<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><meta http-equiv=Content-Type content="text/html; charset=utf-8"><meta name=Generator content="Microsoft Word 15 (filtered medium)"><!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
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</style><![endif]--><title> SHIIP-SMP Quarterly Newsletter: Iowa's Medicare Resource </title><style><!--
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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal><font size=3 face=Aptos><span lang=EN style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0' id=flexible-abe-main-table><tr><td width="100%" bgcolor="#EEEEEE" style='width:100.0%;background:#EEEEEE;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td style='padding:15.0pt 0in 15.0pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td style='padding:15.0pt 0in 15.0pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=200 valign=top style='width:150.0pt;padding:0in 0in 0in 0in'><div id=abe-column-block-c85802d9-a0ac-4291-a08d-170309c63d66><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img width=170 height=77 style='width:1.7708in;height:.802in' id="_x0000_i1058" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/07/6136405/4217499/shiip-primary-horizontal-logo-color_crop.jpg" alt="Iowa SHIIP Logo"><o:p></o:p></span></font></p></td></tr></table></div></div></td><td width=200 valign=top style='width:150.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%' id=abe-column-block-af840a9d-4edf-4d06-ad74-8a9464225846-outlook-only><div id=abe-column-block-af840a9d-4edf-4d06-ad74-8a9464225846><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'></td></tr></table></div></div></td><td width=200 valign=top style='width:150.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%' id=abe-column-block-bfea3678-2cbb-4c4d-8c32-69650756ac5c-outlook-only><div id=abe-column-block-bfea3678-2cbb-4c4d-8c32-69650756ac5c><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img width=170 height=61 style='width:1.7708in;height:.6354in' id="_x0000_i1057" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/07/6136407/4217500/smplogorgb_crop.jpg" alt="SMP National"><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-12ce0192-79a2-469d-9dc1-ecdc020356dd><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-4e0e35f0-548c-4496-934a-9de82bae0962><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>IOWA'S MEDICARE RESOURCE<o:p></o:p></span></font></b></h1><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>A quarterly newsletter brought to you by the Iowa Senior Health Insurance Information Program (SHIIP) and the Iowa Senior Medicare Patrol (SMP)<o:p></o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p style='mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>October 31, 2024<o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-6c86cdcc-4d83-413d-91fa-84a5e941ed24><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-0c6644e2-7f30-446e-a0a5-cd51c680ac89><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>SHIIP-SMP Volunteer Spotlight<o:p></o:p></span></font></b></h1><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>SHIIP-SMP Sponsor Site Awards Go To…</span></font></strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img width=182 height=121 style='width:1.8958in;height:1.2604in' id="_x0000_i1056" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2024/01/8868944/5214141/older-couple_crop.png" alt="Older Couple"><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>While SHIIP-SMP volunteers are best known for providing one-on-one Medicare counseling- including helping Medicare beneficiaries compare their plan options - they do so much more!<o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>Starting in 2021, volunteers at two SHIIP-SMP Sponsor Sites have been recognized for being the “Best in State” at helping<strong><font face=Helvetica><span style='font-family:"Helvetica",sans-serif'> clients find financial assistance to cover Medicare costs and helping clients avoid Medicare fraud, scams and abuse. </span></font></strong>This year the awards were presented to <strong><font face=Helvetica><span style='font-family:"Helvetica",sans-serif'>UnityPoint Health Grinnell Regional Medical Center</span></font></strong> and <strong><font face=Helvetica><span style='font-family:"Helvetica",sans-serif'>Lucas County Health Center.