Medicare Recipients: Potential Drug Savings for Part D Plan Members

Medicare has a program called “Extra Help” that can be a big savings for those who qualify.  Medicare officials are estimating that approximately two million people qualify but have not applied.  In order to get the benefit, one must apply.  If eligible, the prescription savings can be significant.

Under the Extra help program, one qualifies with an income below $16,335 (single), or
$22,065 (married).  Additionally, resources (excluding one’s home, cars and personal possessions) must be worth no more than $12,640 (single), or $25,260 (married).

Once enrolled, the savings are in the premiums, deductibles and low copayments for
drugs.  If you know someone struggling with the cost of their medications, qualify on income, and they are enrolled in a Medicare Part D prescription plan, they can enroll online at the Social Security Website or call 1-800-772-1213.

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Physical Exam or Wellness Visit? Be Sure to Understand the Difference

As a Geriatric Care Manager and Elder Care Consultant, I am often asked to help sort through the details of Medicare coverage.  There are so many things to know and to understand:  Parts A & B, Medicare Advantage (Part C) and Part D for prescription coverage.  Earlier in 2011 we began to see the changes under the new health care law.  One of those changes turns out to have been a little confusing.  Here is why:

Beginning in 2011, Medicare started covering an annual physical exam, or so many thought.  But, as it happens, it wasn’t really a physical exam in the true sense.  What Medicare started covering is a “Wellness Visit,” which is definitely different than a physical exam.

The 2011 Medicare Handbook “Medicare and You 2011” labeled it a “physical exam.”  Logically, many Medicare recipients expected a physical exam.  But a wellness visit is less a physical exam and more of a discussion between a doctor and patient, reviewing a patient’s health status and medical risk factors.  The discussion may lead to referrals to specialists or for further tests.

Because of the misleading information in the 2011 handbook, the 2012 handbook is being updated to reflect the true “Wellness Visit.”  It is also recommended that Medicare recipients specifically request a “wellness visit,” if that is what they are seeking.  It is an annual wellness visit that Medicare will cover.  A physical exam is altogether different, and coverage for it is as well.  For more information on the wellness visit and other preventive benefits under Medicare, see http://www.medicare.gov/share-the-health/.

Kathleen S. Allen, LCSW, LICSW, C-ASWCM, is a Geriatric Care Manager and Elder Care Consultant in the Washington D.C. metropolitan area. She works with seniors and their families, and with organizations and their employees or members to help guide them through the challenges of aging and caregiving.

 

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2012 Medicare Open Enrollment: October 15, 2011 – December 7, 2011

Medicare Open Enrollment is upon us, and for those with Parts C (Medicare Advantage) or Part D (Prescription Coverage), this is the time to review your current plan for changes, and if necessary, find an alternative that fits your medical and financial needs.

Some good news this year is that the premiums for Part D plans are holding steady, and the 50% brand drug discount will continue through 2012.  There will also be a 14%
generic drug discount in 2012.  That means that when you are in the coverage gap for your medications, and you need to buy a brand name drug, the cost to you will only be 50% of the total cost, but the full cost of the drug will count toward your total out of pocket
expense. Similarly, generic drugs will have a 14% discount during the coverage gap in 2012 but the total cost will apply toward your out of pocket costs.

When we talk of Part D plans, out of pocket expenses, and premiums and deductibles, it is easy to get confused.  An excellent online resource for calculating out of pocket prescription expenses can be found at Q1Medicare.  If you plug your drug costs in, it will calculate when you reach the coverage gap (also known as the “doughnut hole”), when you exit, and estimate your total out of pocket expenses for the year.  A picture is worth a thousand words, as they say, and the table that shows on the calculator sometimes explains things far more effectively than an article explanation.

A word to the wise:  Please proceed with this process earlier rather than later.  Past years have shown that the Medicare phone lines get very busy in the final days and the website can slow down when so many people are on it at once.

