Paying For Elder Care: Medicare HMO

Medicare HMO
If you don’t want Medi-gap insurance you can enroll your elderly parent in a Medicare HMO.  He/she has to keep Medicare A & B but they use the doctors and hospitals in the HMO.  One nice thing about an HMO is that it covers preventative care that is not covered by Medicare.  An HMO also covers hearing aides (if you can your LO to wear one), dental care, and eye glasses. You pay monthly premiums to the HMO.


Be aware that if your LO wants to get out of the HMO they have to apply for Medi-Gap insurance which could be more difficult if they develop a new health issue.  They may not get guaranteed access to a policy.
Doctors and hospitals can go in and out of an HMO which may leave you with fewer options.  When you inquire about joining an HMO find out how many doctors have left.  Ask about switching doctors if your doctor leaves or if you are dissatisfied with his/her service.
Since the elderly use so many prescriptions, be sure they can fill your current medications.  Find out how often they update their formulary.  How and who determine what is medically necessary and how can you appeal that decision?  What happens when your LO needs emergency care while traveling beyond the area covered by the HMO?

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  66. Are you providing elder care now?
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    Look at the media. On infomercials or on talk shows there is information on weight reduction…or on how to cook…or exercise gadgets…or investment opportunities…or dating advice…or how to get a job, etc., etc., etc. Have you ever seen anybody tell you how to get an elderly person to sleep through the night? Or how to prepare meals they will actually eat? Or how to reduce the stress that elder care has on the relationship with your spouse and family?

    There are literally millions of people dealing with the issues of unpaid elder care. I want to help them.

    Thanks again for taking the time to comment.

    Sincerely,

    Tom Krahel

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  81. Dear Jenny,

    I’m barely computer literate so I can’t really address your concerns.

    When I started this elder care project I got help from the folks at DotComSecrets.com. They have coaching programs at different levels of support and different prices. They did the design work and set the blog up. They recommended Name Cheap to register the name, Host Gater for web hosting, WordPress for the blog, and Aweber for email support. They may be able to help you.

    They saved me a lot of time.

    However, if you don’t want to go that route, find some 13 year old neighbor and ask him/her. I did that a week ago. I didn’t know how to use my web cam (I told you I was a computer illiterate) and in 4 minutes, with his help, I was up and running.

    The problem I’m trying to solve now is how to respond to comments like the one you left by using email. I copy and paste the readers name to my email message and the email is returned as “undeliverable.” That’s why I’m responding to your comment in this fashion. I asked my 13 year old friend and I’m waiting for his response. In the meantime, can anyone help me?

    Sincerely,
    Tom Krahel
    tom@HomeCareSurvival.com
    631 988 3695

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  84. Dear Nubia,
    I’m not techy either. I have coaches at DotComSecrets.com and they recommended WordPress. WordPress is free, powerful and there is a lot of support both from WordPress itself and from books you can get from the library.
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    Sincerely,
    Tom Krahel

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  94. You and your husband should talk to his doctor. If he is elderly, you might want to consider seeing a geriatrician, a doctor who specializes in treating older patients. When Jill and I first started taking care of her father he was 89 years old and we went to our family doctor. Our doctor would not treat him. An elderly body reacts differently than a younger body to medications and our doctor didn’t want to do any thing that might be harmful.
    Get a notebook and write down all the medications, vitamins, herbal preparations and any other supplements your husband is taking. Write down any allergies or sensitivities he may have had. Write down any previous negative reactions to medications your husband may have had in the past. Write down any issues with tobacco, alcohol, or drugs. Write down any underlying chronic conditions. Write down your questions and then talk with your doctor and write down the doctor’s answers.
    Don’t self medicate.
    Sincerely,
    Tom Krahel

  95. Thx for the help!

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    Tom

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