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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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We want to be concerned with major expense,not the minor, therefore the annual savings of about $2,000 a year for a HDF vs. a F, will go a long way towards covering the deductible of about $2,160 of a HDF plan
They have already figured most people pay much more for the F plan than it covers for typical claims of $400 to $800 a year across the demographic.
The best time to get the HDF is at turning 65 or if an MED ADV plan drops coverage , or you move out of plan area
Those who do not keep up with Med ADV changes can be caught short. And the seniors children may not grasp this. Look at the Max OOP (Out of Pocket), for Med Adv it may be as high as $6,500 ,vs The plan HDF of $2,160.
Only a few companies and agent will offer HDF (agents produce much less income . vs F)
I am a HDF 'customer' and I offer them to clients, It makes sense.
If you want your Mom to have the flexibility of seeing any doctor she chooses and be covered under original Medicare then she should have a Medicare Supplement to cover the costs that Medicare does not pay. The example that you provided does not speak to her potential financial liability under original Medicare. The biggest potential out of pocket cost lies in the Part B coverage of Medicare where you are responsible for 20% of the costs. In the example provided above, if your mom needed surgery and the surgeon charges are approved by Medicare to be $100,000, then you will owe the surgeon $20,000.
With the Medicare Supplement Plan F, you pay your monthly premium and then the supplement covers 100% of the Medicare approved amounts for the care that she may need. At $205/month this is $2,460 a year - a very reasonable amount to give you and your mom the peace of mind that you won't have any large medical bills.
Do you really need a supplement. My mom has Blue Cross supplement that costs $205 a month. She recently had a trip to hospital in ambulance. No overnight stay but BC only paid about $340 after medicare paid. Mom did not owe anything. But she would have been better off paying the $340 as apposed the 205 a month! She's been paying BC premiums for years and the never have to pay much over and above what Medicare already covers.
Medicare Advantage Plans can drop coverage in any county or state; or drastically change "rules", such as benefits, co-pays, providers & networks, & fees, and deductibles, each year.
An attraction is that some have 'free drug coverage bundled in, A down side is the entire plan uncertainty. Often seniors don't keep up with or or not aware of the yearly change.
In contrast: Medicare Supplements are required by law to offer continual coverage every year, ( it cannot drop you, your state or county, and cannot alter the Plan benefits. They do not offer a bundled drug Plan. The cost for a supplement is usually higher, & one needs to find a part D stand alone drug plan.
Enrollment in a Medicare Supplement is guaranteed issue REGARDLESS of health, if applied for when turning 65 or after dropping employer "creditable" coverage. Supplements cover the (in general) 20% of costs that Medicare does not.
An simplified example (for illustration purposes) a $100,000 Medical bill would leave you with a $20,000 responsibility.
A very cost efficient supplement is Plan HDF (High deductible Plan F),it over time is reasonably expected to save thousands of dollars for seniors, and savings might about double for married couples. It pays after the Medicare Deductible. The Medicare deductibles for 2015 are not yet set but there is some expectations of what they will be. Currently, in 2014 the deductibles are as follows:
Part A deductible: $1,216
Part B deductible: $147
The Medicare deductibles for 2015 are expected to be as follows
Part A deductible: $1,248
Part B deductible: $147
.., and a Plan deductible of about $1, 200
BUT the approximate Medicare Supplement plan HDF (F plans offer extensive benefits including foreign travel), premium for a non smoker male age 65, (in Georgia) is only about $50.00 a month, saving about $100-$150 a month in premium, x 12.
In other words you avoid paying more to cover a small loss, which normally is not incurred each year. (Something like your collision or homeowner deductible), and your savings in monthly premium is used towards your deductible if the need arises.
I have a HDF plan in case you wonder.
{Many Supplement companies do not offer the HDF plan, compare premium costs and you can imagine the reason}.
Medicare A = hospitalizations. This is the only part that is totally supported by your tax dollars and does not have monthly premiums to pay. Medicare B = Physician's services - monthly premiums of about $115 Medicare C = "choice" - your Aadvantage Plans that combine parts A & B. Choice plans are like HMOs, sold by private insurance companies. Medigap = supplemental plans sold by various commercial insurers that help pick up the copays and deductibles. Monthly premiums vary. Medicare D = "drugs" - monthly premiums vary, depending on which level plan you buy
For General Information: Medicare A, plus B, plus any other supplemental plan will pay most of the the costs, depending on which plan you choose.
