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Staying active and independent is a priority for many older adults across Northern Colorado, and local healthcare and rehabilitation providers are responding.
If you’ve ever wondered what you can do about annoying skin discoloration, painful varicose veins, or just want to feel more energetic, here are some tips from three local Northern Colorado health experts.
Over time, those small discomforts are often accepted as
inevitable. Pain becomes “just part of getting older.” Slower movement feels unavoidable. Independence can begin to feel fragile.
Providers are reimagining what senior living looks like, blending personalized care with social engagement, so some say moving into an assisted living community feels more like a lifestyle upgrade.
Choosing
insurance can get complicated
A licensed Medicare insurance agent can help tailor a plan that you can understand and one that fits your medical needs.
Editorial: Jody Carlile, Editor jcarlile@prairiemountainmedia.com
Advertising: Jill Stravolemos, Publisher jill@prairiemountainmedia.com
Death is an uncomfortable and difficult topic to discuss when it’s time to make our end-oflife wishes known to our family But there are many reasons why it’s better to tackle issues now, rather than when it’s too late.
Leaving hearing loss unaddressed may have lasting consequences on both the brain and overall quality of life.
If it is time to look at more individualized care for an elderly parent, it’s better to be proactive. Having space to navigate the types and levels of care is crucial, rather than being rushed after a big event.
Gaining awareness of changes and understanding the latest legislation and policy updates often requires personalized guidance to know all the fine details.
“Homeowners should consider evaluating their real estate
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situation when their home no longer fully supports their financial, physical or lifestyle needs, both now and in the future,”
All of your bodily systems tie together, so after 55 is a perfect time to make sure you’re not missing any checkups or appointments.
Northern Colorado is home to a spirit of generosity. And right now, two local nonprofits are counting on that spirit to serve neighbors who need it most.
by Darren Thornberry
Staying active and independent is a priority for many older adults across Northern Colorado, and local healthcare and rehabilitation providers are responding with programs designed to support seniors’ mobility, wellness, and quality of life.
From rehabilitation therapy to fall prevention classes and social wellness programs, providers are increasingly taking a proactive approach that helps seniors stay healthy before a major health event occurs.
At PAM Health, rehabilitation is centered on helping patients recover from illness, injury, surgery, and chronic health conditions so they can return to the activities they enjoy most. The organization offers comprehensive physical,
occupational, and speech therapy services tailored to each patient’s needs. The focus is not only recovery, but helping patients regain confidence and independence in daily life.
For many seniors, wellness extends beyond medical care. Good Samaritan Loveland Village has created a “culture of wellness,” says Senior Living Administrator Holly Turner
“Each resident who moves into our independent and assisted living apartments is offered a free consultation from a licensed therapist,” Turner says. “They work closely with the wellness team to provide therapy services, balance and strength training classes, and an assessment to assure their living space is safe.”
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For more than 35 years, InnovAge PACE has made senior healthcare easier to manage by having your doctor and dentist, social activities, transportation, and more all in the same place. And if you have both Medicare and Medicaid coverage, there’s no cost to you.
• Neighborhood community care centers with healthcare and social activities with other seniors
• Access to your doctor, dentist, and physical therapist
with both Medicare and Medicaid coverage
• Transportation to and from home and to all your medical appointments
• An 11-person team of experts working together for your health and well-being
The team collaborates on a regular basis to ensure that the resident receives the care and services necessary that they need. “While our mobile therapy team provides physical, speech, and occupational therapies, our wellness team offers a variety of classes and services that meet the residents where they can benefit the most,” Turner continues. Classes and services offered vary from seated meditation, water fitness, personal wellness coaching, diet and nutrition education, and the opportunity to engage in fun, social interactions.
Good Samaritan Loveland Village offers a variety of volunteer opportunities as well as events and activities that meet the social, emotional, and intellectual needs that aging residents want in order to age gracefully. Loveland Village has a robust spiritual ministry that provides devotions,
Bible studies, and weekly church services in a non-threatening, interdenominational way that includes all faiths and beliefs.
Meanwhile, Banner Health is expanding its offerings for older adults through movement classes, preventive screenings, and community-based health initiatives.
Programs include Gentle Yoga, offered both virtually and in person in Loveland, along with Tai Ji Quan, an evidence-based fall prevention program focused on balance and stability. Banner also offers Matter of Balance, a course designed to help seniors reduce the fear of falling while increasing activity levels through practical exercises and strategies.
Preventive care is another growing priority. Banner’s self-pay screenings, which do not require insurance
billing or a physician referral, include CT Heart Score screenings for cardiac risk, Peripheral Artery Disease screenings, and open lab blood work services
Social connection also plays a key role in healthy aging. Banner hosts “McKee Mornings,” monthly gatherings that combine health education with opportunities for seniors to connect with others in the community
This autumn, Banner will also launch the Walk with a Doc program in Fort Collins. Begin-
ning Sept. 5, the free walking group will meet monthly and give community members a chance to stay active while informally connecting with health care professionals.
Together, these healthcare organizations’ programs reflect a broader shift in senior care across Northern Colorado that focuses not just on recovery, but on helping older adults stay strong, social, and active for years to come.
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It’s never too late to adopt a routine or get supportive health treatments that can enhance your skin health and appearance, or simply make you feel better and have more confidence. If you’ve ever wondered what you can do about annoying skin discoloration, painful varicose veins, or just want to feel more energetic, here are some tips from three local Northern Colorado health experts that focus on age-specific concerns.
Suite Health is an out-patient infusion boutique located in Loveland that offers a variety of treatments based on physician referrals.
