Click Here for Additional Stock

Originally posted at: Heather Dubrow’s Denim Mini Dress

Are you ready to embark on a journey of discovery and adventure? Whether you’re a seasoned traveler or someone seeking new horizons, let’s discover a few hidden gems and unique destinations found in the USA.

Get ready to step off the well-trodden path and embrace new experiences as we delve into these lesser-known treasures.

1. Door County, Wisconsin – Located on a peninsula between Lake Michigan and Green Bay, Door County boasts picturesque lighthouses, charming small towns, wineries, and beautiful coastal scenery.
2. St. Augustine, Florida – As the oldest continuously inhabited European settlement in the United States, St. Augustine is rich in history and offers cobblestone streets, Spanish architecture, museums, and lovely beaches.
3. Taos, New Mexico – Nestled in the Sangre de Cristo Mountains, Taos is an artistic and cultural hub with a vibrant art scene, adobe architecture, the Taos Pueblo (a UNESCO World Heritage site), and scenic landscapes.
4. Bar Harbor, Maine – Located on Mount Desert Island, Bar Harbor is a coastal town that serves as the gateway to Acadia National Park. It offers stunning ocean views, hiking trails, and delicious seafood.
5. Moab, Utah – Known as the adventure capital of Utah, Moab is surrounded by breathtaking red rock formations, including Arches National Park and Canyonlands National Park. It offers hiking, mountain biking, and off-roading opportunities.
6. Marfa, Texas – Located in the remote desert of West Texas, Marfa is a small town known for its rich arts scene and unique installations like the Prada Marfa art installation. It offers a quirky atmosphere, galleries, and spectacular sunsets.
7. Hana, Maui, Hawaii – Situated on the eastern coast of Maui, Hana is a secluded and lush paradise with scenic drives, waterfalls, black sand beaches, and a slower pace of life. It’s a perfect place to unwind and enjoy natural beauty.
8. Eureka Springs, Arkansas – Tucked away in the Ozark Mountains, Eureka Springs is an enchanting Victorian town known for its preserved historic architecture, vibrant arts community, and healing springs. It offers a relaxing and artsy retreat.
9. Orcas Island, Washington – One of the San Juan Islands, Orcas Island is a serene and idyllic destination with pristine forests, sparkling lakes, and gorgeous mountain views. It offers hiking trails, whale watching, and a tranquil island experience.
10. Bisbee, Arizona – Nestled in the Mule Mountains, Bisbee is a quirky and artistic town with a rich mining history. It features colorful buildings, art galleries, unique shops, and offers a bohemian atmosphere in a beautiful desert setting.

How to Prepare for an Off-the-Beaten Track Trip

Preparing for a unique trip requires some additional considerations compared to more popular destinations. Here are some key steps to help you prepare.

Research Your Destination

Start by gathering information about the place you plan to visit. Learn about the area and any safety concerns. Search online and websites like Tripadvisor and Lonely Planet.

Plan Your Itinerary

Determine the duration of your trip and create a rough itinerary. Take into account the travel time, transportation options, and the activities you wish to pursue. Keep in mind that offbeat destinations may have limited infrastructure, so plan accordingly.

Read 20 ESSENTIAL TRAVEL APPS FOR WOMEN OVER 60 and use apps on your mobile devices to help you plan.

Pack Appropriately

Pack clothing and gear suitable for the specific environment and activities you’ll be undertaking. Research the local weather conditions and terrain to ensure you have the necessary clothing, footwear, and accessories. It’s also a good idea to pack a basic first aid kit, insect repellent, and any other essentials for the region.

Read 4 HIKING OUTFITS FOR WOMEN OVER 50.

Arrange Accommodation and Transportation

Depending on the destination, accommodation might be limited, so book in advance if possible. Research different lodging options such as guesthouses, bed and breakfasts, or eco-lodges that align with the local atmosphere. Also consider the modes of transportation available and make necessary arrangements such as renting a car or utilizing local transportation.

Stay Informed and Connected

Keep updated with the latest travel advisories and weather alerts for your destination. Make sure to share your travel plans with a trusted friend or family member and have a way to stay connected.

Stay Flexible and Open-Minded

Off-the-beaten-path travel often comes with surprises and challenges. Embrace the spirit of adventure and be open to new experiences. Stay flexible with your plans and allow for spontaneity.

By following these steps, you’ll be well-prepared to embark on a memorable and unique journey. Enjoy the excitement of discovering hidden gems and immersing yourself in unique landscapes.

