Recent Successes And News:   Month: October 2025

Patricia A. Bave, Esq., Partner with Kommer Bave & Ciccone LLP, has been invited to participate in ‘Ask the Experts Westchester’ on November 10, 2025 at 12:15pm. Hosted at the James Harmon Community Center in Hastings on Hudson, NY, this fun and interactive lunchtime event is for aging adults looking for more information about estate and elder law planning. The panel features professionals experienced with elder law, financial planning, homecare, nursing homes, assisted living facilities, senior placement, and downsizing.

An Elder Law and Estate Planning Attorney, Patricia has extensive experience in developing comprehensive estate plans specific to her clients’ needs. As part of the Ask the Experts panel, Patricia will answer questions about wills and trust, health care proxies, durable power of attorney, as well as the importance of having an estate plan in place.

For more information on this event, or to register, contact Tiara Brandon from the Caring People at 332-877-6258.

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The 2026 Medicare Open Enrollment Period started on October 15th and ends on December 7th. This open enrollment period allows all people with Medicare to be able to review and update their Medicare health plans and prescription drug coverage to better meet their needs. The changes made during this enrollment period take place effective January 1, 2026.

During The Enrollment Period You Can:

• Join, drop, or switch to another Medicare Advantage Plan (or add or drop drug coverage).
• Switch from Original Medicare to a Medicare Advantage Plan or from a Medicare Advantage Plan to Original Medicare.
• Join a Medicare drug plan if you are in Original Medicare.
• Switch from one Medicare drug plan to another if you are in Original Medicare.

Medicare Parts A, B, C, and D
There are a number of different options to consider when signing up for Medicare. Medicare consists of four major programs:

• Part A covers hospital stays
• Part B covers physician fees
• Part C permits Medicare enrollees to receive their medical care from among a number of delivery options
• Part D covers prescription medications

You become eligible for Medicare Part A at age 65. If you are currently receiving Social Security benefits, you will be automatically enrolled in Medicare Parts A and B effective the month you turn 65. If you do not receive Social Security benefits, then you will need to sign up for Medicare, which automatically enrolls you in Part A. Medicare Part D (an optional coverage offered to everyone with Medicare) helps pay for prescription drugs. Since Medicare generally only covers 80% of your medical costs, it is recommended to obtain a Medigap (or supplemental) policy to cover the remaining percentage.

For more information on Medicare, and to compare plans, visit Medicare.gov.

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