When you turn 65, there are a number of important decisions you must make. These may include whether to enroll in Medicare Part B, join a Medicare Prescription Drug Plan, buy a Medigap policy and/or keep employer or retiree coverage. It is important that you understand your choices. This may help you avoid paying more than you need to for Medicare Part B and other insurance, as well as to get the coverage that is best for you.

Call (800) MEDICARE (1-800-633-4227) and ask for a free copy of "Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare." You also can pick up a copy of the Medicare Shoppers Guide at 907 N. 10th St., or visit www.medicare.gov on the Web. Under "Search Tools," select "Find a Medicare Publication."

Group health plan coverage is coverage offered by many employers and unions for current employees or retirees. You also may get group health plan coverage through a spouse or family member's employer. If you have Medicare and you are offered coverage under a group health plan, you can choose to accept or reject the plan.

Your decision depends on the terms of your specific plan. Your or your spouse's employer or union might not provide any health coverage after you retire. If group health plan coverage continues to be available after you retire, it might have different rules and might not work the same way with Medicare.

First, find out if you can continue your employer coverage after you retire. Note that employers aren't required to provide retiree coverage, and they can change the benefits or premiums, or even cancel the coverage.

Second, find out what happens to your retiree coverage when you are eligible for Medicare. For example, retiree coverage might not pay your medical costs during any period in which you were eligible for Medicare but didn't sign up for it. When you become eligible for Medicare, you may need to enroll in both Medicare Part A and Medicare Part B to get full benefits from your retiree coverage.

Caution: Generally, when you have retiree coverage from an employer or union, they control this coverage. They may change the benefits or the premiums and also can cancel the coverage if they choose.

Scheduled activities

Thursday: TOPS will meet at 8:30 a.m. Art class will meet at 10 a.m. Ambassador Singers will practice at 1 p.m.

Friday: Walking Club meets at Long Park at 8:30 a.m. Check-in/out for the Craft Shop is from 10 a.m. to 1 p.m. STEPS exercise classes are at 10:30 a.m. St. Catherine Hospital will offer a health services nurse to do screenings from 10:30 to 11:30 a.m. Bridge is played at 1 p.m.

Saturday: The pool room will be open from 1 to 4 p.m.

Sunday: Duplicate bridge is played at 1:30 p.m.

Monday: Walking begins at Stevens Park at 8:30 a.m. STEPS exercise classes are at 10:30 a.m. Humdinger Band will meet at 12:30 p.m. Double pinochle is played at 1 p.m. The Retired Senior Volunteer Program board will meet at 1:15 p.m. Upbeats will practice at 3 p.m. Duplicate bridge is played at 7 p.m.

Tuesday: Pitch is played at 12:45 p.m. Duplicate bridge begins at 1:15 p.m. The Senior Association Board will meet at 2 p.m. Bridge is played at 7 p.m.

Aug. 19: Line dancing is at 8:30 a.m. Pinochle is played at 1 p.m. The Sewing Group meets at 1 p.m. (bring your project and join other "sewers"). The Senior Citizens Association will host a dance from 7:30 to 10:30 p.m. The band playing is "Craig Stevens." Bring finger food for the break.

Lunch menus

Lunch is served at noon.

Thursday: Chuckwagon steak with bun, potato wedges, cucumber and onion salad, pineapple.

Friday ("Fresh Fruit Friday"): Sausage and gravy biscuit, mashed potatoes, tomatoes, pears.

Monday: Baked ham, cauliflower and pears, gingered carrots, pineapple, whole wheat roll.

Tuesday: Salisbury steak, mashed potatoes with gravy, fresh spinach salad, bread pudding with lemon sauce, cherry muffin.

Aug. 19: Spaghetti and meat sauce, tossed salad, beets, peaches, French bread

Snooker tournament

Attention snooker players: A Double Elimination Snooker Tournament will be held Aug. 20 at 907 N. 10th St. Drawing for position begins at 1 p.m.

Prizes will be given for first, second and third places. The public is invited. Cost is $2.

Visit the Senior Center of Finney County Web site at www.seniorcenterfc.com.