Savvy Senior Reports Masthead
 
In this issue, Savvy Senior answers some of the many 
questions we receive each month. 
 
Affordable Health Care for Those in Need
 
Dear Savvy Senior
Where can a person turn to for low-cost medical, dental and eye care? I'm 62 years old, recently uninsured and living on a tight budget.
- Can't Wait for Medicare 

Dear Can't
There are actually a wide range of programs and services that provide free or low-cost medical care to help those that are uninsured, underinsured or low income. Here's where to look:  

Medical Care
Health centers: Federally-funded by the Health Resources and Services Administration (HRSA), there are thousands of health centers around the U.S. that provide low-cost health care to people based on financial need. You pay what you can afford, based on your income. Go to www.findahealthcenter.hrsa.gov or call 888-275-4772.
 
Hill-Burton facilities:
There are around 200 Hill-Burton health care facilities around the country that offer free or reduced-cost health care to those who can't afford to pay. To locate a facility or to see if you qualify, visit www.hrsa.gov/hillburton or call 800-638-0742 (800-492-0359 for Maryland residents).
 
Free clinics:
These are privately funded, non-profit, community-based clinics that typically provide care for common illnesses and injuries to those in need, at little or no cost. There are around 1,000 free clinics nationwide. To locate one in your area, call your local hospital or visit www.freemedicalcamps.com
 
Indian Health Service (IHS):
An agency within the Department of Health and Human Service, IHS provides free medical care to American Indians and Alaska Natives in 35 states. See www.ihs.gov.
 
Remote Area Medical:
A non-profit, charitable organization that provides free health, dental and eye care to uninsured or underinsured people in remote areas of Tennessee, Kentucky and Virginia but may be expanding to other states in the future. www.ramusa.org, 865-579-1530.
 
 
Savvy Tips: To find out if you're eligible for Medicaid, prescription drug assistance programs and more, visit www.benefitscheckup.org. Also, see www.needymeds.com, a top resource for finding affordable medicine. 
 
Cholesterol Lowering Foods
 
Dear Savvy Senior
Are there certain kinds of foods a person can eat to help lower their cholesterol? Cholesterol
- Concerned
 
Dear Concerned                                                                 
What you eat can actually play a huge role in lowering your cholesterol, and for many, it may even eliminate the need for cholesterol-lowering medication.
 
Know Your Numbers
As you may already know, your cholesterol level is the amount of fat in your blood. If it's too high, you're at a greater risk of having a heart attack or stroke. Ideally, you want your total cholesterol reading (that includes your LDL and HDL cholesterol) to be below 200, and your "bad" LDL cholesterol below 129 - less if you're at risk for heart disease. If your total level hits between 200 and 239, or your LDL reaches 130 - 159 you're considered borderline high. And if your total is above 240, or your LDL is over 160 you have high cholesterol.
 
On the other hand, a higher number is better when it comes to the "good" HDL cholesterol. Most men range between 40 and 50 HDL, and women range between 50 and 60. Anything below 40 (for men) and 50 (for women) is too low, and anything above 50 (for men) and 60 (for women) is great, because it provides extra protection against heart disease.
 
Cholesterol-Lowering Foods
Lot's of research over the past few years has shown that certain foods can help lower your LDL cholesterol and/or boost your HDL, including:   
  • Oatmeal and oat bran: Loaded with soluble fiber, oatmeal or oat bran is a great way to start the day and shave five percent off your LDL. Five to 10 grams per day are recommended. Other good sources for soluble fiber are apples, pears, prunes, citrus fruits, kidney and lima beans, barley, psyllium, carrots, broccoli and brussels sprouts.
  • Nuts: Studies have also shown that a daily dose of walnuts and almonds can lower your LDL by 10 percent, and raise your HDL by as much as 20 percent. Peanuts, hazelnuts, pecans, some pine nuts, and pistachios have also been shown to lower cholesterol. But be careful. Nuts are high in calories, so a handful (no more than 2 ounces) will do. The best way to add nuts to your diet is to substitute them with foods that are high in saturated fats like cheese and meat. That way you're gaining the benefits of nuts without adding more calories.
  • Sterols and stanols: These are substances found in plants that help prevent cholesterol from being absorbed into your bloodstream. A recommended dose of two grams per day can help knock 10 percent off your bad cholesterol level. The best way to get these substances is to consume store-bought foods that are fortified with sterols or stanols including certain orange juices, yogurts, breads, cereals, granola bars, cooking oils, salad dressings, margarine spreads and more. Check the labels to find products that contain sterols or stanols and watch out for high calories.
  • Fish: Rich with omega-3 fatty acids, eating fatty fish (mackerel, lake trout, herring, sardines, salmon and albacore tuna) a few times a week can help boost your good HDL cholesterol by as much as 10 percent, not to mention lower your triglycerides and blood pressure, and reduce inflammation. If you don't like fish, other food sources that provide omega-3s are walnuts, soybeans, flaxseed and canola oil, or take a fish oil supplement.
  • Olive oil: Contains a potent mix of antioxidants that can lower your LDL without affecting your HDL. A good way to work olive oil into your diet is to substitute it with butter or other cooking oils, or mix it with vinegar as a salad dressing. About two tablespoons a day are recommended.

