{"id":16169,"date":"2022-06-23T20:57:32","date_gmt":"2022-06-24T00:57:32","guid":{"rendered":"https:\/\/stjindy.com\/?p=16169"},"modified":"2022-06-23T20:57:32","modified_gmt":"2022-06-24T00:57:32","slug":"features-224","status":"publish","type":"post","link":"https:\/\/stjindy.com\/newindy\/?p=16169","title":{"rendered":"Features"},"content":{"rendered":"<p><strong>More Pride 2022 photos<\/strong><\/p>\n<p><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/MvktqLzzj9o\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<hr \/>\n<p><strong>Dershem celebration to raise funds for recycling July 9<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/stjindy.com\/wp-content\/uploads\/2022\/06\/recyclefundraiser.jpg\" alt=\"\" width=\"500\" height=\"221\" class=\"aligncenter size-full wp-image-16174\" \/><\/p>\n<p>The community is celebrating the life of Roger Dershem and the great impact that he has had on our area.<\/p>\n<p>Roger was very passionate about the Lions Club Recycling Center, and this event will help raise funds to keep Roger&#8217;s hard work going.<\/p>\n<p>Organizers will be blocking off W. Higham St. on July 9 from 10 a.m. to 4 p.m. to have some community fun in Roger&#8217;s honor complete with live music, food trucks, cornhole tournament and much more.<\/p>\n<p>Mike Pawlowski will be in attendance with information for the public about the Recylcing Center. Learn more about what items you can recycle, and how you can help keep the Recycling Center operating.<\/p>\n<p>Chuckie D&#8217;s BBQ, Kellam&#8217;s Kettle Corn and Oh Mi Organics will be donating a percentage of their sales to the Recycling Center.<\/p>\n<p>This day is shaping up to be big fun for all. Please stop by to give hugs to the Dershem family and share some stories about the legendary Roger Dershem.<\/p>\n<hr \/>\n<p><strong>Remember When<\/strong> &#8211; Kaye Pilmore \u2013 lover of the arts and life in 2011<br \/>\nby Rhonda Dedyne<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/stjindy.com\/wp-content\/uploads\/2022\/06\/kaye03.jpg\" alt=\"\" width=\"500\" height=\"308\" class=\"aligncenter size-full wp-image-16175\" \/><em>Kathy Smith, Geraldine Workman and Lora Thom joined Kaye for this photo taken in one of the early galleries on Clinton Ave.<\/em><\/p>\n<p>Kaye Pilmore didn\u2019t officially \u201cstart\u201d the Clinton County Arts Council back in 1981, but her devotion and absolute commitment to the arts \u2013 in all its shapes and forms \u2013 provided the spark that moved the organization forward.<\/p>\n<p>\u201cA number of wonderful people were involved in those early years, but Kaye\u2019s dedication and passion for the arts was instrumental \u2013 she really WAS the Clinton County Arts Council,\u201d Jenny McCampbell, one of the founding members, says about the vibrant lady who passed away January 25.<\/p>\n<p>It was rough going for the fledging organization in the early \u201980s \u2013 times were tough. Funding a start-up organization dedicated to the arts was a challenge, to say the least. Kaye and others like her \u2013 Bill Richards, Bill Tennant, Jenny and Gary McCampbell, Pasqua Warstler, Sally White, Maxine Strahle, to name a few \u2013 refused to give up. Their tenacity helped the CCAC survive.<\/p>\n<p>Kaye helped guide the group\u2019s reorganization in the spring of 1985, ultimately resulting in its acquisition of 501(c-3) status. Fund-raising efforts were revived; the board was rejuvenated; and with Jon Tury\u2019s donation of a venue, the Clinton County Gallery and Gift Shop officially opened Sept. 22, 1985 in River Run Pottery near the intersection of North Clinton Avenue and BR-27.<\/p>\n<p>Kaye was named as the Gallery\u2019s director \u2013 the first of several \u201chomes\u201d where she served tirelessly over the next two decades.<\/p>\n<p>\u201cShe was everything at the Gallery, no matter where it was housed,\u201d Jenny says, citing Kaye\u2019s involvement with the start up of multiple projects like the CCAC\u2019s traveling art displays that brought beauty to numerous businesses in Clinton County, the Art In the Park summer youth program, and her work with both youth and adults at Peckham.<\/p>\n<p>Kaye was passionate about providing a space for local artists to display their works \u2013 Florence Horn, Doris Jarrel, Penny Tahvonen and so many others were frequent exhibitors. At the same time, her many connections around the state and country allowed the Gallery to secure exhibits and displays from outside Clinton County\u2019s confines. An early exhibit in April 1986, \u201cThe Color of Light\u201d involved Kaye transporting gorgeous glass artwork in her trusty van. She reported being \u201cterrified\u201d of having a valuable piece break enroute \u2013 but the exhibit arrived safely.