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For example, you may want to suggest that your sister put a simple plan into writing. The plan should outline how she wants to live. It's important for your sister to consider who is going to take care of her, if there's an emergency, or, if she needs someone to drive her to or from doctors' appointments. Do you have such a plan for your own long-term care? Perhaps this is something the two of you can do together. Your sister is not too young to start her plan. In fact, age 78 is an ideal age to put a plan in place, and, even to consider moving into a senior living community. .Medicare Advantage plans. Medicare Advantage plans are administered by private insurers and cover all your Medicare Part A hospital, Part B doctors benefits. Many include Part D prescription drug benefits as well. They may also include coverage for benefits that aren't covered by Medicare, like vision or hearing services, as part of the premium, or you may pay extra for the coverage. You can enroll during your initial Medicare enrollment period or during the fall Open Enrollment Period that runs from October 15 through December To learn more about Medicare Advantage plans in your area, check your 2014 copy of Medicare & You. Call Medicare toll free at 1-800- MEDICARE ( 7) or visit Medicare.gov. .Estimate healthcare cost increases of at least 7% to 10% a year. Recently there has been news of a slowdown in healthcare costs. While that's good, overall Medicare costs still increased about 6 percent and in the past two decades the rate of increase was often about 10 percent per year. To keep a lid on your costs, make sure you compare health and drug plans annually during the Medicare Open Enrollment period that starts October 15th and ends December 7th every year. Switch when you can find a better plan. … Continued
Legislative Update Week Ending June 17 2016
In the past, supplemental benefits offered by MA plans were only required to be primarily health related and typically included dental, hearing or vision benefits. Starting in 2019, new supplemental benefits must be medically appropriate and recommended by a licensed provider as part of a care plan, and not offered simply to induce enrollment. Examples of the new supplemental benefits include adult day care services, in-home support services, home and bathroom safety devices, transportation, and home-based palliative care. However, to qualify for these benefits, you must be diagnosed with a condition for which these benefits are necessary, and the benefits must be listed by your physician as part of your plan of care. .Healthcare would be more efficient and convenient for patients. Value-based payment systems provide incentives for health providers to make it easy for patients to get all the services related to managing their condition in one "medical home." Payments to providers are "bundled," covering the patients' full care cycle, or for chronic conditions covering longer periods of time like a year or more. .Much of the debate over federal deficit reduction plans has been focused on overhauling Medicare and making changes to Social Security. But a major funding change is also under consideration for Medicaid, the federal and state program that covers medical care for lower-income individuals including seniors who also receive Medicare. As federal and state governments struggle to address Medicaid funding shortfalls, TSCL is concerned that Notch Babies, and the families who provide care for them, would be among those who would be hit the hardest by funding cuts. … Continued