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Dottie Meyer

Gardening, Grandkids and Medicare

Dottie Meyer is a genuine baby boomer. She’s active, helps care for her grandchildren, loves gardening

and continues to work part-time. Dottie’s lifestyle is a true representation of her generation.

Turning 65 used to mean retirement, but baby boomers are starting to question if that’s really in their best interest. Many studies report older Americans who work part-time feel a greater sense of purpose and fulfillment. And, having a little extra income never hurts.

Dottie works at Manderfield’s Bakery in Appleton. She likes being part of a family-run business and an operation that is well-known for its delicious baked goods. But, she explains her favorite part of the job isn’t really the cookies or cakes—it’s the people. Her interactions with co-workers and customers are what keep things interesting. It’s the big reason she enjoys her work.

When Dottie turned 65, she decided she wasn’t ready to retire. But, she still had some planning to do. Instead of being covered by her employer’s insurance, she wanted to find a Medicare plan that best fit her needs. So, Dottie did what most people would do—she asked her kids.

Being new to Medicare, Dottie’s daughter

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How One Boomer’s Life Redefines 65

Lorian thought it was important to sit down with an agent. Lorian knew that an independent agent would help explain the basics of Medicare and answer their questions. The agent could also help them review a lot of different plans at once.

Shopping for health insurance can be stressful. You want to make sure you’re taking everything into consideration. Monthly premium payments are always important, but you shouldn’t have to sacrifice coverage or service. And, service was especially important to Dottie. As a Manderfield’s employee, she had gotten used to working with her Network Health account representative, Stacie Park.

Lorian, Alivia and Dottie

when Dottie turned 65, she decided she wasn’t ready to retire.

2 | ConCierge NetworkHealthMedicare.com

eDitorial staff

President Sheila Jenkins

ChiefAdministrativeOfficer Penny Ransom

PublicationsCoordinator Cassie Goodman

GraphicDesigner Debra Sutton

eDitorial boarD Marcia Broeren, Joan Merwin, Angie Keenan, Jeanne Skinner, Melanie Draheim, Dawn Rady, Deborah Anderson, Renee Corral, Barb Gore, Chuck Rynearson

Concierge is published quarterly by Network Health. The health information contained in Concierge is meant to supplement, not replace, the advice of health care professionals.

© 2013 Network Health Insurance Corporation. No portion of this newsletter may be reproduced without written permission from Network Health Insurance Corporation.

Network Health Insurance Corporation is a Medicare Advantage organization with aMedicare contract.

life

tell Us what YoU think Thank you for your comments about the last issue of Concierge. Please continue to email your feedback to concierge@networkhealth.com.

YoU can also write to UsNetwork HealthAttention: Cassie Goodman1570 Midway Pl., Menasha, WI 54952

continued from page 1 »

“Anytime I had a question, she would answer it, or if she needed to look into it, she’d get back to me within a couple of hours. She always followed-up. That kind of personal attention was very impressive to me.”

Stacie Park has been an account representative for 15 years. Her view of customer service is simple. She says, “Insurance can be confusing. That’s why it’s important our members get fast and friendly service.”

Dottie knew she couldn’t give up that type of attention. Plus, Network Health’s Medicare Advantage PPO plans offered quality coverage and low premiums. After considering all of her needs, Network Health came out as the clear choice.

“I also like that my Network Health Medicare plan covers my gym fees. And now that I’m working part-time, I’d like to try and take advantage of that.”

For Dottie, finding time to work out could still be a challenge. Her four grandchildren can keep her pretty busy. And, as the weather starts to get warmer, she’ll be spending a lot of time tending to her flowers. Gardening is one of Dottie’s passions—it started at a young age.

“I learned a lot from my mother, she was one of the best gardeners I’ve ever known.”Now, Dottie is passing her knowledge on to the next generation. Her granddaughter,

Alivia, likes to help her in the garden. Mostly, they grow flowers (petunias, hydrangeas and peonies are some of their favorites), but occasionally there are tomato and green pepper plants too.

Dottie picks up Alivia from school and watches her until Lorian gets home from work. “The cost of child care is so expensive; it’s nice to be able to help out.” Plus, spending time with Alivia means another pair of helping hands in the garden.

Gardening is one of Dottie’s passions–it started ata young age.

