You Got To Do What You Got To Do

Medicare & Insurance

Most senior citizens have Medicare and supplement insurance to cover their medical needs. These two items cover most medical and hospitalization situations. Some might wonder what is Medicare and why do you need supplement insurance?

Medicare is a government run insurance plan for senior citizens. It has a Part A, Hospitalization, Part B, Medical, Part C, Advantage and Part D, Prescriptions. When you reach a certain age, at this time 65, and you paid into the Social Security System, you are eligible for Medicare. For a small premium you receive Hospitalization, Part A and Medical, Part B coverage and the limits are 80% and 20%. Which means Medicare pays 80% of the approved charges and you pay the remaining 20%. Approved charges are what Medicare deems acceptable for the services provided. Also the medical facility has to have a contract with Medicare. This can cause problems because the facility might have a Medicare contract but the treating physician does not, then you are responsible for 100% of the physicians fees.

For some medical and hospitalization that 20% co-payment amount can be quite large. In order to help with that co-payment some people purchase supplemental insurance. This covers the 20% co-payment that Medicare does not cover. Some of these supplemental policies might cover services that Medicare does not cover as well as prescriptions.

Basic Medicare does not cover prescriptions so you have to purchase Medicare Part D to cover your prescription expense. There are numerous plans and deductibles that have a wide variety of options. Some supplemental insurance plans do offer prescription coverage.

There are some Medicare plans, Part C, that cover 100% of the medical, hospitalization and offer prescription coverage. These plans also use your Medicare premium for the insurance coverage. These plans Medicare Advantage and the way they reduce costs is that they are usually an HMO, Health Maintenance Organization, or they limit what doctors and facilities you can use. For a higher premium you can opt for a different plan, such as a PPO, Preferred Provider Organization or indemnity plan and use the doctor or facility of your choice.

Medicare and Supplement Insurance has become a huge business and thousands of people have made careers out of trying to understand the rules of the game. It is a game because one day a service, procedure or item is approved and the next day it is not. It is a bureaucratic system that has special codes for billing and is usually a nightmare for the individual. As the health insurance system changes it seem trying to understand Medicare gets worse. Who knows what the future will bring.

With all this information what do you do? The good news is that if your parents have original Medicare and a supplement insurance or Medicare Advantage it does make the insurance process and financial burden a little easier. You should be able to take them to the doctor, medical facility or hospital and not have to worry about receiving huge bills. Depending on the billing department and the insurance handling the claims you might have to spend a lot of time on the phone trying to get certain billing matters corrected. Before you can do this you have to have your parent authorize you to talk on their behalf with Medicare and the insurance. Some companies have a form you can fill out and others have your parent do a phone interview that authorizes you to talk on their behalf. This is dictated by HIPAA, The Health Insurance Portability And Accountability Act.

If your parent only has original Medicare that only covers 80% of the approved charges you could be in store for some very large medical bills. There is no way to know how expensive medical care will be in the coming day, months or years. If you have money saved or assets you can sell, it might not be a problem but depending on your parents medical condition it might become one.

Thank you for your time and consideration.
James Colozzo
Author-“You Got To Do What You Got To Do”
www.takingcareofaparent.com

James Colozzo is not a medical expert or professional and has no formal training or education on this subject. He is an average person that was given a challenge and had to deal with the situation. His experience comes from the over 20 years that he actually did all the work to care for his elderly parents and their medical conditions. Since every person, condition and situation is different, what Mr. Colozzo did to care for his parents might not be suitable for others. You need to partner with your physician to find what type of care is best for your situation.
Copyright © 2019 James Colozzo

To make a comment please email comments@takingcareofaparent.com

Elder Abuse

Unfortunately elder abuse is a big problem and health providers are required by law to report it to the proper authorities. In recent years doctors offices, outpatient facilities, labs and other healthcare offices are required to check all patients for abnormal bruising. They also ask the patient questions to see if they are being taken care of properly. This world is a crazy place and there are a lot of elderly people abused and a lot of them are taken advantage of by “so-called loved ones.”