</span></font></strong><o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td style='padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td bgcolor="#0C77CF" style='background:#0C77CF;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal align=center style='text-align:center'><font size=3 color=black face=Aptos><span style='font-size:12.0pt;color:black'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Fshiip-smp-volunteer-recognition%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/ZDDUF4N6EcUwB5LeNmQ91Z6aIeET4-8RUGtILIJ-smA=377" target="_blank"><strong><font size=3 color=white face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none'>Read Article Here</span></font></strong></a></span></font><o:p></o:p></p></td></tr></table></div></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-be3feef5-cd51-4298-92c3-8a6f07b0fea2><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-26688da1-0cf9-4a09-ab51-acc3c9a55a98><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>What's New in Medicare? <o:p></o:p></span></font></b></h1><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.75pt;margin-left:0in'><strong><b><font size=4 face=Helvetica><span style='font-size:13.0pt;font-family:"Helvetica",sans-serif'>Open Enrollment Period is Underway</span></font></b></strong><font size=4 face=Helvetica><span style='font-size:13.0pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></h3><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img border=0 width=182 height=105 style='width:1.8958in;height:1.0937in' id="_x0000_i1055" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/06/6084764/4198387/1140-medicare-card-close-up_crop.jpg" alt="What's New in Medicare"><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>Each fall, during the Open Enrollment Period (OEP) from October 15th to December 7th, Medicare beneficiaries have the chance to switch to a new Medicare drug plan or Medicare Advantage plan for the following year. <o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>In 2025, there are many changes (including cancellations and new plans) with both Medicare drug and advantage plans. With all these changes it more important than ever this year to complete a plan comparison to understand your options during Open Enrollment. <o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td style='padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td bgcolor="#0C77CF" style='background:#0C77CF;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal align=center style='text-align:center'><font size=3 color=black face=Aptos><span style='font-size:12.0pt;color:black'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Fwhats-new-medicare%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/a5zVhS0L3JOEL3Xlc9-7g62Wf51mE0oF2K2-mh-VEZA=377" target="_blank"><strong><font size=3 color=white face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none'>Read Article Here</span></font></strong></a></span></font><o:p></o:p></p></td></tr></table></div></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-7c1a818e-0a26-4c38-be13-2916dbdae9d9><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-f7c2e03d-ed88-4e26-9c7a-e7a125467593><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>Saving Money & Medicare<o:p></o:p></span></font></b></h1><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.75pt;margin-left:0in'><b><font size=4 face=Helvetica><span style='font-size:13.0pt;font-family:"Helvetica",sans-serif'>Make Sure you Compare Plans<o:p></o:p></span></font></b></h3><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img border=0 width=182 height=102 style='width:1.8958in;height:1.0625in' id="_x0000_i1054" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/06/6084766/4198388/saving-money_crop.jpg" alt="Save Money & Medicare"><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>Part D Drug Plans and Medicare Advantage Plans can change their contracts, coverage and benefits every year.</span></font></strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'> That means current plans may not cover your existing prescriptions next year, they could change cost-sharing requirements or could even add prior authorization requirements needed to get your prescription covered. <o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>Despite all these great reasons to get an annual plan comparison done, a recent study revealed that <strong><font face=Helvetica><span style='font-family:"Helvetica",sans-serif'>only 31%</span></font></strong> of Medicare beneficiaries compare their current plan with other Medicare plans during the annual open enrollment period. <o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td style='padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td bgcolor="#0C77CF" style='background:#0C77CF;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal align=center style='text-align:center'><font size=3 color=black face=Aptos><span style='font-size:12.0pt;color:black'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Fhelp-medicare-costs%2Fsaving-money-medicare%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/o_MN7CMGVxm3ztQcFGfcLbvXjfeTo_2OOftIsjYVN4M=377" target="_blank"><strong><font size=3 color=white face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none'>Read Article Here</span></font></strong></a></span></font><o:p></o:p></p></td></tr></table></div></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-8f9c1425-0ab8-4672-bdcd-40567652a5a8><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-a13811ef-716e-4def-b6ca-6e3544acc991><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>Medicare