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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
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Mom only has MediCare only right now. Need help in paying prescription costs it does not cover. She is insulin dependent. Where do I start? Mom is just moving into an ALF.
Check with the AL to see what pharmacy they use if they will be managing her meds. Then go to that pharmacy and ask them to review her meds and suggest a Part D plan that will be best for her. Not all pharmacies participate with all plans, so be sure to get one that works with the pharmacy you will be using.
You can apply for Medicaid. If accepted, they could pay for her part b premium Also, go to the SSA website and apply for an Low income subsidy 'LIS', which would help pay her part D premium and some of her meds. In the meanwhile, if your mom has expensive drugs, go to each manufacturer's website and see if they have a patient assistance program, to offer low cost or free medications. Also, you can check needymeds They can sometimes help.
Your mom will need a supplement to pick up where medicare leaves off, it will pay the balance of what medicare doesnt pay. Then you will need the part d plan, thats important for meds. Have your pharmacist run her neds and tell you which woukd work best. I have been taking care of my mom for 10 years so all this medical has a learning curve. Premiums will be according to age, plus if she didnt sign up for part d when she turned 65 there will be a penalty. I switched my mom(91) to atena insurance for part d cause it was cheaper and no detuctable. Good luck, like someone said, every state is different so check with your area aging association!
Also, I believe that if your mother moves into ALF, she may be able to change her part d as often as needed, I know you can in the NH and on Medicaid, but you may want to confirm that.
Try the pharmaceutical assistance programs or manufacturing assistance. Look at needymeds.org. The best resource is your State Health Insurance Assistance program. When she enrolls in a Prescription Drug Plan, she is not changing her Medicare... she is only changing the drug plan. Open enrollment for next year's drug plans is 10/15 - 12/7, and your SHIP can assist you in that regard.
Varuna I believe it is illegal these days to drop a patient because of the cost of treatment. Be careful with United healthcare too because they won't treat a pre existing condition for the first six months. I know it is illegal for them to refuse to cover someone but don't know the legality of making you wait 6 months for treatment. The main benefit of United healthcare is that you can consult any provider anywhere in the country without incurring extra expenses. BCBS has a preferred network and if you go outside that you pay an extra co-pay. In the main I believe all plans allow you to consult any Dr who accepts Medicare but you may have to pay bigger co-pays out of network
Open enrollment starts in October. She should start receiving advertising in the mail. I might suggest going to AARP website or ask around your area to find a specialist in Medicare insurance. I know a few people in my area but the operate in a state specific areas. I would call your local area on aging the will most likely be able to direct you.
You need to contact your local "Hiicap" or "Ship" office. Call your local Social Security office and they can give you the number. These offices help people deal with Medicare and find insurance that best suits their needs based on the medications they take. They are not biased by any specific insurance company. They also can check to see if your Mother is eligible for EXTRA HELP or Low Income subsidy. These are programs that pay for Part D insurance and depending on income the Medicare premium and also lower the cost of the copay for the medications. She also may be eligible for the Elderly State medication program which will help pay for medications and limit out of pocket expense. This is all very complicated and these programs are funded by Medicare just to help folks with these issues. I volunteer at our local Office for the Aging doing this exact program. She should get in touch with them as soon as possible and may not have to wait for Open Enrollment to get help. Generally Open Enrollment is Oct. 15th to Dec. 7th each year and allows you to change insurance or enroll if you don't have coverage for the beginning of the next year. If she is eligible for one of the other programs I mentioned she won't need to wait and can get coverage that will start the 1st of the month after enrolling. Good luck with this. I know it is confusing and frustrating, so I urge you to avail yourself of one of these programs.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
In the meanwhile, if your mom has expensive drugs, go to each manufacturer's website and see if they have a patient assistance program, to offer low cost or free medications.
Also, you can check needymeds They can sometimes help.
Good luck!
Have your pharmacist run her neds and tell you which woukd work best.
I have been taking care of my mom for 10 years so all this medical has a learning curve. Premiums will be according to age, plus if she didnt sign up for part d when she turned 65 there will be a penalty.
I switched my mom(91) to atena insurance for part d cause it was cheaper and no detuctable.
Good luck, like someone said, every state is different so check with your area aging association!
Be careful with United healthcare too because they won't treat a pre existing condition for the first six months. I know it is illegal for them to refuse to cover someone but don't know the legality of making you wait 6 months for treatment. The main benefit of United healthcare is that you can consult any provider anywhere in the country without incurring extra expenses. BCBS has a preferred network and if you go outside that you pay an extra co-pay. In the main I believe all plans allow you to consult any Dr who accepts Medicare but you may have to pay bigger co-pays out of network
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