It’s time: Medicare B

It’s Time!
Let’s talk about Medicare Part B and why it is so important to have.

How many of you have had to go to the doctor’s office for one thing or another? Did you need to have lab tests? X-Rays? Ultrasounds? MRI? Special testing of some sort? Have you been to an Urgent Care for an upper respiratory infection, a belly ache, or an injury? Did you have to pay out-of-pocket? Was it a big ole chunk of change?

Medicare Part B is your outpatient services payment method. If you do not have Part B your doctor visits, lab work, Imaging services (X-rays, MRIs, Ultrasounds, CT scans), urgent care, anything that does not occur as an in-patient in an acute care setting will not be covered. Have you ever looked at the charges for some of these services? You would have to pay for those services plus. In the case of imaging services, you have to pay for the services of the doctor that reads those films.

If you need outpatient surgery, you have the cost of the surgeon, the  anesthesiologist and the anesthesia, the operating room and recovery room rent, and supplies, medications, nursing services, discharger planners, and who knows what else.

It’s true. If you do not have Medicare B, you will have to pay for it all out-of-pocket. Yes. You can claim it for a deduction on your income taxes but, goodness. I do not have that kind of reserve to spend on medical care.
If you do? Good on ya!
Personally? I would rather pay the monthly premium for Medicare B. At the time of this posting, it is $170.10 and comes directly out of your Social Security check. (Yeah. Recently We got a raise in our Social Security check and they turned around and raised the cost of Medicare Part B. I think we ended up getting an extra $4.00 a month.)

Twelve months of premiums ($2041.oo) is less than I would have had to pay for the MRIs I had a few months ago. Just the MRIs came to over $2400. I have had to have blood work and ultrasounds and doctor visits, not to mention COVID testing, vaccines, flu shots and a host of other medical needs that some people our age and in good health don’t even think about until something happens. You can use that much in just wellness check-ups! Do you need a CPAP? Medicare B.

Yes. I am not a youngster describing what they think people go through. I am almost 70 years of age, and I was a Registered Nurse for 40 years before I retired. I speak from experience and have done my homework. I have worked in acute care hospitals and Long Term Care (SNFs). I have been involved in the billing parts of both.

Medicare Part B is also a requirement if you have Tricare for Life (thank you all for your service!). You must be signed up for Medicare Part B for your Tricare for Life to activate once you begin using Medicare. I have been told that this combination is the Gold Standard of insurance coverage for those of us in our golden years.

I am not sure which ones, but some Medicare supplements also require that you have Medicare Part B. My advice is to consult with a Medicare advisor or maybe two or three. Sometimes, the stories (or advertisement pitches these people give you might vary slightly from person to person. Do your own homework!

If you decide on a commercial Medicare and have Tricare for Life, please be careful. Some supplements will mess up the coverage you have under Tricare for Life completely.

But my point in this post is that Medicare B is important. It covers your doctor visits and all your lab work and imaging. The responsibility on your part? Make sure that when you must get these tests, the doctor has given the right diagnosis code on the lab or imaging request. (There’s that phrase again: diagnosis code)

Diagnosis Code is a set of numbers, or combination of numbers and letters, that tells your insurance why you must have the test he/she is requesting for you. When the lab or imaging bills Medicare (or any insurance) and that request does not jive with the diagnosis code, the bill might get rejected and the lab will bill you for the test.

When the doctor determines that you need a test, ask him/her to review all the diagnosis codes on your chart and make sure it is an approved test for that diagnosis. Confusing, right? We, as patients, need to be proactive to avoid unnecessary tests and we need to make sure what we need gets paid for by the insurance we pay for. (Personally, I think it is a way for insurance companies to deny claims or delay payment. But that is probably my conspiracy theorist brain slipping into the conversation.)

Long story short, Medicare B pays for outpatient needs (if they right code is given). Most of our care is now given on an outpatient basis. Gone are the days of inpatient hospitalization for “tests”. You need Medicare B.

The only time you probably don’t neeeed need, it is if you have other coverage from a spouse that is still working, and your spouse’s work insurance covers you. That said, if you decline Medicare B and later decide you want it, there is often a penalty involved. That penalty is not a one-time payment. It is attached to your premium forever.