Being a caregiver also means that you are under a microscope. You need to be at your best so your parent is cared for properly. Make sure they are clean, well nourished, safe and that their medications are taken properly. Be aware of any bruises, skin ulcers and bed sores because as people age their skin becomes thin. So even a simple bruise could be cause for suspicion to a doctor, nurse or other medical professional. The care you give your parent is checked every time you go to the doctor or to a medical facility. If your parent has an emergency and is taken to the hospital they are given a full body inspection when they are admitted. By law in many states, medical professionals have to report any findings of suspected abuse and an investigation will be started. Anyone with a conscience should be shocked to see how many parents are neglected by their children. I was amazed when a community college instructor at a hospital told me that a lot of elderly patients showed some signs of abuse or neglect. She told me that a lot of the elderly patients her students saw in the hospital were neglected. Some were physically abused, a lot were malnourished and not clean. Many cases of elder abuse are committed by the patient’s children or caregivers.

Elder abuse not only occurs at home, it can also happen in assisted living, rehabilitation, hospitals and other medical facilities. Paid caregivers, both individuals and those working for companies have also been the cause of elder abuse as well as other medical professionals. Unfortunately, as a family member you are more scrutinized than the others because the professionals have lawyers, companies, associations, and government agencies behind them. You on the other hand, are on your own, so be cautious, aware and careful while you are a caregiver because you are responsible for everything you do.

Thank you for your time and consideration.
James Colozzo
Author-“You Got To Do What You Got To Do”
www.takingcareofaparent.com

James Colozzo is not a medical expert or professional and has no formal training or education on this subject. He is an average person that was given a challenge and had to deal with the situation. His experience comes from the over 20 years that he actually did all the work to care for his elderly parents and their medical conditions. Since every person, condition and situation is different, what Mr. Colozzo did to care for his parents might not be suitable for others. You need to partner with your physician to find what type of care is best for your situation.
Copyright © 2019 James Colozzo

To make a comment please email comments@takingcareofaparent.com

Daily Routines

One of the best ways to keep your elderly parent busy, alert and engaged is to have a daily schedule or routine. This could part of their daily hygiene or helping with tasks around the house. It can help them retain whatever motor skills they have and keep their mind alert because they have to think. After a short time they will get use to the schedule or daily routine and it will also give them the feeling they are helping because it makes them feel useful.

It depends on your parents condition on what type of a daily schedule or routine you will maintain. With my mom she was not able to get herself out of bed, so in the morning I would wake her, give her the morning medication and she would watch the morning news. I would then lift her out of bed and put her in the bathroom. She would do what she needed to do, call me and I would lift her into the wheelchair. I would then wheel her to the table and we would have a breakfast lunch combo. We would then do our errands or appointments. If none were scheduled she would do her chores, such as folding clothes. In the afternoon she would have a snack, I’d give her the afternoon medication and then a little later put her back in bed so she could rest for a while. Later I would lift her out of bed into the wheelchair and roll her into the living room. She would watch baseball or the news while I made dinner. When she still had some dexterity in her hands, I’d let her help by sorting out vegetables or getting some of the ingredients ready. After dinner I would clean up and do dishes while she watched television. When I was finished we would sit and talk, play board games or cards. It all helped to keep her thinking and it forced her to use her mind.

About two hours later I would get her bed ready and lift her into it. I would give her the evening medication and she would relax watching television or listen to music. She would fall asleep a few hours later and we would start the same routine over the next day.

This routine evolved over years because of her condition. In the beginning she was able to care more for herself and needed less help with hygiene. As her condition worsened she would no longer be able to do certain tasks so that meant I had to do them for her. She tried her best to do as much as she could so she didn’t feel useless or a burden to me. As time went on she did become a little frustrated because she was not able to do as much and needed more help. It was a system that worked very well for us for over 13 years. In fact our routine lasted until about 2 weeks before she passed away.

Thank you for your time and consideration.
James Colozzo
Author-“You Got To Do What You Got To Do”
www.takingcareofaparent.com

James Colozzo is not a medical expert or professional and has no formal training or education on this subject. He is an average person that was given a challenge and had to deal with the situation. His experience comes from the over 20 years that he actually did all the work to care for his elderly parents and their medical conditions. Since every person, condition and situation is different, what Mr. Colozzo did to care for his parents might not be suitable for others. You need to partner with your physician to find what type of care is best for your situation.
Copyright © 2018 James Colozzo

To make a comment please email comments@takingcareofaparent.com

Caregiving-A Constant Learning Experience

Being a caregiver is an on going learning experience and the education does not stop until you are no longer caring for your parent. The medical field and caregiving is changing daily so you will never know everything. New technologies and procedures are making a huge difference in the quality of care. Knowing what to do is the result of learning whatever you can.