Infusion therapy involves administering medication directly into your bloodstream through an IV. It’s used to treat various chronic illnesses,
autoimmune conditions, nutritional deficiencies, and osteoporosis. It’s also used to boost the immune system and help support menopausal and postmenopausal women.
Kerre Valtierra, co-founder and chief operating officer of Suite Health (mysuitehealth.com), says “In addition to drug infusions, we are also a vitamin and wellness infusion center offering everything from basic hydration to weight loss to migraine and immune support, as well as, fatigue and stress.”
“Most patients simply go where they are told without questioning if alternatives exist, which is often a hospital setting. We want patients and the community to know you have a voice and you have a choice in where to go. We still need a referral from a physician, but you don’t
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need to go to a hospital because the doctor may be associated with the hospital.” she says.
“Patients are more comfortable at Suite Health because they don’t feel like they’re walking into a hospital. If someone is getting Reclast, Prolia or Evenity for osteoporosis they typically go to a hospital setting. But our services are going to be approx. 40% less when we bill to insurance. You’ll tend to be seen sooner, have access to drinks/snacks, and have 1st floor, front row parking” adds Valtierra.
Damaged and aging skin with sun related discoloration is the main complaint that Physician Assistant Eric Krinsky, PA-C hears from his patients at Altitude Dermatology in Johnstown/Loveland, CO (altitudedermatology.com).
One of the most important things you can do is to avoid the sun. Despite your best attempts of wearing a hat and sunscreen, it’s difficult, Krinsky says.
Sunscreen needs to be reapplied every two hours and it’s important
that it have an SPF (sun protection actor) of at least 30 or higher. “Stick with name brands, not generic sunscreens from a discount store because you don’t know what you’re getting,” he says.
“Natural sunscreens with zinc oxides and titanium dioxide are the two mineral sunscreens. They don’t soak through the barrier of the skin; they remain on the surface reflecting the sun. They’re better if you’re concerned about chemicals getting into your body. But they’re not ideal because you can sweat them off or rub them off by touching your skin,” Krinsky says.
It’s important to pay attention to the expiration date. “One year after the expiration date is okay, but if the sunscreen has been in your hot vehicle or out in the sun, it will degrade the chemicals that block the sun, even if it hasn’t expired yet. Treat your sunscreen bottle like you would your important meds.”
Surprisingly, you can’t rely on your hat, even if it’s big and floppy, he adds. “The sun is reflecting off the ground and hitting you in the face.”
Lifestyle is extremely important
for maintaining healthy skin. Krinsky says, “A healthy diet and hydration help with tissue repair and skin laxity. Smoking is a huge cause of premature aging, as well as being around smokers and exposed to toxins in the air. He adds, “Eating enough protein is important, which is a problem for a lot of the adult population.”
The number one fix is sun avoidance, but if it’s too late and you’re dealing with sagging skin, consider getting the SoftWave treatment at Altitude Dermatology. Call for a free consultation with Dr. Tammy Baack, (970) 342-2222
United Vein & Vascular Centers in Fort Collins (unitedveincenters.com) offers a variety of treatments for vein and vascular issues ranging from varicose vein and chronic venous insufficiency, to enlarged prostate and uterine fibroids.
Dr. Mordechai Twena, M.D. says, “Our board-certified physicians are specially trained in ablation, injection, medication, and minimally invasive surgical procedures for varicose veins. We offer: Closure Fast Radiofrequency Ablation, Microphle-
bectomy, Sclerotherapy, Varithena, and Venaseal. Most treatments take less than an hour and allow you to resume regular activities on the same day.”
These approaches not only alleviate symptoms, but also provide viable alternatives to traditional surgical methods, enhancing your comfort and promoting quicker recovery
Dr. Twena adds, “While home remedies won’t cure chronic venous insufficiency or make varicose veins disappear, there are several things that people can do that may help reduce symptoms, improve circulation, and slow the progression of vein disease. Some of the biggest things we recommend include: regular walking or calf exercises, leg elevation, compression stockings, avoiding prolonged sitting or standing throughout the day, staying hydrated and reducing excess sodium intake.”
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by Rebecca Furuta
For many adults, aging arrives quietly at first — a stiff back in the morning, aching knees after a walk, a growing hesitation before climbing stairs. Over time, those small discomforts are often accepted as inevitable. Pain becomes “just part of getting older.” Slower movement feels unavoidable. Independence can begin to feel fragile.
But across Northern Colorado, a growing number of health and wellness professionals are challenging that narrative. Their message is both hopeful and practical: aging does not have to mean surrendering mobility, comfort or quality of life.
At the center of that philosophy is one powerful idea: movement matters.
“Movement is medicine,” says Jennifer Morgan of the Academy of
Natural Therapy in Greeley Morgan, who has a background in gerontology, works closely with older adults struggling with chronic pain, stiffness and limited mobility. She says one of the most common mistakes people make is assuming discomfort is simply something they have to tolerate.
“It’s so important for older adults to work on immobility as soon as possible,” she explains. “A good massage therapist can help get you moving.”
At the Academy of Natural Therapy, affordability is part of the mission. Massage appointments are offered through student therapists at varying levels of training, helping make ongoing wellness care more accessible to the community One hour massages begin at $50, a price
point designed to encourage regular care rather than treating wellness as an occasional indulgence.
Morgan believes massage therapy can play an important role not only in relaxation, but in recovery and long term function. For older adults recovering from surgery or injury, therapeutic massage may help improve circulation, flexibility and pain management. Combined with nutritional support and supplements, she says many people experience improvements they never expected.
“You don’t have to just put up with it,” Morgan says. “Pain isn’t a normal part of the aging process.”
That same commitment to preserving independence is driving the work at Mobility and More, a family-owned Loveland company focused on helping people remain safe and confident in their homes.
