Get Part A Medicare and Be Prepared…

By Roz Jones

What is Part A Medicare?

Medicare Part A is the most important part of your aging loved one’s Medicare coverage. It pays for inpatient hospital care, certain types of nursing facility care, home health care and hospice care. If your aging loved one is eligible for Social Security benefits or Railroad Retirement Board disability benefits and has paid Medicare taxes for at least 10 years, they are probably eligible to get Part A without having to pay a premium.

How does my aging loved one pay for Part A Medicare?
Part A Medicare pays for itself through monthly premiums that are deducted from your aging loved one’s Social Security benefits. If your aging loved one is not receiving Social Security benefits, they can still enroll in Part A Medicare, but they will have to pay a monthly premium.

Eligibility
Your aging loved one is eligible for Part A Medicare if they are 65 years of age or older. If your loved one is under 65 years of age and has been receiving disability benefits from the Social Security Administration for at least 24 months.

If your loved one is not eligible for Part A Medicare, they can still enroll in Part B Medicare. Part A Medicare has no annual deductible and no coinsurance amount; however, there is a lifetime maximum benefit limit of $4000.

Part A Medicare is a government-sponsored health insurance program that covers hospitalization, skilled nursing facility care, hospice care, and home health care. If your aging loved one is 65 years of age or older, or if they are under 65 years of age and have been receiving disability benefits from the Social Security Administration for at least 24 months, they may be eligible for Part A Medicare. Most people who are eligible for Part A Medicare do not have to pay a monthly premium; however, there is a lifetime maximum benefit limit of $4000.

If you would like to learn more about Part A Medicare, be sure to sign up for my newsletter below!

Are you looking into admitting your loved one into an assisted living facility? Check out my latest podcast where I share 5 things you should be aware of when finding a facility!

It can be overwhelming to face the fact that your elderly loved one can no longer live independently. Finding a facility that can provide the assistance and care that your loved one deserves can be challenging, and there is a lot at stake.
Elder abuse and neglect are very real concerns in nursing homes and residential care facilities. It is of the utmost importance to do your due diligence prior to admitting your loved one into care.

In this episode, I share 5 things you should be aware of as you look into admitting your loved one to a living assistant facility.

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***Caregiving can be a roller coaster of ups and downs. The information that you will receive from The Caregiver Cafe Weekly Specials Newsletter will support you as a caregiver. Remember…***

**1. YOU ARE NOT ALONE:** The problems you face as a caregiver are experienced by other caregivers. Knowing that you’re not alone can be comforting.

**2. Tools and Resources:** Find caregiver stress management tools and gain perspective from other caregiver’s experiences.

**3. LEARN TO:** Ask for help, accept help when it is offered, and acknowledge yourself on this caregiving journey. Hear from experts on how to balance caregiving responsibilities by taking care of your needs and involving others to help manage the natural stress and isolation of being a caregiver.

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Determining if Your Loved One Qualifies for Medicare

By Roz Jones

Many seniors qualify for Original Medicare (Parts A and B), which is a government health insurance program. Eligibility for Original Medicare is based on several factors, including age, citizenship, residency, and work history. Here’s a breakdown of each factor to help you determine whether your loved one qualifies.

Age

The eligibility age for Medicare is 65. If your loved one is 64 or younger, they do not qualify for Original Medicare.

Citizenship & Residency

To be eligible for Medicare, your loved one must be either a U.S. citizen or a permanent legal resident who has lived in the United States continuously for at least five years. If they do not meet these criteria, they do not qualify for Original Medicare.

Work History

Medicare is primarily funded through payroll taxes. As such, most people who qualify for Original Medicare have worked at least 10 years in the United States and have paid into the system through payroll taxes. However, there are some exceptions. For example, people with certain disabilities or those who have End-Stage Renal Disease (ESRD) may also qualify for Original Medicare regardless of their work history.

If you’re not sure whether your aging loved one qualifies for Original Medicare, use this guide as a starting point. Eligibility is determined by several factors, including age, citizenship/residency status, and work history. Keep in mind that there are some exceptions to these rules—for example, people with disabilities or those with ESRD may still be eligible even if they don’t meet all the criteria listed above. When in doubt, it’s always best to contact the Social Security Administration directly to find out for sure whether your loved one qualifies for this important health insurance program.

If you would like to learn more about Original Medicare be sure to sign up for my newsletter below!

Do you know your love language? Check out my latest podcast to learn more about how you can express love to your aging clients or loved ones in the role of a Caregiver.

The 5 love languages as shared by Gary Chapman have been transformational in the lives of many individuals who are looking to build relationships with their loved ones and these are also applicable in caregiving.

In this episode, I share how love can be expressed in caregiving. The caregiver role is one that is full of so many emotions and yet the central expression is love.

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ATTENTION: INSTAGRAM UPDATE!!!

Thank you for your patience with me as I attempted to gain access to my Instagram account @rozjonesenterprises! Unfortunately, I have been prompted to create a NEW Instagram account.

Be sure to follow my new Instagram page @rozcaregiverconsulting and check out my top business mistakes as a Business Owner!

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Help! I have no children but I need a Caregiver!

By Roz Jones

You may not have children, but that doesn’t mean you don’t need a caregiver. Whether you’re dealing with a chronic illness, recent surgery, or simply need help around the house as you get older, hiring a caregiver can be a great solution. But before you bring someone into your home, it’s important to do your homework and make sure they’re the right fit. Here are four questions to ask.

Do they have experience?

This may seem like an obvious question, but it’s one that’s worth asking. You want to make sure that the person you’re hiring has experience in the type of caregiving you’re looking for. If you’re looking for someone to help with basic tasks around the house, for example, you don’t necessarily need someone with medical training. On the other hand, if you’re dealing with a more serious health issue, you’ll want to make sure the caregiver has the necessary skills and experience.

Are they licensed and insured?

Again, this is an important question to ask—particularly if you’re considering hiring an in-home health care provider. You’ll want to verify that they are licensed and insured in case something happens while they’re on the job.

What are their availability and hours?

Caregiving is a demanding job, so it’s important to make sure that the person you hire is able to commit the time and energy required. Discuss their availability and hours upfront so there are no surprises down the road.

What are their rates?

This is another question that’s important to address upfront. Caregiving can be expensive, so you’ll want to make sure that the rates are within your budget before moving forward.

Conclusion:

Hiring a caregiver can be a great solution if you’re dealing with a chronic illness, recent surgery, or simply need help around the house as you get older—but it’s important to do your homework first. Make sure you ask potential caregivers about their experience, licensing and insurance information, availability, and rates before making your decision. Once you’ve checked all of those boxes, then you can move forward with confidence knowing you’ve found the right fit for your needs.

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ATTENTION: INSTAGRAM UPDATE!!!

Thank you for your patience with me as I attempted to gain access to my Instagram account @rozjonesenterprises! Unfortunately, I have been prompted to create a NEW Instagram account.

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