Senior Medicare Advantage plan insurance in Ladson, SC

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Helping Seniors Make Better-Informed Medicare Decisions

Trying to pick a health insurance plan can be a chore for anyone. For many people, just mentioning the word "open enrollment" sends shivers down the spine. It seems like there's always a nagging feeling that you're wasting money, choosing a plan with poor in-network care, or both. One would think that health insurance gets easier as you approach retirement age, but the truth is that picking an initial Medicare coverage plan can be daunting.

Unfortunately, the confusing process of signing up for Medicare causes many seniors to forego healthcare coverage altogether. After all, Medicare enrollment can involve several federal agencies, including the Social Security Administration (or SSA) and the Centers for Medicare and Medicaid Services (or CMS).

At Senior Medicare Insurance Services, our passion is guiding seniors through the confusion of Medicare. That way, they can enjoy retirement with peace of mind knowing they are protected and ready for life after 65. We work with dozens of insurance companies, giving our clients the chance to choose a plan that best fits their lifestyle.

We choose to design our senior insurance plans with a focus on optimal benefits structure, lower costs, and personalized service. Some independent insurance agencies see their aging customers as nothing more than a financial transaction waiting to happen. In contrast, we treat each of our clients with respect and dignity as we help them navigate the confusing waters of Medicare. Combined with individualized service, we help older Americans make well-informed decisions about insurance. Whether you're in need of senior Medicare Supplement Plan insurance in Ladson or simply have questions about signing up for Medicare, our team is here to help.

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Medicare Ladson, SC

Guiding You Through The Confusion of Medicare!

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What is Medicare?

If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.

Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.

There are four parts of Medicare:

 Senior Medicare Advantage Plan Insurance Ladson, SC

This type of Medicare is free for most U.S. citizens. Medicare Part A helps older adults pay for care in a nursing facility, hospital visits, and some forms of in-home senior care.

This tier costs around $100 per month. It covers different outpatient services like lab tests, preventative care, doctor's visits, mental health care, clinical trials, and some forms of surgery.

This type of Medicare is most often called Medicare Advantage. This tier of Medicare allows seniors to choose health plans provided by insurance companies like Senior Medicare Insurance Services. Individuals who use Medicare Advantage commonly use Medicare supplement plan insurance to help pay for health care costs that Original Medicare won't cover, like coinsurance, deductibles, and copayments.

Sometimes called "PDPs," these plans add drug coverage to standard Medicare, some Medicare Private Fee-for-Service Plans (PFFS), some Medicare Cost Plans, and Medicare Medical Savings Account Plans (MSA).

The amount of money you pay for your health care depends on several factors, including:

At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.

Senior Medicare Supplement Plan Insurance in Ladson

Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in "gaps" that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.

Private companies like Senior Medicare Insurance Services sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.

Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.

Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:

Deductibles

Copayments

Coinsurance

Important Information About Senior Supplement Plan Insurance

To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

 Senior Medicare Plans Ladson, SC

As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:

  • To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
  • Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
  • If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
  • If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
  • Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
  • You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
  • In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.

For many people, the best time to buy senior Medicare Supplement Plan Insurance in Ladson is during the 7 months Medigap Open Enrollment Period. This period starts the day you turn 65 years old, so long as you hold Medical Insurance (Medicare Part B). Generally, during the enrollment period, you get more policy choices and better pricing. Once the enrollment period is over, you may not be able to purchase a Medigap policy. Contact Senior Medicare Insurance Services today to determine if you qualify for a Medicare Supplement Insurance Plan.

Senior Medicare Advantage Plan Insurance in Ladson, SC

A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:

 Medicare Plans Ladson, SC

In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.

How Medicare Advantage Plans Work

Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).

Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.

When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.

 Senior Health Insurance Ladson, SC

Medicare Advantage Plan Insurance Rules

Medicare works by paying a set amount of money to the companies that offer senior Medicare Advantage Plan insurance in Ladson. That money is used to pay for the care services that you need. Because Medicare Advantage Plans are different, you should expect out-of-pocket costs to vary depending on the plan you choose.