Quick tip for better bloomsDottie’s real pride and joy of the garden is her hibiscus. to get more blooms on the plant, make sure to cut back in early spring and continue to pinch the branch tips throughout the season.

ConCierge • Spring 2013 | 3

1 I’m not overweight; I don’t really need to exercise. Research shows that exercise can help lower your risk of type 2

diabetes, heart disease, stroke, high blood pressure and high cholesterol. So even if you’re lucky enough to stay thin without exercising, physical activity can make you healthier and help you live longer.

2 I haven’t been feeling too great; I should stay home and rest. Actually, if you’re not feeling great, then you really should hit the

gym. Research suggests exercise can boost your immune system, as long as you don’t overexert yourself. Exercise is good for your mood, too. When you exercise, the serotonin (a mood-boosting chemical) level in your brain increases, and this can make you happier and more focused. Daily exercise can also help ward off depression.

choosing a Doctor that’s right for You

NetworkHealthMedicare.com

The real challenge in getting healthy isn’t physical, it’s mental.

What can a primary care physician do for you?• Superviseyourmedicationsandmakesuretherearenoharmfulinteractions.• Beaprimarycontactwhenhealthconcernsarise.• Makerecommendationsaboutthebestspecialistsforyou.• Keepyourhealthrecordsinasingle,centrallocation.

According to the Robert Wood Johnson Foundation, counties with the highest number of primary care doctors are also the healthiest. When choosing a primary care physician, keep the following questions in mind.

How do I choose one?• Whattypeofdoctorwillbestfitme(familypractice,generalpracticeorinternal medicine)?• Isthedoctorcredibleorboardcertifiedinhisorherspecialty?• Isheorshespecializedinmorethanonearea?• Isthedoctorinmyhealthplan’snetwork?(Tofindalistofdoctors,seeourProvider Directory or go to NetworkHealthMedicare.com and use the Find a Doctor tool.)• Whatarethedoctor’shours?• Isthedoctor’sfacilityeasilyaccessible?• Whofillsinwhenthedoctorisnotavailable?• Whatisthedoctor’spersonalitylike,andcanIseeusdevelopinga good relationship?

We all have our favorite excuses for not exercising—I’m too tired, it’s boring or I don’t have time. Most Americans struggle to find the motivation to make physical activity part of their schedule.

The key to following through is making exercise a habit. But, that can be pretty challenging. Here are some persuasive reasons to help you give up the excuses and start making exercise a priority.

Have you wondered why people at Network Health keep asking, “Do you have a primary care physician?” Well, we want to make sure you’re getting the best

care possible. And a primary care doctor is an important part of that.

and why you shouldn’t use them.

are you a korean war vet? Join network health in the upcoming appleton flag Day parade. to learn more, contact troy westphal at 920-720-1206.

Top5ExcusesforNot WorkingOut

Network Health evaluates new technologies and applications of existing technologies on a regular basis. This includes evaluating medical procedures, drugs and devices. New technologies are reviewed by a group of participating physicians and health plan staff who make recommendations for inclusion as a covered benefit. The review process also includes the evaluation of information from government regulatory bodies and published scientific evidence.

Fast Fact

3 It doesn’t make a difference if I exercise or not. I always stay the same size. It can be more difficult for some people to lose weight. But,

regular exercise is good for your waistline even if it takes awhile to notice the results. And once you start to increase your muscle mass, your body will burn more calories even when you’re at rest.

4 I don’t want to risk getting injured. Talk with your doctor about what type of activities you should do. Initially, you may feel weak or sore after your first exercise. As

your body grows stronger, this will change if you are consistent with your exercise plan. Over time, you will build muscle tone, gain flexibility and have better balance.

5 It’s too expensive. A gym membership can be pricey, but Network Health includes a health club membership benefit with every Medicare Advantage

plan. This means you can get reimbursed up to a certain amount, by Network Health when you join and regularly visit your local YMCA® or gym. See page 7 for details about an exclusive event we’re hosting at the YMCA. Plus, don’t forget there are plenty of exercises that cost nothing. Walking, gardening and hiking are just a few.

