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Senior man looking at doctor adjusting bed while sitting on wheelchair

Diabetic Wound Management in Long-Term Care

by Guest Blogger
written by Guest Blogger

Caring for a wound is important for people of any age, but for diabetics, and especially seniors it’s crucial. Older patients living in long term care facilities are often not physically active, and some are completely bed bound. According to the American Diabetes Association (ADA), long term care facilities are host to a larger number of seniors dealing with diabetes.

For these patients, the risk for developing pressure ulcers or bed sores, and diabetic foot ulcers (DFUs) is much higher than the general public. Since many are not up and moving around regularly, blood flow is decreased. Remaining prone or sitting in one position too long can open the door to skin irritations which could lead to infection.

During this time of uncertainty surrounding the coronavirus and social distancing, many may wonder about the care they or their loved ones will receive from healthcare professionals at a long-term care facility. When regular checks are done, it’s difficult if not impossible to maintain social distancing. Top healthcare providers have had to adapt to this new threat and are making great strides in this area of wound management.

Who’s at Risk

Wound care is considered for those who have developed a wound that hasn’t begun to heal within two weeks or is not completely healed at the six-week mark. For diabetics, it’s difficult to manage wounds as high blood sugar (hyperglycemia) could lead to nerve damage and a loss of feeling.

Chronic wounds such as pressure ulcers (bed sores) and diabetic foot ulcers are quite common in long term care facilities according to the National Center for Biotechnology Information (NCBI) website. These types of facilities tend to see higher numbers of patients with type 2 diabetes. Uncontrolled diabetes can result in an impaired healing processes.

The rise in occurrence can be attributed to wounds such as venous leg ulcers, arterial insufficiency, DFLs and pressure ulcers, as well as the fact that the numbers are on the rise for seniors requiring surgery. This puts them at higher risk for infection and wound healing complications.

Many residents have compromised immune systems, which in the current time of social distancing makes them at high risk for developing the coronavirus. These patients have a higher likelihood of developing serious complications. Too much stress can also play a part in the body’s ability to heal. Changes in facilities, new care team members, and the worries about the pandemic can put added stress on older patients.

Careful Evaluation

The complication of potential wounds makes careful patient evaluation a requirement. Skin assessments and risk evaluation for those who are at risk of developing pressure ulcers is crucial, especially when a patient changes facility.

The NCBI suggests evaluating patients on the following Braden Scale criteria:

  • Sensory – how well they communicate sensory input and sensation level
  • Moisture – the degree of moisture the skin is exposed to
  • Activity – how active the patient can be considering the degree of allowable mobility
  • Mobility – how easily they able to change positions
  • Nutrition – patients normal diet intake
  • Friction or shear – how the patient moves

 

Senior patients must be observed regularly, even while maintaining safety precautions and proper distancing. Healthcare professionals are required to answer several short questions, pass a temperature check, and are expected to follow CDC and hospital recommendations for safety and sanitization during these unprecedented times.

Secondary complications can lead to a slow down in the ability to heal. Long term care facility staff need to be aware of any additional complications so they can properly evaluate and treat these issues. By working to control secondary issues, they can increase the chances of timely healing of wounds.

Delivery of Care

Reducing complications is key to wound healing and avoiding infection while battling the risk of the coronavirus. By treating the conditions of both diabetes and wound care, seniors will have a higher chance of healing. According to the National Institute of Diabetes and Digestive Kidney Diseases (NIDDK), diet is a key component for controlling diabetes. If left uncontrolled, diabetes could hinder healing.

Healthcare professions should take into consideration a patient’s nutritional and fitness needs when evaluating them. Ensure a proper diet is being followed and caloric intake is monitored. While many long-term care facility residents are unable to exercise, physical therapy can help to keep the body moving and promote healing. Through proper care and consideration, wound care can be managed, and diabetes can be controlled in a long term care setting.

