The basic Medicaid Rule for nursing home residents is that they must all of their income, minus certain deductions, for their care. These deductions include a $60.00 per month personal needs allowance, a deduction for any uncovered medical cost (including medical insurance premiums) and, in case of a married applicant, an allowance for the spouse that continues to live at home if her or she needs income support. A deduction may also be allowed for a dependent child living at home. Continue reading
While we cannot reverse the aging process, it is possible to make a few changes to your daily routine in order to ensure that you live healthier and longer lives. Here are some healthy ways that you can get into that can help you to live the longest, healthiest life possible. Continue reading
Does Medicare cover second medical opinions? The doctor I currently see thinks I need back surgery, but I would like to find out more about other treatment options before I proceed. What can you tell me?
Medicare does pay for second opinions if your current doctor has recommended surgery or some other major diagnostic or therapeutic procedure. Getting a second medical opinion from another doctor is a smart idea. A second opinion may offer you a fresh perspective and additional options for treating your back condition so you can make a more informed decision. Or, if the second doctor agrees with your current doctor’s opinion, it can give you some reassurance moving forward.
If you are enrolled in original Medicare, 80% of the costs for second medical opinions are covered under Part B (you or your Medicare supplemental policy are responsible for the other 20%), and you do not need to obtain an order or referral from your doctor to see another doctor for a second opinion. Medicare will even pay 80% of the costs for a third medical opinion, if the first two differ. Most Medicare Advantage plans cover second opinions too, but you may need to follow certain steps to obtain coverage. For example, some plans will only help pay for a second opinion if you receive a referral from your primary care doctor. Plans also may require you to see doctors in their networks only. If you have a Medicare Advantage plan, you’ll need to call to find your plan’s rules.
When caring for a loved one who has Alzheimer’s or dementia, behavior can be one of the most difficult parts of the daily journey. It’s important to understand that the disease changes your loved one’s brain, and because of these changes, communication problems can arise. Being aware of some of the more common behavioral problems that come with dementia can help you give your loved one the best possible care. Continue reading
Personal Guardian for Minor Children One very important decision for you to make when creating a plan is to decide who would be the guardian of your minor children. When you write your first will, it is very possible that you still have minor children at home. While you may not have 11 children and face the challenge that confronted Shelly and Pat, this is still a very crucial and important decision. Your guardian will raise the children, teach them values, select the schools they attend and perform the functions of a parent. If you do not have a guardian selected in a will, a court may select a person. That person may not share your cultural background, your religion, your general world view, or any other aspects of the character that you think important for the person who raises your children. By selecting a guardian and an alternate in your will, you have a much better prospect of finding someone that you think is the right person to raise your children. Continue reading