Different plans have different rules for how you receive services, such as:

  • If you must go to facilities, suppliers, or doctors that belong to your Advantage Plan for non-urgent and non-emergency care.
  • Whether you must get a referral to see a specialized doctor
 Healthcare Ladson, SC

Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.

Paying for Your Senior Medicare Advantage Plan Insurance

How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.

We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.

 Burial Insurance Ladson, SC

The Senior Medicare Insurance Services Commitment

Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:

  • Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.
  • Listening to your specific needs.
  • Responding to all inquiries and questions promptly and with a friendly attitude.
  • Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.
 Medicare Advantage Ladson, SC

Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 82 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Latest News in Ladson, SC

Ladson defense manufacturer making weapons for Israel, U.S.

A major foreign defense manufacturer has been operating in Charleston County for more than six months, but it has disclosed very little about the nature of its work since the facility first opened for business.Elbit Systems America — a subsidiary of Israeli-owned Elbit Systems Inc., which has 10 sites in the U.S. mostly located on the East Coast — officially started operations in Ladson in May. As a whole, the company supplies up to 85% of land...

A major foreign defense manufacturer has been operating in Charleston County for more than six months, but it has disclosed very little about the nature of its work since the facility first opened for business.

Elbit Systems America — a subsidiary of Israeli-owned Elbit Systems Inc., which has 10 sites in the U.S. mostly located on the East Coast — officially started operations in Ladson in May. As a whole, the company supplies up to 85% of land-based military equipment to the Israel Defense Forces (IDF). Elbit has recently seen growing demand from the Israel Ministry of Defense (IMOD) for its “solutions,” according to a Dec. 18 press release. The company’s American subsidiary also offers products and services related to commercial aviation, homeland security monitoring and night vision technology.

The S.C. manufacturing facility stands at the end of Sightline Drive, a short road just off Ladson’s Palmetto Commerce Parkway. The building is buffered from the parkway by a line of trees, equipped with a traffic light. In other words, it doesn’t stand out as a defense manufacturing plant. And yet, Elbit’s Ground Combat Vehicle Assembly and Integration Center of Excellence is exactly what it sounds like — a plant that builds truck-mounted artillery systems and command post support vehicles.

Longtime Charlestonians might remember General Dynamics Land Systems (GDLS) — known before a buyout as Force Protection, Inc. — as a defense plant also in the Ladson-area industrial zone. The company, once a major Charleston manufacturer, supplied millions of dollars of contracted equipment to the U.S. Department of Defense and foreign armed forces, profiting from high demand for Iraq and Afghanistan war-era battlefield vehicles. GDLS spokesperson Robin Porter told the Charleston City Paper the plant was sold to Pegasus Steel, LLC., a company first established in South Africa in 1994.

Elbit America planned to invest approximately $31 million into its project, including construction costs, according to its Charleston County contract, which the City Paper obtained through a Freedom of Information Act request. Elbit’s facility uses 135,000 square feet of a 175,500-square-foot building. The remainder of the space is currently available for rent. The $31 million also accounted for machinery and site design, consisting of “36-foot cast-in-place, tilt walls … [and] 14 overhead cranes used to add armor to military vehicles,” wrote Choate Construction, the group contracted to build the plant.

Charleston County first became involved in Elbit’s relocation project in 2019, when it entered negotiations with Elbit under the company’s requested code name, “Project Thunder.” Code names are a common statewide practice of assigning a made-up project name to keep relocation deals anonymous. Charleston County Council described Project Thunder as a “leading global source of innovative, technology-based systems for diverse defense, homeland security, and commercial applications.” Elbit America would use this name to “begin its tax incentives process.”

In September 2021, the S.C. Coordinating Council for Economic Development authorized Charleston County to use a $700,000 set-aside grant to assist Elbit in business operations. The county and the state’s Department of Commerce also created an “attractive package” for the project. Incentives included a fee in lieu of tax credits, known as a “FILOT,” and Special Source Revenue Credit (SSRC), two tax-lowering incentives regularly applied to major businesses.