 

Author: Tracy Rairigh is a medical, business, and technical writer with a Writing in the Sciences Certificate from the University of Stanford Medical. With over 150 published articles in wound care, health and wellness and a degree in Engineering, she has a vast array of knowledge to pull from.

 

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Medicare Plans

Difference between Medigap Plans and Medicare Advantage

by Jagger Esch
written by Jagger Esch

When it comes to insurance, it would be fair to say you either pay now or pay later. If you pay now, you are choosing to pay a higher premium with the expectation your insurance plan will pay more when you file a claim. The pay later option means a lower monthly premium and leaves the Medicare Beneficiary with a greater out of pocket expense when seeking medical treatment. Difference between Medigap Plans and Medicare Advantage
There are several reasons to choose a Medigap Plan over Medicare Advantage Plans. The comprehensive benefits provided by a Medigap, as known as Supplement Plans can limit or eliminate out of pocket costs. Individuals covered by a Medigap Plan avoid network restrictions and have coverage worldwide. Most importantly, Medicare Supplement Plans allow the insured to budget the cost of their coverage and reduce unexpected expenses.

Medicare Part A

For 2018, the Medicare Part A deductible is $1340, then the plan pays 100% of hospital expenses for that benefit period. The benefit period lasts 60 days from the start of the hospital visit. If your hospital stay lasts longer than 60 days, you will incur a per day coinsurance.
The Medicare Beneficiary is responsible for that daily coinsurance. After 60 days, or in the event of an unrelated condition, if the Medicare Beneficiary is admitted to the hospital, a new benefit period starts, and the $1340 deductible is applicable, again. This can continue throughout the policy year.

Medicare Part B

Medicare Part B covers preventive services and medically necessary services such as doctor visits, durable medical equipment, diabetic supplies, and drugs administered in a doctor’s office.
The Medicare Part B deductible is $183 for the 2018 year, after the deductible is satisfied, Medicare pays 80%.

Gaps in Coverage

As you can tell, Original Medicare leaves gaps in coverage. There are gaps in Part A and gaps in Part B. Original Medicare does not have any out of pocket maximums or provide any caps to minimize the loss incurred by the Medicare Beneficiary. Your exposure to loss is undefined; there is nothing to protect the Insured person from financial losses.

Take into account that it cost about $5,000 to go to the emergency room. That’s without being admitted and without a gamut of tests. The gaps in coverage left by Original Medicare can be filled quickly and affordably by enrolling in a plan offered by any reputable insurance provider.

Medigap Plans Protect

Medigap plans do have a premium that is in addition to your Medicare Part A and Part B. The premium amount for your Medigap Plan is paid by the Medicare Beneficiary directly to the Insurance Company.

With a Medigap plan, you choose the amount of risk you are willing to take, the premium is reflected in the amount of benefits you elect. Regardless of the underwriting company (the name on the card you carry), the benefits are the same and are differentiated by letters.

Most people choose Plan G. Medigap Plan G, covers everything not covered by Medicare except for the $183 Part B deductible. The Plan F, provides the most protection to the Medicare Beneficiary, and minimizes the medical costs that could be incurred.

Of course, you can save on premium dollars if you are willing to consider some of the other plans. This is where your licensed insurance agent can help, by shedding some light on the various options that will provide the most coverage and still keep the premium within your budget.

Medigap Offers Freedom

You’re free to choose your doctors and hospitals. These plans allow Medicare Beneficiaries to select doctor’s based on their personal preference, in addition to choosing the hospitals they utilize. The only requirement, is that the provider accept Medicare.

The freedom offered by being insured can be liberating. Just ask someone who has been limited to a list of doctor’s or had a claim from a specialty hospital denied. Treatment of medical conditions/ diseases can be determined by the patient and doctor.

The Disadvantages of a Medicare Advantage Plan

Medicare Advantage Plans require the Medicare Beneficiary to use network doctors and hospitals. With most advantage plans, going out of network isn’t an option as there are no out of network benefits. Most have network restrictions and seeing a specialist will require a visit to your primary doctor to obtain a referral.