I hope I haven’t confused you too badly. My goal is to get your attention and convince you to do your homework.
Bite the bullet and sign up for Medicare Part B. You may be healthy and do everything you can to stay that way but ya never know! An illness might catch you. Flu season is upon us. We just went through a pandemic. Most people were treated as outpatients…Medicare B makes those outpatient payments.

And Another thing! There is still a copay if you don’t have a supplement to cover that. Medicare coverage is only about 80% of the approved charges.  By “approved charges” I mean that Medicare has a limit on the prices providers can charge.

Example: If the bill is $2400 and Medicare only approves a price tag of $1900, they will cover 80% of that $1900 and the rest goes to you. They will pay $1520, and you get billed for $580.

If you are lucky (and some doctors’ offices will do this), your doctor will “accept Medicare assignment”. This means they accept whatever Medicare pays them and the doctors do not charge for the balance. But many do bill you for the balance. Check the financial agreement you sign at the doctor’s office or any medical service provider.

Please feel free to ask me or your provider any questions. You can also check out the CMS website at Your Social Security office can also help.

Take Care!



Nursing Home costs & Medicare A

Page 3 of “Medicare Basics”

Your cost for a stay in a Nursing Home,

aka: Long Term Care Facility…or…Skilled Nursing Facility


What Medicare Will Not cover of your continued care needs.

We’re still talking Medicare A here:

Medicare A covers a stay in a Long Term Care Facility, IF and only if you meet certain criteria. (See required criteria below.) These facilities are also referred to as Skilled Nursing Facilities (SNF). Typically, a SNF will offer physical rehabilitative services. You must meet certain criteria to have your needs considered “skilled”. Your need for “rehab” and progress is documented by the physical and occupational therapists.

Sometimes the need for long-term IV antibiotic therapy will qualify as skilled if your need for assistance prevents you from performing this service yourself at home.

Sometimes Home Health Services can provide this service for you in your own home. I’ll discuss Medicare coverage for Home Health Services in another post.

Again, this stay would only be covered for so many days if you continue to meet the criteria. Once the time is up, the cost is on you, and you can research Long Term Care costs.

Qualifying inpatient stay (criteria): You must have had a “qualifying Inpatient stay” in an acute care hospital. If you are admitted for “Observation”, those days do not count as a qualifying inpatient stay. You must have 3 full days, admitted as an inpatient, to qualify for coverage in a Skilled Nursing Facility. Sometimes that stay can be within the previous week, maybe two – I have more research to do on that. Like I said, things change.

You must also have Medicare Part A days left in your “benefit period” for a Skilled Nursing Facility stay to be covered. (See “Copay” previous page) If you used all those days in the acute part of your illness and you still need skilled care, your stay might not be covered.

Medicare Part A coverage of a SNF stay

Let’s say you have had your three-day stay at an acute care facility and you have days left in that 90 annual allotment of days. Now you need extensive physical rehab to get back to your independent state so you are offered a stay in a SNF or rehab facility.

In the hospital there are usually “Case Workers”, also known as Discharge Planners, that can help you decide what to do next. They can tell you about what Medicare will cover and what the requirements are for you to have a successful experience with your rehab stay at a SNF. (Also called a Long Term Care Facility. Often these facilities are located within a Nursing Home since the stay requirements are the same.)

Medicare A covers your rehab stay but the billing is a little different.
The first 20 days are covered with no co-pay required.
Days 21-100 can have a co-pay due of up to $195.00/day.
Beginning day 101, you are responsible for all costs associated with your stay…meals, meds, therapy, etc.

Let’s concentrate on what is covered by Medicare Part A in a SNF:
 A semi-private room cost is covered, as are your meals, nursing care, therapy, social services, medications, and supplies. It might even cover dietary counseling and in rare instances will cover ambulance transportation IF another type of transportation would be an endangerment to your health. For instance, you need to go to kidney dialysis in another facility and you are unable to be transported by wheelchair or need extensive assistance. In some cases, Medicare will cover that ambulance ride. There must be a medical reason why you cannot be transported by any other means.

Perhaps in another post, I will discuss the requirements for your rehab stay. Or, maybe, I will give the short version here.

In a SNF, there is a team of therapists, social workers, and nurses to help you prepare to go home when your treatment reaches completion. Sometimes that “completion” takes forms other than your being able to walk or become independent in your self-care. Use this benefit. There is a group meeting of everyone concerned with your care. Your family can also attend these meetings.

