Being Well: Paying Medical Bills the Smart Way

A healthy savings account may help you out when your insurance company won't. Plus, what to look for in a vacation home for Fido, page 40. How to avoid danger while exercising in the heat, page 42.



Ê

Ê

Ê

Ê

Ê

Ê

Ê

Ê

Ê

Ê

Ê

Ê

A health savings account may be used to pay for costs not covered by most traditional

insurance plans. The accounts must be set up long before your retirement years, says

James Gandolfo, one of the nation’s foremost experts on HSAs.

Photograph by Tom Nutter

Ê

You are covered by a high-deductible health insurance plan, so you’re daunted by the escalating cost of health care. Not sure how to handle it?

A health savings account is one solution. HSAs, authorized in December 2003 by the federal Medicare Drug Prescription Improvement and Modernization Act, allow some people to make untaxed contributions to a special fund, which can then be withdrawn tax-free to cover medical expenses that are not covered under their health insurance plans. In that way, they work much like a self-directed individual retirement account, but the money is available for use immediately.

“Consumer-directed health care and related HSAs engage the consumer in his own healthcare decision-making process,” says James Gandolfo, senior director and vice president of global business development-HSAs for PFPC, a member of PNC Financial Services Group, Inc. One of the foremost experts on HSAs in the nation, Gandolfo began a term as chairman of the HSA Council with the American Bankers Association on July 1.

To qualify for an HSA, you must have a deductible of $1,100 per year for an individual health insurance plan and $2,200 per year for a family plan. If so, you can contribute up to $2,850 to an individual HSA in 2007 or up to $5,650 to a family HSA. Deductions may be used to pay for health-related expenses such as eye exams, prescription eye wear, physical therapy sessions and other costs not covered by most traditional insurance plans.

Individuals can use their health savings to pay for medical expenses as they occur, save the receipts, then withdraw the money to reimburse themselves at a time that’s convenient for them, Gandolfo says. “HSAs give the consumer choice and control.”

HSAs are also great for retirees, who often end up withdrawing money from their 401(k) plans to pay for medical expenses, which is then taxed.

“However, HSAs must be set up long before the retirement years, since the key factor of the HSA’s eligibility is the ownership of a high-deductible health care plan,” Gandolfo says.

Ê

Ê

Ê

Doggone Good Vacation Homes

Ê

While making plans for that great summer vacation, don’t forget to make plans for Fido and Bells.

Weeks before setting out, it is important to find out what boarding facilities are near your home or destination and whether they can accommodate your pet. Facilities may be full during peak times such as the winter holidays and the week of July 4. If the kennel can accommodate your pet, make an appointment to visit beforehand.

“Making sure you have a proper boarding facility for your pet should be your No. 1 concern,” says veterinarian Andrea Richter. Richter and her husband, vet Robert Pedigo, own Savannah Animal Hospital and Savannah Animal Hotel in Lewes. “Families and individuals should go on these preview visits armed with questions. They should look for cleanliness and good ventilation for the animal. And they should note whether the animals are exercised regularly and are handled with compassion and affection.”

You should have a list of questions to ask on your preview visit: What type of food are the animals fed? When are they exercised? Do they have free access to water? Do they get interactive play time? What would happen if the animal should need veterinary care while the owner is away?

“Dogs must be taken out to be exercised and to go to the bathroom at least three times a day,” Richter says. At Savannah, dogs are exercised four times daily. Cats and exotic guests are exercised twice a day. Savannah Animal Hotel also offers additional playtime, socialization or attention such as brushing through its Special Attention Service.

For cats, make sure their primary enclosures are large enough to stretch and move in, and that they contain litter boxes that are cleaned regularly.

You must provide a vaccination record for any boarding stay, and shots must be up to date. If you supply toys for your pet, make sure they include the animal’s name, as well as your own. You may also supply your pet’s food if it’s not what the facility serves. “It will lessen the likelihood of gastroenteritis or colitis in the animal,” Richter says.

Boarding can be stressful for your pet, partly because of temporary separation anxiety. To ease your pet’s transition, make sure you leave ample time to check in. “The animals should never be in a rushed situation,” Richter says. So fill out all paperwork ahead of time, not on the way out of town at the start of vacation.Ê

If the pet travels with the family, it’s important to have copies of the animal’s rabies certificate and vaccinations, and it is important to know ahead of time if there are facilities nearby, in case of emergency. Be aware that your pet might come down with motion sickness.