Why These Destinations

The selection of unique travel destinations in the USA was based on the following factors.

• Reputation as a hidden gem or off-the-beaten-track location.
• Recommendations from travel experts.
• Positive reviews from travelers.
• Unique attractions or characteristics of the destination.
• Overall appeal of the location for women over 50.

By considering these factors, I was able to compile a diverse and interesting list of destinations to offer a range of off-the-beaten-path experiences for the women in our community.

Unique Travel Destinations in the USA

These hidden gems provide a range of experiences for women over 50, from exploration and relaxation to outdoor adventures and natural beauty.

Door County, Wisconsin

Door County is a captivating destination located on a scenic peninsula between Lake Michigan and Green Bay. It enchants visitors with its natural beauty, charming small towns, and beautiful coastal landscapes.

Door County is renowned for its idyllic lighthouses, vineyards, cherry orchards, and stunning sunsets. The area offers a relaxed and welcoming atmosphere, with activities like boating, fishing, hiking, and biking.

Visitors can explore the quaint shops, art galleries, and enjoy local cuisine, including freshly caught fish and delectable cherry treats. With its enchanting scenery and warm hospitality, Door County is a hidden gem that promises a delightful and rejuvenating experience.

Visit the Door County website to learn more about the activities you can find in the area.

St. Augustine, Florida

St. Augustine is a fascinating city rich in history and charm. As the oldest continuously inhabited European settlement in the United States, it offers a glimpse into the nation’s past. The city is adorned with cobblestone streets, Spanish architecture, and well-preserved landmarks.

St. Augustine boasts a lively arts scene, cute shops, and a thriving culinary culture. Visitors can explore historic sites such as the Castillo de San Marcos, the Lightner Museum, and the Fountain of Youth Archaeological Park.

The city also offers pristine beaches, scenic boat tours, and a variety of outdoor activities. With its blend of history, culture, and coastal beauty, St. Augustine is a captivating destination that delights travelers of all ages.

Check out the travel website to find out about all the things to do in St. Augustine.

Taos, New Mexico

Taos is a lovely town nestled in the Sangre de Cristo Mountains, offering a unique blend of art, culture, and natural beauty. Renowned for its artistic heritage, Taos has long attracted creative individuals inspired by its stunning landscapes.

The town features adobe architecture, art galleries, and a thriving arts community. Visitors can explore the historic Taos Pueblo, a UNESCO World Heritage site, to learn about Native American culture and traditions.

Outdoor enthusiasts will appreciate the opportunities for hiking, skiing, and whitewater rafting in the nearby mountains and rivers. Taos also offers rejuvenating hot springs and a vibrant culinary scene, making it a delightful destination for exploration and relaxation.

Have a look at the Visit Taos New Mexico website.

Bar Harbor, Maine

Bar Harbor is a coastal town that serves as the gateway to the stunning Acadia National Park. Nestled on Mount Desert Island, Bar Harbor offers a unique blend of natural beauty, outdoor adventures, and small-town charm.

Visitors can explore the rocky coastline, hike along scenic trails, and enjoy breathtaking views from Cadillac Mountain, the highest point in the U.S. East Coast.

The town itself features small unique shops, art galleries, and delicious seafood restaurants where visitors can savor fresh lobster and other local delicacies.

Bar Harbor also offers boat tours, kayaking, and whale watching opportunities, allowing visitors to immerse themselves in the region’s rich maritime heritage.

Visit the Bar Harbor website to plan your next adventure.

Moab, Utah

Moab is an exciting and unique destination that is known as the adventure capital of Utah. Situated amidst breathtaking red rock formations and spectacular desert landscapes, Moab offers a paradise for outdoor enthusiasts and nature lovers.

The region is famous for its two national parks: Arches National Park and Canyonlands National Park. Visitors can marvel at the iconic Delicate Arch, hike through the dramatic canyons, or go mountain biking on the famous Slickrock Trail. Moab also offers opportunities for off-roading, rock climbing, river rafting, and road trips along the Colorado River.

The town itself has a laid-back atmosphere with charming shops, art galleries, and excellent dining options. Whether you seek adrenaline-pumping adventures or serene desert beauty, Moab is an exceptional destination to explore the wonders of the American Southwest.

For more information check the Discover Moab website.

Read SENIORS GUIDE TO THE TOP 10 U.S. NATIONAL PARKS.

Marfa, Texas

Marfa is a distinctive town located in the remote desert of West Texas. Known for its lively arts scene and intriguing installations, Marfa offers an offbeat and creative atmosphere.