Other Tips
Additional lifestyle tips that can help lower LDL and raise HDL include: reducing the saturated fats (fatty meats, butter and whole dairy products) and trans fats (found in store-bought cookies, cakes, crackers and many fried foods like french fries) you eat; losing excess weight (even 5 to 10 pounds can make a difference); exercising regularly (at least 30 minutes, five day per week); quit smoking; and drink alcohol (no more than one drink per day for women and two for men). 

Simple Cell Phones for Boomers and Seniors
 
Dear Savvy Senior
I'm looking for an easy-to-use, senior-friendly cell phone without all the bells and whistles. What's available today?
- Technology Phobic 

Dear Phobic
Not everybody wants a cell phone for text messaging, taking pictures, listening to music or surfing the Web. Some people actually want one for the sole purpose of making and receiving calls. If you're in the market for a simplified cell phone with limited features, that's easy to see, hear and use, you're in luck. There are several on the market that are specifically designed with seniors and technophobes in mind. Here are several to check out.  

Jitterbug: These simple cell phones have been a huge success since they hit the market a few years ago. Made by Samsung, the Jitterbug (www.jitterbug.com; 800-918-8543) comes in two flip-open models - the "Dial," which has a full numerical keypad, and the "OneTouch," which has only three buttons labeled "Operator," "911" and "My Choice" for any number you program in. Both models provide large-size text on a brightly colored screen, and "yes" and "no" buttons, rather than confusing icons to choose easy-to-understand options. They also offer voice dialing, an ear cushion that cups around your ear to improve sound quality, a 24-hour Jitterbug operator who will place calls for you, and optional services like voice mail, roadside assistance and even simple texting. Both Jitterbug phones sell for $147 with no contract, and calling plans that start at $10 per month, plus talk-time.  

ClarityLife: Available to consumers just since November 2008, this new rectangular shaped phone focuses on simplicity and amplification for seniors with hearing loss. It comes with a big bright display screen with magnified text, simple four-button navigation (along with a full numeric keypad that slides out from the bottom of the phone), a dedicated one-touch emergency button that will instantly contact loved ones, and a volume control that amplifies incoming sound up to 20 decibels. It's also hearing aid compatible and comes with a handy built-in flashlight. Available at www.clarityproducts.com (or 800-426-3738) for $270 with no required contract, the ClarityLife sells as an "unlocked" handset, which means it can be used on any GSM network, such as T-mobile, AT&T and Sprint.   

Knack: Also new on the market, this is an uncomplicated flip-phone that recently earned the Good Housekeeping Seal. Available through Verizon Wireless (www.verizonwireless.com; 800-256-4646), the Knack offers lot's of senior-friendly features like elevated number keys, a bright colorful screen, simplified menu with adjustable font sizes, a dedicated 911 button, three programmable "In Case of Emergency" (ICE) contacts, a built-in speakerphone and voice command option, and it's hearing aid compatible to boot. The Knack sells for $40 with a two-year contract and monthly calling plans starting at $30 for customers age 65 and older.  

Other Phones
There are several other simplified phones new to the market that are worth a look including the Pantech Breeze available through AT&T (www.wireless.att.com; 888-333-6651); HandleEasy 330 and 326i created by Doro (www.doro.com); ChitterChatter 1890 developed by Hop-on Wireless (www.hop-on.com); and the Coupe which is sold by Verizon Wireless (www.verizonwireless.com; 800-256-4646).  

