Insurance may have additional premiums. Your cost depends on the coverage you choose. The cost for a Medicare Advantage plan depends on whether the plan charges a monthly premium and pays any of your monthly Part B premium.

Original Medicare and Medicare Advantage plans both cover routine services. Medicare Advantage Plans are required to cover everything that Original Medicare covers, including coverage for services that Medicare considers medically necessary.

If you choose a Medicare Advantage plan, you still have Medicare coverage. You simply choose to receive your Medicare benefits through a private insurance company. You may pay an additional premium for the extra services and benefits of a Medicare Advantage plan.

Annual Enrollment Period began Oct. 15. This is a special election period when Medicare Beneficiaries can change plans for the following calendar year between October 15th and December 7th to become effective January 1, 2022. There are exceptions that may allow you to enroll outside of this period.

Tina Fader is a Licensed Health and Life Insurance Professional offering Medicare Advantage Plans, Medicare Supplemental Plans, Vision and Dental Plans for all ages, and Life Insurance. Tina has been a local resident in the area for over 20 years years serving the community and looks forward to serving your needs. Call Tina Fader for a confidential assessment at 850-368-8007 or e-mail tinafader@yahoo.com.

Rocky Bayou Remembers Betty Joyce Thomas

On October 19th, 2020, Betty Joyce Thomas, one of the four founders of Rocky Bayou Christian School, passed away. Many students expressed respect and appreciation for her influence on their lives. One former student penned, “To some who crossed her path, Joyce Thomas was just an English teacher who left critical marks penned in red ink upon quizzes and essays that were not quite up to par. Yet to students who heeded her instruction and responded to her red ink by correcting their ways, they were destined to possess a greater appreciation for who she was and were much more likely to notice the valuable fingerprint she left on their lives.” – Bobby Grete

One valuable fingerprint she left behind was her respect for the written word. She often led her students on literary adventures through the writings of Mark Twain, Shakespeare, C.S. Lewis, J.R. Tolkien and L.M. Montgomery. Most knew her for her love of Shakespeare, but there were a select few who had the privilege of listening to her read the Chronicles of Narnia, a favorite series of novels. A group of former students and friends rallied together to donate a classroom set in her honor to the Saxon Library at Rocky Bayou Christian School to begin the AY 2021-22 school year. May her love of good literature live on as students read these wonderful books.

The history of Rocky Bayou Christian school began in 1973 when God revealed to Harold and Joyce Thomas and Bob and Katherine Grete that they were to establish a Christian school in Northwest Florida that would teach that parents are responsible for the education of their children, and that God commands Christian parents to provide their children with an education based upon biblical principles. (rbcs.org)

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