<\/p>\n<p>Visual arts weren\u2019t Kaye\u2019s only love. Music, dance, theatre all had a home in her heart and soul. She was one of a few visionaries who saw potential in a performing venue at the St. Johns City Park, helping guide the planning process that resulted in construction of the \u201cnew\u201d Performance Shell that replaced the dated band shell at the park. Thousands of people who enjoy music there each week during the summer months have Kaye and other art-friendly folks to thank for those lovely sounds \u2013 all free for everyone to hear.<\/p>\n<p>We all owe a debt of gratitude to a wonderful lady whose life \u2013 and love of art \u2013 makes each of us better.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/stjindy.com\/wp-content\/uploads\/2022\/06\/kaye05.jpg\" alt=\"\" width=\"500\" height=\"361\" class=\"aligncenter size-full wp-image-16176\" \/><em>Kaye and Bill Tennant presided over the opening of the Performance Shell at the City Park in 2004.<\/em><\/p>\n<hr \/>\n<p><strong>Maralyn&#8217;s Pet Corner <\/strong>&#8211; What Does Pet Insurance Cover?<\/p>\n<p>Figuring out pet insurance can be overwhelming, especially when it comes to what it covers. What is included or excluded in pet insurance?<\/p>\n<p>The \u201cright\u201d coverage depends on your individual situation. One of the most basic questions you\u2019ll have to answer as you shop for pet insurance is what your pet needs and whether the policies you\u2019re considering provide that coverage.<\/p>\n<p>Making this decision means having a good understanding the main types of pet insurance and what they usually do and don\u2019t cover, what coverage your pet needs for their age and medical history, and how much of the bill a company will pay even for things that are covered.<\/p>\n<p>Your vet can be a great resource to help understand pet insurance and which plan is right for you. Here are some insights on what pet insurance covers.<\/p>\n<p><em>What&#8217;s Usually Covered by Pet Insurance?<\/em><\/p>\n<p>The exact coverage of your plan will depend on what type of plan you have. Pet insurance plans are not like human plans, where everything from your yearly physical to a sprain or rash falls under one plan.<\/p>\n<p>In general, most pet insurance companies offer three main types that vary in what they will cover: accident-only, accident and illness plans, and wellness\/preventive plans.<\/p>\n<p><em>Accident-Only Insurance<\/em><\/p>\n<p>As the name implies, an accident-only plan covers costs associated with accidents, including many emergency veterinary expenses. Often, there is the misconception that \u201ceverything emergency\u201d is covered by an accident-only plan. However, it\u2019s always a good idea to read the fine print on accident-only plans, because your idea of an accident and the insurance company\u2019s idea of an accident might be very different.<\/p>\n<p>For example, if you knock over the garbage can and your dog quickly scarfs down a chicken bone that results in emergency medical expenses, this might not be considered an accident. However, if someone leaves the front door open and your dog runs outside and gets hit by a car, that would likely be covered as an accident.<\/p>\n<p>Accident-only plans tend to be less expensive, which makes sense, considering they have the most restrictive coverage. When pricing your plan, also make sure you understand the deductible and reimbursement percentages as well, because these will affect your out-of-pocket expenses if you need emergency coverage.<\/p>\n<p><em>Accident and Illness Insurance<\/em><\/p>\n<p>Accident and illness plans tend to be the most popular type among pet parents, because these often cover any nasty surprises you weren\u2019t expecting.<\/p>\n<p>These generally cover both accidents, like falling off the deck, and health conditions, from infections to chronic health conditions like diabetes, joint disease, and even cancers. The typical accident and illness plan will cover diagnostic and treatment expenses related to those types of vet visits (\u201csick pet\u201d visits).<\/p>\n<p>As with any plan, it\u2019s always a good idea to read the fine print and ask questions. Search the company\u2019s website for a list of conditions that are not covered. Some plans will have exemptions for congenital conditions (present at birth) and\/or hereditary conditions based on your dog\u2019s breed. For example, respiratory conditions among English Bulldogs may not be covered because they\u2019re so common.<\/p>\n<p>Problems that develop during the \u201cwaiting period\u201d (date from when you sign up until coverage kicks in) will also not be covered. Generally, if your pet is considered to have a \u201cpre-existing condition\u201d (such as a heart murmur diagnosed before you signed up), expenses related to this health condition will not be covered.