4 | ConCierge NetworkHealthMedicare.com

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120/80 or below

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Prehypertension

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TriGlyCEriDEs

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type of cholesterol

Goal borderline high high

Total Below 200 200-239 240 or higher

LDL (“bad”) Below 100 100-159 160 or higher

HDL (“good”)Women: 50 or higher

Men: 40 or higherWomen: below 50

Men: below 40N/A

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nearorabovegoalLess than 150 mg/dL

high200-499

Veryhigh500 or above

borderlinehigh150-199

WhenspringCleaning, Don’tForgetthemedicineCabinetDo you have drawers or medicine cabinets full of medications you

no longer need? If you do, you’re not alone. Why do so many people hang on to old prescriptions? Perhaps you think you

might need the prescriptions in the future, or you simply haven’t taken the time to get rid of them. No matter the reason, it’s always best to get rid of old, expired medications. When you’re cleaning your cabinets this spring, consider these answers to common questions about unused prescriptions.

vHow long is a drug good for? While prescription drugs have an expiration date, there’s really no way of knowing if the drug is still 100 percent effective. The expiration date is only accurate for drugs kept in the original, unopened bottle. Once the bottle has been opened, the drugs are exposed to moisture which often causes them to expire faster.

vWill it hurt me to use an expired drug? You can’t know for sure if you will be harmed by taking an expired drug. While most outdated drugs won’t cause harm directly, they can lose their potency and ineffectively treat your condition. If you’re ever in doubt, always get a new prescription if it’s needed again, rather than take the risk of using an old one.

vIs there a good reason to keep an old prescription? There’s no good reason to hold onto expired drugs. Medications are prescribed very specifically for your condition and individual situation. Even if you, or someone you’re tempted to share with, have similar symptoms, the old prescription might not work or be safe for your current condition.

vAre there risks that come with hanging on to old medications? Yes. Abuse of other people’s prescription drugs is a growing problem not only on a national level, but locally as well. Leaving old medications lying around the house is a temptation that could lead to tragedy. Even if you trust family members not to take any of the old medications, you never know if a visitor will be tempted.

Fox ValleyAppleton Police Department222 S. Walnut Street Appleton, WI 54911Open 24 hours a day, seven days a week

Oshkosh Safety Building420 Jackson Street Oshkosh, WI 54901Open 24 hours a day, seven days a week

Fond du LacCity of Fond du Lac Police Department126 N. Main StreetFond du Lac, WI 54935Open 24 hours a day, seven days a week

SheboyganSheboygan Police Department1315 N. 23rd StreetSheboygan, WI 53081Open 24 hours a day, seven days a week

You can get rid or unneeded or old prescriptions by dropping them off at the following locations.

Manitowoc Manitowoc Police Department910 Jay StreetManitowoc, WI 54220Monday - Friday, 7:30 a.m. - 4:30 p.m.

ConCierge • Spring 2013 | 5NetworkHealthMedicare.com

A s health care costs rise, many people try to avoid visiting their doctor. Unfortunately, this can lead to an increase in your out-of-pocket expenses. Why? Because certain screenings, shots and vaccines

can help you stay healthy and avoid getting sick. The U.S. Preventive Services Task Force (USPSTF) provides recommendations for such preventive care measures and you can view these guidelines by visiting NetworkHealthMedicare.com. Click For Providers at the top of the page and then click on Clinical and Preventive Guidelines near the bottom. We’ve also created a preventive health checklist so you can easily see what’s covered by Medicare. To get the checklist follow these steps.1. Visit NetworkHealthMedicare.com and click Member’s Corner.2. Select Discover Healthy Benefits. Click on the Preventive Health Checklist box. You can print this helpful checklist and use it to keep track of your annual services and screenings. If you don’t have access to the internet, you can call our condition management department at 920-720-1655, and we’ll send a checklist to you. We’re available Monday through Friday, 8 a.m. to 4 p.m.

an ounce of prevention is worth a pound of cureColorectal Cancer Screenings

Starting at age 50, it’s important to complete colorectal

cancer screenings every 10 years. These screenings are effective for early detection and could help save your life. Colonoscopies are common, painless procedures that use a tiny camera to examine the colon and rectum. During the exam, your doctor will check for polyps or other problems. If your doctor finds a polyp, it can often be removed during the procedure. If you are due for a colorectal cancer screening, don’t put it off. Medicare will cover this screening for people age 50 or older every 10 years. If you have any questions about your coverage or benefits, call your health care concierge or customer service at 800-378-5234, 8 a.m. to 8 p.m. , Monday - Friday (TTY 800-947-3529).

what’s that? Polyp This is a small growth. Colon polyps are usually non-cancerous.