There are only specific periods during the year when you can enroll or switch to another Medicare Advantage Plan. Otherwise, you can’t change your Plans during the year.
The premium on a Medicare Advantage Plan can be low or even zero. However, the Medicare Beneficiary will incur expenses over the course of the policy year, including deductibles, copayments and coinsurance. Typically, Medicare Advantage Plans have an out of pocket maximum of at least $6,000.

You Get What You Pay For

Medigap Policies are the best choice for securing the most comprehensive coverage. You keep your Original Medicare Parts A and B. Then choose the Medigap Plan that best fits your needs and fills the gaps in coverage left by Medicare. A qualified licensed insurance agent can help you compare the costs and benefits of your options. When comparing your choices, it will become apparent which option will best suit your needs and budget.

Medicare Beneficiaries choose supplement plans for several reasons. Most people buy a Supplement Plan because they want to protect their assets. After more than 40 years in the workforce, it’s prudent to protect that which you have worked so hard to earn.
Others select a Medigap Plan for the freedom to choose their caregivers, hospital and doctors.

Medigap Policies provide coverage at any doctor or facility that accepts Medicare. In addition, these Supplement Plans provide coverage when you travel outside the United States.

When choosing a plan to fill the gaps left by Medicare, Medicare Beneficiaries are electing to purchase one of the Medigap Plan options. These plans offer a set monthly premium amount that Medicare Beneficiaries can work into their fixed income.

A set monthly premium works best for Medicare Beneficiaries as the unexpected out of pocket costs associated with a Medicare Advantage Plans leaves the insured person financially vulnerable.

There are several options available and the best way to shop around for the plan that meets your needs is to contact a qualified licensed agent. Your agent will ask you some questions to better understand your concerns and budget.

Once your agent understands your specific needs, he/ she will be able to check with the carriers in your region to advise which companies offer the best premium amounts for the coverage you’ve elected.

Enrollment into a supplement plan is best when you are first eligible for Medicare Part B. However, if you have delayed enrolling in Part B, because of coverage through your (or your spouse’s) group health insurance plan with an employer, you may be able to enroll in Part B and your Medigap Plan when that coverage ends. You will want to take action prior to the group plans termination day. It’s a good idea to contact your insurance agent as soon as you suspect any changes to your coverage.

Difference between Medigap Plans and Medicare Advantage

Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage Difference between Medigap Plans and Medicare Advantage

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Aging

Elderly Mental Health Statistics

by Kendall VanBlarcom
written by Kendall VanBlarcom

Like every population, there is a lot of variety among older adults. But it can be helpful to talk about elderly mental health statistics so we know when to take notice. Because while many have good mental health, others are vulnerable to mental health issues and cognitive deterioration.

A Growing Population

The world population is aging. It is estimated about 8.5 percent of people worldwide are aged 65 and over and this percentage is expected to rise to nearly 17 percent of the world’s population by 2050.

It is common for mental health issues to be ignored or misdiagnosed by healthcare providers, family members, and the individuals experiencing the issues themselves. Sometimes, because of the stigma around mental health issues, people are slow to reach out for help. It stands to reason that more older adults will bring more mental health issues. It’s important to reach out for help as soon and you need it.

Increased Risk of Issues

There can be an increased risk of mental health problems as we age. Some issues include chronic pain, a loss of loved ones, loneliness, isolation, and losses in day-to-day capabilities. There is also the very real problem of elder abuse. This is when a caregiver relationship is harmful, when physical, financial, or verbal mistreatment is present. All of these can result in anxiety and depression.

Another issue that can arise is dementia which manifests as a deterioration in cognitive abilities, from memory to behavior. This is not a normal part of aging and should be addressed. Dementia can cause much stress in a home. Families and caregivers are likely to crave additional support when they are facing the emotional, financial, and physical pressures of dementia.

How to Age Well

While elderly mental health statistics can be frightening, there are active ways to age healthfully. Creating environments that are supportive and nurturing can have lasting results. Paths to healthy aging include securing safe housing (whether that is making changes to a home to prevent accidents or looking into assisted living), providing social support to an elderly individual and being sure that both physical and mental health initiatives are in place so the person can remain as healthy as possible.