Owner Tab Black works with clients of all ages, though many are older adults adapting to physical changes following surgery, illness or injury. The business provides mobility equipment including walkers, canes, scooters and wheelchairs, but Black says the real impact often comes from the smaller details.
The company also installs grab bars, stair lifts and accessibility modifications that can dramatically improve daily life.
“In Colorado, the majority of homes are not very accessible,” Black explains. “There are usually at least three or four steps just to get inside.”
For many families, those barriers can create difficult decisions about whether a loved one can safely remain at home. Something as simple as a properly installed grab bar
or stair lift can restore confidence, reduce the fear of falling and help preserve independence longer.
For Black, the work carries emotional weight beyond the equipment itself.
“Every day, we make a difference in someone’s life,” he says. “We get to improve lives every day. It’s a really gratifying thing to be able to do.”
Elsewhere in Northern Colorado, providers are taking an even broader approach to healthy aging, one that looks beyond isolated symptoms and focuses on the body as a whole.
At Althoff Wellness, Dr. Jill Althoff combines chiropractic care with regenerative therapies, hydration support and nutritional guidance designed to improve overall function and recovery.
Her practice utilizes advanced technology including the regenerative SoftWave laser, a noninvasive therapy that uses broad focused acoustic wave technology to stimulate healing, improve circulation and reduce inflammation in damaged tissue. But Althoff says true wellness involves much more than technology alone.
“We don’t look at isolated issues. We look at the whole person,” she says. “Instead of chasing symptoms, we are really trying to identify the underlying problem.”
That holistic approach resonates with many adults who have spent years managing pain without finding lasting relief. Althoff believes too many people have accepted discomfort as unavoidable when, in reality, there may still be meaningful ways to improve mobility and daily function.
continuedonpage38
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by Sarah Fuhrey Huber
Today’s version of assisted living empowers seniors to keep their independence, with a little support along the way Across Northern Colorado, providers are reimagining what senior living looks like, blending personalized care with social engagement and healthcare. As a result, some say moving into an assisted living community feels less like a needed transition and more like a lifestyle upgrade.
One of the hurdles families face is perception. “Potential residents may think that they are moving into a ‘nursing’ home,” said Pam Webb, sales manager at Brookdale Mariana Butte in Loveland. “It’s what they might remember when they visited their grandparents many years ago.”
In reality, most communities today are welcoming, comfortable and highly individualized.
At The Bridge at Greeley, “residents have their own private apartment spaces decorated with familiar furniture, photographs and keepsakes that reflect their personality and life story,” said sales director Amy Kilcoyne.
Another common concern is the fear of losing independence. Yet, she said, “communities are designed to help residents maintain as much freedom and choice as possible.”
When giving tours, Bryan Sanchez, director of sales at The Gallery at Fort Collins, hears similar concerns. “We highlight from the beginning that you have the same rights and independence you have at home,” he said. “As we talk through their day-to-day
life, many realize they don’t have access to the same social engagement or activities at home. Moving here can add independence.”
Modern assisted living communities are also evolving how care is delivered, with an emphasis on flexibility and personalization
At The Gallery at Fort Collins, residents can transition between independent and assisted living without changing apartments. “That hybrid model really helps ease the fear around needing support,” Sanchez said.
Brookdale takes a similarly tailored approach. “We can provide care such as medication management, shower assistance, dressing assistance and more,” Webb said “We fine-tune everything based on what the resident wants and needs so their experience feels smooth and supportive.”
This approach reflects an industry-wide shift. “Assisted living communities focus less on ‘doing for’ residents and more on supporting
residents in doing for themselves,” Kilcoyne said.
At The Bridge at Greeley, care plans are built around each resident’s abilities and goals, allowing them to receive assistance while maintaining independence.
Beyond care, assisted living simplifies daily life in ways that many residents find freeing. “A lot of folks are becoming more averse to taking care of a home,” Sanchez said. “Cooking, yard work, home repairs, managing bills — it can all
become overwhelming.”
In a community setting, those responsibilities are generally bundled into one monthly cost. What families appreciate most in senior living may be the enrichment and social engagement.
At The Gallery at Fort Collins, programming includes access to the Osher Lifelong Learning Institute (OLLI), in partnerships with the Colorado State University Alumni Association. OLLI offers adults a community of inquisitive minds, with more than 150 courses and lectures, as well as travel opportunities.
At Brookdale and The Bridge at Greeley, residents can choose from a calendar of activities, including exercise classes, painting, trivia events, outings and live entertainment.
“Just last week we had baby goats visit,” said Webb, of Brookdale. “Our residents absolutely loved it.”
Kilcoyne, of The Bridge at Greeley, added, “Our goal is to create an en-
vironment where seniors thrive rather than simply receive care.”
Brookdale’s team frequently supports families during urgent transitions, including hospital discharges or sudden health crises. In one instance, staff coordinated a move-in in fewer than 24 hours for a man who could no longer safely live at home after a fall.
“We are here to support and move swiftly through all of the details,” Webb said. “It is such a beautiful experience every time that we can offer hope to a family during their time of crisis.”
Sanchez recalled a man who relocated from New York reluctantly, unsure if assisted living was for him.
“After about a week and a half, he said it was the best decision he’s made,” Sanchez recalled. “He didn’t know why he was so scared.”
Webb said that’s because assisted living is all about gaining support, connection and the freedom to enjoy daily life. Residents, she said, “thrive here.”