Keep in Mind:

If you are admitted to a SNF for physical rehabilitation, you must cooperate with your therapists. You must do the work, with the therapists’ assistance, to get yourself ready to get back home. If your progress stops due to your refusal to continue to try, then your facility-based rehab will be discontinued, and you will have to make other arrangements for assistance once you are discharged home. This is on you. However, sometimes you truly will be unable to progress any further. At that time, the rehab team and your family including yourself will discuss options for care at home or at another type of care facility.

Next up: Why Medicare B is so important.

Medicare Basics

I know, I know. Another year has passed but today I have something really important to share. A friend of mine just realized the importance of knowing about her healthcare coverage and lack of coverage. She is not the first of my friends to find out the hard way.

I just have to start this post series with this quote (or partial quote)

“IF you, or someone you love, is on Medicare…”

Please read!

The cry is being heard throughout the land for a “Medicare for All” product. People must get themselves educated on the ins-and-outs of Medicare. It is not simply sign up and all your medical coverage cares disappear. Far from it. First of all, Medicare is not completely free. Most of us have been paying into the plan throughout our entire working lives. Second, you must be eligible for the plan. At least, for now.

Seriously, I have had friends find out the hard way that there is so much more to Medicare than signing up for it.

Please read and share the following posts.  For the next few days, I will present a summary of the Medicare basics and hopefully guide you on what questions to ask when it comes to what is covered. The open enrollment time period is close approaching. Be informed!

I am not sharing this information as the complete facts of Medicare because the rules often change each year. I am simply warning people, pleading with you, to be informed. Please do your research and ask your provider, your doctor, your nurse practitioner, if he or she (or they or whatever) has any updates on coverage changes.

I am also talking about regular government-issued Medicare. Commercial Medicare, Medicare Advantage Plans, or other types of Medicare programs may have different rules. You can obtain a “Medicare & You” handbook from the CMS website. It is free. The highlighted link will take you to the CMS page where you can download the book in different formats and languages. There is even a large-print book.

And another thing…When you sign up for your slice of Medicare, PLEASE accept Medicare B. Yes. It will cost (currently $170.10/month) but that price is not nearly as much as having to foot the bill for all your outpatient needs. One MRI of a small part of your body will set you back $1000 to $5000.00 depending on which part of you is scanned and the location where you have that photo-shoot. That’s not even considering the doctor bills (and yes, the radiologist that reads that film is a separate fee), lab fees, and a host of other charges you will find on your bill that led to the need for an MRI. (OH! and if you are on Medicaid, you might qualify for that $170.10 to be covered.)

What is Medicare?

Medicare started as a government-based insurance program, basically for senior citizens over 65 years of age and for those receiving social security disability. It is not as simple as it seems. There are particular items of interest that may have you paying more out of pocket than you imagine.

First of all, there are two parts to the most basic Medicare coverage. Part A and Part B. THEN there are add-ons. Part C, D, E, F, and G… or something like that. There is even a Part N. There are Medicare supplements. There is also something called a Medicare Advantage Plan. There is the government-issued Medicare and Medicare Advantage and Commercial Medicare which can be an HMO or a PPO. (Look those Medicare initials up. There will be a test!).

Tomorrow I will talk about who is eligible to receive Medicare and about Part A. Follow me for updates and notifications of each new post. Leave your email address to be notified of the next post.

There is a lot to know about and I will just be scratching the surface of Medicare for the next few days.

_ _ _ _



It ain’t as advertised.

            I know, I know. I must assess different airlines to get a good picture of what it is really like to fly First Class but so far, I am unimpressed. I am currently not enjoying my third excursion at First Class. For an extra $1000.00 for the ticket, I need more cow bell. Maybe even some live entertainment by the likes of, oh…I don’t know…the Magic Mike crew? Naw. That’s a bit much. But I digress. We’re talking about Class here and that just ain’t it.

Let’s take a look at First Class Services in days gone by: Once upon a time, I did get an upgrade way back in 1998-ish travels. We were given a warm, damp washcloth, made from real terrycloth, to wash our hands and faces before we were served our meal on real plates with real silverware and glasses. The meal was hot. Yes, they were prepared meals but the flight attendants heated the meals in a special oven that would cook several meals at a time. We were given cloth napkins. We ate in style.