 

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Villages are Sprouting Up All Over America

With recognition that older adults prefer to age in place in their own homes and in the communities they have known, the Village Concept has taken off across America.  Villages are now operating in 56 communities, and are in development in 120 more.  Each is locally organized and managed, making each unique and reflecting the needs of the local community it serves.

The concept of “a village” was first conceived in 2001 in the U.S. in the Beacon Hill area of Boston.  Designed as an organization of both volunteers and paid staff, villages “are
membership-driven, grass-roots organizations that, through both volunteers and paid staff, coordinate access to affordable services including transportation, health and wellness programs, home repairs, social and educational activities, and other day-to-day needs enabling individuals to remain connected to their community throughout the aging process” (Village to Village Network website FAQs).

Membership in a village means access to a variety of services that may include yard work, pet sitting, transportation to appointments, snow removal, and handyman services, in
addition to access to social and cultural events such as photography classes, art classes and theater events.  Some villages offer reduced priced exercise groups.

Village members pay an annual membership fee to be in the village.  Throughout the U.S., the fees range from $50 – $900.

If your neighborhood hasn’t started a village, and you see a need for it, there are two
good resources to get started:

The Village to Village network website at www.vtvnetwork.org,

And

Beacon Hill Village how-to manual on creating a village “The Village Concept: A Founders Manual” at http://tinyurl.com/6atnqva.

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Alzheimer’s Action Day is Wednesday, September 21

Alzheimer’s Action Day is Wednesday, September 21.  Wear purple to create
awareness and take action to rid the world of this devastating disease.  More info is available at http://www.alz.org/wam/wam.asp#boxHome.

 

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Caring for an Elderly Loved One – More Tips to Help Prevent Falls

Beyond the home safety checklist we use to improve conditions in the home for fall
protection, there are a few more important steps to take for additional protection.  It’s also very important to remember that:

  • As people age, the effects of medications may change.  Ask your physician or pharmacist about the effects of the prescription and non-prescription medications you are taking.  Some medications can cause dizziness or light-headedness that can lead to falls.
  • Vision problems can cause falls.  Be sure to have your eyes checked every year.
  • Exercise helps to prevent falls, especially activities that enhance balance and coordination.  Check with your physician about the physical activity and exercise appropriate for you.  Stay as physically active as you can.
  • Be careful in choosing shoes as they can cause you to trip. The soles should be non-slip and not too thick.
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Seniors and Home Safety – A Guide to Help Prevent Falls

Geriatric Care Managers are often called upon by family and caregivers to conduct an assessment of the older adult, part of which includes assessing the home for safety.  There are many useful lists out there, and one of them is from the US Office on Aging. Below is a summary of their checklist, which can be used to assess one’s home for safety, and reduce the risk of any falls by our loved ones.

Stairways

• Make sure all handrails are not broken and are securely fastened. • Both sides of the steps should have handrails.

Floors and rugs

• Make sure all floor boards are even and rugs, including area rugs, are secured to the floor with tacks, non-skid pads or double-sided tape. • Use non-skid floor wax.

Bathroom

• Be sure that your loved one can move safely in bathroom area, and in and out of the tub or shower. • Remove soap build-up in tub or shower on a regular basis. • Place non-slip strips in bath/shower. • Install adjustable height shower heads. • Mount grab bars at the toilet, bath and shower on walls with secure reinforcements, to prevent the bars from coming loose. • Secure bath mats with non-slip, double-sided rug tape.
Kitchen

• Items used frequently, such as dishes and food items, should be easy to reach.
• If a step stool is necessary, make sure that it has a bar at the top to hold on to.  (Note: Better yet, put every item that is needed on a regular basis in reachable height, and put the step stool away.)

Lighting

•  Place nightlights in hallways, bedrooms, bathrooms, and stairways. • Install light switches at the top and bottom of stairs. • Place a lamp (and telephone) near the bed. • Keep lighting uniform in each room and add lighting to dark spaces.