Fraud Spotlight<o:p></o:p></span></font></b></h1><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.75pt;margin-left:0in'><strong><b><font size=4 face=Helvetica><span style='font-size:13.0pt;font-family:"Helvetica",sans-serif'>Iowa Nurse Gets Sentenced to 20 Years for Medicare Fraud</span></font></b></strong><font size=4 face=Helvetica><span style='font-size:13.0pt;font-family:"Helvetica",sans-serif'> <o:p></o:p></span></font></h3><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img border=0 width=182 height=121 style='width:1.8958in;height:1.2604in' id="_x0000_i1053" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2024/01/8869119/5214142/istock-84066465-xxxlarge_crop.jpg" alt=Fraud><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>It was recently reported that the Iowa Board of Nursing revoked the license of an Iowa nurse in June of 2024. Elizabeth Hernandez, an advanced registered nurse practitioner, was sentenced to 20 years in prison in September 2023 after being convicted of seven federal offenses involving wire fraud and health care fraud. Prosecutors stated that Hernandez collected $1.6 million from a $192 million fraudulent billing scheme over the course of three years.<o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><u><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>Many of Hernandez’s false claims involved prescribing expensive and medically unnecessary genetic tests and durable medical equipment (DME) to thousands of Medicare beneficiaries she’d never spoken to. </span></font></u></strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td style='padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td bgcolor="#0C77CF" style='background:#0C77CF;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal align=center style='text-align:center'><font size=3 color=black face=Aptos><span style='font-size:12.0pt;color:black'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Fprevent-fraud%2Fmedicare-fraud-spotlight%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/YT1Re3bn22etfh7V3GR_GNOLuUNU3NmdtwjGRyTpwSY=377" target="_blank"><strong><font size=3 color=white face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none'>Read Article Here</span></font></strong></a></span></font><o:p></o:p></p></td></tr></table></div></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><h1 style='mso-margin-top-alt:8.05pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>Become a SHIIP-SMP Volunteer<o:p></o:p></span></font></b></h1><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Fget-involved%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/vr2zOpJMB7-AyvonbbmTnqRxEqq0JaYjFtUSxhG0mIw=377" target="_blank"><span style='text-decoration:none'><img border=0 width=182 height=121 style='width:1.8958in;height:1.2604in' id="_x0000_i1052" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2024/01/8856806/5210473/shiip-volunteer-generic_crop.jpg" alt=Volunteer></span></a><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>SHIIP-SMP is seeking new volunteers to be trained as certified Medicare counselors at locations across the state. Give back to your community by helping Medicare beneficiaries understand their options and how to save money. <o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>Learn more about the role and apply today! <o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td style='padding:12.0pt 0in 11.25pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><tr><td bgcolor="#0C77CF" style='background:#0C77CF;padding:7.5pt 7.5pt 7.5pt 7.5pt;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal align=center style='text-align:center'><font size=3 color=black face=Aptos><span style='font-size:12.0pt;color:black'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fapp.betterimpact.com%2FApplication%3FApplicationFormNumber=1%26OrganizationGuid=231319da-a631-45a8-8b60-00feb9eafeb9%26utm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/LNMs0_TTvrE5h_JYzWpM5CVkko-6NcUrZIaQTkwuyA8=377" target="_blank" title="Volunteer "><strong><font size=3 color=white face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif;color:white;text-decoration:none'>Apply to Volunteer</span></font></strong></a></span></font><o:p></o:p></p></td></tr></table></div></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-f7ae1877-6795-4afb-9c56-beba2af03679><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-1cdec6b4-a58e-49a4-bb75-b39363db0045><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>Mark Your Calendar<o:p></o:p></span></font></b></h1><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Fseminars%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/7UR8q1znieJ6u35T-q5OozGc_n5Mk_CrA2UTDMpLXvg=377" target="_blank"><span style='text-decoration:none'><img border=0 width=182 height=137 style='width:1.8958in;height:1.427in' id="_x0000_i1051" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/06/6084796/4198413/calendar-0_crop.jpg" alt="Mark