Medicare Questions & Answers: Advice for Caretakers
Advice for Caretakers Q&A
Showing 6 questions
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Navigating Medicare can be confusing. Having someone come in a talk with parents and have a family member present at the meeting so everyone understands the basics of Medicare is vitally important.Plan options and going over the plans and comparing them is extremely important to find the plan that best fits their needs.
It's important that if a Broker comes in to talk with the parent they are simplifying the process and giving adequate time for discuss and questions at the same time building trust that the Broker has the client's best interest at heart.
How can I select the right healthcare company and representative to work with?
A good representative Will usually be very easy to spot ( Medicare agents hub ). If you End up finding someone that you trust then the carrier that you go with becomes Not as important. I have several clients and I can speak from experience in saying that putting them all on the same“good” plan Is not the right thing to do. Every individual is different, And a good representative should match up your needs with a plan that’s best for you.
I'm caring for my elderly parent with dementia. How can I get legal authority to manage their Medicare?
You will have to obtain a valid power of attorney (POA) or a court-appointed guardianship/conservatorship. It should explicitly grant the power to handle healthcare and Medicare-related decisions. If your parent cannot sign a POA, you will have to petition the court for guardianship/conservatorship.If you decide to petition the court, you will need to gather the necessary documents and information required by the state where you reside. You may need to provide evidence of your parent;s incapacity and why a guardian or conservator is needed. The court will likely conduct a hearing and may appoint an attorney to represent your parent's interests.
Why is it helpful to follow up with your parents after discussing Medicare?
Following up regularly will show your ongoing support and commitment to helping them make the best Medicare choices. This ongoing support is a crucial part of the process and will make your parents feel more secure and cared for.
How can you create a comfortable environment for discussing Medicare with your parents?
Excellent Question. Parents often don't want to acknowledge they are getting older!! But it's a must to have a mature conversation about how choosing Medicare properly is vital for the back portion of their lives.Medicare, like so many Health Insurance programs, has variations from year to year. It's important to not assume that we know all there is to know about Medicare and how those choices could affect your future - POSITIVELY OR NEGATIVELY! Whether it's turning 65 shortly, retiring, or being affected by a change of life scenario, etc., finding a PROFESSIONAL who can demonstrate patience and understanding, while helping calm the "fear of the unknown", and prepare them for this journey has to be a priority. It's important now because there is no Underwriting at this time, where there will be when their Open Enrollment period has ended.
Assisting your parents for you has to come from a calm discussion that lets them know you care about how they approach their future. Without healthcare, all their plans for this time of life that they've saved for could be absorbed by getting the wrong plan. It could also lead to a situation that causes them to encumber family members, take from savings and investments that were meant to go to other places, and detract from their quality of life. Let them know you want the best for them and their health, and with these facts in mind, guide them to bring a professional they can meet, preferably face-to-face, so that they are comfortable in the trust of this choice and the service they may need moving forward.
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