“Some pets love to travel. Some find it stressful and become anxious,” Richter says. Consult a veterinarian for medications to minimize your pet’s stress during the trip.

Ê

Ê

Ê

Turning up the Heat for Athletes

Ê

Highly trained, Olympic-class athletes are better equipped physically to deal with heat when they exercise, but we normal folks and weekend warriors need to be careful. Exercising in the heat can lead to serious health conditions—even death.

So how do you avoid danger? Dan Wagner, lead exercise specialist at Bayhealth’s Lifestyle Fitness Center in Dover, says to pick exercise times carefully. It’s best to avoid exercising outdoors between 11 a.m. and 3 p.m., when the combination of high heat and high humidity put you at risk of heat exhaustion and heat stroke.

A person with heat exhaustion sweats profusely. He also experiences dizziness, high heart rate, confusion and loss of strength. Heat exhaustion can lead to heat stroke, a possibly fatal condition characterized by dry skin and loss of consciousness. When humidity approaches 50 percent or greater outdoors, the risk of such conditions begins to increase.

“Trained athletes have little problem with outdoor conditions, but even they take precautions,” says Wagner.

For one, dress in cool, light-colored clothing. (Dark colors absorb light, which increases heat.) Many items on the market today are designed to keep you cool during strenuous activity.

Second, drink 5 to 10 ounces of water every 15 minutes while exercising. Also, weigh yourself before you work out, then weigh yourself afterward. For every pound of weight lost during activity, drink 1.5 times as much fluid.

“If an individual loses 2 pounds during an hour-long activity, he or she should drink 48 ounces of cold liquid, preferably water, within an hour after the exercise has been completed,” Wagner says.

Cold fluids are better to drink than warm ones because your body absorbs them faster, thus cooling your body sooner. Be aware that your body can only absorb about a liter of fluid an hour.

Individuals who are just starting an exercise program should take great care during the summer, especially if they are overweight. Women are at greater risk of trouble because they generally have more body fat than men.

When possible, exercise indoors during those midday hours. If you venture outside, go in the morning or late in the afternoon, when it’s cooler. “It takes 10 to 14 days to get acclimated to the heat when exercising outdoors,” Wagner says. “It’s a good idea to have a back-up plan on those hot days. Stay inside and work out in the gym or go walk inside the mall.”

One last word of advice for exercising outdoors: Wear sunscreen. “A sunburn decreases the body’s ability to cool itself,” Wagner says—not to mention the risk of skin cancer.

And if you’re watching an athletic event instead of participating in one, remember to keep the fluids going. Spectators at outdoor events may be at greater risk of heat exhaustion and heat stroke than the athletes themselves.Ê

D

Ê

Ê

Ê

Ê

Ê

Ê

Ê

Ê

Edit ModuleShow Tags
Edit ModuleShow TagsEdit Module Edit ModuleShow Tags Edit ModuleShow Tags

January 2017

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Sports Card & Collectible Show at Aetna Fire Hall on Jan. 22—sign up now! -Sports Cards McFarlane Figures Comic Books Non-Sports cards Wrestling Items Vintage Starting...

Cost: $2

Where:
Aetna Fire Hall
400 Ogletown Road
Newark, DE  19711
View map »


Sponsor: A2Z Promotions
Telephone: 302-983-2636
Contact Name: Bob Harper
Website »

More information

The Rehoboth Beach Film Society announces the next play in the exciting series of National Theatre Live screenings. National Theatre Live is a groundbreaking project that presents the best of...

Cost: $18-$20

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

Belly Dance Classes with Zahra Beginner & intermediate classes open to teens and adults Sundays in January starting Jan 8th Beginner: 2:30-3:30 p.m. Intermediate: 1 - 2 p.m (must get...

Cost: $15-$42

Where:
Take the Lead Studio
320 Lantana Drive
Hockessin , DE  19711
View map »


Sponsor: Take the Lead
Contact Name: Zahra
Website »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

Ah, typecasting—the baritone is always the bad guy! In Devils, Drunks & Dastardly Dudes, we’ll go on an operatic journey of men behaving badly. We’ll add a tenor to the mix, too… but we...

Cost: $29-$59

Where:
OperaDelaware Studio
4 South Poplar St.
Wilmington, DE  19801
View map »


Sponsor: OperaDelaware
Telephone: 302-442-7809
Contact Name: Mary Wilcosky
Website »

More information

Come give curling a try! At this 2-hour intro-to-curling event we'll provide a basic lesson then coach you through a mini-game.  Whether you just want to cross #curling off your bucket list or...

