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What Goes into Assisted Living Costs?

You may be wondering why the cost of an assisted living facility for your elderly loved one seems to vary greatly from one place to another. There are several factors that go into determining the costs associated with assisted living. Here are a few of the factors that can affect those costs.

Negotiate for Better Rates

We are used to haggling over the price of a car or a home. It is part of the buying process. What about doing the same with an assisted living facility? While you might not think of it at first, negotiating a price for assisted living care happens all the time. Prices are more flexible than you might think and some negotiation could save your loved one money in the long run. Here are some tips for good faith negotiation with assisted living care facilities.

Gap Insurance Under Age 65

Gap insurance is there to cover the difference between what Medicare covers and what you, the patient are responsible for paying. For seniors over the age of 65 who fully qualify for Medicare there are quite a few different gap insurance programs for you to choose from. What about those under the age of 65?

Enrolling in Medicare while still employed by a Small Company

Many people over the age of 65 are choosing to remain in the workforce. As Americans we are living and working much longer than previous generations. While this is a good thing, you may be faced with a decision of staying on your small company’s insurance plan or enrolling for Medicare. Here is how this will work.

Medicare and Dental Coverage

You may be wondering about what kinds of dental benefits Medicare offers. Unfortunately, there are no built in dental benefits for Medicare. This means that if you are relying solely on Medicare for all of your health benefits you may be stuck with a hefty dental bill should you need work done. There are some alternatives for seniors seeking dental coverage.

By |September 27th, 2015|Cleveland Ohio Elder Care, elder law, Ohio Medicare|0 Comments

Medicare Benefits Have no Pre-Existing Condition Exclusions

Many insurance providers have what is called pre-existing condition exclusion. This means that the level of service that is provided to you from that insurance company can change based upon your health. This is not the case with Medicare.

The Benefits of Medicare

There are a lot of horror stories about how awful Medicare can be. As with any program there are issues with Medicare. In general the system works very well and provides excellent care for millions of seniors. If you are worried about going onto Medicare, then here are some things that should provide you with a little piece of mind.

By |September 23rd, 2015|Cleveland Ohio Elder Care, Ohio Medicare|0 Comments

Medicare Part D Low Income Subsidy

Health insurance is expensive. This doesn’t change the older that you get. However there are some government programs that can help. One that is available is a low income subsidy that can help to cover Medicare Part D.

By |September 21st, 2015|Cleveland Ohio Elder Care, Ohio Medicare|0 Comments

Enrollment Penalties for Medicare Part D

Many seniors today are planning on working much later into their lives than previous generations have. Because of this many of the rules regarding Social Security and Medicare benefits are a bit confusing. For example, what happens with a senior who continues using their work’s high deductible health care plan past the age when enrollment into Medicare is required?

By |September 19th, 2015|Cleveland Ohio Elder Care, Ohio Medicare|0 Comments

HSAs and Medicare

Do you or your spouse have a health savings account or an HSA? They are a great benefit that can be coupled with a high deductible insurance plan that is offered by many companies. You may be wondering how your HSA might interact with Medicare or Medicare benefits. Let’s take a look.