soul

32906 Middlebelt Rd (at 14 Mile)

Please see our menu at

www.johnnypomodoros.com

(248) 855- 0007

Johnny Pomodoro’s is your ONE STOP SHOP for all of your needs!
Shiva Trays, Deli Nosh Dairy and Deli Trays, Marty’s Cookie Trays, Johnny’s Signature Fruit & Veggie Trays

Delivery Available

CALL JOHNNY’S FOR TRADITIONAL AND NON-TRADITIONAL SHIVA TRAYS.

DAIRY TRAY

MEAT TRAY

FRUIT TRAY

CANDY & NUT TRAY

MARTY'S COOKIES

JFS Health Navigators

Affordable Care Act sign-up time frame shortened.

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48

November 9 • 2017

jn

2141080

ovember is here and the new
year is right around the cor-
ner. As you prepare for 2018,
don’t forget about health insurance.
If your insurance is not covered by an
employer, parental guardian, Medicare
or Medicaid, you can obtain afford-
able insurance through the Affordable
Care Act.
This year, without explanation, the
open enrollment period for sign-ups
was cut from the standard three-
month window to only six weeks,
making it imperative for those in need
of ACA insurance to sign-up as quickly
as possible. Jewish Family Service
offers free assistance from Health Care
Navigators.
“Navigators assist
with everything
from creating an
account to explain-
ing the terminol-
ogy associated with
insurance plans. We
also help the con-
sumer understand
Megan Pudlik
their subsidies and
co-sharing options,”
says Megan Pudlik,
a JFS navigator. “We go as far as to sit
with the consumer and call the doc-
tor’s office to ensure they accept the
plan the consumer is considering. We
help the consumer select and enroll
in a plan for the upcoming year, and
we educate them on what to expect
with making their monthly premium
payments.”
Erica Saum,
another JFS naviga-
tor, says it’s easy to
feel overwhelmed
when faced with the
decision to choose
one of 100 plans.
She emphasizes it’s
important to reach
Erica Saum
out for help if there
are any questions
about what you
qualify for or what certain coverage
plans mean.
“Without assistance from naviga-
tors, consumers are intimidated by
the scope of questions and the ter-

minology, and they could incorrectly
assume they are not eligible for any
coverage,” Saum says.
Both Pudlik and Saum stress that
although many people are not expect-
ing a life-threatening accident to
occur or an illness to overtake them,
you never know what could happen
and it’s important to be insured and
be prepared for anything.
“We have heard it firsthand from
consumers that having healthcare
coverage has saved their lives,” Saum
says. “It may sound drastic but having
coverage allows someone to receive
medical attention before an issue
becomes dangerous, rather than
avoiding treatment due to fear of cost.”
Pudlik adds, “Having health insur-
ance protects people from unan-
ticipated and potentially financially
catastrophic consequences of illness
and injury.”
Insurance also covers annual physi-
cals, mammograms, immunizations,
colonoscopies and prescription drugs.
“I helped an
African immigrant
who is a full-time
student and also
working 24 hours
a week,” says JFS
navigator Olga
Semenova. “He
needed help under-
Olga Semenova
standing what
sort of coverage
he could get as an
immigrant and how the plan worked.
I have helped him for over a year. He
was having issues with his eye and,
through his plan, was able to get an
eye exam and realize he needed glass-
es as an adult.”
Semenova also speaks Russian and
has been working with a Russian-
speaking immigrant for the last few
years.
“At JFS, we believe healthcare isn’t
a privilege, but a basic need that
needs to be met. If someone needs
assistance in obtaining coverage, they
should call us,” says Saum. •

To schedule an appointment with a navigator,
call (248) 592-2313 or email resourcecenter@
jfsdetroit.org.