COMPLIMENTARYEXAM(Reg.$178)Offerexpires6/30/2026 NewPatientsOnly.Includesexamonly.Advertisedfeeistheminimumfee. SubjecttoclinicaleligibilityandDr.’sdiscretion.ThefollowingADAcode mayreflectthetreatmentrenderedunderthisoffer.D0150.Offercannotbe appliedtowardaccountbalancesordentalservicesalreadydeliveredorin conjunctionwithotheroffers,discountsorreduced-feeplans.Inaccordance withapplicablelaws,offerisnotvalidwithanyfederalhealthcareprograms, whichinclude,butarenotlimitedto,Medicaid,TricareandMedicare Advantageplans.|091223
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by Matthew Van Deventer
It’s time to sign up for Medicare insurance! Or is it? If it’s toward the end of the year, that will give more time to choose the correct plan. Or maybe switching plans isn’t necessary It’s always best to review the plans, either way. There’s Part A, Part B, Part C, Part D, supplemental coverage, prescription coverage, and medigap — at least. How much is this all going to cost?
Choosing Medicare insurance can get complicated. A licensed Medicare insurance agent can help tailor a plan that you can understand and one that fits your medical needs, lifestyle, and your wallet.
Daniel Martin is a Medicare insurance agent with Premier Insurance Partners, and Carmen Cisneros is a Medicare
Team Lead with Kaiser Permanente in Colorado. They are both seasoned Medicare advisors, and they discussed the top five reasons it’s important to work with a local Medicare agent.
Importance of a local agent
Cisneros and Martin both said
a local advisor is a part of the community. They understand the doctors, hospitals, and plans unique to the area.
“More importantly,” said Martin, “you’re not just a policy to them. You’re someone they’ll see at events, in the community, maybe even at church or the grocery store. That creates a level of accountability and trust you just don’t get with a call center.”
The value of personalized care when selecting a Medicare Plan
A Medicare agent will take the time to understand an individual’s preferred doctors, their budget, and even the medications they take, explained Cisneros. This helps an advisor guide a client to a plan that “truly supports their lifestyle, not just what looks good on paper.”
A trusted advisor will consider what an individual wants and what matters most to them, explained Martin. Instead of just selecting the cheapest or most advertised option, an agent will help guide their client to a solution that fits their life.
guidance
“Plans change. Doctors change. Prescriptions change. Life changes,” said Martin. Many people think enrolling in Medicare is a one-time decision, but it should be reviewed annually
An advisor is available for discussion year-round. Does a bill not make sense? Do you have questions about your coverage? Do you have a life change coming up? Check with your advisor.
“ . . .that’s where the real value is,” continued Martin. “It’s not just about enrollment, it’s about ongoing support.”
the
With all the different plans, parts, gap coverage options, and pricing, selecting a Medicare plan can be a complicated and daunting task.
“An experienced agent understands that Medicare is not a one-size-fits-all and has a strong grasp of all its parts and rules, “ said Cisneros. For example, they may recognize that a client qualifies for employer or group coverage, each with varying rates and benefits.
Improper enrollment can lead to poor coverage and unnecessary costs.
Healthcare is often one of the largest expenses in retirement, and “small decisions can have a big financial impact,” said Martin.
While monthly premiums are important, an agent can help you look at and understand the overall costs you may have to pay, including deductibles, copays, prescriptions, and any potential out-of-pocket expenses.
They can also identify coverage gaps and develop solutions.
“When it’s done right, it’s not just about saving money today — it’s about avoiding costly mistakes down the road,” said Martin
Cisnero points out that continuity of care is a very important aspect of Medicare planning that is often overlooked. It’s crucial to ensure that a client’s doctors, medications, and services continue uninterrupted.
“Having guidance during that transition can make all the difference,” said Cisneros.
The Medicare insurance team (Courtesy/Medicare)
by Lisa Truesdale
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When Dan Lewis’ mother passed away last September in Greeley, he and his family were naturally overwhelmed — with the inevitable grief, of course, but also with all the other tasks they were suddenly responsible for, like planning her funeral and cleaning out her home in preparation for selling it. “The only bright spot during that extremely difficult time was that my mom had planned and prepaid for all of her funeral arrangements,” Lewis says. “She even had a booklet of specific instructions all the way down to which songs we should
play at her memorial service and the exact wording for her headstone.”
Death is an uncomfortable topic to discuss, and it’s going to be an emotional and difficult conversation when it’s time to make our end-of-life wishes known to our family ahead of time. But there are many reasons why it’s better to tackle such issues now, rather than when the inevitable happens and it’s too late.
Preplanning and prepaying for your own funeral, like with Dignity Memorial, gives your family a roadmap and allocates the funds that will be used for your burial
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or cremation and a funeral or memorial service, if desired. This not only alleviates the financial burden on your family, but can lock in current prices, protecting you from rising costs (which have more than tripled since 1990, according to the National Funeral Directors Association). The process spares your family the stress of trying to plan everything and find the funds to cover it, allowing them to focus on grieving and healing.
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by Sarah Fuhrey Huber
For many, hearing loss is not a sudden medical emergency but an ongoing development. Family members are often the first to notice, and taking action can require courage. Leaving hearing loss unaddressed, however, may have lasting consequences on both the brain and overall quality of life.
“Hearing loss develops gradually. If the degree of change some people experience in a 10year period happened overnight, people would rush in to get it treated, but since it is slow, they just learn to compensate,” said Whitney Swander, owner and doctor of audiology at Hearing HealthCare Centers, with locations in Longmont, Loveland, Boulder and Fort Collins
In daily life, people may rely on context clues to function. “They might be at a restaurant where others are enjoying the conversation, but they struggle to understand over the background noise,” she said.
Research has shown that compensating, from relying on context clues to lip reading and using closed captions, “are signs the brain has undergone a rewiring process that may be permanent,” she said.
