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Sign-up for the Affordable Care Act starts in October with the bulk of the law, known as Obamacare, taking effect starting in January 2014. For most seniors, no action is necessary as Medicare will cover most of their needs. But for those between 50 and 65 years old, and for wealthy seniors, all the talk about the Affordable Care Act is extremely confusing. So let’s try and answer some of the important questions you and your family may have here. Some of the details will be different in each state – specifically the prices of the different hea...
Confusion is common when laws change. And that may be even more true with health care reform, since nobody – including those in Congress who created the law – seems to understand it. One thing is certain, scam artists are out there taking advantage of the lack of knowledge to steal from trusting victims across the country. “There’s been a rapid increase in scams exploiting the confusion over health care reform,” confirmed Jim Quiggle, the spokesman for the Coalition Against Insurance Fraud. “People are uncertain what it means to them and sw...
I just thought you might want to know that on Wednesday, August 14, Social Security celebrated 78 years of providing retirement security to older Americans. In this time of financial uncertainty, when other sources of retirement income such as pensions and savings are increasingly out of reach for many Americans, Social Security is more important than ever, especially for those who do not have any other retirement income. July 30 marked the 48th anniversary of the establishment of Medicare and...
How will the health insurance Marketplace that starts in 2014 affect my Medicare coverage? The Health Insurance Marketplace is designed to help people who don’t have any health insurance. You have health insurance through Medicare. The Marketplace won’t have any effect on your Medicare coverage. Your Medicare benefits aren’t changing. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you’ll still have the same benefits and security you have now, and you won’t have to make any changes. The Marketpla...
Older adults are remaining healthier later in life Life expectancy has increased significantly over the past two decades in the United States and more Americans than ever before are living well into their eighth and ninth decades of life. Now, a new study is showing that Americans are increasingly healthier later in life. “With the exception of the year or two just before death, people are healthier than they used to be,” said study investigator David Cutler, who is with Harvard University, Bos...
Suicide among senior citizens is a major health problem, according to the Centers for Disease Control and Prevention (CDC). Many seniors have depression symptoms that are not properly diagnosed which leaves them vulnerable to suicide attempts. Every year, more than 36,000 Americans take their lives, says the CDC. From all these deaths, the age group with the highest rate of suicide is among those over age 65. Another 465,000 had to have medical treatment because of their failed attempts at killing themselves. Seniors who tend to try suicide...
Ever forget to take your pills or simply fail to measure your blood sugar or some other routine health care daily chores? Would it help you remember if you knew that a nurse was coming by regularly to check in and make sure you were doing what you were supposed to do? Simple things sometimes can be revolutionary. A Medicare experimental program, being tested in Doylestown, Pa., that brings a nurse to regularly visit you for continued care – even when you aren’t seriously ill – has been given an 18 month reprieve from being shut down. If it is...
This column will be an introduction to the new Health Insurance Market Place, also known as the health insurance exchange. I will be writing about Alaska and its income limits, however if you live in another state, you can get your financial information by going to www.medicare.gov on the Internet and looking up your state. The Health Insurance Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and also...
Direct-care health aide — helping the elderly bathe, dress and eat — is the fastest growing occupation in the U.S. But the labor shortage is dire. As the baby boomers age, this sector of health care faces a dangerous shortage because the work is surely not “easy street” and the pay is crummy. Aides are often bitten, kicked or cursed at by patients with dementia. Nursing homes and in-home health care agencies are struggling to find help, and about 20 percent of the workers in this field of care are more than 55 years of age and eager to retire....
Since Medicare Part D went into effect in 2006, prescription drugs have been an integral part of the Medicare benefit package. So, the question of how seniors can save additional money on medications often comes up, but so does the question of how the entire Medicare Part D program can be more cost-effective and save taxpayers money without jeopardizing enrollee benefits. Q: Will closing the Part D “doughnut hole” really save beneficiaries money? A: Many seniors may not be aware that the infamous “doughnut hole,” or gap in coverage, is closing...
I would like to reiterate, for all the Affordable Care (ACA) skeptics, the many benefits of ACA: 1. Health care plans now must allow parents to keep their children who are under the age of 26 on their family health coverage. (The exception in Alaska is because our governor has decided that the Alaska Care Retiree Health plan is not subject to that provision.) 2. The new 80/20 law means that insurance companies cannot spend more than 20 percent on administrative costs and must spend at least 80 p...
If a person has had their diabetic testing supplies delivered by a local home medical supplier in the past, they need to know the rules are changing around purchasing and paying for diabetic testing supplies. As of July 1, 2013, if diabetic supplies are delivered to the beneficiary’s home by any method they would not be included as part of the covered benefit under the Medicare program, unless they are being delivered by one of the National Mail Order Program Contract Suppliers. So beneficiaries have two options: They can either have their t...
A free seminar, “Medicare and the Affordable Care Act,” will be offered Aug. 13 at the Anchorage Senior Activity Center from 1 to 3 p.m. Space is limited so RSVP by calling 770-2028....