The town’s most famous installation is the Prada Marfa, a permanent art installation resembling a luxury boutique in the middle of the desert. Visitors can explore the numerous galleries, studios, and exhibitions that showcase contemporary art and creativity.

Marfa’s small-town charm is enhanced by its cafes, boutique shops, and adobe architecture. The surrounding desert landscapes provide opportunities for stargazing, hiking, and exploring the vast and awe-inspiring West Texas scenery. For those seeking an unconventional and artistic experience, Marfa offers an enchanting and thought-provoking destination.

Check out the website for more information about this truly unique place.

Hana, Maui, Hawaii

Hana is a secluded paradise located on the eastern coast of the Maui island. Known for its untouched beauty and tranquil atmosphere, Hana offers a serene escape from the bustling tourist areas of Maui.

The scenic Road to Hana, a winding coastal highway, leads visitors through lush rainforests, cascading waterfalls, and dramatic coastal views. Hana’s black sand beaches, such as Wai’anapanapa State Park, are astonishing and provide a peaceful retreat.

The area is rich in cultural heritage, with opportunities to visit ancient Hawaiian temples and learn about traditional practices. Hana is a place where time seems to slow down, allowing visitors to immerse themselves in the natural beauty, relax, and rejuvenate in a truly idyllic setting.

Plan your trip by visiting their website.

Eureka Springs, Arkansas

Eureka Springs is a town nestled in the scenic Ozark Mountains. Known for its Victorian architecture, Eureka Springs exudes a whimsical and historic ambiance.

The town is home to beautifully preserved buildings that house art galleries, boutique shops, and cute bed and breakfasts. Visitors can explore the winding streets and discover hidden gems like Thorncrown Chapel, a stunning glass chapel nestled in the woods.

Eureka Springs is also renowned for its healing springs, which have attracted visitors seeking wellness and relaxation for centuries. The surrounding natural beauty offers opportunities for outdoor activities such as hiking, fishing, and scenic road trips.

Visit the official visitor site for more information.

Orcas Island, Washington

Orcas Island is a tranquil destination located in the San Juan Islands. Known for its unspoiled natural beauty, the island offers a peaceful retreat surrounded by picture-perfect landscapes.

Visitors can explore the lush forests, pristine lakes, and mountain views that make up Orcas Island’s terrain. Outdoor activities abound, including hiking through Moran State Park, kayaking along the coastline, or taking a leisurely bike ride around the island.

Orcas Island is also a haven for wildlife enthusiasts, with opportunities for whale watching and birdwatching. The island features inviting coastal villages with local shops, art galleries, and farm-to-table dining experiences.

Whether you’re seeking outdoor adventures or a tranquil escape, Orcas Island provides an unforgettable and rejuvenating destination in the Pacific Northwest.

Check out the official website for more information about this destination.

Bisbee, Arizona

Bisbee is a gem nestled in the Mule Mountains, offering a unique and bohemian atmosphere. Known for its rich mining history, the town is adorned with colorful buildings, art galleries, and eclectic shops.

Bisbee’s dynamic arts scene attracts creative individuals from all walks of life, contributing to its offbeat and laid-back ambiance. Visitors can explore the historic district with its well-preserved architecture, visit the Bisbee Mining & Historical Museum to learn about the town’s mining heritage, or take a ghost tour to discover its intriguing past.

The surrounding desert landscape provides opportunities for hiking, birdwatching, and exploring the nearby Copper Queen Mine. Bisbee’s quirky charm, friendly locals, and unique setting make it a delightful and unconventional destination for those seeking an authentic Arizona experience.

Browse the Discover Bisbee website to find out more.

Safe travels!

Read 10 WALKABLE CITIES IN THE USA FOR WOMEN OVER 50.

Let’s Have a Conversation:

Have you been to any of these destinations? Do you plan on visiting one of these unique places in the USA? Tell us about it in the comments below.

Medicare is an essential part of healthcare for many older individuals in the United States. When you’ve suffered an injury due to someone else’s negligence, it’s important to understand the financial implications that can arise. That’s where Medicare Set-Asides (MSA) come in. In this comprehensive guide, I’ll explain everything you need to know about MSAs and how they affect your injury settlement.

What Is a Medicare Set-Aside (MSA)?

A Medicare Set-Aside (MSA) is a portion of a settlement fund that is set aside to cover future medical expenses related to an injury. MSAs are required to be used for Medicare-covered items and services. They’re typically funded from a workers’ compensation or personal injury settlement when the recipient is a Medicare beneficiary.