Cost: $35

Where:
The Pond Ice Arena
101 John Campbell Rd
Newark, DE  19711
View map »


Sponsor: Diamond State Curling Club
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

The Rehoboth Beach Film Society announces the next play in the exciting series of National Theatre Live screenings. National Theatre Live is a groundbreaking project that presents the best of...

Cost: $18-$20

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

Notbybreadalone Ministries presents Feeding the Hungry Outreach. All are welcome to come and partake of food, fun and fellowship. Those who desire a better way of life through Jesus Christ are...

Cost: Free

Where:
2nd and 3rd Streets
Wilmington, DE  19801


Sponsor: Notbybreadalone Outreach Ministries
Telephone: 442-0440
Contact Name: Ministers Wayne and Stephanie Dumpson
Website »

More information

Guest speakers Patty Dailey-Lewis, executive director of the Beau Biden Foundation, and Delaware Family Court commissioner Loretta Young will discuss how participation in social media can too...

Cost: Free

Where:
Wilmington University - Dover
Building A Auditorium
3282 N DuPont Highway
Dover, DE  19901
View map »


Sponsor: Wilmington University College of Social & Behavioral Sciences
Telephone: 302-295-1164
Contact Name: Dr. Johanna Bishop
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Tuesdays and Thursdays from 9:30AM-12:00PM Fall session: Thursday, Dec 1st thru Thursday, December 15th Winter session: Tuesday, January 17th thru Thursday, March 30th   Drop in on Nature is...

Cost: see description

Where:
The Annex
501 Chandler Mill Rd
Kennett Square, PA  19348
View map »


Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

More information

East Coast Garden Center Indoor Farmers Market Nov 8, 2016 - April 11, 2017  11 am- 2 pm 25 vendors Location:  East Coast Garden Center 30366 Cordrey Rd Millsboro, DE 19966 302-945-3489

Cost: frr

Where:
East Coast Garden Center
30366 Cordrey Rd
Millsboro, DE  19966
View map »


Sponsor: East Coast Garden Center
Telephone: 302-945-3489
Website »

More information

East Coast Garden Center Indoor Farmer's Marke 25 vendors

Cost: Free

Where:
East Coast Garden Center
30366 Cordrey Rd
Millsboro, DE  19966
View map »


Telephone: 302-945-3489
Website »

More information

The Rehoboth Beach Film Society announces the next play in the exciting series of National Theatre Live screenings. National Theatre Live is a groundbreaking project that presents the best of...

Cost: $18-$20

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

A four-week series of ballroom dancing classes taught by teachers from the BlueBallroom. Tuesdays starting Jan. 10. Classes are $30 a lesson for Non-Members. Non-Member slots are limited. For...

Cost: $30

Where:
University and Whist Club
805 N Broom St
Wilmington, DE  19806
View map »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

The Rehoboth Beach Film Society announces the next play in the exciting series of National Theatre Live screenings. National Theatre Live is a groundbreaking project that presents the best of...

Cost: $18-$20

Where:
Cinema Art Theater
17701 Dartmouth Drive, #2
Lewes, DE  19958
View map »


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Tuesdays and Thursdays from 9:30AM-12:00PM Fall session: Thursday, Dec 1st thru Thursday, December 15th Winter session: Tuesday, January 17th thru Thursday, March 30th   Drop in on Nature is...

Cost: see description

Where:
The Annex
501 Chandler Mill Rd
Kennett Square, PA  19348
View map »


Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

More information

Thursdays from 4:00PM-5:30PM Fall session: December 1st, 8th and 15th Winter session: Starts January 19th, every other Thursday until March 30th This program is based entirely outdoors and is...

Cost: Cost: $30 for TLC members / $40 for non-members

Where:
Bucktoe Creek Preserve
432 Sharp Rd
Avondale, PA  19311
View map »


Sponsor: The Land Conservancy
Telephone: 610-347-0347 ext.104
Website »

More information

MARC BROUSSARD In 2004, Marc Broussard, then a precocious 22-year-old singer/songwriter, released his major-label debut; he called it Carencro, after the Louisiana town where he was born and...

