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t • t f Senior Hot Line ! I I Lambs Featured Fantasyland (Written under the auspices of Lieutenant Governor Dave O'Neal) / (We are beginning a series of the most asked questions to the Illinois Department of In­ surance • concerning sup­ plemental and Medicare in­ surance. Other important questions and answers will appear in next week's column.) Q. What is a supplemental insurance policy? A. An insurance policy to pay for those costs of hospitalization, treatment, etc., which are not covered by Medicare and are the responsibility of the Medicare recipient. * Q. Are supplemental policies sold by the federal govern­ ment? A. No. This insurance is sold by private insurance com­ panies. These companies are not affiliate^ with the Medicare program. ^ Q Is supplemental insurance available on a group basis as well as on an individual basis? A. Yes. Some people are eligible for group insurance through their own or their spouse's employment or membership in an association. If you or your spouse are covered by a group plan, find out before you are eligible for Medicare whether your coverage may be continued or converted to suitable sup­ plemental coverage. Q. What are some, examples of medical expenses not covered by the Medicare program which are generally not covered by supplemental insurance policies as well? A. Frequently excluded expenses are: private duty nursing, routine checkups, eye­ glasses, hearing aids, dental work, cosmetic surgery, custodial care in nursing homes, psychiatric care and self administered drugs. Q. Do supplemental policies cover pre-existing health conditions, i.e., conditions that were in existence prior to the effective date of my policy? A. Most policies exclude coverage for pre-existing conditions for a specified period of time. However, some companies may attach a rider to the policy permanently excluding a particular health condition or conditions. Q. Medicare pays only for chargeg which are considered "reasonable charges", and services which are considered "reasonable and necessary". How do supplemental in­ surance policies determine their benefits? A. The benefits of these policies are usually tied to the amount of Medicare payments. Very few insurance policies will pay expenses not con­ sidered as "reasonable charges" and services not considered "reasonable and necessary" by Medicare. For example, if a surgeon charges $400 for an operation and Medicare determines $300 to be the reasonable charge. Medicare would pay 80 percent of $300. In most cases, a sup­ plemental policy would also consider $300 the reasonable charge and pay 20 percent of this amount. The excess would be your responsibility. (In this example, you would have to pay $100 of the $400 charge). If you receive a service which is not considered medically necessary by Medicare, such as routine physical examinations, most supplemental policies will likewise not cover this expense. Q. In purchasing an in­ surance policy, is it really important to know who sold me the policy? A. Yes. Be sure you have the agents -name and address as well as the name and address of the company when the ap­ plication is completed. Make checks payable to the in­ surance company rather than paying cash or making a check payable to the agent. Write or call us at Lieutenant Governor Dave O'Neal's Senior Action Centers at 160 North LaSalle, Chicago, 111., 60601, or 3 West Old Town Mall. Springfield, 111., 62701 with questions and concerns about any government agency or program. This column will be covering the many questions senior citizens may have on various subjects. Call statewide: toll free 800- 252-6565; Metropolitan Chicago; 312-793-3333 A year begun is to be reckoned as one finish­ ed. -Legal Maxim. The Lambs is featuring its special Winter Wonderland this January and February which is sure to delight everyone in the family. Highlighting the winter festivities is the