<\/p>\n<p>Specific types of therapy, such as massage therapy, behavioral therapy, and non-mainstream treatments may or may not be covered.<\/p>\n<p>Accident and illness plans are more expensive than accident-only plans, but they have a wider range of coverage. Many policies will include deductibles and varying reimbursement percentages, which will further influence the cost of the plan and your out-of-pocket costs.<\/p>\n<p><em>Wellness Plans<\/em><\/p>\n<p>Pet wellness plans typically provide coverage for wellness and preventive care. They are often sold as add-ons to traditional accident-and-illness plans, or they can be purchased as standalone policies.<\/p>\n<p>Wellness plans usually cover standard things such as routine vaccinations, annual checkups, senior checkups, heartworm testing, and parasite prevention medications for heartworms, fleas, and ticks.<\/p>\n<p>The advantage of getting a wellness plan is spreading the expenses across a full year instead of paying them all at once when your pet needs routine care once or twice a year.<\/p>\n<p>As always, read the fine print of the plan. For example, many wellness plans don\u2019t cover dental care (you need a separate policy), or they might cover dental cleanings, but not tooth extraction.<br \/>\nHow Much of the Vet Bill Will Pet Insurance Cover?<\/p>\n<p>The amount you get reimbursed will depend on the type of plan, the level of deductible, the reimbursement percentage, and the annual cap.<\/p>\n<p>Similar to human insurance, a deductible is a set amount that you pay the vet before coverage kicks in.<\/p>\n<p>An annual deductible is the amount you will have to pay every year before your coverage kicks in, and it resets each year. Your dog may get hives and also be diagnosed with an ear infection on separate visits, and all approved costs will go toward the yearly deductible.<\/p>\n<p>A per-incident deductible is one you have to pay for each type of incident. In this scenario, let\u2019s say your dog is diagnosed with diabetes. You will be responsible for hitting the deductible before coverage kicks in. While these expenses can add up, the advantage is that, assuming you keep the policy year after year, you\u2019ve already satisfied the deductible for diabetes-related expenses in the first year.<\/p>\n<p>Also pay attention to the reimbursement percentage. This is the amount of coverage a plan provides after the deductible is met. For example, if the reimbursement percentage is 90%, you will be responsible for 10% of all expenses after the deductible. In this scenario, if you have a vet bill for $1,000 and have already met your deductible, you will still owe $100, or 10%, of the total bill.<\/p>\n<p>Finally, many policies also have an annual reimbursement cap, meaning they will only pay so much in any given year. If your pet has an expensive year, you will be responsible for all costs above the total reimbursement cap.<\/p>\n<p><em>When Will Pet Insurance Start Covering Incidents?<\/em><\/p>\n<p>In most cases, pet insurance doesn\u2019t kick in immediately. Most insurance companies have a waiting period between the time you buy the policy and the time the coverage actually starts. This is to make sure your pet doesn\u2019t have an immediate and expensive health need that caused you to run out and buy insurance.<\/p>\n<p>There may be one waiting period before illness are covered (such as 14-30 days), and a different waiting period (such as 48 hours) for accidents to be covered.<\/p>\n<p>Pet insurance can be a great investment in your pet\u2019s health, but to get the most from your insurance, make sure to weigh all the factors, including your pet\u2019s life stage and health status, and all plan options. Your vet will always be a good resource for questions on pet insurance. A little bit of research up front can save a lot of extra expenses and misunderstanding later on.<\/p>\n<hr \/>\n","protected":false},"excerpt":{"rendered":"<p>More Pride 2022 photos Dershem celebration to raise funds for recycling July 9 The community is celebrating the life of Roger Dershem and the great impact that he has had on our area. Roger was very passionate about the Lions Club Recycling Center, and this event will help raise funds to keep Roger&#8217;s hard work <a class=\"read-more\" href=\"https:\/\/stjindy.com\/newindy\/?p=16169\">Read More<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-16169","post","type-post","status-publish","format-standard","hentry","category-features"],"_links":{"self":[{"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=\/wp\/v2\/posts\/16169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16169"}],"version-history":[{"count":0,"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=\/wp\/v2\/posts\/16169\/revisions"}],"wp:attachment":[{"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stjindy.com\/newindy\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}