Ticket to ride. If you still drive, consider issuing "Tickets to Ride" to friends or family members who don't drive any more. Type or hand letter tickets on colorful construction paper. Offer rides to doctor visits, stores, or even to visit out-of-town friends and relatives. If you are handy with the computer and want fancier artwork, do an online search for "free ticket artwork." You can find a number of free images that you can copy for your own use. .Estimate healthcare cost increases of at least 7% to 10% a year. Recently there has been news of a slowdown in healthcare costs. While that's good, overall Medicare costs still increased about 6 percent and in the past two decades the rate of increase was often about 10 percent per year. To keep a lid on your costs, make sure you compare health and drug plans annually during the Medicare Open Enrollment period that starts October 15th and ends December 7th every year. Switch when you can find a better plan. .The Senior Citizens League is pleased that key Social Security bills like the four mentioned above will be re-introduced early in the 116th Congress, and we look forward to building momentum for them on Capitol Hill in the months ahead. For progress updates or for more information on these important bills, visit our website at . .Example: Let's say Sally had a Social Security benefit of ,000 in 201The Part B premium that year was 4.90. In 2016 there was no COLA, and Sally continued to receive ,000. But the Medicare Part B premium in 2016 increased to 1.80 per month. Sally's Part B premium was adjusted downward and she continued to pay the same 4.90 Medicare Part B premium that she paid the previous year, to prevent a reduction in her Social Security benefits in 2016. .Action on Capitol Hill was slow this week as Members of Congress remained in their home states and districts to prepare for the November 6th election. They are not expected to return to Capitol Hill until after the Veterans Day holiday, on Tuesday, November 13th. TSCL would like to remind you that many Members of Congress will attend local events or hold town hall meetings in the upcoming weeks, giving voters an excellent opportunity to voice their concerns. We encourage you to approach your Senators and Representatives to request their support for fair cost-of-living adjustments and other key issues. .Social Security Administration data indicate that, since 2000, the ESF grew at an unprecedented pace. According to TSCL's new report since 2000, the SSA has received, on average, 8.8 million suspicious wage reports annually. Cumulative wages in the ESF since 1980 now total more than .2 trillion, unadjusted for inflation. Wages are of importance because Social Security benefits are based on an individual's earnings record, not the taxes paid in. .Co-pays and coinsurance: This refers to the portion of the cost of services that you pay out-of-pocket. Co-pays are a fixed amount that you will pay for each service. For example, in a Medicare Advantage plan, you may be billed a co-pay of to see a primary care physician and to see a specialist. On the other hand, coinsurance is a variable amount. It is a percentage of the cost of the service. Theoretically if the total cost of the service is ,000 and you pay 20% coinsurance, your cost could be about 0. Under Medicare Advantage your health plan negotiates the cost of service, thus you would want to call your plan to get an idea what your total out-of-pocket costs would be, and whether your provider is a preferred provider. Under most Medigap policies, the Part B co-insurance cost is covered in large part, but there still could be some "excess charges" that you pay out of pocket. .There's hardly anyone who isn't feeling the effects of our "Great Recession." We've learned of seniors sharing depression-era survival techniques with younger family members. Meanwhile their Baby Boomer children nearing retirement wonder if they'll ever have enough money to retire. .Eight Questions You Should Always Ask Your Doctor