Medicare Part A is for hospitalizations (generally no charge), B is for the doctors and such (there is a charge), but they both have co-pays. Go to Medicare.gov to compare plans. With Parts A and B, plus the "best" supplemental (without Advantage), which is Plan F, takes care of most bills and co-pays. Each Advantage plan is different, so this is all general information. Some people like their Advantage plans, but these are private plans supplemented by the government. This should be (please check) open enrollment time, which means you can change plans. Please go to www.Medicare.gov for the information you need. Take care, Carol
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.
We want to be concerned with major expense,not the minor, therefore the annual savings of about $2,000 a year for a HDF vs. a F, will go a long way towards covering the deductible of about $2,160 of a HDF plan
They have already figured most people pay much more for the F plan than it covers for typical claims of $400 to $800 a year across the demographic.
The best time to get the HDF is at turning 65 or if an MED ADV plan drops coverage , or you move out of plan area
Those who do not keep up with Med ADV changes can be caught short. And the seniors children may not grasp this. Look at the Max OOP (Out of Pocket), for Med Adv it may be as high as $6,500 ,vs The plan HDF of $2,160.
Only a few companies and agent will offer HDF (agents produce much less income . vs F)
I am a HDF 'customer' and I offer them to clients, It makes sense.
With the Medicare Supplement Plan F, you pay your monthly premium and then the supplement covers 100% of the Medicare approved amounts for the care that she may need. At $205/month this is $2,460 a year - a very reasonable amount to give you and your mom the peace of mind that you won't have any large medical bills.
An attraction is that some have 'free drug coverage bundled in, A down side is the entire plan uncertainty. Often seniors don't keep up with or or not aware of the yearly change.
In contrast: Medicare Supplements are required by law to offer continual coverage every year, ( it cannot drop you, your state or county, and cannot alter the Plan benefits. They do not offer a bundled drug Plan. The cost for a supplement is usually higher, & one needs to find a part D stand alone drug plan.
Enrollment in a Medicare Supplement is guaranteed issue REGARDLESS of health, if applied for when turning 65 or after dropping employer "creditable" coverage. Supplements cover the (in general) 20% of costs that Medicare does not.
An simplified example (for illustration purposes) a $100,000 Medical bill would leave you with a $20,000 responsibility.
A very cost efficient supplement is Plan HDF (High deductible Plan F),it over time is reasonably expected to save thousands of dollars for seniors, and savings might about double for married couples. It pays after the Medicare Deductible. The Medicare deductibles for 2015 are not yet set but there is some expectations of what they will be. Currently, in 2014 the deductibles are as follows:
Part A deductible: $1,216
Part B deductible: $147
The Medicare deductibles for 2015 are expected to be as follows
Part A deductible: $1,248
Part B deductible: $147
.., and a Plan deductible of about $1, 200
BUT the approximate Medicare Supplement plan HDF (F plans offer extensive benefits including foreign travel), premium for a non smoker male age 65, (in Georgia) is only about $50.00 a month, saving about $100-$150 a month in premium, x 12.
In other words you avoid paying more to cover a small loss, which normally is not incurred each year. (Something like your collision or homeowner deductible), and your savings in monthly premium is used towards your deductible if the need arises.
I have a HDF plan in case you wonder.
{Many Supplement companies do not offer the HDF plan, compare premium costs and you can imagine the reason}.
Medicare A = hospitalizations. This is the only part that is totally supported by your tax dollars and does not have monthly premiums to pay.
Medicare B = Physician's services - monthly premiums of about $115
Medicare C = "choice" - your Aadvantage Plans that combine parts A & B. Choice plans are like HMOs, sold by private insurance companies.
Medigap = supplemental plans sold by various commercial insurers that help pick up the copays and deductibles. Monthly premiums vary.
Medicare D = "drugs" - monthly premiums vary, depending on which level plan you buy
Medicare Part A is for hospitalizations (generally no charge), B is for the doctors and such (there is a charge), but they both have co-pays. Go to Medicare.gov to compare plans. With Parts A and B, plus the "best" supplemental (without Advantage), which is Plan F, takes care of most bills and co-pays.
Each Advantage plan is different, so this is all general information. Some people like their Advantage plans, but these are private plans supplemented by the government. This should be (please check) open enrollment time, which means you can change plans. Please go to www.Medicare.gov for the information you need.
Take care,
Carol