Cheaper Option
If you're interested in a cell phone for the primary purpose of being able to get assistance in emergencies, you can probably save money by choosing a prepaid or pay-as-you-go calling plan. With these plans you prepay for a certain amount of minutes with no required contract. Companies that offer them include AT&T, T-Mobile, Verizon, U.S. Cellular, Alltel, Tracfone, Virgin Mobile, Boost Mobile and Consumer Cellular.  

Another option for lower income seniors over age 60 is a national program called Phones for Life that provides free emergency only cell phones. Visit www.phones4life.org to see if you qualify. Also check with your local law enforcement agency or area aging agency to see if there's an emergency cell phone program near you.
Generic Drug Savings

Dear Savvy Senior
Are generic medications as effective as brand-name drugs, and if so, why are they so much cheaper? Also, how can I find out which medicines are available in generic form.
- Brand-Name Buyer 

Dear Buyer
Generic drugs are just as effective and safe as their brand-name counterparts because they're virtually the same - except for the price of course. Here's what you should know. 

Copied Drugs
Approved by the U.S. Food and Drug Administration (FDA), generic drugs contain the same active ingredients, dosage and quality as their brand-name counterparts. The only differences between them are the name (generic drugs are usually called by their chemical names), shape and color of the drug (U.S. trademark laws don't allow generics to look exactly like the brand-name drugs), and price (which is between 30 and 90 percent less).  

Cost Difference
The reason generic drugs are so much cheaper is because their manufacturers don't have the hefty start-up costs that the original creators of the drug do. When a pharmaceutical company creates a new drug, it spends millions of dollars on the research, development and clinical testing phase. Then, if it gets FDA approval, it has to turn around and spend even more money to market the drug to the public, pharmacies, health insurance companies and doctor's offices. The total cost can rise into the hundreds of millions by the time the drug is in the hands of consumers. 

In an effort to recoup their investment, the brand-name drug makers charge a premium price, and are given a 20 year patent protection, which means that no other company can make or sell the drug during that period of time.  

After those twenty years are up, however, other companies can apply to the FDA to sell generic versions. But because generic manufacturers don't have the same research, development and marketing costs, they can sell their product much cheaper. Also, once generic drugs are approved, there's greater competition, which keeps the price down. Today, more than half of all prescriptions are filled with generic drugs, and according to the Congressional Budget Office, generic drugs save U.S. consumers an estimated $10 billion a year. 

Look Generic
Since not all brand-name drugs have generic alternatives, the easiest way to find them is to ask your doctor or pharmacist, or check the FDA online drug catalog at www.accessdata.fda.gov/scripts/cder/drugsatfda. Better yet visit www.rxaminer.com, a great Web site that lets you easily search for brand-name drugs and their generic alternatives, if they exist. If they don't, it provides other low-cost alternative medicine options, if available.     

2009 Generics
Every year, a number of brand-name drugs lose their protective patent and go generic. Among those to watch for in 2009 include the migraine drug Imitrex (sumatriptan), ADHD drug Adderall XR (amphetamine), antiseizure drugs Topamax (topiramate) and Lamictal (lamotrigene), allergy drug Clarinex (desloratadine), the herpes antiviral drug Valtrex (valacyclovir), GERD drugs Prevacid (lansoprazole) and Aciphex (rabeprazole), and enlarged prostrate drug Flomax (tamsulosin). 

Shopping Tips
Many chains like Wal-Mart, Target, Costco, Kmart, CVS, Walgreens and Safeway offer great deals on many generic drugs. Wal-Mart for example charges only $4 for a 30-day supply and $10 for a 90-day supply with no eligibility restrictions. You can also find great generic deals online at sites like Rx Outreach (www.rxoutreach.com; 800-769-3880) and Xubex Pharmaceutical (www.xubex.com; 866-699-8239).

 
Have a question for Savvy Senior?
 
Send your senior questions to: Savvy Senior Reports, 1 Fishers Road, Pittsford, NY  14534, or e-mail to questions@savvyseniorreports.com.
 
Jim Miller writes the nationally syndicated column, "The Savvy Senior," which now runs in more than 400 newspapers across the country.  He is also a contributor to the NBC Today show and author of "The Savvy Senior" book.