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As Baby Boomers, many of us either have already reached that so-called magical age where Medicare begins to cover (in part, at least) the cost of one’s medical treatments heading into the future, or you are one of the many millions who are anxiously awaiting the inevitable countdown to Medicare. Whether you’re there already or years away, it’s a fair bet that you have experienced at least one hospital visit yourself or with a loved one that has opened your eyes to the staggering costs of hospital care and other serious medical treatment.


With Medicare alone, covered medical procedures can still hit seniors with some hefty out-of-pocket expenses.

For those born before 1948, who are already taking advantage of Medicare, you have probably learned either through trial-and-error or dogged research and investigation that filling the gaps in government-provided medical insurance can be costly, not only in terms of premiums for Medicare advantage and supplemental plans, but also in terms of co-pays or direct costs that non-covered procedures can result in.

The good news, at least for those yet to enter the realm of the Medicare labyrinth is that enough people are clamoring for facts at the same time that there is more than sufficient information available; one just has to make a concerted effort to begin the search.

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Several days ago, my wife and I celebrated my birthday, which happens to coincide with the Mexican holiday of Día de los Muertos, otherwise known to the English-speaking world as the Day of the Dead. Without a cultural anchor like Detroit’s Mexican Town, one could be forgiven for thinking “Day of the Dead” is based on an old cult horror film. Apart from its Halloween-esque appearance, Day of the Dead is in reality a festive and colorful celebration established in Mexico hundreds of years ago and observed currently in numerous countries all around the globe.


A devilish band plays a suprisingly happy tune.

Dedicated to the remembrance of friends and relatives who have passed from this life, Dia de los Muertos is considered a mainly Mexican holiday, yet the day itself (actually November 1st and 2nd) is perhaps better known to Roman Catholics as All Saints’ Day or All Souls’ Day. For the population of Mexican Town here in southeastern Michigan, as well as other Mexican and Spanish-speaking areas around the country, this holiday provides an opportunity for family members, neighbors and others in these close-knit communities to share in the prayer and memory of those dearly departed.

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