Protect Your Health and Wallet

Nobody likes talking about urinary incontinence, not even with their doctor. But, millions of Americans are affected by a loss of bladder control. It is a common health problem, and it is treatable.

It may be uncomfortable to discuss this topic, but your doctor needs to know if you are experiencing discomfort. This will help him or her prescribe the most appropriate treatment. The National Association for Continence (NAFC) also reports that about 80 percent of people affected by urinary incontinence can be cured or notice an improvement with treatment. It is important to seek treatment because urinary incontinence can be a symptom or sign of another health problem. In other cases, simple dietary changes or exercises can help stop urinary incontinence. If you answer yes to one or more of the below questions, please call your doctor to set up an appointment.

Start the Conversation and End the Embarrassment

Taking control of this issue will help protect your health and end the embarrassment.

1 Haveyouleakedurinewhilecoughing,sneezing,liftingsomethingheavy or exercising?

2 Have you had the urge to urinate but couldn’t get to the toilet in time?

3 Have you leaked urine even though you didn’t have an urge to urinate, and you weren’t performing any physical activity?

turning in old medications helps ensure harmful chemicals and toxins don’t pollute the environment or pose health hazards.

To help you be and stay healthy, use the checklist below to make sure you are receiving these important preventive services. Every service with a 3 is $0 in-network with a Network Health Medicare Advantage (PPO) plan.

$0 in-network Preventive Service

Date Completed When will I need it again?

Annual flu shotRecommended for everyone

You’ll need the shot every year.

Pneumonia vaccineRecommended for everyone

Most people only need this shot once in their lifetime, but ask your doctor for specific recommendations.

Mammogram screeningRecommended for women ages 40-75

Ask your doctor. Medicare will cover the test once a year (11 full months must pass before the test is covered again).

Colorectal screeningRecommended for men and women ages 50-75

Ask your doctor. For people with a high risk of cancer, Medicare will cover it once every two years.

Glaucoma screeningRecommended for everyone

Ask your doctor. For people with a high risk of glaucoma, Medicare will cover it once a year.

Bone density testRecommended for those at an increased risk for broken bones. This test is especially important for women who recently had a fracture.

Ask your doctor. Medicare will cover it at least once every two years (or more often, if medically necessary).

Annual doctor visitRecommended for everyone At the visit, make sure to ask your doctor about the following. • How can I maintain or improve my physical health? • How is my blood pressure? • What is the best way to monitor my physical activity? • What steps do I need to take to maintain or improve my mental health? • After an injury or fall, what steps should I take to protect my bone health?

One preventive visit is recommended and covered every year.

Cardiovascular screeningRecommended for everyone. This screening should include tests for cholesterol, lipid and triglycerides.

Ask your doctor. Medicare will cover it once every five years.

Cervical and vaginal cancer screening.Recommended for all women.

Ask your doctor. Medicare will cover it at least once every two years (or more often if medically necessary).

Prostate cancer screeningRecommended for men.

Ask your doctor. Medicare will cover once a year.

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Network Health supports the national initiative, Million Hearts™. You can learn more about it at www.millionhearts.hhs.gov. You’ll find helpful tools like the Blood

Pressure Calculator and My Life Check that can help you manage your heart health. If you’d like more information about our commitment, call our condition management department at 920-720-1695. We’re available 8 a.m. to 4 p.m, Monday - Friday.

help Us prevent 1 million heart attacks and strokes over five Years

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wellness

Forgetting where you put your keys is normal, but it’s also inconvenient. That’s why many Americans are seeking ways to improve their memory. The brain is just like any part of your body; if you work it out, it gets

stronger. You can prevent memory loss and reverse declining brain function by making the following smart choices.

staysocial. Because many older Americans live alone, they often experience feelings of loneliness or isolation. This causes emotional and mental stress which leads to memory loss. One of the best things you can do for your memory is to spend time with others. When family or friends ask you to dinner, accept their invitation. And, you may want to consider signing up for a book or gardening club. It can be helpful to have a standing social appointment on your calendar.

beactive. Physical activity isn’t important just for your body; it’s great for your mind, too. As little as 10 minutes a day can help. And if you really want to see results, try completing 150 minutes of moderate activity each week, as recommended by the Department of Health and Human Services. Because exercise pushes blood and oxygen to the brain, you’ll notice memory improvements if you stick with it.