The Elbit site qualified for FILOT, which is available to companies that invest at least $2.5 million. The FILOT can save 40% or more in property taxes. FILOT savings are even greater when, as applies to Elbit, a business is designated inside an industrial park.

The SSRC incentive is taken from FILOT revenue: Counties “award credits to taxpayers to be applied against their property taxes.” Essentially, companies get more tax credits from the tax credits they already have. Dollars saved provide a competitive advantage to relocated businesses, but at a price. A 2019 fiscal year report disclosed that companies’ extra revenue diverted $423 million from public schools across the state, disproportionately low-income schools with mostly Black and brown students.

Elbit publicly announced its 135,000-square-foot Ladson site in November 2021. Project Thunder was not revealed as Elbit until a March 2022 “public hearing prior to final action.” This was several months after the county’s economic development director had committed to granting the subsidiary tax incentives.

In earlier council discussions, county officials projected that Project Thunder would bring 302 full-time jobs to the area “during annual operation,” but Elbit America Communications Specialist Amy Hartley told the City Paper on Dec. 6 that the site had only around 50 full-time workers.

Hartley declined a City Paper request to tour Elbit’s Ladson plant “given heightened security concerns.” In recent weeks, there have been pro-Palestine demonstrations outside some of its locations. A security guard, however, said the South Carolina plant hasn’t had any recent issues.

Another statement from Hartley explicitly mentioned the site’s contract with the U.S. Army to manufacture Command Post Integrated Infrastructure trucks, despite recent press releases indicating that its main operation was fulfilling contracts from the Israeli Ministry of Defense (IMOD) to build an automated vehicle mounted with an artillery system called a howitzer.

Elbit advertises the South Carolina-built howitzer vehicle as having “high firepower and long-range lethality.” The IDF reportedly has used the vehicle to launch white phosphorus artillery strikes in “densely populated areas of Gaza,” which Human Rights Watch says “violates the requirement under international humanitarian law to take all feasible precautions to avoid civilian injury and loss of life.”

In March 2019, Elbit America received $125 million from IMOD to build “automatic self-propelled howitzer gun systems” for the IDF over a 12-year period, and the group secured a $200 million “further to” the 2019 contract one year later. In November 2023, Elbit announced that it was increasing deliveries to IMOD from various sites, including U.S. subsidiaries, to support the IDF’s invasion of Gaza.

That same month, a United States Field Artillery Association news release reported that, while the Ladson site is continuing production and delivery of U.S. Army vehicles, “Elbit America has recently started production of the Sigma-Next Generation Howitzer at their Charleston, South Carolina facility and will begin deliveries to the Israeli Defense Force in 2025.”

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Funding for new 900-student Ladson Elementary School approved by committee

LADSON, S.C. (WCSC) - The Charleston County School District is one step closer to getting a new elementary school in Ladson.The Charleston County School District’s Audit and Finance Committee approved funding for a new Ladson Elementary School Tuesday afternoon. The Charleston County Board of Trustees will have a final vote on the building next week.The project is just now in the beginning stages, but the new Ladson Elementary School will cost over $47 million for materials and labor to build the school that will hold 900...

LADSON, S.C. (WCSC) - The Charleston County School District is one step closer to getting a new elementary school in Ladson.

The Charleston County School District’s Audit and Finance Committee approved funding for a new Ladson Elementary School Tuesday afternoon. The Charleston County Board of Trustees will have a final vote on the building next week.

The project is just now in the beginning stages, but the new Ladson Elementary School will cost over $47 million for materials and labor to build the school that will hold 900 students.

Ladson Elementary School is currently located at 3321 Ladson Rd., with the current building being completed back in 1976.

“I think the biggest thing is always to make sure they’ve got enough bids to find the best price,” parent Joy Brown says. “It is a huge ticket item, but it’s expensive to build a school.”

The existing Ladson Elementary School has seen steady growth over the last four years according to data from the South Carolina Department of Education 45-day school headcount numbers.

This year the school has 893 students compared to 843 students back in 2020.

Going even further back to 2012, Ladson Elementary had 801 students.