Your Calendar"></span></a><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>October 15: Open Enrollment Period Begins<o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'>December 7: Open Enrollment Period Ends<o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Fseminars%3Futm_medium=email%26utm_source=govdelivery/2/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/vek7ZXPvTg-ryoaIpnvNWumzP-Ox-8oIq1XuROMzg18=377" target="_blank" title="Welcome to Medicare Seminars Map"><font color="#1d5782"><span style='color:#1D5782'>Welcome to Medicare Seminar Map & Dates</span></font></a></span></font></strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr id=abe-section-row-d2a13617-2520-462f-ae3a-d8da24cf839d><td style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='max-width:6.25in;border-collapse:collapse'><tr style='-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><td valign=top bgcolor=white style='background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 0in'><div id=abe-column-block-53fcae9f-0836-4e46-b069-1f338549fc9b><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><b><font size=6 face=Helvetica><span style='font-size:22.5pt;font-family:"Helvetica",sans-serif'>SHIIP/SMP Resources<o:p></o:p></span></font></b></h1><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0;overflow-wrap: break-word'><tr><td width=182 valign=top style='width:136.5pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><img border=0 width=182 height=197 style='width:1.8958in;height:2.052in' id="_x0000_i1050" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/07/6136537/4217501/shiip-shieldonly-logo-color_crop.jpg" alt="SHIIP Sheild"><o:p></o:p></span></font></p></td><td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td><td valign=top style='padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Ffind-counselor%2Fvolunteer-shiip-smp%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/ss3ZLC2G0JA82L3JXxJauyjdi4I157dzoy90NPpdY6k=377" target="_blank" title="Become a SHIIP/SMP volunteer"><font color="#1d5782"><span style='color:#1D5782'>How</span></font></a><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Ffind-counselor%2Fvolunteer-shiip-smp%3Futm_medium=email%26utm_source=govdelivery/2/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/JyVGNPSgZcjEHdE6bqfujGz9U3EOaVFOUKFFSx6abGs=377" target="_blank" title="Become a SHIIP/SMP volunteer"><font color="#1d5782"><span style='color:#1D5782'> to become a SHIIP/SMP volunteer</span></font></a></span></font></strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Ffind-resources%2Ffind-counselor%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/qicc_x_wJc7YALKCbg9GUsj7segGG5BgpqXGyGD5HL0=377" target="_blank" title="Find a SHIIP/SMP Counselor"><font color="#1d5782"><span style='color:#1D5782'>Find a SHIIP/SMP Counselor Near You</span></font></a></span></font></strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:11.25pt;margin-left:0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><strong><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Fget-started%2Fgetting-ready-retire%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/TXOEOj36v7GEdrtBN-qY0jcvAQnxy2EoL1OLAFMe-1U=377" target="_blank" title="New To Medicare"><font color="#1d5782"><span style='color:#1D5782'>Tips on Turning 65</span></font></a></span></font></strong><b><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif;font-weight:bold'><br><br><strong><font face=Helvetica><span style='font-family:"Helvetica",sans-serif'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fshiip.iowa.gov%2Fabout-shiip-smp%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/2ceTPC0q-eYsORXNYR98rjrW829mX-iRr_TY5Zl8SE0=377" target="_blank" title="About SHIIP/SMP"><font color="#1d5782"><span style='color:#1D5782'>Learn more about SHIIP/SMP</span></font></a></span></font></strong></span></font></b><font size=3 face=Helvetica><span style='font-size:11.5pt;font-family:"Helvetica",sans-serif'><o:p></o:p></span></font></p></td></tr></table><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;border-spacing: 0'><tr><td width="100%" style='width:100.0%;padding:0in 0in 0in 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td></tr></table></div></div></td></tr></table></div></td></tr></table></div></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p></o:p></span></font></p></td><td style='padding:15.0pt 0in 15.0pt 0in;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%'></td></tr><tr><td style='padding:15.0pt 0in 15.0pt 0in'><p class=MsoNormal><font size=3 face=Aptos><span lang=EN style='font-size:12.0pt'><o:p> </o:p></span></font></p></td><td style='padding:15.0pt 0in 15.0pt 0in'><p class=MsoNormal><font size=3 face=Aptos><span style='font-size:12.0pt'><o:p> </o:p></span></font></p></td><td style='padding:15.0pt 0in 15.0pt 0in'><p class=MsoNormal><font size=2 face="Times New Roman"><span style='font-size:10.