Dr. Jamie Gilgren, doctor of audiology at Hearing Life in Loveland, added that the longterm impacts of hearing loss can be severe. These include “permanent loss of speech clarity, increased cognitive load, social isolation, depression and increased risk of cognitive decline,” she said.
‘Test Your Ears at 50 Years’
Psychological and social factors can keep people from scheduling a hearing evaluation. Gilgren explained, “People delay seeking help for hearing loss due to psychological barriers, such as ‘wearing hearing aids makes people look old or less capable’; involuntary compensation, such as turning up the TV; financial barriers; and poor misconceptions about how the hearing aid technology functions.”
Gilgren and Swander urged people of all ages not to wait until they notice a serious deficit to be tested.
“A baseline hearing test is recommended at age 50,” Gilgren said. “‘Test your ears at 50 years.’ If the majority of people tend to mumble, speak too quickly, your TV volume is increasing, you prefer using a speakerphone, your ears ring or you no longer hear the microwave beep, then it is time for a hearing evaluation.”
When patients decide to address their hearing health, they must consider two modes of care: over-the-counter retail devices and prescription-level solutions.
While less expensive than prescription options, some consumers can become frustrated by the self-testing process required by over-the-counter devices.
“It sounds good for creating easy access and possibly affordability, but it has muddied the waters a lot,” Swander said “We have a patient who recently brought in 20 different OTC devices that he had tried, all unsuccessfully. They can start at costs under $100 and go up to many thousands of dollars.”
Prescription hearing devices offer clinical customization, advanced capabilities and ongoing rehabilitative support. “Modern hearing aid technology is small, rechargeable, AI-enhanced computers ranging in price from $1,000 to $3,000 per ear,” Gilgren said.
Acknowledging hearing loss can feel overwhelming, but Swander and Gilgren emphasized that the process is designed to support the patient, not rush them into a purchase.
“People who are nervous about taking the first step to hearing better should read reviews and find an audiologist who is compassionate,” Gilgren said. “Bring a trusted person with you to the hearing evaluation for support and to be your second set of ears.”
She continued, “Let the audiologist know how you are feeling because a compassionate audiologist will slow down, explain each step of the evaluation, allow time for questions and provide a demonstration of hearing aid technology without pressuring you to purchase that day.”
by Courtney Johnson
As adults age, tough questions need to be asked, and hard decisions need to be made for what is best for their care needs. As an alternative to living in care facilities, some families choose in-home care for a specialized approach to helping their loved ones with autonomy and maintaining some level of independence and control.
Leaving the care of an elderly parent to a stranger can be overwhelming and cause anxiety. Figuring out when it is time for this care can also be confusing. If it is time to look at more individualized care, it’s better to be proactive than reactive. Having the space to navigate the types and levels of care is crucial, rather than being rushed after a big event happens. “Often, families wait until there is a crisis before seeking support, but early intervention can improve safety, reduce stress, and help older adults maintain their independence and quality of life for a longer period of time,” said Meredith Skoglund, community outreach manager, DHS Home and Community Supports Division for Weld County.
As family members get older, there are some pre-indicators to look for that additional help and care are needed for an aging adult to maintain a high quality of life, still in their home. “Some common signs include difficulty managing daily tasks such as cooking, cleaning, bathing, dressing, or remembering medications,” said Skoglund. “Loved ones may also notice increased falls, missed appointments, confusion, weight loss, isolation, or changes in personal hygiene.”
There are many questions to ask when looking for in-home care, including what type of care. Care types range from traditional home health and consumer-directed care to all-inclusive, including the PACE model, and integrated
long-term care. Needs will likely change over time, making these decisions even more difficult. Look for the focus, target population and funding and payment options to help sort through all the choices.
Help is out there for navigating these life choices, but sometimes it is just knowing where to look or who to reach out to that is part of the battle. Local resources, including the Weld County Area Agency on Aging, help older adults and families understand the resources and support available to help individuals remain independent at home.
“The In-Home Services Program partners with home care agencies to connect eligible Weld County residents aged 60 and older with supportive services tailored to their needs,” said Skoglund. “The In-Home Coordinator completes an assessment to determine the appropriate level of support and helps explain available services, eligibility requirements, and the application process.”
In addition, WCAA offers the HelpSource Guide. This guide includes a list of community resources and home health agencies throughout Weld County. To help best meet needs, the Information and Assistance team works with older adults and families to connect with services. The Aging and Disability Resources for Colorado (ADRC) program helps adults 18 and older with disabilities and individuals 60 and older to explore care options, including long-term care facilities, community-based services and in-home support.
“The goal is to help individuals and families make informed decisions about care and future planning,” said Skoglund. “We encourage families to look for services that are flexible, personalized, and focused on helping individuals remain safe, healthy, and connected to their community.”
Launching their website in July of 2021, the non-profit AgeWise Colorado was founded in 2020 to partner with adults and their families who are navigating aging and caregiving. Bob Brocker, founder of AgeWise Colorado, recommends, “Finding an agency that has been around for more than just a couple of years (or months), with a good management team and experience in supporting families. Listen and look for hints of mission: Why was this agency created? What is the story behind its formation?”
The range of care services they offer, their overall reputation and why they chose to be in this business are all factors to consider. Questions to consider, according to Brocker, are, “Are your caregivers fully trained and
how are they trained? Are they monitored, background checked and supervised? Can the agency handle a broad range of care needs (companionship, personal care, dementia/alzheimers)? Can the agency help with processing a long-term care insurance claim? If the person being cared for is a
veteran, is the agency set up for working with the V.A.? Can I change our caregiver if we have an issue or maybe simply don’t like them?” he said. Every provider on the AgeWise Colorado website goes through a vetting process, including checking licenses, which are on file with CDPHE. If the provider has no Colorado state license, AgeWise does not include them in its list of resources.