The Seats were very cushy and roomy. I could curl up in one…then again, I was at least 50 pounds smaller! I was given a pillow and a blanket and even some treaded socks for my comfort. There was a designated attendant, or maybe two since the section had over a dozen passengers.

OK. Let’s move on to current times. I realize times have changed. My experience, right now, is on American Airlines but we’ll get to them later. An experience about 6 months ago was on Delta when I had upgraded on a whim. Mainly because I developed some back pain while visiting my son and needed some stretching room on the flight home. I also wanted more room to accommodate my laptop so I could work on my current book and get the bones down for another. There wasn’t much of either.

To be fair, I had taken a muscle relaxer and had a glass of Pinot Grigio at the start of the flight and ended up sleeping most of the trip, the Delta flight. And it was a Red Eye flight. I guess I missed snack time. Don’t even know if they offered a meal. I had to request a drink of water cuz I guess I missed the drink pass bein’s that I was asleep. The flight was long, from Portland to Atlanta. I still expected more.

The seats were not much bigger than what I had in economy. Maybe a couple inches wider but so am I. It did have, maybe, 4 more inches of leg room and that in itself makes a difference. The tray table? Well, it was no bigger than economy nor was there much more room. My laptop did not fit well enough to open it completely. The table was very close and on my lap. I gave up, played a game on my tablet, read some from my Kindle app on my phone, and watched an offered movie with their no-extra-charge earbuds. All-in-all, Not impressed. Other than the seat size and leg room, not much better than economy.

So here I am on an American Airlines First Class ticket. Again, I am so not impressed. OK. Let’s start with TSA. Nobody gets a pass. Everyone has to stand in line; at least at JAX (Jacksonville International in Florida). If you get a little green checkmark on your ticket then you can go through the short line. If not, Mooooo.

Evidently, you have to jump through some hoops on your ticket application to get that little green check. Maybe give your passport info and promise your first born but, supposedly, as long as your background check comes back clean you can get one of those little green check marks.

Moving right along. We checked in early because we had requested wheelchair service and, silly me, I thought the check-in agent would call for the wheelchair. I just expected it to be done. Evidently not. You must specifically ask for your wheelchair even though your ticket specifies “wheelchair needed”. Maybe I looked too spry, hobbling in with my knee brace and cane.

We had plenty of time, so we moseyed toward the gate, had a glass of Pinot Grigio at a little Italianesque pub, we people watched, and read until it was nearing boarding time. We took our time and ambled on toward the loading zone.

At the gate, though, it looked like there was a little confusion. Agents were looking around and finally started asking “elderly” people to see their tickets. We showed ours and he was surprised to see we did not have a wheelchair. I told him it wasn’t offered. He apologized and brought us to the early boarding area, first offering a wheelchair. I declined, stating we were already here.

The First Class Experience: Again, seating was larger and probably more comfortable. There was enough space behind us that the backs could recline farther than economy seats. The only problem was that one of them didn’t work. The “classes” were separated by a net like curtain. I could see to the back of the plane and observe how the economy class fared. Not so bad back there!

I usually fly Delta and this plane was a shorter craft than I’m used to. It seemed to be much wider though. Economy class had no middle seats! It also seemed quieter than the last flight I took. Anyway, back to the First Class experience.

We were offered a drink before the doors even closed. This included free booze if desired. Real glass! So classy! These drinks were promptly collected before we taxied to the runway. I don’t know about you, but I tend to sip my adult beverages. Not wanting to waste it I will admit that I did gulp and swallow said drink.  I will not do that again. Perhaps this act is on purpose to calm the First Class passengers to be more pliable and agreeable.

Once we were airborne and somewhat leveled out, we enjoyed access to our own bathroom. At least we only had to share it with a dozen passengers versus 50. That was a bonus.

The attendant began taking our lunch orders. YAY! We were promised a meal. I remembered my past experience and anticipated the luxury.

Nope. Didn’t happen. Disappointment started when our attendant gave us the meal options. The only option left was a Vegetarian Veggie Wrap with sides of a salad, a cookie, and a pack of mixed nuts. There was no meat option. They ran out. Fine. This omnivore will accept the Veggie Wrap or, evidently, she will have nothing. I hopefully anticipated the meal would be served on a plate.