As the Charleston County School District continues to grow with more people moving to the area, Brown says it’s important for the district to spend money in the right places.

“I think for me as a parent, I feel like it’s important to have the right amount of schools,” Brown says. “School size matters, class size matters. You can’t have tons of kids packed into one school; Charleston’s a high growth area.”

The committee also approved over $66 million for 12 projects throughout the district ranging from renovations, replacements, and new buildings. Some projects of note include:

“I think it’s important for people to realize this money has been allocated specifically for schools,” Brown says. “We just want to make sure that it is efficiently used when you’re looking at growth.”

Copyright 2023 WCSC. All rights reserved.

Plans for park and ride facility on fairgrounds getting pushback

LADSON, S.C. (WCBD)- Officials with the Charleston Regional Transport Authority, or CARTA, want to put a park and ride facility at the Ladson fairgrounds, but they’re getting pushback from some fair officials.CARTA Chairman, Mike Seekings says this plan has been in the works for years.“It’s an important project for many reasons. It opens up possibilities for everyone that’s around here,” Seekings said.The idea is to use 6 acres of the 180-acre fairgrounds and transform the space from a parki...

LADSON, S.C. (WCBD)- Officials with the Charleston Regional Transport Authority, or CARTA, want to put a park and ride facility at the Ladson fairgrounds, but they’re getting pushback from some fair officials.

CARTA Chairman, Mike Seekings says this plan has been in the works for years.

“It’s an important project for many reasons. It opens up possibilities for everyone that’s around here,” Seekings said.

The idea is to use 6 acres of the 180-acre fairgrounds and transform the space from a parking lot to a CARTA park and ride facility, connecting the 21.3-mile Lowcountry Rapid Transit project, making public transportation more accessible.

Seekings said, “We’re well down the road in cooperation to have this project be viable.”

However, fair leadership is now unwilling to give the land up.

“We feel like taking this property away from the fair is a really bad move for us,” Past president of the Coastal Carolina Fair, Mike Jernigan said.

Leaders saying if they lose a chunk of their parking lot they would lose a lot of money and it would disturb their operations.

Jernigan said, “It would eliminate our ability to use one of our primary gates, and we feel like the effect of that on our parking means that we have less revenue, and less money to give to the charities that depend on profits from the fair.”

However, Seekings says he thinks it’ll have the opposite effect and doesn’t understand why fair leadership is backing out.

“Having a hub right next to the gates of the fair is a natural to bring people in a safe economical way to the fair,” Seekings says.

Ultimately, fair leadership says they can only express their concerns, but the final decision won’t be up to them.

“It’ll be up to the three county governments and officials that represent taxpayers,” Jernigan said.

CARTA officials say if the plans go through, they wouldn’t break ground for another 2 years.

Sensory-Friendly Santa event in Charleston caters to families with autistic kids

In Charleston’s bustling holiday season, parents gear up to bring kids to the traditional Santa at the mall. But for parents of autistic kids, that vibrant scene could be a potential sensory overload.That’s why the Medical University of South Carolina’s SPARK research group and Tri-County Therapy are hosting a Sensory-Friendly Santa event on Dec. 2 in Ladson at 3851 Commercial Center Drive from noon to 5 p.m.Autism families often have to forego the traditional photo of kids with Santa, said Dr. Laura Carpenter...

In Charleston’s bustling holiday season, parents gear up to bring kids to the traditional Santa at the mall. But for parents of autistic kids, that vibrant scene could be a potential sensory overload.

That’s why the Medical University of South Carolina’s SPARK research group and Tri-County Therapy are hosting a Sensory-Friendly Santa event on Dec. 2 in Ladson at 3851 Commercial Center Drive from noon to 5 p.m.

Autism families often have to forego the traditional photo of kids with Santa, said Dr. Laura Carpenter, professor of pediatrics and psychiatry and chief of psychology for SPARK.

“Going to a crowded Christmas event can be really hard because those are usually lots of lights, lots of noise and lots of crowds that can be really overwhelming,” Carpenter said. “We’re trying to give them that typical childhood experience, but in a way that is actually enjoyable for the child.”