When I was taking care of my dad it seemed that everyday was a unique challenge. I was in uncharted territory and everything was new and a learning experience. My father’s situation, when he became seriously ill, proceeded rapidly and he passed away within six months of his worsening condition. I learned a lot in a short time. With my mom it was over thirteen years of unique challenges and situations. It seemed whenever we went to the doctor or she had a diagnostic test there was a new challenge ahead. I was learning as I was going along.

No matter what you have been taught or what you have read you will always be learning when you are taking care of your parent. Depending on your parents condition and the diagnosis, new procedures might be able to help you. What you do today might not be what you do tomorrow. The same goes with your daily routines, what you have done for many months might change because you learn to do something different that makes it easier and/or better for your parent. Anything that can help you with your daily tasks should always be welcomed.

Not only is it a learning experience for you but it is also for your parent. They are also learning because probably this is the first time someone has had to take care of them since they were a child. Things that they did for themselves for years now have to be handled by someone else. Routines that were normal and they took for granted have to be carried out by you so they can go on with their daily life. That might be hard to get use to so they are learning how to cope with the situation. That is another reason why you need to put yourself in their shoes because it would probably be hard for you if you were in the same situation.

As things change while you are a caregiver the more you learn, the more you can adapt means the more you can do. Caregiving is not an exact profession because it is different for each person that you are caring for. It is also a job that is a constantly revolving process. You will know your parent so well that you will be able to notice every little change and you will adapt your care to deal with it. It is a continuing learning experience that will last as long as you are caring for them.

Thank you for your time and consideration.
James Colozzo
Author-“You Got To Do What You Got To Do”
www.takingcareofaparent.com

James Colozzo is not a medical expert or professional and has no formal training or education on this subject. He is an average person that was given a challenge and had to deal with the situation. His experience comes from the over 20 years that he actually did all the work to care for his elderly parents and their medical conditions. Since every person, condition and situation is different, what Mr. Colozzo did to care for his parents might not be suitable for others. You need to partner with your physician to find what type of care is best for your situation.
Copyright © 2018 James Colozzo

To make a comment please email comments@takingcareofaparent.com

You Know Your Parent

No one knows your parent better than you during the time you are taking care of them. As that care continues you will notice even more. This comes in very handy when you have to tell their condition to a doctor. They forget a lot and it will be up to you to tell the doctors of certain problems and conditions.

I knew things about them that they didn’t know themselves such as sleeping and eating habits. Over the years of taking care of them I knew how certain medications would affect them and how we could counteract it. I knew what they could tolerate and what made them sick. I probably knew them better than I knew myself.

This knowledge comes from the day to day care of your parent. You will learn all their quirks and mannerisms if you already don’t know what they are. You will be able to tell a reaction before there is an action and you will know the result before something starts. All this information will go a long way in helping your doctors diagnose and treat your parent. It will also go a long way in helping you care for your parents.

Being a caregiver to your parent puts you in a unique position as far as their medical condition. You see everything that they do, how they react and how something affects them. When you take them to the doctors or hospital you are their eyes, ears and nose.

You know their conditions like a book and you can relay that information to the doctor. You know how certain treatments affect their condition and how they react. Certain medications might cause an adverse reaction and you are the first one that will notice and you can relay this information to the doctor. You know everything about them and you can relay this information to any medical professional that needs it. A lot of times the elderly don’t understand or hear what they are being told by a doctor and that can cause problems during their treatment. Many times when I was taking care of my dad and mom they would hear something completely different from what the doctor was actually saying. Sometimes they didn’t hear or understand the problem or treatment and it was good that I was in the room because I heard everything the doctor said. It all depends on your parents condition and how much they are still involved in their healthcare but you become their safety net. If they are confused about a treatment or medication you can discuss it with them and call the doctor for verification.

Thank you for your time and consideration.
James Colozzo
Author-"You Got To Do What You Got To Do"
www.takingcareofaparent.com

James Colozzo is not a medical expert or professional and has no formal training or education on this subject. He is an average person that was given a challenge and had to deal with the situation. His experience comes from the over 20 years that he actually did all the work to care for his elderly parents and their medical conditions. Since every person, condition and situation is different, what Mr. Colozzo did to care for his parents might not be suitable for others. You need to partner with your physician to find what type of care is best for your situation.
Copyright © 2018 James Colozzo


To comment, please email comments@takingcareofaparent.com