Nope. She comes back with our drink order and a flimsy brown box that contained the meal. I picked through what was appetizing, the bag of nuts. I needed the protein. I put the remainder in my backpack and went to work on my laptop to write this post. I figured it would keep until I was really hungry.

The attendant was very attentive to everyone and came back to offer us more snack packs and nuts. And, of course, more booze. This must be the booze cruise!

The second leg of this trip was on the same plane. Same seats. Same attendant and that was the saving grace. We had to deplane and had about 30 minutes to make a bathroom trip. Waiting in line ate up that time. No wheelchair awaited us.

At mealtime there was one chicken meal left but there was also a cheese plate and Steve chose that, leaving the chicken for me. Of course, it was cold. Well, not refrigerator cold. Maybe room temperature. But it was tasty, and I was hungry by that time.

All in all, I think I will save my money and fly American Airlines economy class. The no middle seat sold me. I can bring my own snacks and the soft drinks are free. I see no reason for an extra grand to have a little bit bigger seat. I can lose weight and exercise to fit more comfortably to save a thousand bucks!

See y’all later!


Medicare eligibility and Part A

page 2

First: Who is eligible?

Medicare is the government medical insurance for people over the age of 65 years and younger people with particular disabilities, and people End-Stage Renal disease (those who require dialysis or a kidney transplant).

Part A is available to people over 65 years of age who have (or their spouse has) worked and paid Medicare taxes for at least 10 years. You would also be eligible if you are eligible for Railroad Retirement benefits. If you or your spouse worked but did not pay Medicare taxes, you still may qualify. Check with the Social Security Administration. You can also visit the website for more information go to:

Medicare has two parts, simply called Part A and Part B. There are others but these are the main ones. Let’s talk about what Part A covers first. After that, you will see why having Part B is so important!

A quick chat about Part A

Medicare Part A covers your stay in the hospital if you are admitted by a doctor’s order and that order must state that you need inpatient care for your illness or injury, what that illness or injury is, and a Medicare Board will approve those reasons, or not.  The hospital must be one that accepts payment by Medicare. Believe it or not, some hospitals do not accept Medicare.

Your cost for most of that hospital stay “covered is by Medicare A” but there are occurrences and things needed during the hospital stay that are not covered!!

Right off the top, there is a deductible of $1556.00 as of 2022. Also, coverage can often be only 80% of the total bill.

There is a “Copay” cost. The first 60 days you are confined to a hospital under doctor’s orders (that are approved by a review board, I must again add.) has no cost for that copay. Heaven forbid you have to stay longer than 60 days!

Days 61-90 the coinsurance, or copay, cost is $389/day.

Beyond that 90 days, beginning day 91, there is a fee of $778 for each “Lifetime reserve day”.

(I must figure that one out. Not sure how to define “Lifetime Reserve Days”).

AND once you use up all the “Lifetime reserve days” there is no further coverage. You must foot the rest of the bill.

Medicare will not cover a private room, private duty nursing, television (if there is a separated charge for that), or personal care items like the razors and socks or the other items you would find in your “admission pack” that is presented to nearly every patient admitted.

During your hospital in-patient stay, your medications will be covered IF there is a “Diagnosis Code” listed in your chart that shows you require that medication.

I wasn’t clear on the ruling that Medicare only covers doctor services you receive while in the hospital at 80% and only if you have Medicare B. It sounds as if doctor services, when they visit you in the hospital, will not be covered if you only have Part A.

Admission to a psychiatric hospital is limited to 190 days only throughout your lifetime. That is another subject, though.

LIFETIME RESERVE DAYS: I found this information at lifetime reserve days – Medicare Interactive. You have a maximum of 90 days per year, your benefit period, that can be used for hospital stays. That 90 days will renew each benefit period. Unfortunately, sometimes 90 days in the hospital are not enough. Once those 90 days are exhausted, Medicare allows an additional 60 days to use for the rest of your life; not per benefit period. Those are your Lifetime Reserve Days. The Lifetime Reserve Days will also cost you about $742/per day ($778 was quoted on another site). Once those 60 days have been used, they are gone; never to be used again. You might need 1 or 2 days for a stay or you might need an extra week, or even more. At any rate, once you go through those “semi-gifted” days, you will only have the annual 90 days a year for any in-patient hospital stays. Just hope your hospital days total less than 90 days per year.

