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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?
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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.
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I, for one, would like to force whatever congressman who came up with this idea to have all of his family fall into a donut hole and never be seen again. You get hit with having to pay Medicare, and then you have to have a supplement to cover what Medicare does not pay, and then they hit you up for even more money if you get the part D coverage for meds. Sorry if this does not really fit here, but it seems they are out to take every dime we get from Medicare back with all sorts of charges. Sad way to treat people, especially those who are limited on their income. Keep looking for help with the meds, and let us know.
Perhaps it's time to speak with her doctor about whether or not she needs to be on those medications. Discuss ways in which your mother can taper off medications safely. And ask about cheaper generics, or older drugs that might be both cheaper and acceptable substitutes.
If a name brand has a generic, the insurance company will require you to use the generic. The only way you can get a brand name is if there is no generic or the doctor tells the insurance company that the patient can only use the brand name.
Medicare is not the problem, its the prescription plan you have chosen.
Every state is different which Medicare suppliments are allowed to write policies in that state , I suggest u contact your Office of Aging and ask if there is someone who can help you explore your options, Depending on Moms income, she may qualify for a State plan. In NJ its called PADD. Maybe even Medicaid. It may be for a little extra money a month her meds maybe cheaper.
If you end up going with GoodRx, make sure you go online and get a coupon for wherever you are going to get the RX filled. You find them on the GoodRx website.
GoodRx rocks. I was dubious and never had to use it since we have insurance. But then I needed meds for the dog. Dog doesn't have insurance. GoodRx knocked between 50-70% off the price.
These other responses are more informed than I am on this subject; all I have to add is to see if you can get a better price without insurance and with a coupon from goodrx.com. I’ve used it to save hundreds.
Also, in the long term, our prescription drug situation in the U.S. is completely untenable and the result of politicians being bought by pharmaceutical companies. We should all be voting for candidates who unequivocally support single-payer Medicare for All with coverage for prescription drugs and long term care (and that would be Bernie Sanders).
Your doctor. He gets 6% of a lot of prescription costs. Most dementia drugs are completely unproven as whether they help or they do not help. Other drugs that are costly have generic drugs that are old and work as well as the new ones. Tell the doc you need to review drugs and costs NOW as you cannot afford them.
Consider less expensive alternatives. My aunt started off with Aricept and then she was also prescribed Namenda. The Namenda was so expensive on her drug plan. So after searching on line I discovered there was an alternative. I contacted her doctor and asked for Namzeric which is a combo of aricept and Namenda and that year was less expensive on her drug plan than the two separate pills. Now it’s the opposite. The two separate pills are less expensive than the one combo. I was able to get 90 days supply of the two pills for less than only 30 days of the Namzeric.
My mother also has that problem. Mainly with her asthma inhaler. We called the pharmaceutical company and they sent her out paperwork that allowed her to get the medication for free from them. This happened every year. Now she is on generic and haven't had the problem.
bottom line: call the pharmaceutical company and ask for hardship program.
Ask your mom's Medicare Part D insurance co. and her physician to complete a "Tier Exception Request Form" for one or more of your mom's priciest medications. If the Dr. approves the "Tier Exception Request," the Part D insurer will most likely approve it as well. The Dr. explains on the form why the medication is an absolute must for the patient, and asks the insurance co. to move that particular med. from "Tier 4" to "Tier 3," or from "Tier 3 to Tier 2." Alzheimer's, cancer, diabetes, kidney and heart medications are among the most expensive prescriptions, and they are often classified as "Tier 4" in the formulary by the Part D insurer.
My mom's neurologist was able to get her Tier Exception Request Form approved fairly quickly, so now, I pay a $12.95 co-pay for a one-month's supply of Mom's Rivastigmine transdermal patches at Tier 3, instead of a $134.50 Tier 4 co-pay. co-pay.
which insurance company is this? Cigna Healthspring Part D has refused every Tier exception request I have submitted for mom. It's like a joke, you fill them out and they reject each one, like they didn't know they'd reject it at the time they suggest you complete the form. I'd love to know what insurance company actually approves some of these requests.
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.
Every state is different which Medicare suppliments are allowed to write policies in that state , I suggest u contact your Office of Aging and ask if there is someone who can help you explore your options, Depending on Moms income, she may qualify for a State plan. In NJ its called PADD. Maybe even Medicaid. It may be for a little extra money a month her meds maybe cheaper.
Also, in the long term, our prescription drug situation in the U.S. is completely untenable and the result of politicians being bought by pharmaceutical companies. We should all be voting for candidates who unequivocally support single-payer Medicare for All with coverage for prescription drugs and long term care (and that would be Bernie Sanders).
https://www.medicareinteractive.org/get-answers/cost-saving-programs-for-people-with-medicare/the-extra-helplow-income-subsidy-lis-program/extra-help-basics
Also look up her prescription on GoodRX.
Consider less expensive alternatives.
My aunt started off with Aricept and then she was also prescribed Namenda. The Namenda was so expensive on her drug plan. So after searching on line I discovered there was an alternative.
I contacted her doctor and asked for Namzeric which is a combo of aricept and Namenda and that year was less expensive on her drug plan than the two separate pills.
Now it’s the opposite. The two separate pills are less expensive than the one combo. I was able to get 90 days supply of the two pills for less than only 30 days of the Namzeric.
Hope this helps.
bottom line: call the pharmaceutical company and ask for hardship program.
The Dr. explains on the form why the medication is an absolute must for the patient, and asks the insurance co. to move that particular med. from "Tier 4" to "Tier 3," or from "Tier 3 to Tier 2."
Alzheimer's, cancer, diabetes, kidney and heart medications are among the most expensive prescriptions, and they are often classified as "Tier 4" in the formulary by the Part D insurer.
My mom's neurologist was able to get her Tier Exception Request Form approved fairly quickly, so now, I pay a $12.95 co-pay for a one-month's supply of Mom's Rivastigmine transdermal patches at Tier 3, instead of a $134.50 Tier 4 co-pay.
co-pay.