Using the vetted directory, “Explore the larger category called “Aging in Place’ — there is a variety of services there, including in-home care,” said Brocker “Also, explore our articles on different topics, which include ones on most of the issues. There are also recorded webinars— these two are particularly helpful: agewisecolorado.org/blog/in-home-
care-for-older-adults-who-doesit-cost-types-of-care-the-need; agewisecolorado.org/blog/in-homecare-for-yourself-or-a-loved-onewhat-you-need-to-know
If you are considering in-home care in Colorado, the good news is that you aren’t alone in your search for what best fits your loved one’s preferences and needs. Reach out and take advantage of the community resources that are out there to help aging residents and families find the best fit.
by Shelley Widhalm
Northern Colorado residents can expect that when it comes to their health insurance, changes are likely to happen each year to their coverage, costs and benefits, especially in years like 2026.
Gaining awareness of those changes and understanding the latest legislation and policy updates often requires personalized guidance to know all the fine details.
“One of the biggest things we’re seeing right now is that insurance, especially Medicare, continues to evolve quickly,” said Daniel Martin, director of Premier Insurance Partners in Loveland. “New legislation changes each year, carrier changes, prescription drug updates and expanded benefits are creating
both opportunities and confusion for seniors.”
This year, due to increased medical costs and a rise in the number of claims at the same time as reduced reimbursements, carriers are adjusting their coverage to match the market.
“In 2026, we’ve seen continued changes in Medicare costs and prescription coverage,” Martin said. “Medicare Part B premiums and deductibles have increased again, and the Part D prescription structure continues to evolve with new caps on out-of-pocket drug costs.”
The Inflation Reduction Act of 2023 resulted in several of those changes, including lowered costs of prescriptions; however, the Centers for Medical Services also
lowered the amount of financial assistance to the carriers to offset costs to the consumer, resulting in adjustments to most Medicare and Prescription Drug plans, said Diane Brush-Goldsberry, licensed insurance agent and owner of DCT Insurance, LLC, in Loveland. Several insurance providers responded by limiting offerings, requiring referrals to specialists and lowering some extra benefits, along with some carriers no longer paying commissions to agents on some of their plans, she said.
“Agents play an extremely important role to the consumer with assisting in understanding, customer service, and finding the right plan,” Brush-Goldsberry said.
The drug cost cap is a genuine financial relief for many, said Justin Jakubcin, Medicare sales executive for Select Health in Denver
“Someone who previously spent $5,000 or more a year on prescriptions now has a predictable ceiling, making budgeting on a fixed income possible again,” Jakubcin said. “On the other side, the benefit reductions in some Medicare Advantage plans are causing real confusion, especially for people who did not read the Annual Notice of Change letter that arrived in September. Seniors on fixed incomes feel every premium increase, and misinformation about what Medicare does and does not cover is still one of the biggest challenges I see.”
Medicare eligibility begins at
age 65, and seniors who also have a Medigap plan have seen their premiums increase due to rising healthcare costs. Medigap, or Medicare Supplement Insurance, is private insurance that helps cover out-of-pocket costs for things like deductibles, copayments and coinsurance that aren’t covered by Original Medicare Parts A and B, but are not approved for payment by them.
“Big price jumps are difficult for seniors on a fixed income,” Martin said. “What a lot of seniors don’t know is that they can actually update those plans by answering health questions.”
A 2026 change allows seniors to answer medical, prescription and income questions for lower outof-pocket costs for Medicare, with the benefit of reductions to their premiums and subsidies for prescription drugs. A second change is the reduction of benefits for seniors on a Medicare Advantage, or Part C, plan, offered by private companies combining hospital, medical and often prescription drug coverage into a single plan — Part C, however, is not a replacement for Original Medicare.
“They may pay nothing for their insurance, copays, deductibles and extra benefits,” Martin said. “With these plans in the last couple of years, they’ve lowered some extra benefits and they’ve increased some of the copayments because of the increased health care costs.”
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by Shelley Widhalm
As older adults approach their senior years, now is a good time to evaluate their real estate scenario and consider the housing options that best meet their retirement plans, health and wellbeing, and desire to remain independent
“Homeowners should consider evaluating their real estate situation when their home no longer fully supports their financial, physical or lifestyle needs, both now and in the future,” said Lisa Fields, loan officer for CMG Home Loans NOCO in Fort Collins. “Retirement often brings changes, such as rising costs of
living, increasing property taxes and insurance, health or mobility concerns, the loss of a spouse, or the desire to be closer to family and reduce home maintenance responsibilities.”
Fields specializes in reverse mortgage solutions for homeowners who are evaluating how their home fits into retirement and long-term financial planning. Traditionally, reverse mortgages served homeowners age 62 and older, but she now can offer proprietary reverse mortgage options for borrowers 55 and older.
Many of Fields’ clients want
to improve cash flow, preserve retirement assets, eliminate mortgage payments, or transition into a home that better supports their lifestyle and future needs Seniors also might want to start engaging in estate planning or move closer to medical providers and family for the companionship or the help they may need, she said.
“Many seniors are equity rich, but cash-flow constrained, with much of their wealth tied up in their home while everyday expenses continue to rise,” Fields said. “Evaluating options early can help create flexibility and avoid rushed decisions during a financial or medical crisis.”
What makes sense for retirement and long-term wellbeing is different for each senior, but the goal is typically the same — to create financial stability, preserve fixed incomes, maintain independence and reduce
stress during later stages of life, Fields said.
“Factors such as health changes, the loss of a spouse, rising living expenses, caregiving needs and proximity to family often play a major role in deciding whether staying in the current home is still the best fit,” Fields said.