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></font></p></td></tr></table></div></td></tr></table></div><div id="mail_footer"><p class=MsoNormal><font size=3 face=Aptos><span lang=EN style='font-size:12.0pt;display:none'><o:p> </o:p></span></font></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'><tr><td style='padding:0in 0in 7.5pt 0in'><p align=center style='text-align:center'><font size=2 face=Arial><span style='font-size:10.0pt;font-family:"Arial",sans-serif'><img border=0 width=221 height=82 style='width:2.302in;height:.8541in' id="_x0000_i1049" src="https://content.govdelivery.com/attachments/fancy_images/IACIO/2022/07/6143231/ship-nationallogocmyk_original.jpg" alt="SHIP - State Health Insurance Assistance Program"></span></font><font size=2 face=Arial><span style='font-size:10.0pt;font-family:"Arial",sans-serif'><o:p></o:p></span></font></p><p class=MsoNormal align=center style='text-align:center'><font size=2 face=Arial><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Stay Connected with the Senior Health Insurance Information Program (SHIIP) and Senior Medicare Patrol (SMP): <o:p></o:p></span></font></p></td></tr><tr><td style='padding:7.5pt 7.5pt 7.5pt 7.5pt'><p align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.facebook.com%2FIowaSHIIPSMP%3Futm_medium=email%26utm_source=govdelivery/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/pj6A8Npg_Eif63Cy6TKx0RYZv2rUgGLOBDJHDA2p7rk=377" title=""SHIIP Facebook" t "><font face=Arial><span style='font-family:"Arial",sans-serif;text-decoration:none'><img border=0 width=32 height=32 style='width:.3333in;height:.3333in' id="_x0000_i1048" src="https://content.govdelivery.com/attachments/fancy_images/implementation/2016/02/754187/facebook_original.png" alt=Facebook></span></font></a></span></font><font face=Arial><span style='font-family:"Arial",sans-serif'> <a href="mailto:SHIIP@iid.iowa.gov" target="_blank" title="SHIIP Email"> <span style='text-decoration:none'><img border=0 width=32 height=32 style='width:.3333in;height:.3333in' id="_x0000_i1047" src="https://content.govdelivery.com/attachments/fancy_images/implementation/2016/02/754150/govdelivery_original.jpg" alt=Govdelivery></span></a></span></font><o:p></o:p></p><p align=center style='text-align:center'><font size=2 face=Aptos><span style='font-size:10.0pt'>Call SHIIP/SMP for support at 1-800-351-4664</span></font><o:p></o:p></p><p><font size=2 face=Aptos><span style='font-size:10.0pt'>This project was supported, in part by grant numbers 90SAPG0070 and 90MPPG0046, from the U.S. Administration for Community Living, Department of Health and Human Services, Washington, D.C. 20201. Grantees undertaking projects under government sponsorship are encouraged to express freely their findings and conclusions. Points of view or opinions do not, therefore, necessarily represent official Administration for Community Living policy.</span></font><o:p></o:p></p></td></tr><tr><td style='padding:7.5pt 0in 15.0pt 0in'><p align=center style='text-align:center'><font size=2 face=Arial><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>SUBSCRIBER SERVICES:<br>You are currently signed up to receive messages from SHIIP/SMP. Manage your subscription preferences, unsubscribe or get further help:<br><a href="https://links-1.govdelivery.com/CL0/https:%2F%2Fpublic.govdelivery.com%2Faccounts%2FIACIO%2Fsubscriber%2Fedit%3Fpreferences=true%23tab1/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/ZBj302V17Jzi9ErUxdqAkpNWTWrauXUODscYon61Syw=377" title="Manage Subscriptions">Manage Subscriptions</a> | <a href="https://links-1.govdelivery.com/CL0/https:%2F%2Finsights.govdelivery.com%2FCommunications%2FSubscriber_Help_Center/1/01000192e3172c3d-c9b6d7ce-1eba-46c9-bc63-f39b4daa0e7c-000000/q1tp2d0uwMSRKZJRRiDPNvkG_TUw-t5eqAI47-EI38U=377">Help</a><o:p></o:p></span></font></p></td></tr></table></div><p><font size=3 face=Aptos><span lang=EN style='font-size:12.0pt'> <o:p></o:p></span></font></p></div><div id=tagline><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td valign=top style='padding:0in 7.5pt 0in 7.5pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=right width="100%" style='width:100.0%;border-collapse:collapse'><tr><td colspan=2 valign=top style='padding:7.5pt 0in 0in 0in'><div class=MsoNormal align=center style='text-align:center'><font size=3 face=Aptos><span style='font-size:12.0pt'><hr size=2 width="100%" align=center></span></font></div></td></tr><tr><td valign=top style='padding:7.5pt 3.75pt 7.5pt 0in'><p class=MsoNormal><font size=1 color="#757575" face=Arial><span style='font-size:7.5pt;font-family:"Arial",sans-serif;color:#757575'>This email was sent to <a href="mailto:bob.kd0br@gmail.com">bob.kd0br@gmail.com</a> using GovDelivery Communications Cloud on behalf of: State of Iowa · 1007 E Grand Ave · Des Moines, IA 50319 </span></font><o:p></o:p></p></td><td width=95 valign=top style='width:71.25pt;padding:7.5pt 0in 0in 0in'><p class=MsoNormal align=right style='text-align:right'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
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