Monitoring mental and physical health means any issues can be detected early and managed. If possible, talk through any issues with a trusted professional and work to create an environment of community care. This is all essential because our bodies change as we age. All of these adjustments in our chemistry, mobility, and shifts in familial and friendship bonds have an impact on our health.

Sometimes there are problems causing big issues that can be addressed with support. For example, providing safe transportation to an elderly individual could change their life. A weekly shopping trip could improve their mood and help them to maintain community connections leading to lower stress levels and increased happiness. If transportation isn’t the issue, know that some report the same results when they pursue hobbies or schedule regular exercise. In both cases, you are exercising your mind and body, leading to good health.

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CBD for HealthHealth

CBD Sleep Benefits

by Jesse Dunn
written by Jesse Dunn

Sleep is an important part of your overall health! According to National Sleep Foundation, it was reported in 2014 that 45% of Americans sleep poorly or not enough. Many sleepless users are looking for a natural alternative for sleeping issues and The Sleep Doctor, Dr. Michael Breus has shared the calming and sleep promoting benefits of cannabidiol in this post.

What is Cannabidiol (CBD)?

Cannabidiol (CBD) is one of the many active cannabinoids identified in cannabis. It can be extracted from marijuana or industrial hemp. It is a major cannabinoid, accounting for up to 40% of the plant’s extract. You may be familiar with another compound called Tetrahydrocannabinol (THC), which produces the “high” feeling. However, unlike its psychoactive counterpart, CBD does not have any psychoactive properties and can actually counteract the psychoactivity of THC. CBD is a natural alternative which has been found to have many significant medical benefits.

Does CBD help with sleep?

The cannabis plant has hundreds of different cannabinoids, several which have been studied for decades for their therapeutic benefits. CBD has been studied to reduce anxiety, depression and pain which can be helpful in reducing sleep difficulties and improving sleep quality. CBD has shown some promise in research to mitigate these symptoms which ultimately may facilitate with sleeping.

CBD may help reduce REM behavior disorder in people with Parkinson’s disease and post-traumatic stress disorder (PTSD). REM behavior disorder is a condition that causes people to act out physically during dreaming and REM sleep. Typically, during REM, the body is paralyzed and keeps sleepers from reacting physically to their dreams. Unlike in REM behavior disorder, the paralysis is absent, allowing the person to “act out” their dreams which may injure themselves or their sleeping partners.

How does CBD interact with my body?

Discovered in the 20th Century, the endocannabinoid system is a biological system composed of endocannabinoids that are neurotransmitters that bind to cannabinoid receptors in the mammalian brain and body. CBD is one of the primary cannabinoids found in hemp. These cannabinoid receptors play a pivotal role in physiological processes such as mood, memory and pain. There are two cannabinoid receptors – CB1 and CB2 that are located on cells throughout the body.

Cannabinoids help coordinate and regulate how we feel and think by binding with the endocannabinoid system’s CB1 and CB2 receptors. Fitting like puzzle pieces, cannabinoids are designed to link together with the cannabinoid receptors. Linking activates the receiving neuron into action, triggering a set of events to pass along the message and carry out a variety of cellular responses needed for homeostasis and healthy functioning.

Conclusion

Since CBD oil has not been FDA approved as a cure or treatment for any disease, medical claims cannot be made. This does not dispute the fact that consumers are looking for a natural alternative to aid with sleep. It appears CBD may improve sleep quality, however, scientific conduct does not specifically state CBD helps with sleep or health issues.

Click here to read more about the Sleep Doctor’s article

Pair your sweet dreams with Medterra’s Dissolvable Sleep Tablets that contain 25mg of CBD and 10mg of melatonin for a restful night’s sleep. In a bottle count of 30, these tablets can be scored in half and dissolve quickly under the tongue to drift into sweet dreams.