Cost: $22 SRO- $32 SEATED

Where:
World Cafe Live Wilmington
500 N Market St
Wilmington, DE  19801
View map »


Telephone: 215-222-1400
Contact Name: MP Intern
Website »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Tutto Fresco has live entertainment every Friday night from 6:30–9:30 p.m. Call for details. http://tuttofrescode.com/

Where:
Tutto Fresco
514 Philadelphia Pike
Wilmington, DE  19809
View map »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

Meeting every Friday, Bayhealth Kent General Hospital, 640 s. State Street, Dover, 7:30 pm., Private Dining Room #3 in the basement. For those who have, or think they may have a gambling problem....

Cost: 0.00

Where:
Bayhealth Kent General Hospital
640 S. State Street
Private Dining Room #3
Dover, DE  19901
View map »


Telephone: 800-855-2CALLGA
Website »

More information

Cost: $12-$20

Where:
Wilmington Drama League
10 West Lea Blvd.
Wilmington, DE  19802
View map »


Sponsor: Wilmington Drama League
Telephone: 302-764-3396
Contact Name: Kathy Buterbaugh
Website »

More information

Show More...
Show Less...

January 3 - 28  “Winter Group Show” Rotating Group Show features a variety of art in different styles and media. Custom Framing & Gift Certificates are always available. Gallery Hours:...

Cost: free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

January 28 – Saturday – 1 to 4 p.m. Science Saturday – Truss Me, You Won’t Fall! Become an engineer for the day. Design a bridge to hold as much weight as possible....

Cost: Activities are included in regular admission and free for members.

Where:
Hagley Museum
201 Hagley Creek Road
Wilmington, DE  19807
View map »


Sponsor: Hagley Museum
Telephone: (302) 65802400 x 238
Contact Name: Jessica Eisenbrey
Website »

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

GRILLED CHEESE AND CRAFT BEER TASTING We have taken two of the best things on earth and paired them together – Grilled Cheese and Craft Beer – and paired them together in unexpected and...

Cost: $40

Where:
World Cafe Live Wilmington
500 N Market St
Wilmington, DE  19801
View map »


Telephone: 215-222-1400
Contact Name: MP Intern
Website »

More information

Saturday, January 28, 2017 at  7:30 pm at St. David’s Episcopal Church, 763 Valley Forge Rd, Wayne, PA 19087 Sunday, January 29, 2017 at 3 pm at Church of the Holy Trinity, Rittenhouse Square...

Cost: Tickets are $25 online, and $30 at the door. Student tickets $10 at the door.

Where:
Church of the Holy Trinity
1904 Walnut St.
Philadelphia, PA  19103
View map »


Sponsor: Lyric Fest
Telephone: 215-438-1702
Contact Name: Jessica Nelson
Website »

More information

Fan favorite, Dick Smith, returns to the Dickinson Theatre Organ Society concert stage on Saturday, Jan. 28, 2017 for a show that is sure to bring the house down! Dick Smith has been a...

Cost: $15 Adults; $10 Students

Where:
John Dickinson High School Auditorium
1801 Milltown Road
Wilmington, DE  19808
View map »


Sponsor: Dickinson Theatre Organ Society
Telephone: 302-995-2603
Contact Name: Bob Dilworth
Website »

More information

The Dickinson Theatre Organ Society presents Dick Smith. For tickets, click here: http://www.dtoskimball.org/events-tickets/ticket-information/ For further information, please call us at...

Where:
, DE

More information

The Resident Ensemble Players, Delaware’s professional acting company performing at the University of Delaware, presents The Bells by Theresa Rebeck. During the great Yukon gold rush of the...

Cost: $15 - $30

Where:
Thompson Theatre, Roselle Center for the Arts
110 Orchard Rd.
Newark, DE  19716
View map »


Sponsor: Resident Ensemble Players
Telephone: (302) 831-2204
Website »

More information

Cost: $12-$20

Where:
Wilmington Drama League
10 West Lea Blvd.
Wilmington, DE  19802
View map »


Sponsor: Wilmington Drama League
Telephone: 302-764-3396
Contact Name: Kathy Buterbaugh
Website »

More information

MOTHERSHIP Mothership is the area's premier Led Zeppelin Tribute show. Composed of seasoned, professional musicians Mario Padovani - vocals, keyboards, Frank Ginocchio - drums, Chris Julian -...

Cost: 15

Where:
World Cafe Live Wilmington
500 N Market St
Wilmington, DE  19801
View map »


Telephone: 215-222-1400
Website »

More information

Show More...
Show Less...
Edit Module