It’s worth noting that it can also be used in liability cases like auto accidents or even malpractice suits, too.

These future medical expenses can also include home healthcare services, which are often crucial to beneficiaries’ ongoing recovery and care. You can learn more about home healthcare under Medicare here.

When Is a Medicare Set-Aside Needed?

MSAs are needed when a person has already enrolled in Medicare or is likely to enroll within 30 months. This only applies to individuals who have applied for Social Security Disability Insurance (SSDI) and are waiting or have End-Stage Renal Disease (ESRD) but haven’t started dialysis yet.

An MSA aims to ensure injured individuals can pay for their ongoing medical expenses while safeguarding Medicare’s financial stability. But when do we say a person is “likely to enroll” in Medicare?

When Are You “Likely to Enroll” in Medicare?

More often than not, this applies to individuals who, due to their disability status or age, can reasonably expect to become eligible for Medicare within a time frame of 30 months. Since an MSA aims to ensure individuals with active treatment can pay for their medical expenses, learning more about MSA requirements straight from the source itself would be wise.

Medicare Set-Aside Guidelines and Regulations

The laws and reporting requirements surrounding MSAs are constantly evolving. Healthcare providers and beneficiaries alike must stay up-to-date on Medicare compliance requirements to avoid the consequences of improper administration.

This is especially true since the Centers for Medicare & Medicaid Services (CMS) is pushing to expand MSAs’ regulations to include all personal injury cases to ensure that Medicare’s interests are always protected in all personal injury claims.

If beneficiaries and providers don’t stay on top of this, there is a high potential for issues like fines, penalties, and potential denial of Medicare coverage. So if you plan on self-administering your WCMSA, keep this in mind.

Funding Options for Medicare Set-Asides

Various funding methods, such as lump-sum payments or structured settlement annuities, can finance Medicare Set-Aside accounts. Structured settlements offer potential cost savings and tax-free interest and can help ensure beneficiaries do not run out of funds. They also offer the flexibility to make payments over time or on a schedule customized to meet injury-related expenses.

In general, the funding method varies based on the specifics of the settlement and the individual’s health status. For example, while a structured settlement is likely more appropriate for a younger individual with a long life expectancy, lump-sum payments may make more sense for older individuals.

Administration and Reporting

Proper MSA administration and reporting require vigilance and attention to detail. Beneficiaries and injury attorneys should keep accurate records and comply with CMS regulations regarding financial reporting and annual expenditure reports, though CMS review is voluntary.

Regardless, as aforementioned, improper reporting can lead to the denial of payment or subsequent recovery from beneficiaries or attorneys, so a CMS review can help to ensure compliance.

Medicare Set-Aside Approval Process

MSAs are voluntary, and the Centers for Medicare & Medicaid Services (CMS) reviews the proposed MSAs for appropriateness. CMS typically recommends review if the proposed settlement exceeds $25,000 and the beneficiary is Medicare-eligible or will become entitled to Medicare within 30 months post-injury.

Medicare Set-Aside Expenditures and Exhaustion

Once a beneficiary exhausts the MSAs funds, they must submit an expenditure report to propose that Medicare should take over coverage for follow-up injury treatments. The CMS may, however, conduct a final audit to ensure that all services were for injury-related medical purposes.

If audited, beneficiaries should make sure to have all documentation to ensure a clean audit.

I also want to note that you must submit annual accounting reports to CMS regardless of whether the funds are exhausted.

Tying Things Up

Medicare Set-Asides are often an essential part of personal injury claims, and understanding their significance assists in ensuring proper administration, compliance, and transparency on behalf of beneficiaries, healthcare providers, and attorneys.

Now that you better understand MSAs and how they work in injury settlements, I hope you can move forward with confidence, knowing that you’re better equipped to navigate this unique area of healthcare finance.

The information and resources provided should empower you to make an informed decision regarding this benefit. So don’t hesitate to reach out to your healthcare or Medicare provider today to learn more about your coverage and assistance options.

Let’s Have a Conversation:

How has your experience been with managing a Medicare Set-Aside account, if you have one? What are your thoughts on the current guidelines and regulations surrounding Medicare Set-Asides? Is expanding MSA regulations to all personal injury cases a good idea? Why or why not?

Originally posted at: Gina Kirschenheiter’s Houndstooth Blazer

Originally posted at: Shannon Beador’s Black Fringe Shirt