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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.
Share a few details and we will match you to trusted home care in your area:
I would hope your parents are already on Medicare. If not, there will be a penalty for not taking it at 65.
Insurances are very confusing. You need to understand straight Medicare with a supplemental vs Medicare Advantages.
Where I live our Office of Aging can help you understand what is the difference and help u find a policy that fits ur parents needs. They maybe able to help u find aides.
Get them on Medicare and get them a supplement, probably Plan g. Then get them Part D drug plan. Humana or Wellcare. If they are low income then medicaid.
Top Tier Drugs are terribly expensive and sometimes it seems like if a person could only be on Medicare they would have it made. Not so. Part D of Medicare outlines the rules for pharmacy. There are many plans available. They are not all the same price.
There’s something called “extra help” through Medicare for help with drugs. I’m sure it won’t be easy to qualify for the help but take a look. Here is a link.
A word of caution. Insurance can be very confusing. There are tv ads that make it seem like all you have to do is switch to one of the Medicare Advantage Plans and all will be well. It’s very discouraging to see Medicare aged celebrities masquerading as our friends advertising things like reverse mortgages and insurance plans that aren’t what they seem. Make sure you dig deep before making any changes to your parents plans. . It’s very easy to go from original Medicare to an advantage plan but not so easy to switch back when you realize with health issues you would have done better on original Medicare. Just mentioning this in case you look into that. I’m sure those plans work for some people.
I would suggest you get a complete list of your parents drugs from their pharmacy. This print out will show when they got the drugs, dosage, doctor and price paid. Be aware that what was paid last year may not be the same for 2020. But it will give you an idea of what they are taking. In fact drug plans went up for 2020. Discuss with your parents doctors the importance of each drug if a decision has to be made to cutback on one or the other. Sometimes doctors have samples that can help stretch the budget.
There may be combo drugs that are less expensive than the two separate drugs. And oddly enough sometimes the two sep drugs can sometimes be cheaper than the combo drug.
You can look online at the drug Plan website or in your formulary book to check the prices on what your parents will pay this year.
There are online programs that can compare the different drug plans. Be sure to enter all drugs your parents take.
Most companies offer a lower premium plan but you will have a larger deductible. Or higher premiums and lower deductible. I chose the one with higher deductible and lower premium for myself because I take no maintenance meds and seldom need a prescription filled.
Also you can try the drug discount cards. Occasionally they are quite a bit less than the insurance price. GoodRx is an example.
Mail-order is usually slightly less than the pharmacy price. Some people get their meds from Canada. If your parents are eligible for Medicaid in their state then they will pay the lowest price. This generally means your parents are indigent or very low income in order to qualify. You can call the Area Agency on Aging for the County where they live and discuss services that might be available to help your parents or their caretakers in other areas if not prescription drugs.
The best plan for those of us who are able is to exercise and eat a healthy diet. Drink plenty of water. Keep a healthy weight. Sleep well and stay away from doctors and meds. Some meds are truly life saving. Some not so much. Oh and sometimes you can contact the drug company and ask for help. I hope this information is helpful. Remember to read the mail that comes in from the insurance company as the rules change from time to time.
Excellent information. Like you, it makes me so angry about all these tv ads It makes the elders think those programs are so great. But they’re really not. I just went on medicare in December. I chose straight medicare and a supplemental plan. And of course, part d. Thats what will work best for me and my budget...
Your profile indicates your mom is 84? How do you know she isn’t already on Medicare? As far as Medicaid eligibility, it’s income based. If your parents are in the same state as you then we have medi-cal which is our version of Medicaid. If their income is above the limit for Medi-cal, look in to a prescription drug plan.
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.
Insurances are very confusing. You need to understand straight Medicare with a supplemental vs Medicare Advantages.
Where I live our Office of Aging can help you understand what is the difference and help u find a policy that fits ur parents needs. They maybe able to help u find aides.
Part D of Medicare outlines the rules for pharmacy. There are many plans available. They are not all the same price.
There’s something called “extra help” through Medicare for help with drugs. I’m sure it won’t be easy to qualify for the help but take a look.
Here is a link.
https://www.ssa.gov/benefits/medicare/prescriptionhelp/
A word of caution. Insurance can be very confusing. There are tv ads that make it seem like all you have to do is switch to one of the Medicare Advantage Plans and all will be well. It’s very discouraging to see Medicare aged celebrities masquerading as our friends advertising things like reverse mortgages and insurance plans that aren’t what they seem. Make sure you dig deep before making any changes to your parents plans. . It’s very easy to go from original Medicare to an advantage plan but not so easy to switch back when you realize with health issues you would have done better on original Medicare. Just mentioning this in case you look into that. I’m sure those plans work for some people.
I would suggest you get a complete list of your parents drugs from their pharmacy. This print out will show when they got the drugs, dosage, doctor and price paid.
Be aware that what was paid last year may not be the same for 2020. But it will give you an idea of what they are taking. In fact drug plans went up for 2020.
Discuss with your parents doctors the importance of each drug if a decision has to be made to cutback on one or the other. Sometimes doctors have samples that can help stretch the budget.
There may be combo drugs that are less expensive than the two separate drugs. And oddly enough sometimes the two sep drugs can sometimes be cheaper than the combo drug.
You can look online at the drug Plan website or in your formulary book to check the prices on what your parents will pay this year.
There are online programs that can compare the different drug plans. Be sure to enter all drugs your parents take.
Most companies offer a lower premium plan but you will have a larger deductible. Or higher premiums and lower deductible. I chose the one with higher deductible and lower premium for myself because I take no maintenance meds and seldom need a prescription filled.
Also you can try the drug discount cards. Occasionally they are quite a bit less than the insurance price. GoodRx is an example.
Mail-order is usually slightly less than the pharmacy price.
Some people get their meds from Canada.
If your parents are eligible for Medicaid in their state then they will pay the lowest price. This generally means your parents are indigent or very low income in order to qualify.
You can call the Area Agency on Aging for the County where they live and discuss services that might be available to help your parents or their caretakers in other areas if not prescription drugs.
The best plan for those of us who are able is to exercise and eat a healthy diet. Drink plenty of water. Keep a healthy weight. Sleep well and stay away from doctors and meds. Some meds are truly life saving. Some not so much.
Oh and sometimes you can contact the drug company and ask for help.
I hope this information is helpful. Remember to read the mail that comes in from the insurance company as the rules change from time to time.