All Rooms

• Check whether hallways and rooms have obstacles to safe movement. • Move newspapers, boxes, electrical and phone cords, plants, and furniture out of traffic areas. • Store clothing, bed coverings, and other household items where your loved one can reach them comfortably.

Outside of the home

• Repair holes, uneven joints on walkways. • Arrange to have leaves, snow, and ice removed from stairs and walkways. Use salt or sand throughout the winter months. • Make sure outside lighting is working in entryways and other walk areas. • Check that handrails are not broken and are securely fastened.  Both sides of steps should have handrails.

Kathleen S. Allen, LCSW, LICSW, C-ASWCM, is a Geriatric Care Manager and Elder Care Consultant based in Northern Virginia.  She works with seniors and their families, and with organizations and their employees or members to help guide them through the challenges of aging and caregiving.

 

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Emergency Preparedness in the Washington D.C. Metro

Know Your Local Fire Department Contacts

We never know what nature has in store for us, but good preparation can better our chances of coming through an event without total disruption to our health or lives.  Good preparation for a disaster is more possible than ever.  With so much extreme climate activity over the last several years, many national organizations have developed planning resources for our use.  Two resources from the Red Cross and the CDC are referenced in my post of September 4, 2011.  But if you live in the Washington D.C metropolitan area, here are local fire and rescue contacts (websites and/or phone number).  Look up the number for your local fire station or department, and make sure you keep them posted in an easily accessible location and on your phone’s speed dial.

Washington DC:  http://www.dcfd.com/stations.php

Fairfax County:  http://www.fairfaxcounty.gov/fr/deptinfo/frd_locations.pdf

Arlington County:  http://www.arlingtonva.us/Departments/Fire/find/FireFindFindYourStation.aspx

Alexandria City:  http://alexandriava.gov/fire/info/default.aspx?id=4912#201

Prince William County:  http://www.pwcgov.org/default.aspx?topic=040061002900000790

Loudoun County:  http://www.loudoun.gov/Default.aspx?tabid=1409

Falls Church City:  http://www.fallschurchva.gov/Content/Government/Departments/PublicSafety/FireRescue.aspx?cnlid=2079

Prince Georges County:  http://www.princegeorgescountymd.gov/government/publicsafety/fire-ems/index.asp

Montgomery County:  http://www.montgomerycountymd.gov/firtmpl.asp?url=/content/firerescue/phone.asp#C

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Seniors and Disaster Planning – September is Emergency Preparedness Month

Living in Northern Virginia, I and millions of others on the East Coast, experienced the 5.9 earthquake, and then four days later, Hurricane Irene.  In both events, at least where I am, luck was on our side.  While the earthquake shook things good and hard, and Hurricane Irene brought down limbs, trees, and knocked out power in my neighborhood, we know we got off easy.  The power was out for only 13 hours and the sound of quiet was a lovely change.  For others in neighboring states and further north, they were not so lucky, and many will be spending years recovering from the devastation of Irene.

Since then, I’ve been reviewing my own emergency plan, as well as those of my elderly and disabled clients.  As a Geriatric Care Manager, I am responsible for assuring my client’s safety and preparedness for a natural disaster.  And this is the time of year, as September is National Emergency Preparedness Month, that is a great time to sit down and review our emergency preparedness plans, make sure we are prepared, and look at previous events and learn any lessons these experiences offer.

There are ample resources provided by national organizations, and available on the internet to help us prepare. The following two websites offer tools to help prepare older adults and their families for a disaster:

From the American Red Cross:  Disaster Preparedness for Seniors

From the Centers for Disease Control:  Healthy Aging, Emergency Preparedness and Older Adults

If you have not done any emergency planning, please do so now.  If you already have a plan, please take time to review it now.

 

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Relief for Caregivers – Ideas for Getting Help

Sunday’s edition of the New York Times includes an article “Easing the Stress of Daily Care-Giving,” with a question and answer format.  The article, while abbreviated, includes input from many experts in the field of caregiving, and deserves a look.

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