Seniors might consider downsizing, traditional refinancing or using home equity through a reverse mortgage to help preserve their retirement assets and reduce their monthly costs. Reverse mortgages can be used to right-size into a home better suited for retirement without taking on traditional mortgage payments. Seniors also might want to consider a trust or engage in estate planning.
“The best solution is one that supports long-term financial sustainability, while allowing retirees to maintain the lifestyle,
dignity and independence they desire,” Fields said.
Seniors need to consider more than their home’s value and evaluate if where they live still meets their lifestyle needs. They need to think about how much time and money they’re able to spend on maintenance, yardwork, cleaning and repairs and if property taxes, insurance and utility costs are becoming too much with the extra, unused bedrooms.
“Would I rather spend my time enjoying life instead of managing a home?” said Megan Maddux, assistant community director of Affinity at Loveland, Live YOUR Lifestyle. “The question becomes less about ‘staying where you are’ and more about, does my lifestyle still support the future I want?”
Affinity is a 55+ community for active adults with studios and one- and two-bedroom
units on three floors accessed by elevators. There are lots of amenities, too, including an indoor pool and spa, fitness center, pickle ball court, dog park, a movie theater, a pub and billiards and game rooms, plus there are on-site activities and fitness classes.
“Moving to a community like Affinity can offer financial predictability, convenience and peace of mind compared to the ongoing responsibilities of homeownership,” Maddux said.
The Village Cooperative of Loveland also is a 55+ community with 58 one- and two-bedroom units where the residents own a part of the building and the land—their monthly payments cover the mortgage, interest, staff and common areas.
“For older adults, it’s the most affordable of anything,” said Scotta Williams, volunteer marketing committee co-chairwom-
an and a resident at the cooperative. “It has all the things of a community and the social part of not being lonely, so to speak. We have lots of activities going on, and we have some amenities and so forth.”
The amenities include an exercise room, wood shop, community room, library and an underground garage, plus storage areas in each unit.
“First of all, cost is number one. Number two is lifestyle what kind of lifestyle do you want to have?” Williams said. “Everyone has to evaluate for themselves what’s best for them and go around and look at what’s available.”
June Lemmings, owner of June’s Team in Greeley, a real estate company that serves Northern Colorado, works with seniors who want to move to a retirement community or downsize into something like a condominium, townhome or pa-
tio home free of outdoor maintenance requirements, working from her approved vendor list. Seniors also might opt for independent living, assisted living or memory care or age-friendly properties designed for aging in place, or they might decide to move in with family.
“It’s best if they have a long-term relationship with a trusted Realtor who they can call if they have questions,” said Lemmings, a Realtor and Senior Real Estate Specialist, SRES. “I like them to be able to move on their own terms.”
Lemmings advises seniors meet with a Realtor one to two years in advance of a move and make anticipated lifestyles changes before a fall or other health and mobility issues make moving an immediate necessity and any decisions reactive. She recommends seniors don’t wait to replace things that will go into the value of the home sale, such
as installing new flooring, but avoid updates that end up costing more than the resell value.
“They might need more community, convenience and amenities,” Lemmings said. “We really want them to consider, does the home present more of a burden, or do they enjoy their home? … It’s really looking at physical safety, mental and emotional wellbeing, and proximity to what they want for quality of life.”
the Aging Resource and the 55 & Better Expo.
As they make their decisions, seniors have access to lots of resources beyond Realtors and loan officers, including financial advisors specializing in seniors, estate attorneys, and local services like the Area on Aging,
“Downsizing isn’t about losing something. It’s about intentionally choosing what your next chapter will look like while you still have health, clarity and the resources to do it well,” Lemmings said.
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by Lisa Truesdale
After she turned 65 and switched to Medicare, Fort Collins resident Patty Grine began making a list of all the routine health appointments she had fallen a little behind on scheduling. She almost skipped over making an eye appointment, though, because she felt she was seeing just fine, but something told her to go and see an ophthalmologist anyway. “I’m so glad I went,” she says. “He diagnosed me with fairly advanced glaucoma, so that’s now being treated, and it turns out that was probably the cause of the headaches I’d been having. I had no idea.” Routine eye exams are crucial as we age, since our risk for health issues increases significantly with each passing year. As
Grine learned, even if we think we aren’t having issues, we might be.
“For adults fifty-five and over, routine eye care not only helps preserve eyesight but can also identify early signs of other health conditions, like cataracts, glaucoma, macular degeneration, and diabetic eye disease, before they significantly impact vision,” a representative of the Eye Care Center of Northern Colorado in Longmont explains (with a Loveland location set to open in July).
“Keeping up with these appointments helps support overall longterm health and quality of life.”
Regular dental exams are important, too, and not just to help maintain a beautiful smile. “Your mouth is truly the gateway to
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the rest of your body,” says Theo Mioduski III, DDS, of Implant and General Dentistry of Northern Colorado in Loveland. “Taking care of your teeth and gums after fifty-five is a critical part of managing your cardiovascular health, controlling inflammation, and staying vibrant from head to toe.” He explains that consistent, proactive exams allow your dental-care team to catch issues like micro-fractures and worndown fillings before they turn into more serious (that is, painful and expensive) problems.
If and when it’s time for dental implants, the teams at Greeley Prosthodontics and Rocky Mountain Dental Specialists in Longmont recommend All-on-X implants, which unlike regular dentures don’t sit directly on the gums, don’t require adhesives, and don’t shift during eating or speaking. “All-on-X dental implants offer immediate function, improved stability, and significantly better chewing power compared to traditional dentures,
and they also help preserve bone and maintain facial structure,” says Ryan Lewis, DMD, MSD “One of the last true luxuries in life is the ability to eat comfortably, and investing in a healthy, stable mouth now can have a profound impact on quality of life later on.”
