Because of the coronavirus, however, the BLS has been unable to gather much of the information from those two categories. Therefore, although they do not use the word, they are going to guess at those costs. It may be an educated guess, but it is still a guess, nonetheless. .Earlier this year, a Congressional report referred to the AARP as a "massive for-profit enterprise" whose financial structure "conflicts with its legal requirements to ‘primarily operate to promote the common good and social welfare of a community of people.'" .TSCL is hopeful that lawmakers will successfully repeal and replace the SGR by the end of this year since doing so would bring increased stability to the Medicare program for both doctors and patients. However, we are opposed to offsets that would reduce Medicare benefits or require seniors to pay more for their health care, and we firmly believe that beneficiaries should not be penalized for the poor policy-making decisions that were made by Congress more than a decade ago. .Take all your prescriptions, vitamins, and supplements with you on your next visit to the doctor. Find out whether you still need to take them all and if there is a less-expensive brand name or generic you can try before settling on new medications. .Fraud is so prevalent that prevention is only part of the solution. One in 20 seniors in the U.S. is a target of fraud schemes. Yet, the National Adult Protective Services Association has found that only one in 44 seniors report that they are victims of a fraud scheme, suggesting seniors lack information on how to file a complaint. . Zero premiums are also likely to end very soon. If Congress should cut reimbursements to plans as has happened in the past, some plans may respond by no longer offering coverage at all. Should Paula enroll in a Medicare Advantage plan and her plan ceases to offer coverage in the future, Paula could have problems finding something comparable that she could afford. .Where do you want to live and how will you get around? Do you plan to stay where you are, move to senior housing, or someday move in with family? Is it cheaper to rent or to buy? If you own a home, will your financial plan cover the annual maintenance and inevitable upkeep and repairs such as painting or replacing a roof? Will you have access to public transportation if you can no longer drive or afford a vehicle? Look for local workshops that review the types of housing options in your area for people over 60. .Assistance in paying for low cost home weatherization to make your home more energy efficient. .At Thursday's hearing, Social Security Subcommittee Chairman Sam Johnson (TX-3) and Ranking Member John Larson (CT-3) both spoke about how their Social Security reform bills would improve the program's financing. Chairman Johnson's bill – the Social Security Reform Act – would do so primarily through benefit cuts, while Ranking Member Larson's bill – the Social Security 2100 Act – would do so primarily through revenue increases. Mr. Goss confirmed that both bills – using two very different approaches – would return the program to 75-year solvency if adopted.