According to a recent report from the Centers for Disease Control and Prevention (CDC), one in 36 children have been identified with autism spectrum disorder at age 8, a significant rise from past years. The CDC also found that autism diagnoses increased 30 percent from 2018-2020 in minority communities.

“For the first time, the percentage of Asian, Black and Hispanic children identified with autism was higher than among 8-year-old White children,” according to an article published by the S.C. Department of Health and Environmental Control.

The Ladson event will not only give kids a chance to experience Santa Claus in a less-crowded and overwhelming environment, but families are also able to contribute to autism research.

SPARK is a nationwide community of families, autistic adults and researchers working to understand autism and improve lives. The organization is researching autism across the lifespan to better understand what makes each person with autism unique — and how each child, adult and family can get the support they need to thrive. There are approximately 50,000 people included so far.

NORTH CHARLESTON — To continue efforts to become the Coast Guard’s “operational center of gravity” on the East Coast, officials broke ground Jan. 26 on its new $160 million campus.

This 64-acre site along the Cooper River — just south of the former naval base that closed in 1996 — will house an administration building and redesigned 1,100-foot concrete pier.

Construction is expected to begin later this year and be completed in 2026.

“This Charleston campus will have improved infrastructure that translates into more productive personnel and more efficient operations,” said Capt. Neal Armstrong, the commanding officer of facilities design and construction.

The 51,500-square-foot administration building will provide training and conference room space, and additional rooms dedicated to cutter ship support.

Sustainability is a priority, so the new facility will achieve net-zero energy usage and a net-zero carbon footprint, Armstrong said.

The current Pier November will be replaced with a pier more than three feet taller to enhance durability during coastal storms. It will provide utilities to support five national security cutters and a 90-ton crane, which is critical for dockside maintenance, Armstrong said.

During the design and construction phases nearly 60 subcontractors will support the two main contractors on the project, Whiting-Turner Contracting Company and RQ Construction LLC, providing work for nearly 900 people.

Commandant of the Coast Guard Adm. Linda Fagan, who spoke at the groundbreaking ceremony, said every Coast Guard mission begins and ends at a shore facility. When the ships are not at sea, they need a base that can provide necessary maintenance, she added.

The missions conducted at Base Charleston are vital to protecting national security and economic prosperity, Fagan said, adding that the new campus will aid in “lifesaving work,” including patrolling the waters for smuggled narcotics.

Berkeley Co. deputies investigating after shooting leaves 1 injured in Ladson

The Berkeley County Sheriff’s Office is investigating after a shooting in Ladson left one person injured.The shooting occurred on Miami Street, off College Park Road.Just after 1 p.m. on Friday, Nov. 10, Berkeley County Communications received a 911 call about a shooting that occurred with one person injured. Responding deputies located the victim in the parking lot of Food Lion after the victim attempted to have someone drive them to an emergency room.The victim was transported to an area hospital for treatment....

The Berkeley County Sheriff’s Office is investigating after a shooting in Ladson left one person injured.

The shooting occurred on Miami Street, off College Park Road.

Just after 1 p.m. on Friday, Nov. 10, Berkeley County Communications received a 911 call about a shooting that occurred with one person injured. Responding deputies located the victim in the parking lot of Food Lion after the victim attempted to have someone drive them to an emergency room.

The victim was transported to an area hospital for treatment.

The Berkeley County Sheriff’s Office continues to investigate this case.

Dar Shokri and Fred Robinson each hit a hole-in-one in January to start 2024 off with a bang at Goose Creek’s Crowfield Golf Club

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Goose Creek Mayor Greg Habib, left, was joined by John Matthews of the Goose Creek NAACP at city hall to officially proclaim Monday, Jan. 15, as Dr. Martin Luther King Jr. Day in the city of Goose Creek. King was born Jan. 15, 1929, and the day has been celebrated as a federal holiday for 38 years. The proclamation praises King for “working alongside people of all ages, races and backgrounds” and encouraging Americans “to come together to strengthen communities and empower the impoverished.”

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