Winter Fan­ tasyland exhibit of animated storybook characters which will be displayed in the Heritage House every weekend through February. Fantasyland is a special animated display of everyone's favorite storybook characters. Each miniature figure was handmade by Tom Byrnes of Lake Bluff who originally made the displays for his children. The exhibit grew until today it fills an entire wall of the Heritage House at the Lambs. The Mad Hatter's Tea Party from, "Alice in Wonderland" takes center stage with other favorites such as Old King Cole, Three Men in a Tub and Hans Brinker and his Silver Skates. When snow covers the ground, the Children Farmyard will be featuring good old fashioned sleigh rides, or if there is now snow, hay rides through the farm. All proceeds from the pur­ chase of goods at the Lambs benefits this program for more than 85 mentally retarded men and women. A visit is both a pleasurable outing an0 a learning experience as the family can watch the products being made in each of the shops by the retarded adults. The Lambs is open daily 9:30 a.m. to 5 p.m. at the junction of the Tri-State Tollway and Illinois Rt. 176, near Liber- tyville. For more information, call 312 363-4636. PRESENTS SEMINAR Unity church of Crystal Lake will be presenting a special 2- week seminar entitled "Your Path to Cosmic Power", PAGE 21-PLAINDEALER-FRIDAY. JANUARY 12. 1»7» starting at 11 a.m. Sunday, Jan. offers this series on a free-will 14, at 3 Chalet drive, located1 at offering basis. More ijv the intersection of Rts. 14 and formation can be obtained by 31. Unity is a non- calling 455-2479. denominational church and / Health Systems Hearings Have you ever wondered why the cost of a hospital stay has doubled in the last five years? Do you ever worry that some elderly and minority group citizens from Kane. Lake and McHenry counties find it dif­ ficult to afford many necessary health services? Did you ever wonder why paper, metal and glass recycling services are not readily available to many KLM residents? These are among the questions addressed in the draft 1979 Health Systems plan and Annual Implementation plan. Interested persons may examine and-or copy the plans at the HSA-KLM office between the hours of 9 a.m. and 5 p.m. Monday through Friday, or in the public libraries of McHenry. Comments can be presented and discussed at any of three HSA-KLM Sub-area advisory council meetings. Written comments may be mailed to the HSA office in time to be recieved no later than Thur­ sday. Jan. 18. Oral and-or written comments will be received at public hearings to be conducted Jan. 18 between the hours of 3-5 p.m. and 8-9 p.m. at three locations. In McHenry county a hearing will be held at McHenry county courthouse, Room 203, 2200 N. Seminary avenue, Woodstock. A public meeting to receive comments on HSA-KLM's application for federal assistance for the period May 1. 1979-April 30, 1980, willj>e held at the HSA-KLM office in Cary beginning at 5:30 p.m. Thur­ sday, Jan. 25. The draft grant application is available for public inspection and copying at the HSA-KLM office and the courity clerk's office McHenry county. Super -SSSi 1/3 to 75 % OFF! in " In accordance with DHEW regulations, the draft is written as if it were being submitted May 1, 1979. Therefore, some items may appear to have already taken place when in fact they are only anticipated. Farmers Giverr1 Chance To Prove Yields Locally "New proven yield procedure will be in effect for the 1979 set- aside program," Jim Lucas, county executive director of the McHenry County Agricultural Stabilization and Conservation Service (ASCS) announced. Proven yields for 1979 will be based on 1976, 1977 and 1978 production. Producers unable to reconstruct production evidence for all three years may furnish acceptable evidence for one or more years. The yield proven for each year will be averaged with the established yield for each other year. ^ Producers are