26- Jul2016
Posted By: Tony Fischer

What Is A Senior Care Plan

No doubt about it America is getting older.  The largest generation this country has ever known is speeding toward retirement and the government is not prepared.  According to the Administration for Community Living the number of people over the age of 65 will surpass 55 million by 2020. As a result, Medicare and Medicaid programs are scrambling to find ways to reduce cost and get better outcomes for the American tax dollar. Often that includes closing loopholes and cutting back on benefits that seniors used to count on for retirement. It is more important now than ever to have a senior care plan to address these factors.

Baby Boomers are demanding more of healthcare providers than ever before.  The demand for more choices and better control over their healthcare has led to innovations in service and technology.  Once again the Baby Boomers are changing an major American industry.

But all of this breakneck change presents a challenge. How can seniors and their families plan for the future with such a rapidly changing healthcare system?  Planning!

What is a Senior Care Plan?

A senior care plan combines all aspects of healthcare into one seamless and flexible plan. It is a plan to age in place and remain happy and healthy at home. If done correctly the plan can also save thousands in healthcare costs.

How does all this happen?  A good Senior Care Plan considers all the factors that can affect a senior’s ability to remain at home.

  • Current Health Condition
  • Living Situation
  • Making the Home Safe and Accessible
  • Insurance Coverage
  • Types of Services Available/Needed
  • Cost of Services
  • Family Support
  • Financial Resources
  • Eligible Benefits
  • Legal Authority

It takes all of these factors, evaluates them for need and puts them in a plan that fills in the gaps of support.

Why do I need a Senior Care Plan?

One word…control. Seniors have the right to have 100% control over their healthcare decisions unless a disease like Dementia takes away their ability to make safe decisions. However a good senior care plan can still honor healthcare decisions even when the senior needs someone to help.

Without a senior care plan, an elder could end up in a healthcare setting they didn’t choose all because they weren’t prepared with a plan to handle changes in healthcare condition.  A senior care plan prepares seniors and their families with instructions on how to handle an unexpected accident or hospital stay. Simply put it can keep a simple accident from turning into a costly healthcare crisis.

How can Senior Care Sherpa Help You and Your Family?

Our Senior Care Sherpa’s are experts in the senior healthcare continuum.  They can help you understand services, insurance coverages, costs and develop a plan that meets the challenges of aging head on.

Fill out the form below to set-up a free consultation. One of our friendly and knowledgeable Sherpa’s will video conference with you and develop a senior care plan that meets you unique aging challenges.

22- Jul2016
Posted By: Tony Fischer

What Does Medicare Cover?

Getting Medicare has turned into an aging milestone for most Americans.  For most, getting the government insurance card in the mail means you are officially retired. Every taxpaying citizen of the United States is automatically enrolled in Medicare when they are 65.  In fact you should be getting your care around 3 months before your 65th birthday.

Everyone knows what Medicare is but most still don’t understand what exactly it covers especially when it comes to senior care. This post will give you a brief summary of what types of senior care Medicare covers and for how long.

The Purpose of Medicare

Many assume that because you get Medicare automatically at age 65 that it covers all types of senior care including long-term care. But Medicare was only intended to cover short-term care services like those at the hospital or rehab center. In fact when it comes to long-term care, Medicare’s coverage is very limited and varies based on the type of care being received.

Read Related: How To Pay For Long-Term Care

Medicare is the Default Hospital Coverage for 65 Year Olds and Older

Medicare is the default hospital coverage for folks who are 65 years or older.  The length of stay depends on why the patient was admitted and how they respond to treatment.

Nursing Home Rehab

Today’s nursing homes offer two levels of care.  The level most people are familiar with is long-term care. That is when the patient (referred to as a resident) is expected to stay anywhere from 3 months to multiple years.

Short-term rehab (or Sub-Acute) is they type of care that requires interventions from a physical therapist or registered nursing.  Patients needing short-term rehab may be recovering from an extended hospital stay, stroke, heart failure, Chronic Obstructive Pulmonary Disorder or joint replacement just to name a few.

Doctors often recommend short-term rehab in a nursing home for seniors who cannot keep up with the pace of an inpatient hospital rehab unit.  That is not to say that patients in the nursing home rehab setting aren’t required to show progress.  In fact a patient must show progress and participate in therapy in order to keep their Medicare coverage.

Coverage can last up to 100 days if progress is being shown but even then Medicare doesn’t cover the entire bill.  Medicare covers 100% of a nursing home rehab stay for only 20 days.  If the stay lasts beyond 20 days, Medicare covers roughly 80% with the remaining 20% being covered by a Medi-Gap insurance or coming out of the patient’s pocket.

Home Care

When the senior is ready to discharge from the hospital or nursing home rehab; home care may be prescribed by the doctor.  Home Care is approved in 60-day increments and is typically covered 100% by Medicare. However like short-term rehab coverage the patient must show progress in therapy treatments.

Read Related: Home Care: How It Works.

Outpatient Rehab

If the patient doesn’t require a skilled nursing environment like that of a nursing home or meet the home bound criteria for Home Care, outpatient rehab may be needed.  Medicare covers outpatient therapy but co-payments may be needed depending on the type of diagnosis and length of care.  Check with the outpatient rehab clinic for coverage details.

More Questions?  Senior Care Sherpa Can Help

We are here to help.  Our Senior Care Sherpa’s are experts in senior care and can help you develop a senior care plan.  CLICK HERE for more information about how one of experts can help you.