I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?

Question

Satoshi Aoki · Accepted Answer

I will assume that you have power of attorney.

First, you will need to understand the details of your father's prescription drug insurance (Part D) and the types(tier) and numbers of medications he is taking.

Next, you will need to confirm where the bill came from and contact the insurance company to find out if the claim is valid.
(I also recommend making a bullet point list.)

Finally, many insurance companies allow you to check the medication status online.

We recommend that you speak to your agent for more information.

Melonie Wood · Answer

It is difficult to answer this questions as there is NO information on what type of paperwork you are having difficulty with. A good agent , like myself can help a member navigate the challenges of bills/ co pay/ co insurances with Medicare

Answered by Melonie Wood on April 2, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

David Bell · Answer

Thank you for taking care of your dad. Know that every medication filled, every doctor visit, etc... will trigger a claim that will make it's way to you in the form of an EOB or Explanation of Benefits. Usually they are sent in batches of a week to a month as the claims are processed. The important thing to look for is the patient responsibility, usually the far right side. As you get bills from the providers you can match them up and know what you need to pay. I usually suggest setting up the companies online portal. They can help you organize and seach EOB's, find in-network providers and understand benefits better. You can choose to not have paper EOB's with most carriers. Save those trees. Sorry, I can't help with stacks of other junk mail you'll be sifting through.

Answered by David Bell on April 15, 2025

Agent Licensed in ID, AZ, CA & 8 other states

Answered by David Bell Medicare Insurance Agent

Don Hudson · Answer

The best person that could help you would be your dads Medicare Agent. They have the understanding and knowledge on how the billing process works. Its always best to use a local agent so they can sit down with you to help you understand.

Answered by Don Hudson on June 4, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent

Diana Salisbury · Answer

Work with an insurance agent or broker to help you understand what type of plan your Dad has. The medications should fall under Part D of Medicare, prescription coverage in either an advantage plan or a stand alone-prescription plan. Maybe the prescriptions aren't covered and you could ask his doctor if there is a generic version of an expensive prescription.

Answered by Diana Salisbury on April 19, 2025

Broker Licensed in OH, IN & MI

Answered by Diana Salisbury Medicare Insurance Agent

David Silver · Answer

1. Get Authorization to Speak on His Behalf
Contact Medicare and his insurance providers to get a HIPAA authorization or become an authorized representative. This allows you to call, ask questions, and manage his care legally.

If not already in place, consider a medical power of attorney or durable power of attorney for broader authority.

 2. Create a Simple Filing System
Use a binder or accordion folder with labeled sections:

Medicare Summary Notices (MSNs)

Prescription drug coverage (Part D)

Medigap or Medicare Advantage plan

Medical bills

EOBs (Explanation of Benefits)

Consider going digital: scan and store documents in Google Drive or Dropbox.

3. Review Medication Coverage
If he's on many medications, make sure he's enrolled in a Part D plan (or Medicare Advantage with drug coverage) that covers his current list at the best cost.

A Medicare agent can help you run a drug comparison to minimize out-of-pocket costs.

 4. Understand the Bills
Medicare Summary Notices (MSNs) arrive quarterly and are not bills — they show what Medicare paid and what you may owe.

Actual bills come from providers. Cross-check them with the MSNs or Explanation of Benefits (EOBs) from the insurance company.

If something looks off, call the provider or insurance — billing errors are common.

5. Get Help — You Don’t Have to Do This Alone
Talk to a local Medicare advisor (I can help) to review his coverage and make sure he’s in the right plan.

Consider contacting a State Health Insurance Assistance Program (SHIP) — they offer free help.

Keep a log of calls and notes from each billing issue.

Shelly Hefley · Answer

Get an agent who can explain what these are and why you may be getting them. It’s important to be able to understand what you are actually responsible for and what could be a mistake or billing error.

Answered by Shelly Hefley on April 17, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Fred Manas · Answer

To manage bills & paperwork for your father's Alzheimer's care, consider establishing a legal representative to manage finances, setting up automated bill payments, & seeking help from a third party like an aging life care manager. This will help prevent late fees, ensure financial stability, & potentially offer clarity on complex billings. Here's a more detailed approach:
1. Legal and Financial Preparations: Power of Attorney (POA):  Your father can grant you a Power of Attorney, which allows you to make financial decisions on his behalf. Healthcare Proxy: This document designates who can make medical decisions when your father is unable to do so. Advance Directives: Ensure your father has also completed an advanced directive, which outlines his wishes for end-of-life care. Legal Representative: Consider naming a legal representative or "proxy" to manage financial affairs. 
2. Managing Finances: Automated Payments:  Set up automatic payments for bills to prevent late fees & confusion. Online Bill Payment: Consider online bill payment options if your father is comfortable with technology. Third Party Help: An aging life care manager can assess cognitive abilities & provide specific strategies for managing finances. Account Monitoring:  Monitor accounts for unusual transactions & consider using account monitoring services. 
3. Handling Bills & Paperwork: Designated System:  Create a system for organizing bills, such as a file folder or digital storage. Clear Communication:  If possible, involve your father in the process & explain what you're doing.  Keep Records: Keep records of all payments & important documents.  Seek Professional Help: Consider consulting with an elder law attorney or financial advisor if you have questions. 
4. Supporting Your Father: Communicate Calmly: Be patient & reassuring when communicating with your father.  Focus on Abilities: Focus on what your father can still do rather than his limitations.

Wild Bill Anderson · Answer

Every plan has a huge phone staff answering phones explaining billing issues and can help look at any bill you have questions about. Their number is on the back of your card.

Lesley Burns · Answer

I would recommend the client to take all the mail that is specific to their carrier. You will then open them up, looking for the notice "This is not a bill". This particular piece is explaining your charges and benefits available to you. Once you review them, you may discard. Any other documents, you should review. There may be invoices that need to be paid as well as any additional pertinent information the carrier may deem of important that you the client need to have.

Answered by Lesley Burns on April 9, 2025

Broker Licensed in AR, MI, MO, NM & TX

Answered by Lesley Burns Medicare Insurance Agent

Robert Vitale · Answer

The National Institute on Aging (NIA) and the Alzheimer's Association offer resources and support for caregivers and families. Designate a specific location to store all bills, invoices, and important documents related to your dad's care. This could be a file folder, a dedicated computer folder, or even a digital filing system.

Answered by Robert Vitale on May 21, 2025

Agent Licensed in FL & OH

Answered by Robert Vitale Medicare Insurance Agent

Adriane Williams · Answer

Depends upon the plan you have him enrolled in. Please reach out to me. I would be happy to walk you through the process. 918-210-3319.

I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?

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I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?

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