Medicaid | Daughterhood

January 27, 2023May 25, 2023 by Anne Tumlinson

Don’t be Surprised by Medicare’s Out-of-Pocket Costs

My friend Quentin Fottrell is the Moneyologist columnist over at MarketWatch. He recently shared with his facebook group a reader question about whether a woman should help her 75-year-old sister with medical-related credit card debt.

Two commenters asked, “Why does she have medical costs? Isn’t she on Medicare?” They thought that Medicare covered most healthcare costs for older adults.

Unfortunately, this simply isn’t true. While Medicare is the primary health insurer for most older adults, it only pays a part of the healthcare bill. There are three kinds of out-of-pocket costs that we face!

January 13, 2023May 25, 2023 by Anne Tumlinson

5 Common Misconceptions About Medicaid

I have a confession. I’ve been avoiding writing about Medicaid. It’s just so complicated it scares even me the expert. But Medicaid can be really important to daughterhood. Someday you might have to decide if it’s right for your parent. So, you have to get smart about it.

Why Medicaid is important? It’s important because it’s the safety net when everything falls apart.

When your frail mother has been caring for your Dad at home alone for five years and she can’t do it any longer. When 24 hour a day home care is too expensive, and still not enough to keep your dad safe. And, then when his nursing home care quickly depletes their savings.

in Medicaid / Paying for Care 76 comments

October 14, 2022May 25, 2023 by Anne Tumlinson

3 Resources to Ease Caregiver Money Worries

In a recent survey, AARP found that about three-quarters of all caregivers spend, on average, 20 percent of their household income on caregiving.

This is on top of the estimated $470 billion in unpaid care that they provide; and doesn’t include the potential lost income due to work-related strain that over half of caregivers report.

It’s clear that caring for a family member creates a financial hardship for many, and even a catastrophe for some; especially when caring for someone with dementia or Alzheimer’s Disease.

If you’ve experienced it, you know that there’s nothing worse than feeling financially strapped! Especially if you’re also feeling overwhelmed by caregiving responsibilities. So, if you are facing economic strain because of a caregiving situation, here are a few organizations that may be able to help.

October 2, 2022January 14, 2023 by Anne Tumlinson

Navigating Home Care

On August 16th we hosted our 6th Daughterhood conversation on Zoom focused on Navigating Home Care for Your Parents. I was joined by Andrea Cohen, founder, and CEO of Houseworks and Christine Lee, founder and CEO of Companion Home Care Solutions, an agency that provides in-home care in San Diego California and San Diego Daughterhood Circle leader. Both women are owners and operators of top-notch, amazing home care companies that deliver and provide home care services, and both are also deeply involved in caregiver advocacy and support.

Please feel free to DOWNLOAD this tip sheet that Andrea Cohen has made available that can help you select an agency.

Here are some highlights from our conversation!

June 3, 2022January 14, 2023 by Anne Tumlinson

Navigating Medicare and Medicaid

If you’re caring for someone over the age of 65, chances are that you know something about Medicare, the health insurance program that covers nearly all older Americans. But there’s another really important program that you need to know about: MediCAID.

Medicaid is important because it’s the safety net when everything falls apart. When your frail mother has been caring for your dad at home alone for five years and she can’t do it any longer. When 24 hour a day home care is too expensive, and still not enough to keep your dad safe. And, then when his nursing home care quickly depletes their savings.

Maybe you’ve only heard about Medicaid as a program that provides health insurance under Obamacare. Well, for much longer than we’ve had Obamacare, Medicaid has been paying for nursing home care and in-home care for people who are very frail or disabled and whose income and assets are low or have been depleted by the costs of care.

in Home Care / Medicaid / Medicare / Paying for Care / Resources / Uncategorized 1 comments

April 23, 2022May 25, 2023 by Anne Tumlinson

Medicare Therapy Rules Made Easy

Most of us take for granted that we can get out of bed in the morning and do all the things necessary to head out and face our day. You know… the simple everyday things like moving around our house, showering, getting dressed and eating breakfast. I might be a little foggy most mornings but I don’t think about whether I’ll face an enormous challenge in measuring out the coffee or pouring the milk. The point is the routine is just that…routine.

But if your parent is frail, you know that there’s nothing routine about these activities — that for them, doing even the simplest things just can’t be taken for granted anymore.

The mobility and functioning that’s essential to independence and safety suddenly becomes a big effort. And, Daughterhood really happens when we have to get involved in helping our parents do the things that they can no longer do by themselves. This is when their lives and ours get hard.

in Assisted Living / Common Challenges / Home Care / Medicaid / Medicare / Paying for Care / Resources / Uncategorized / Your Parent's Hospitalization 53 comments

March 11, 2022May 25, 2023 by Anne Tumlinson

A Go-To Guide For Understanding Your Aging Parents’ Rehabilitation

I was 30 weeks pregnant with my daughter when a routine doctor’s visit uncovered the fact that a disconnected placenta had cut her off from getting food and water. Essentially, she was starving in utero. Later that same day, my girl was born by emergency C-section weighing in at just over 2 pounds.

Her early birth kicked off years of specialized healthcare and education, most of which was therapy to help her walk, talk and manipulate the tools she’d need to do even the simplest things like eat, use a pencil, and play with her toys.

I’m happy to report that today she’s a strapping 5’7” teenager who plays softball and the piano. And, while her gritty personality had a lot to do with her success, so did the physical, occupational and speech therapists working with her.

in Assisted Living / Common Challenges / Feeling Overwhelmed / Medicaid / Medicare / Paying for Care / Resources / Uncategorized 3 comments

December 9, 2021May 25, 2023 by Anne Tumlinson

The 4 Most Frequently Asked Questions About Medicaid Home Care

I love hearing from readers. Sometimes they write to tell me that a particular blog has helped them and that makes me very happy.

But a lot of the time, they tell me about problems that aren’t easily solved and ask questions that aren’t easily answered. Here’s one I get in many different variations that breaks my heart.

“My mom has some income from social security and less than $10,000 in savings. I’ve got a full time job I need to keep. Mom was doing fine until recently – but now she’s in and out of the hospital and having trouble taking care of herself. My sister and I are worried and wondering what we do next.”

in Home Care / Medicaid 6 comments

August 26, 2021May 25, 2023 by Anne Tumlinson

The Top 3 Myths Most Women Believe About Paying for Long-Term Care

If you haven’t stopped to think about whether you’ll need to be taken care of when you are very old or how you’d pay for it, believe me, you are not alone.

But, if you are a woman, this is a question you cannot afford to avoid.

As Dr. Atul Gawande explains in his book, Being Mortal, “increasingly large numbers of us get to live out a full life span and die of old age.” Because of this, we live for longer periods of time needing help with basic life activities, like bathing, eating, and dressing.

in Medicaid / Paying for Care 1 comments