urged to contact the county office for i n f o r m a t i o n r e g a r d i n g requirements for proven yields on their farms. A •Bridal Gowns •Bridesmaids' Gowns •Mother of the Bride Drp^pci •Bridal Veils & Hats •Bridesmaids' Veils & Hats All Sample Sizes B15-338-1210 0 0| Q. S sdfvfuM /̂' in the "HVoc 118 No. Benton CLEANING SERVICE INC CONTRACT SPECIALS •New Homes •Model Homes PROFESSIONAL Small Office & Household CLEANING •Apartments "Carpet Cleaning •Inside Windows •Weekly-Bi-monthly •Light Housekeeping Monthly CALL 385-0283 TODAY Marengo Federal SAVINGS AND LOAN ASSOCIATION COMPARATIVE FINANCIAL STATEMENT JOHN L.FREUND Freund Funeral Home Serving Wonder Lake and Chicagoland Area 815-728-0233 7611 HANCOCK OR WONDER LAKE Join the Lynn Steven's Losing Team! Figure analysis Lynn Stevens T-shirt w/purch. of ipacial program, (while they last) Trial visit, absolutely no obligation. Programs to be given away. Stop in and register, (no obligation) NEW FOR THE FIRST TIME M THE CRYSTAL LAKE AREA A figure contouring program designed for women. The fastest, easiest and most scientific treatment ever developed. MONDAY, JANUARY 15, AT THE CRYSTAL LAKE PLAZA THESE ARE THE RESULTS YOU CAN EXPECT It you or* Sit* 14 Y*g Can K« Sit* 10 in 34 Day* Sit* 16 " Y*u con ft* Sit* 12 in 38 Day. SIM 11 Y*u Can a* Sit* 14 in 31 Dayt KM 30 Y*u Can a* Sit* 14 in 61 Dayt Sii* 77 . Yaw Can l« Sit* 16 in 63 Dayt SPECIAL GRAND OPENMG OFFER! 1979 ENTIRELY ACTIVE PROGRAM CONSISTUG OF: Muscle-toning, and co- \j ordination • Inner/outer thigh equipment • Jogging machine • ^ Abdominal machines. multi-purpose • Trim trac, etc. • Sauna • -1 Shower facilities. ONLY 750 I PERM0I Introductory Program -- FOR A FREE VISIT - Complete use of all facilities with no obligation to buy. f,rst 100 women Guaranteed results 'Other programs available CALL 455-4110 NOW FOR AN APPOINTMENT RESOURCES DECEMBER 31,1977 DECEMBER 31, 1978 First Mortgage Loans Improvement Loans College Loans Loans on Savings Accounts Real Estate Sold on Contract Real Estate Owned or in Judgment Cash on Hand andjn Banks U.S. Government and Agency Obligations Stock in Federal Home Loan Bank Office Buildings and Equipment Prepaid Secondary Reserve Other Assets TOTAL RESOURCES LIABILITIES and RESERVES Savings and Certificate Accounts Advances from Federal Home Loan Bank Loans in Process Advance Payments for Tax and Insurance Deferred Income Other Liabilities Specific Reserves General Reserves and Surplus TOTAL LIABILITIES and RESERVES $ 94,955,349.54 $113,656,677.18 2,465,503.99 2,977,743.05 131,530.26 210,575.44 1,306,685.08 1,668,287.49 508,166.34 501,133.31 52,241.93 88,075.61 3,938,343.61 2,058,495.79 4,287,949.12 ~5^M4,1.59 666,200.00 866,100.00 . 870,968.92 1,129,607.06 252,151.44 225,513.97 1.867,576.70 2.050,447.72, SI 11.302.666.93 S131.314.198.21 S 92,700,880.23 $108,877,103.30 5,000,000.00 8,000,000.00 4,745,314.27 5,163,208.54 1,273,146.34 1,280,107.92 883,613.12 172,938.50 639,623.63 659,370.69 16,806.43 26,045.78 6,043,282.91 7.135.423.48 $111.302.666.93 FACTS of INTEREST for YEAR 1978 } 1 5 i HOURS: Mon.Fri. 9 9 Sat. 9-5. Sun. 1-5 HEALTH STlTDIO EXERCISE * FITNESS CENTERS Enclutivly For Wo mm 24 CRYSTAL LAKE PLAZA RT. 14 AT VIRGINIA RD. Interest Paid to Savers Increase in Savings Accounts Increase in Mortgage Loans Total New Mortgage Loans Made Increase in Assets Increase in Reserves $ 6,974,784 16,176,223 18,761,327 32,579,837 20,011,531 1,079,484 Save at McHenry County's Oldest, Largest, Strongest Association A Mutual Association serving Northern Illinois for over 50 Years. MARENGO FEDERAL SAVINGS and loan association V MARENGO OFFICE 200 East Grant Highway Marengo. I l l ino is 60152 Tel. 815-568-7258 ' WOODSTOCK OFFICE 118 Cass l . ' o o d s t o c k , I l l i n o i s b ! > H 4 , s Tel. 815-338-2900 McHENRY OFFICE 4 4 0 0 & t . 1 2 0 M c H e n ry,. Illinois 60050 T e l . 8 1 5 - 3 4 4 - 1 9 0 0 A mutual Association serving McHenry County for over 50 years