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Conditions & Treatments

World Hearing Day 2019: ‘Check Your Hearing’ for free with the hearScreen USA app

by Guest Blogger
written by Guest Blogger

Sunday, March 3 marks World Hearing Day 2019 in partnership with the World Health Organisation. “Check Your Hearing” is this year’s theme with the purpose of drawing attention to the importance of early identification and intervention for hearing loss.

Hearing loss is an often-overlooked condition. Lead inventor of hearZA, Professor De Wet Swanepoel emphasizes the far-reaching effects of hearing loss on various developmental milestones in children. He explains that it affects language, speech, socio-emotional well-being and cognitive processes that can pose threats to educational success. Furthermore, social isolation, depression and cognitive decline are often evident among adults suffering from hearing loss.

hearScreen USA, the national U.S. clinically-validated hearing screening app is free of charge and can help Americans identify hearing problems – the first step in their journey to better hearing.

hearScreen USA was developed to be accessible to any American with a smartphone (Android or iOS) and any pair of earphones. By detecting hearing loss at an early stage, hearScreen USA can link people to their closest audiologist based on geolocation, in partnership with the American Academy of Audiology.

“With hearScreen USA, all Americans have access to quality hearing care from the palm of their hand, starting with a screening of their hearing status” – Dr De Wet Swanepoel.

Since its release in October 2018, over 7 000 people have used the app as a first step in their hearing health journey and have had an opportunity to connect directly to one of more than a 1 000 licensed audiologists registered on the network.

In support of this year’s World Hearing Day, the hearScreen USA app is serving as a free tool for Americans to “Check Your Hearing” emphasizing early identification and intervention. We aim to increase these numbers while working towards our continued vision of healthy hearing for everyone, everywhere.

Be sure to follow hearScreen USA on social media to see what we’re up to this World Hearing Day.

 

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Caregiving

10 Essential Tips to Become Nurse Supporting Family Caregivers

by Guest Blogger
written by Guest Blogger

Becoming a nurse who supports caregivers is a calling for many healthcare professionals. It’s a job you have to do if it is aligned with your passion. Being a nurse already allows you to work in a job that you are passionate about. With ambulatory care nursing, you will be able to flex your schedule a lot more. This is a great benefit and avenue for nurses who are also moms or just want more flexibility.

Going into this career option without much knowledge of what it would be like can be daunting. It’s always best to get as much information as you can beforehand. Once you understand what the job would entail, you are a lot more prepared to deal with the everyday issues. Nursing is a lucrative career choice. Many nurses still work a full-time job and do this on the side for extra income. If you are considering this as a viable option for your career, these tips should help.

1. Patience

Working with a caregiver and the patient might challenge your patience. You have to remember that the caregiver is not a nurse. She is merely here to take care of the patient and probably doing the best with the knowledge she has. Instead of becoming impatient, you can try to teach the caregiver a few tricks. It will take some time for you two to become acquainted with each other.

2. Transfer skills

You are not always going to be available in the case of an emergency. Work on a list of transferable skills. You are not only educating the caregiver, but you are also looking out for the patient’s best interest. Being a nurse means that you are always taking care of others. You transferring some of your skills is simply part of your job. It is going to make it a lot easier for you going forward.

3. Documents

Make sure you have all of your qualification documents ready. The fact that you are a qualified nurse is going to get you hired quickly. You should be able to prove this to the family. Once you have been working for a while, you might not even know where all of your documents are stored. This might be a good time to find your documents.

4. Resume

You cannot simply walk into a room with your documents and expect to be hired. Make sure you have your resume ready as well. Put your bls certification on resume to give yourself a better chance. Look at this as applying for a nursing position at a prestigious hospital. It’s better to be over prepared.

5. Availability

If you are planning to do this on the side, you might find that you don’t have enough time to balance both worlds. You are going to have to work out a system in which you are available to the caregiver. In this instance, you are her helpline in case something happens. You also need to guide her if there is a new complication she has not be trained at yet.

