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W elcome to the inaugural issue of Senior Smart. We were thrilled to be contacted by Mainebiz to partner with them as a major sponsor of this new and important publication serving Maine's seniors. Maine is the grayest state in the country and our seniors are faced with many unique financial chal- lenges as they plan for and live out their golden years in the Pine Tree State. O ur team of three Certified Financial Planners (CFPs) and seven support staff have collectively been providing comprehensive and cus- tomized wealth management ser- vices to hundreds of Maine seniors since 1989. Currently we provide financial planning and investment manage- ment services to over 400 Maine families and institutions who have entrusted us to grow and protect $540 million of their hard -earned treasure. The advisors at Golden Pond h a ve h ad a r t i c l e s c on c e r n i n g senior financial issues published in Forbes, Downeast, Mainebiz, Maine Seniors and the Journal of Financial Planning. Our efforts on behalf of our senior clients have been recognized with accolades from Forbes Best in State Wealth Advisors, Mainebiz 40 under 40, the Mid Maine Chamber of Commerce, and the LPL Finan- cial Executive Council. Founded in Belgrade Lakes in 1996 and currently headquartered in Waterville, we have clients in every corner of the state and in 21 other states. We are proud to be family owned and operated and are deeply involved in supporting our local community. We invite you to spend some time with this issue of Senior Smart and if you think you may need additional guidance or just a second opinion, please reach out to us to start a con- versation. — Brian Bernatchez, CFP® Managing Director I f you're not a member of a Martin's Point Generations Advantage plan yet, you can be soon! With Medi- care's Annual Enrollment Period coming right up, you'll have the opportunity to join over 70,000 Maine and New Hampshire seniors who are already enjoying the qual- ity and savings provided by these highly rated plans. In fact, if you don't want to wait until 2024 to join, you can switch today to any of our Generations Advantage plans that have earned a 5-Star rating from Medicare. Review Your Coverage—Trust You've Made the Best Choice! Each fall, it's a good idea to review your Medicare coverage and ensure it still meets your needs. As you com- pare plans, consider these key things: Quality : Medicare's annual Star Ratings assess the quality of Medi- care Advantage plans. Researching these ratings at Medicare.gov can be a good place to start. Generations Advantage's Star Ratings are among the highest year after year, including excellence for service and plan quality. Coverage: Want an all-in-one plan? Our Medicare Advantage plans cover all the services in Original Medicare Parts A (hospital stays) and B (doctor visits) plus Part D (prescription drugs), and even more. Extra Benefits: Looking for den- tal, eyewear, hearing aids, over-the- counter items, wellness items and services, and more? Original Medi- care doesn't cover these, but Gener- ations Advantage plans do! Provider Choice: Your doctors probably already participate in our wide network of over 15,000 pro- viders. And most of our plans also offer out-of-network flexibility. Affordability: When considering overall costs, factor in premiums, deductibles, copays, coinsurance, and annual out-of-pocket caps. Our Medicare Advantage plans feature $0/low monthly plan premiums and copays/coinsurance, no medical or hospital deductibles, and low yearly limits on member costs. Local Ser vice: As Mainers, our- selves, we deliver the kind, respect- ful, and caring service that earns 5-Star ratings from Medicare (and our members!) year after year. Commitment: As a local health care organization, the priority at Mar- tin's Point is to improve the health of the communities we serve. It's this commitment to our family mem- bers, neighbors, and friends – the people who live and work beside us in Maine and New Hampshire— that makes the difference. We invite you to discover how a Generations Advantage plan could be the best choice for your health and your budget. Learn more at Mar tinsPoint.org/SeniorS- mart or call us today at 1-888- 504-4946 (TTY: 711) if you have questions about Medicare, Genera- tions Advantage, or how to enroll. We're right here, waiting to lend a hand. DISCLAIMER: Martin's Point Generations Advantage is a health plan with a Medicare contract offering HMO, HMO- POS, and Local PPO products. Enrollment in a Martin's Point Generations Advantage plan depends on contract renewal. Y0044_2024_122_M Accepted: 08/06/2023 W W W. M A I N E B I Z . B I Z 3 SEPTEMBER 18, 2023 Martin's Point Generations Advantage—Maine's Most Popular Medicare Advantage Plan Golden Pond Wealth Management brings solutions to unique financial challenges facing Maine seniors F RO M T H E S P O N S O R S