After five days in the hospital with a fractured spine, Jean Arnau was discharged and needed to transfer to a skilled nursing facility for rehabilitation. Only then did her family find out that she had never been formally admitted as an inpatient to the hospital. While the care the 84-year-old Rhode Island woman got was exactly the same, she had been classified as an outpatient under “observation” – a status that cost her thousands of dollars more than she would have paid if she had been admitted as an inpatient. The same thing happened to Lo...
Congratulations to Rita Hatch, who was announced in May as the winner of this year’s Ron Hammett Award for outstanding service to seniors in the Anchorage community. Rita was presented the award at the Older Americans Month kick-off event May 2 at the Anchorage Senior Activity Center. Ron Hammett was a well-known advocate in Anchorage, having served on the Senior Citizens Advisory Commission, was board chair for the Anchorage Senior Center, and volunteered for AARP. It is fitting Rita be honored...
Editor’s note: This Dept. of Health and Human Services press statement was received on May 9. On May 9, Health and Human Services Secretary Kathleen Sebelius announced new funds to help more uninsured Americans enroll in affordable health insurance coverage made available by the Affordable Care Act. In Alaska an estimated $1.78 million is available to support 25 health centers’ enrollment efforts. Nationwide, funding of approximately $150 million will expand the efforts at community health centers to provide in-person assistance to help enr...
The Medicaid Expansion bill, which our Governor is opposing, would be a great benefit to the state for one simple reason. The Affordable Care Act is now a fact of life. It is not going away and not participating in it means that indigent patients enter the health care system through emergency rooms, which is far more expensive, and not through doctor’s offices. If these people were allowed to be on Medicaid, they could see a doctor and have access to preventive care and not become a high cost p...
If you are a Medicare beneficiary or someone who helps people access medical equipment or supplies such as oxygen equipment, diabetic supplies or wheelchairs, you should know about a Medicare program called Durable Medical Equipment, Prosthetics, Orthotics and Supplies (DMEPOS) competitive bidding program, that saves money for taxpayers and people with Medicare. Under this program, providers of certain medical equipment and supplies submit bids which Medicare uses to set payments that are lower than the price that is currently paid for these...
The world is an economic mess. People with means are doing fine but they are a small portion of the population. We here in Alaska have not been hit as hard as parts of Europe but some of our older residents have changed their expectations. The March copy of the state Dept. of Labor Economic Trends show that Alaskans in the 55 to 65-plus age bracket are increasingly participating in the overall labor force. The percentage of increased participation is up about 6 percent for 2011 compared to previous years. It is more likely than not that the inc...
President Barack Obama took a political gamble at the beginning of April by proposing to curb the growth of Medicare and Social Security. In upsetting his liberal political base, Obama hopes his concessions will draw rank and file Senate Republicans into a budget deal that, so far, has proven elusive. Obama released his proposed $3.778 trillion budget recently, for the fiscal year beginning in October – the first salvo in a long process full of political gamesmanship, partisan rhetoric and hopefully, ultimately, an agreement on a broad d...
Tax time has just passed. For many people, that’s a time to take stock of finances and to start planning for the future. That should include plans in case you or a family member need long-term care. It’s a tough topic. But if you plan ahead, you’re more likely to get the kind of care you want. Here are some questions and answers to help you jump-start the process. If you need long-term care, what are your preferences? Once, long-term care meant staying in a nursing home. Not anymore. Today, there are assisted living facilities, retir...
Just as many retiring baby boomers are seeking to buy long-term care insurance, the companies that provide it are making it more difficult to purchase by raising premiums, weakening coverage and charging women higher rates than men. According to data from the American Association for Long-Term Care Insurance, premiums have risen dramatically in just the last year, by an average of 10 percent for couples and 20 percent for singles. Alternatively, more companies are giving customers the option to...
Understanding your benefits and knowing your hospital status (whether you are an “inpatient” or “outpatient”) can help determine what you pay out-of-pocket or if your services will be covered by Medicare. Medicare Part A (hospital) provides coverage for services as an inpatient when a doctor formally orders your admission to the hospital. Medicare Part B (medical) covers outpatient services such as emergency room services, outpatient surgery, lab tests, x-rays and observation services, and the doctor has not admitted you as an inpatie...
Healing wounds in Anchorage I would like to tell you about a wonderful service I discovered in Anchorage. It is called the Wound Center and is run by registered nurses, who work under a physician’s orders. The center provides care services for a variety of wounds such as those caused by diabetes and related complications; leg wounds caused by impaired circulation; non-healing surgical wounds; burns and frostbite and wounds caused by infection or pressure and mobility deficits. Staff assist with...
Changing drug plans allowed only in some situations I hope that everyone who is on the Medicare Part D drug program has gotten into the best plan they could find because they will not be able to change into another plan until next October, unless they are also either on Medicaid or an Extra Help Program from Social Security. When the new low-income guidelines are published in February (or March) you may find that you might become eligible and then you can apply for the Extra Help program....