And don’t forget about regular checkups for your ears. Untreated hearing loss is about so much more than not being able to hear. Struggling to hear voices and other sounds around you can diminish your mental sharpness, increase your risk of dementia, and impact your social life since you might feel left out when you’re unable to participate in conversations. The Hearing Place, with five Northern Colorado locations including Fort Collins, Johnstown, and Windsor, offers in-office and online hearing tests, tinnitus treatments, hearing aid cleaning and maintenance, and other services to keep aging ears healthy.
l Eye Care Center of Northern Colorado, eyecaresite.com, (303) 772-3300
l Greeley Prosthodontics, greeleyprosthodontics.com, (303) 834-5723
l Implant and General Dentistry of Northern Colorado, implantdds.com, (970) 6631000
l Rocky Mountain Dental Specialists, rmdentalspecialists.com, (720) 597-3344
l The Hearing Place, thehearingplaceco.com, (303) 963-9246
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By Julie Kailus
Northern Colorado is home to a spirit of generosity. And right now, two local nonprofits are counting on that spirit to serve neighbors who need it most. Whether you have a few hours a week or a piece of medical equipment just gathering dust, your contribution can make a life-changing difference.
In Loveland’s Lago Vista neighborhood — one of the most under-resourced communities in the Thompson School District — a quiet revolution in learning has been underway for 15 years. What began as a labor of love by retired teacher Laney Howard has grown into a thriving volunteer tutoring
program serving students at Cottonwood Plains Elementary, Lucile Erwin Middle School, and Loveland High School.
“Laney’s legacy is one of love and service,” says Seth Rickard, executive director of Lago Vista Neighbor. “We continue to carry forward her values of empowerment through education.”
The numbers behind the program are strong. Over its 15-year history, Lago Vista Neighbor has served more than 500 children. And the summer reading initiative produces measurable results: among students who attend Summer Reading 70% of the time or more, 88% improve or maintain their reading level — bucking the “summer slump” that typically causes reading scores to drop.
Right now, the program is actively recruiting volunteers for its summer reading program. The commitment is manageable — about an hour and a half per one-on-one reading session, one or two days per week — and the experience, Rickard promises, is rewarding. “It’s really
more fun than work!” he says.
“Volunteers are the backbone of our programs,” Rickard says. “We really couldn’t make the difference we do without them.” Interested? Email volunteer@lagovistaneighbor org to sign up.
For older adults managing health challenges, the right piece of equipment — a walker, a shower chair, a hospital bed — can mean all the difference to recovering safely at home and struggling without support. Good Health Will, a Northern Colorado nonprofit, bridges that gap by accepting donated medical equipment and reselling it at significantly reduced prices.
“One neighbor donates equipment they no longer need, and another neighbor gains access to that same equipment at a price they can afford,” says Joanna Hunter, executive director of Good Health Will. “Through this approach, we make it possible for individuals and families to regain independence, recover at
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Commonly accepted donations include wheelchairs, walkers, hospital beds, crutches, bath and shower chairs, lift devices, incontinence products, wound care items, and diabetic supplies. Items can be dropped off at any Good Health Will store Monday through Saturday, 9 a.m. to 5 p.m., and free pickup is
available within a 60-mile service radius for larger items. Good Health Will is also seeking community members interested in serving on its Board of Directors. To learn more, email theboard@goodhealthwill.org, or visit www.goodhealthwill.org.
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“There are a lot of ways to improve function,” she says. “People don’t have to just live with discomfort.”
That focus on restoring function, rather than simply masking pain, also shapes the philosophy at Inner Vitality Chiropractic, where Jeremy Overholt works with patients dealing with chronic neck and back pain, spinal conditions, shoulder and knee injuries, and neuropathy
The clinic combines chiropractic care with shockwave therapy, which uses targeted sound waves to stimulate circulation and healing in damaged tissue. Yet Overholt says some of the most effective solutions
are often the simplest.
He encourages older adults to incorporate small, consistent movement all day, especially motions that involve bending, twisting and varied mobility beyond walking.
“Activities that include bending and twisting movements can lubricate joints and help people regain mobility,” he says.
Those movements, he adds, are not only beneficial for the body. They also support cognitive health and mental sharpness.
“Movement is life,” Overholt says. “The brain thrives off of movement.”
Together, these Northern Colorado providers share a common belief: aging should not automatically mean declining independence or constant pain. Whether through massage therapy, mobility modifications, chiropractic care, regenerative treatments or simple daily movement, they believe adults have more options than ever to remain active, connected and engaged in the lives they love.
For many older adults, the first step may simply be recognizing that help exists and that feeling better is still possible.
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Another resource for seniors is making sure they have access to news and information through TV and the internet.
“High-speed broadband internet helps maintain independence, confidence and connection,” said Fred Jacobs, public relations and brand engagement manager of Pulse Fiber Internet for the City of Loveland. “High-speed broadband internet is part of how they can stay informed, safe and engaged with the people and services that matter most to them.”
Broadband supports telehealth and virtual medical visits, allowing seniors to speak with healthcare providers without needing transportation. It enables smart home tools that can increase independence and safety,
such as medical alert systems, smart thermostats and home security devices. And it helps seniors stay socially connected through social media, email and social media, plus provides them with entertainment and educational opportunities.
Seniors should look for speed and reliability, transparent pricing and customer service availability when selecting internet services. As for TV, they should choose a package where they get the channels they want without overpaying for unneeded extras.
“We find that seniors like being able to watch the local and regional news and weather — those are included in all three of our packages,” Jacobs said. “Ours is through a settop box that easily connects to the TV, and you can watch via a laptop or mobile device if you are not at home.”
