Try: For hospice coverage under medicare part a the individual must have been certified by a physician to have no more than six months to live the person does not have to in fact die within six months his prognosis must just be less than six months of remaining life expectancy medicare will cover two separate hospice periods of 90 days each with the possibility of an additional 60 days medicare part a hospice care covers all services including home health aides and homemaker services physical therapy physician and nursing services two exceptions to the total coverage exist first the beneficiary must pay 5 of the cost of outpatient drugs or 5 whichever is less second the patient must pay 5 percent of the cost of this respite care respite care allows up to five consecutive days of inpatient care to give the patient patient’s primary caregiver some relief while in hospice care medicare will only cover pain relief and symptom control treatments attempting to cure the terminal illness will not be covered information references

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Medicare part a provides home health coverage to be eligible for home health coverage under medicare part a the beneficiary must be unable to leave the home without significant assistance and must rarely leave the home except to obtain medical treatment the home health care must be established and periodically reviewed by a physician medicare part a home health covers several types of services including physical occupational and speech therapy medical supplies and durable medical equipment part-time or intermittent nursing care are also covered however medicare does not cover many of the basic types of care that seniors need to remain at home medicare does not cover 24 hour nursing care and services such as meal preparation or laundry medicare pays the entire cost of covered home health care on exception to this is the 20 co-payment on durable medical equipment wheelchair walkers or hospital beds _____ information references

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Medicare part a provides home health coverage to qualify for this care the individual must meet certain requirements medicare part a requires that the individual must have been hospitalized for at least three consecutive days or received post-hospital extended care services in a skilled nursing facility snf in other words the home health services must start within 14 days after being discharged from a hospital of snf to qualify for coverage under medicare part a one other requirement for home health care is that coverage is limited to 100 visits per spell of illness for example if the individual has a continuing need for home health care medicare part a will not provide coverage past the 100th visit information references

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Medicare part b provides medical insurance to enrollees it helps cover doctors services hospital outpatient care and home health care specifically medicare part b is known for covering doctor’s charges physician services do not have to only be provided in a hospital office visits diagnostic tests performed at outpatient clinics drug administration that cannot be performed by the patient and even second opinions are generally covered by medicare part b additionally medicare part b covers home health services the home health coverage compliments the coverage provided under part a for example part b covers home health services not preceded by a hospital or skilled nursing facility stay medicare part b also provides relatively broad coverage for preventative care information references

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: The elder population is becoming a huge target for all types of financial scams and identity theft as a caregiver and or family member you can follow some general guidelines and tips to help reduce the chance that your Care recipient (cr) will become a "victim " here are some helpful tips to follow take part as much as you can in the finances of the cr this may take some time because seniors in general are unwilling to "let go" of any of their financial decision making you might start out offering to check the cr’s calculations or help with taxes this will help form a bond of trust whereby you oversee more and more of financial management duties look for large deposits expenditures and other unusual activity make a checklist of all of the ways the elderly can become "targets" for scams and frauds include the cr in developing this checklist so that he or she can be informed and on the lookout for suspicious phone calls solicitations and so on watch the cr’s mailbox a mailbox full of promotional material could mean that your senior has become part of a "sucker" list and is considered a potential victim be aware of repeated phone calls soliciting donations scammers like to form a relationship with the elderly who are often lonely and respond to the friendliness and companionship that scammers offer if the phone caller say that he or she is a representative of the government or an official agency request the caller to send a written request on government letterhead with a phone number that can be checked do not reply to "time sensitive" offers that demand an immediate response before the offer expires do not give out any personal information social security number address or phone number bank account or bank routing numbers or credit card numbers over the phone unless you initiate the call and know who you are talking to it is very important that you shred any credit card offers that come through the mail or any personal information that needs to be discarded do not deposit large checks received from an undisclosed donor that request money to be forwarded from the cr’s bank account if the cr is a female living alone and a phone caller requests to speak with her husband the cr should not acknowledge that she lives alone it is not wise to enter numerous sweepstakes check the cr’s living quarters for a large number of packages lying around this could mean that the cr has been enticed into "over shopping" online warn the cr against responding to "door to door" handyman offers place the cr’s phone number on the national do not call list by calling 1-888-382-1222 or by visiting the website www donotcall gov another helpful website is www fraud org elderfraud references adapted from the website www agingcare com – follow the links to featured stories prevent elderly victims of scams adapted from the website www ehow com – follow the links to prevent elder fraud

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Categories: Financial, Maintenance, Fully Aware, Somewhat Aware

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Medicare only covers certain types of procedures and treatments one major exclusion applies to medical services provided outside of the united states medicare does not cover most services outside of the united states there are a few exceptions to this general rule emergency inpatient medical services can be covered if provided in canada or mexico additionally residents of alaska traveling through canada to the lower united states may be covered medicare may also cover services provided when an enrollee has a medical emergency in the united states and the foreign hospital is closer than the nearest hospital in the u s medicare enrollees need to consider these laws when traveling outside of the united states resource for more detailed information visit

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Medicare only covers certain types of procedures and treatments one major exclusion applies to routine care unlike customary health insurance policies medicare does not provide coverage for routine care medicare does not cover most dental care eye examinations or immunizations these are the types of routine care that make up most seniors health care although the routine care is not covered major care in these areas may be covered if necessary for example surgery for cataracts or major dental surgery may be covered one solution to avoid paying out of pocket for the excluded services is to obtain a medicare supplement insurance policy

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Medicare part d enrollment is voluntary and occurs in the last quarter of the previous year medicare beneficiaries who were eligible but did not enroll during the enrollment period must pay a late-enrollment penalty lep to receive part d benefits the penalty is equal to 1 for each month of delayed enrollment and is permanent the penalty raises the monthly premium of part d for beneficiaries if they should elect coverage for example if helen delays medicare part d enrollment for 2 years her penalty will be a 24 percent increase to her monthly premium this penalty does not apply if the beneficiary has another type of prescription drug coverage if the enrollee had "credible coverage " as defined by medicare the penalty will not occur generally if the plan is equivalent to the coverage under medicare part d it will qualify as credible coverage

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: One of the areas medicare part a covers is hospitalization living situations during the hospital stay are an important part of health care generally medicare only pays for semiprivate rooms this means that at least one other patient will share the room medicare will only pay for the more expensive private room if the physician declares it medically necessary medically necessary could mean that the patient’s condition requires isolation or that hospital capacity requires a private room if the individual wants a private room he will have to pay the additional costs

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*This information is listed as a Fact Sheet and is not explicitly medically licensed

Try: Individuals who choose not to buy medicare part b when they first enroll in medicare part a can purchase part b at a later date however by delaying the part b purchase the individual has permanently increased his monthly premium by the length of time he chooses not to enroll late enrollees are subject to a monthly premium increase of 10 for each 12-month period for which they delayed medicare part b enrollment for example if the individual delays medicare part b enrollment for 36 months he will be subject to a premium based on his income plus a 30 late enrollment penalty additionally if the premium increases the enrollee pays the penalty on top of the annual increase reference adapted from the medicare internet website www medicare gov

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*This information is listed as a Fact Sheet and is not explicitly medically licensed