Findyourfocus. It is easy to forget details when you’re trying to do 10 things at once. If you want to sharpen your mental skills, tackle tasks one at a time. This will help you limit distractions and pay better attention. It’s also a good idea to write things down. If you don’t already, use a personal notebook or calendar to record appointments and to-do lists. Always keep your calendar or notebook up-to-date. Eatwell. This tip (just like tip 2) is great for your mind and body. Eating a well-balanced diet will keep you feeling sharp physically and mentally. To really give your brain a boost, include foods

like spinach, blueberries, apples and eggs in your diet. These foods contain essential vitamins and antioxidants that can increase brain function. Blueberries are especially good at fighting age-related memory loss.

Drinkredwine. According to a Mount Sinai School of Medicine study, an antioxidant present in red wine reduces the risk for Alzheimer’s.Thismaybethemostenjoyabletiponthelist,justmake sure you’re drinking it in moderation and you discuss it with your doctor. The general recommendation is one glass each day for women, while men can have up to two.

Getenoughsleep. It’s no secret—your mind works better if you’re well rested. When you’re tired, your memory may suffer. To improve brain function, it is important to get seven to eight hours of sleep each night.

Exerciseyourbrain. Giving yourself mental challenges can stop declining brain function. “To stay sharp, your mind needs regular workouts in creative thinking, problem solving and intellectual focus. To stretch and exercise your brain, choose an activity you enjoy—reading,playingcardsordoingcrosswordpuzzlesaresomegoodexamples,” says Christine Junge, editor of Harvard Health Publications. If you’re up for a real challenge, she also suggests learning a new language or picking up a musical instrument. Whatever you choose, the key is to stay with it.

Getstartednowbytryingthecrosswordpuzzlebelow.Ifyouwanttocheck your answers, visit NetworkHealthMedicare.com and click the Concierge issue at the bottom of the page.

7 simple Ways to brainPower

Boost

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across2. You can increase this by limiting distractions.6. A commonly misplaced item, no matter what your age.9. Provide your brain with these to stop declining function and prevent memory loss.11. A simple way to get the nutrients your brain needs, make sure to look for the ones specifically formulated for older adults.

Down1. An exercise that is known to help you increase strength, flexibility and ease stress.3. When you don’t get enough of this, your creativity, problem solving and critical-thinking skills suffer.4. This skill makes your life run smoother and helps you stay on top of details.5. Fruit that contains antioxidants and helps fight age-related memory loss.7. These types of connections help you avoid anxiety and protect your emotional health.8. Just ten minutes a day of this activity can boost your brain’s oxygen supply, plus your dog will appreciate it too.10. This favorite beverage of the greek god Dionysus can reduce your risk for Alzheimer’s.

BRAIN BoostER

Created by Puzzlemaker at DiscoveryEducation.com

ConCierge • Spring 2013 | 7NetworkHealthMedicare.com

We believe good citizenship is important—that goes for companies, too. So, we’re kicking off the Network Health

Medicare Ambassador Program. Our ambassadors are Carol Sybeldon, Thomas Moon, Donald Bongers, Calvin Knaide, Sharon Kennedy, Marilyn Kramer, Judy Schneider and Robert and Lois Pflum. This new group of members and staff will work together to build stronger communities across northeast Wisconsin. By completing community service, organizing events and connecting people, the ambassador program will help promote good mental, physical and social health. We want to provide opportunities to give back to our area, and the ambassador program will help us achieve that goal. If you would like more information about the program, or you’re interested in becoming an ambassador, please call us at 800-378-5234 (TTY 800-947-3529). We’re available Monday through Friday, 8 a.m. - 8 p.m.

Join Us and Make a Difference

Last spring we introduced you to Network Health Medicare Advantage (PPO) member, Sharon Kennedy.Werecentlychecked in with Sharon and we’re happy to report she continues to use her fitness benefit every month. Sharon is a great example of healthy living and we are pleased to have her as a Network Health Medicare Ambassador.

Join us at the Heart of the Valley YMCA for tours, activities, giveaways and exercise demonstrations.