6. Listen

The caregiver is not a qualified nurse most of the time. This does not mean that there is no information she can share with you. Work on being a good listener. The caregiver is with the patient the majority of the time and should be given a little credit for that. When there is a report back, pay attention to what is being said. It could be crucial.

7. Create a system

When you are working with more than 1 person, it is always advisable to put a system in place. A schedule of your visits, when you are available for a phone call and at what time meds need to be administered is all part of a winning system. This is going to eliminate a lot of issues going forward.

8. Cover letter

Your resume and documents are very impersonal and just a lot of facts on paper. A cover letter can give a bit more insight into who you are as a person. A mental health nurse cover letter would usually be a good way to put the patient and the family at ease.

9. Research

Find out what the patient’s health situation is. The go ahead and do some additional research on the condition. Sure, you are a qualified healthcare professional, but there is nothing wrong with being prepared for ant scenario. Its little things like this that will help you build a stronger bond with the caregiver, the patient and the family.

10. Relax

You are qualified for this position and there are no two ways about it. Don’t allow the process of applying stress you out. With all of the experience and knowledge you have, don’t let this job create any doubt in your mind. You are capable and qualified to do a stellar job.

Final thoughts on becoming a nurse supporting family caregivers

Considering this avenue in your career is a great opportunity for you to help those in need. When a job comes from a place of passion, it is always going to benefit all parties. You can do this and it is a selfless job. Rewards come in the form of seeing the joy on your patients’ faces.

-Bobby Evans

Bobby Evans is a guest post writer and he works as a content writer. He specializes on nursing professional BLS certification on resume for ambulatory care nursing. Writing is not only his job but also his passion. His hobby is reading and traveling. His life motto is “Try to do your best and never give up!”.

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Exercise & FitnessHealth

5 Ways Weightlifting Can Reduce Falls for Seniors

by Guest Blogger
written by Guest Blogger

According to the CDC, in America, 25% of Americans 65 years of age or older fall each year. If you experience a fall, much like a concussion, you are much more likely to experience a fall in the next 6 months. With over 2.8 million injuries due to falls treated in emergency departments every year, it is clear that this is a concern for every single one of us as we age. 5 Ways Weightlifting Can Reduce Falls for Seniors
These falls, whether you are injured or not, can impact you in other ways. It can start to deteriorate your quality of life. First, the fear of falling starts to limit your engagement in social activities and day to day duties. Then it can start to hinder your confidence in doing basic things outside or in your living quarters.
With reduced activity comes greater physical decline, isolation, and a potential to worsen a slew of other health issues.
So what are you to do?
Maintain and improve functional independence at all costs.
There are habits, lifestyle changes, preventative and proactive measures that everyone could be taking. Although this applies to all ages, it becomes even more important the older you get.
Weightlifting is one activity that is invaluable. It improves your health, helps reduce fall risk factors, and improve functional independence. Often, lifting is not something that many people believe is a good fit for older adults and seniors. This is a common misconception even though countless studies have proven otherwise. It is not only safe but it is also effective.
Weightlifting helps by improving 5 specific aspects allowing seniors to keep living their best life.

Better Balance For a Better You

The characteristic of “balance” consists of two different types. The first is static balancing, the ability to maintain balance while not moving. The second is dynamic balancing, the ability to maintain one’s position while on the go. Both of these aspects of balance are important to be safe when doing everyday activities with confidence.
Weightlifting is able to make improvements in both the static and dynamic balance. Allowing you to move with greater ease and confidence.

Staying In Control With Enhanced Movement Control

Neuromuscular functioning and proprioception play a key role in functional independence. These two fancy terms are what allows your body to move in a coordinated fashion. Also they are responsible for your brain to know exactly where your limbs are and the effort being exerted throughout your body.
Unfortunately, these both begin to deteriorate with lack of use and age. Making moving about on your own a greater risk.
Weightlifting comes to save the day again by improving age-related declines in neuromuscular functioning. These improvements are demonstrated through greater movement control, balance, functional capacity, and proper movement.
How much training do you need to do to get these benefits? You can go all out with high volume training if you wish. Or you can keep it light with low volume. Both options provide these same benefits.
This doesn’t mean you should wait to include this into your lifestyle when issues arise. Why?
Well, because those who have been lifting as a part of their lives were actually protected from any loss in movement control as they aged. The sooner you get to lifting, the better.