Things change a little if you need to be admitted to a Skilled Nursing Facility after your hospital stay. I’ll cover that in my next post.

Catch you all tomorrow!

almost another year has passed.

So, almost another year has passed since my last entry here.

I have been writing another book. And editing! I don’t know which takes up more time.
Yes, I do. I know what takes up much of my time. Playing video games. Nonproductive, time-consuming games.

My latest fascination is with Farmville2. I am busy crafting and cooking and growing crops and animals and now sea creatures. There is also fishing! And there is gathering. Playing this game makes me realize just how much strategic planning is involved in farming to sustain the business.

There is a balancing act of all activities involved including selling. Accepting contracts to sell or declining business to make a better deal down the line or declining business just because you don’t have the time or space in your barn or silo.

There are also contests for individual players and for teams, aka Co-ops. My co-op is less than desirable. Well, it was, until I started single-handedly winning some events. Now there are two other players so we should be a killer team. Not. Still me holding the fort. And ya know what?

I don’t earn a dime. I just waste time.

This is a lesson learned. From playing games, no less.

No one can reach your goal but you.

No one can decide your path but you.

You may have people or conditions that assist you or even stand in your way, but You are the main player. You have to decide whether to stay in the game (apply your situation here).

You set your goal. You decide the path you will follow. You decide how far you will go along that path before turning back and re-evaluating your goal or the path.

“Everything is a choice”, I’ve heard it said.

Well…sometimes things that happen are not your choice. Things happen because there are other factors in the world influencing forces beyond your control.

How you decide to respond is a choice.

What you decide might involve cutting contacts or reducing involvement with a situation or individual. You might have to seek advice elsewhere. It isn’t easy but nothing worthwhile is ever easy.

Just know that you are rarely alone on your journey through life.

Until next time…

OH! Please check out my other site On that site, Please follow me and enter your email. I do not chase people. I would just like to expand my notification list so I can let you know when my next book will be available on Amazon. It’s very important that I can show a potential literary agent that I do have a following. THANK You!!!

Before another year passes…

I know you missed my ramblings. I just want to let you know that I have another page, an author page, Flo Radke, Author. AKA

On that blog is more rambling but the ramblings are getting wrangled into some sort of format to become a publishable book.

Mosey on over. It will be easier for me to keep up with one on a regular basis than to come up with topics for two sites. I will maintain this page too for other topics and conversation starters.

Try this link> and follow me there.

Let me know if it doesn’t work and I will investigate.




Time management or lack thereof.

Did ya miss me?

I have completely missed August.

It happens.

Let’s open a discussion on Time Management.

Calendars are a must. It is wonderful to see a full calendar. It means you are constantly productive, right? Nope.

A full calendar can keep you on track OR, if you’re a premier procrastinator to which I have reverted, it can simply make you tired as you try to adjust and readjust your appointments in order to fit your procrastination schedule.

Have I hit home with anyone?  If so, tell me about it in the comments below. I would love to create a discussion about how one can fight the urge to put off until tomorrow what could have easily been done today.

More later!  😉


Well this is just silly.

It seems like I haven’t had anything so say for… what… 2 months… no wait…

Since March 8, 2018!!!! Holy Cowabunga!!!  I’ve got plenty to say but how to say it and stay on track?

I must review the topics I have covered but first >>>

Tale of Two Tails is in its final review with added photos and more stories of our two puppies.

The PayPal link is active. Pre-order the eBook for $5.00.  I will send it as an attachment in a Word document. Be sure to send me your active email address or message me on Facebook.

The Half of the profits will go to the no-kill facilities.

The remaining profits will be saved for printing costs for books that can be distributed during fund raising campaigns for those facilities.

Bee looking out for another blog site from me… Maybe… It might be called Radke Reading if I can get that domain name. That is also my new email address for people interested in my stories and books.

After the site is up and running, any book info will be at that site… as soon as I get it developed. I will be giving sneak peeks at future books, too!  You will still be able to order from here since the PayPal link is on this one. I am going to try to link the two sites.

Let’s see. I have written a bit about Career options, choices and consequences, and flipping houses. No wonder I stopped blogging. I am still in shock reliving the house flipping ordeal.


Let’s start over.  Something lighter and a bit more fun.

STAY TUNED!  I will be back tomorrow, if not tonight!

❤  ❤ ❤ Flo