We’ll help you find motivation to get active and learn more about how to use your health club membership reimbursement benefit. This event is designed exclusively for Network Health Medicare Advantage PPO members, who will be admitted to the YMCA of the Fox Cities at no charge.

network health member Day at the Ymca

Other health club providers are available in our network.

when wednesday, may 29, 9 a.m. - 11 a.m.where heart of the Valley Ymca 225 w. kennedy ave., kimberly, wi 54136

fill out and bring this voucher to our network health member Day at the Ymca to receive your complimentary pedometer, tote bag and more.*

Name ______________________________________________________________________________________________________________

Address ____________________________________________________________________________________________________________

qI’m interested in getting email reminders about Network Health Medicare programs and extras.

Email Address _______________________________________________________________________________________________________ __________________________________________________________________________________ *Giveaways available while supplies last.

Where is She Now? at the event, you’ll also enjoy:•Atourofthefacilityand equipment•Refreshmentsandhealthysnacks• Strengthandbalanceexercises•AccesstoNetworkHealth nurses on-site• Educationalhealthand fitness materials

We’re looking forward to meeting you and getting fit at the same time. See you there.

tired of too much mail? You’ll soon be able to sign up to receive some of your Network Health materials electronically. Watch for more information this summer.

HeALTH oR WeLLNeSS oR PReVeNTIoN INFoRMATIoN

1570 Midway Place, Menasha, WI 54952

Health Care Concierge Your personal Network Health customer service representative. You can always call this person directly.

what’s that?

T r i C i A K n i s P E l

If you’ve talked with Tricia, you probably noticed and appreciated her upbeat personality. Though your conversation may have been over the phone, you’d guess she was smiling—and you’d be right.

Tricia is an optimistic health care concierge who has been with Network Health for over four years. She genuinely cares about each of her members and is determined to always answer questions in a way that’s easy to understand.

Q: How did Tricia begin her career as a health care concierge?a:TriciaKnispelworkedforadifferenthealthplanbeforejoining Network Health. In December of 2008, she gladly accepted Network Health’s offer to join the health care concierge team.

Q: What does Tricia enjoy most about her job? a: “I couldn’t see myself doing anything else,” Tricia says. “I know I’ve found my calling.” She explains it is easy to come to work every day when you know you’re helping people. The part she enjoys the most is the satisfaction she gets from knowing she made a difference in someone’s day.

Q: Are there any challenges as a health care concierge? a: “The biggest challenge is when things are out of my control.” When a member calls Tricia and is surprised to find out something isn’t covered, she says she just wishes she could change Medicare’s rules. Of course, Tricia can’t really do that, and her members understand.

Q: How is Network Health different from other places you’ve worked?a: “There is a real focus on the members, and that comes from our

leadership.” Tricia previously worked for a large company with a huge call center. “At my old company, members just weren’t the priority; it’s completely different at Network Health.” Tricia enjoys working for a company where the management values members and puts them first. She explains how motivating it is to see Network Health Vice President Marcia Broeren get involved with issues concerning individual members. “You just wouldn’t see that anywhere else.”

Q: Where was the last place Tricia vacationed?a: This past summer, Tricia visited Hershey, Pennsylvania. She loves

hitting the open road, so she packed up the car and enjoyed the scenic drive through the Allegheny Mountains. While she was there, she visited the Gettysburg museum and battlefields, the Flight 93 memorial and attended the Farm-Aid concert.

Q: How does Tricia spend her free time?a: Tricia’s spends most of her time with her children. She has a 16-year- old daughter, Telisha, and a nine-year-old son, Jayce. They love to travel together, and she promised she would take them on a trip once a year. Tricia also enjoys riding her motorcycle. So as the weather gets nicer, make sure to keep an eye out. You may just see Tricia riding around on her Harley.

meetTriciaKnispelTohelpyougettoknowyourhealthcareconciergealittlebitbetter,watchforafeatureonadifferentconciergeineveryissueofournewsletter.

haveyoulikedusonFacebook?Check out our Facebook page at www.facebook.com/networkhealthwi and like us while you’re there. When you click Like, our posts will appear in your newsfeed and you’ll have access to helpful health and wellness tips. You’ll also see reminders about special discounts for our members.

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i couldn’t see myself doing anything else. i know i’ve found my calling. – Tricia Knispel, Health Care Concierge

telisha and tricia

tricia and

Jayce