Easing the Elder Care Burden – 3 Tips

For many families, the thought of caring for an aging parent brings stress and strain. After all, we don’t take Elder Care Solution 101 in school, and many of us may have not grown up in a multi-generational household. It doesn’t have to be like that though. Elder Care can and should be a positive experience. Check out these tips for making caring for an aging parent the kind of experience that changes your life in a positive way.

1. Ask for help – Caring for an aging parent is a significant emotional, physical, and financial burden. Don’t play the martyr by doing everything yourself. Ask your daughter to sacrifice some of her social networking time to spend an hour with Grandma so you can take a long, hot bath.

2. Encourage social activities – A smart elder care solution includes helping your parent find social activities they’ll enjoy. Look in the local paper to find senior activities calendars. Adult day services are another option to consider. These centers allow Dad to stay with caregivers while you work or take a day to go fishing or shopping.

Don’t limit social activities to dropping Grandma off at the senior center, either. Institute a regular family game night, so you, your parent, and other relatives can play board games or put puzzles together. You might also invite him or her to watch your daughter’s volleyball practice.

Social activities are an important part of any caring for aging parent strategy, so don’t let transportation concerns stop your loved one from participating. Look in the city/municipal services section of the phone book to find public transportation for seniors. If those services aren’t available, ask friends and family members to pitch in and taxi Grandpa where he wants to be.

3. Communicate with the medical team – Doctors, nurses, and other health care givers are an important part of your elder care solution. If possible, accompany your loved one on doctor’s visits to make sure you and your parent understand any diagnoses or instructions. Don’t be afraid to ask questions if you don’t understand something or if you and your parent disagree on what the doctor said.

Caring for an aging parent is also easier if you keep copies of health care information, such as insurance policies and medical records. Also keep a list of doctors and medications. Put the information in an easy-to-access place so you can get to it in an emergency.

If you’re involved in planning your family’s elder care solution, it’s also critical to make sure you understand how your parent’s health care coverage, including Medicare plans, work. Confused? The local agency on aging will direct you to resources that can help your family understand the process as well as make decisions. Caring for an aging parent doesn’t need to be a burden. Start down the path to a better elder care solution today.

Popular Medicare Supplement Plans J And F

Medicare supplement Plan F and Plan J are two of the most requested by seniors. The primary reason is these two plans fill in the most gaps that Medicare does not cover. Many supplemental insurance companies offer Plan F, but with the advent of Medicare Part D prescription drug coverage, Plan J can be harder to find. There are only a select few companies offering Plan J.

Medicare Supplement Plan J Coverage

Generally, Plan J is more expensive than the other available supplement plans. However, it offers the most comprehensive coverage available to seniors enrolled in Medicare. Consumers choose Plan J because it covers all eight gaps including:

Basic Benefits

Skilled Nursing Facility Coinsurance

Part A Deductible

Part B Deductible

Part B Excess (100%)

Foreign Travel Emergency

At-home Recovery

Preventive Care Not Covered by Medicare.

Medicare does not cover some yearly wellness checkups like an ordinary group or individual health insurance plan would. Medigap Plan J is the only plan designation that will pay benefits for preventive care visits. It differs from most other plans in that it also provides coverage for recovery time at home – such as a home visit from a physical therapist. Seniors who desire complete coverage usually select the J plan.

Medicare Supplement Plan F Coverage

Plan F is usually a little less expensive than Plan J. It provides coverage for only six of the eight gaps in Medicare. It does not pay benefits for “At Home Recovery” and “Preventive Care Not Covered by Medicare.” Seniors who are on a tighter budget, but who desire nearly complete coverage will select plan designation F.

Other Supplemental Plans

Of course, there are several other supplemental plans to choose from including Plans A, B, C, D, G, E, K, and L. These plans are less expensive than their more comprehensive counterparts, but will provide benefits for the most common claims. Additionally, several carriers offer high deductible Medigap plans. (Supplemental coverage with a high deductible won’t pay benefits until the consumer has reached his or her deductible.) However, the J and F plans remain most popular with seniors who wish to have thorough insurance coverage.

Financial Assistances For Pregnant Women

It is an utmost necessity for pregnant women to eat right and stay healthy for the better development of their babies. However, lack of funds may create adversities in maintaining a good health during the pregnancy phase of the women from low-income or no-income households. This is because of the soaring costs associated with the medical treatment and food. However, pregnant women need not to worry anymore as the federal government organizes various grant programs for them to help with food, health care, baby supplies and many more. If you are pregnant and have difficulties arranging necessary funds, some financial assistance from grants for pregnant women can help you to the great extent.

During your pregnancy, you can benefit from the financial assistance through grants such as Medicaid, CHIP, and WIC.

Medicaid is the U. S Department of Health and Human Services funded health insurance program that enables mothers to access to the low-cost health insurance facilities. Healthcare facilities for children can also be available from this program. However, this insurance facility is provided only to financially unstable pregnant women.

Medicaid enables you to receive prenatal and postnatal care to keep you and your baby in a good condition. Under this program, you can exercise the benefit for 60 days postpartum. Besides, with Medicaid health insurance, you can ensure frequent checkups at the doctor’s clinic and free medicines. Contact your local action community agency to know more about the eligibility criteria for Medicaid.

Children’s Health Insurance Program, or CHIP offers financial assistance with a diagnosis of diseases, routine checkups, X-rays, medicines, dental care and not to mention- mental care for the children up to five years. Hence, it is a great scope for you to seek help from these heath grant programs to pay for medical care for you and your baby.

Whereas the nutritional health of pregnant women and children is concerned, Women, Infant, and Children, or WIC aims at offering financial assistance with nutritional food. By accomplishing your nutritional needs, WIC ensures that you deliver a healthy baby. WIC offers postnatal facilities for pregnant women and breastfeeding mothers. If infants or children are found to be at health risk due to nutritional deficiency, WIC lends its support to improve their health. You can seek support from this grant program too. To know your eligibility, the local grant-making agencies authorized by the federal government can provide you with the necessary information.