Staying Limber With Greater Mobility & Flexibility

Being able to move with ease is something many of us take for granted. Over time, it can become difficult to bend over or reach for items on high shelves. As this occurs, it becomes harder to be fully engaged in your life and do some of the more simplest tasks.
For some of the seniors in my own life, bending over, reaching on high shelves, and the likes are unfortunately no longer safe options. When picking up something you dropped becomes rather difficult and even a fall risk, your functional independence is inhibited.
Through weightlifting, studies have shown that you are actually able to improve the flexibility in every single joint in the body. This means every single type of movement that you can do becomes easier with multi-joint movements becoming exponentially easier. In fact, hitting the weights more frequently actually makes leaning forward even easier.

Staying Active with Improved Functional Capabilities

You have seen how all these technical aspects of functional independence are improved by weightlifting but how will this combine to benefit you?
When it comes to walking, seniors saw their step length and step speed increase. On top of that, they were able to recover their balance when taking a single step from anywhere from fifteen to thirty percent. So when on the move, if there is a slight hiccup going from one step to another you will be more likely to recover than enduring a scary fall.
Other tasks that happen day in and day out can prove to be difficult as well. Whatever it may be, weightlifting seems to improve by making the task itself easier and reducing the amount of time it takes to do them. This can be everything from climbing stairs, rising from a chair, and going from standing to sitting. Essentially any other movements that require a level of strength and muscular control.

Reducing Risk Factors For Falls and Fear of Falling

If you are able to maintain balance, have greater movement control, improved mobility and flexibility, while being more functionally capable, you are going to experience less falls. It is just that simple.
What isn’t simple is the emotion around falls. Specifically, fear. Knowing how dangerous a fall can be can bring about a great deal of fear. Especially if you have endured a fall before. This fear can be a somewhat paralyzing one that holds you back from going about your life in a confidently.
Thankfully, as the ability to move with greater ease, speed, and strength improves, the fear has been shown to slowly dissipate. Allowing for greater peace of mind and confidence to carry on your day.

Staying Functionally Independent With Weightlifting

When you add it all up, the science is clear. By integrating weightlifting into your lifestyle not only will you prevent any further declines in your functional capabilities but you will also improve them. The more physically capable you are as you age the more active you are able to be and the more engaged life you can lead.

_______
By Nicholas Rizzo
With a passion for everything health and fitness, Nick uses his writing as an opportunity to help others lead a happier, healthier, and more active life. Having watched loved ones struggle through the aging process has motivated him to do what he can to help others take action today to avoid countless struggles later in life. He currently is the lead training, health, and wellness researcher and writer for RunRepeat.Com.

5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors 5 Ways Weightlifting Can Reduce Falls for Seniors

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Why Medicare is Primary for Small Employers
MedicareMedicare Plans

Why Medicare is Primary for Small Employers

by Jagger Esch
written by Jagger Esch

Turning 65 But Still Working; What To Do?

In this day and age more eligible Medicare Beneficiaries are choosing to continue working and they are confused about what they should do when reaching age 65. Why Medicare is Primary for Small Employers
In some cases, Medicare Beneficiaries can postpone their Medicare Part B and continue on their group coverage. Other times, these individuals will need to go ahead and pick up their Medicare Part B to stay on their employer’s group plan.
If you find yourself in this situation, take heed, there are a few things you need to know in order to be certain you are making the right decision for yourself, and not subjecting yourself to a potential penalty.

Should You Enroll in Part B or Delay it?

The number of employees your company has in their workforce will be the determining factor. If your employer along with all of their subsidiaries (if any), has more than twenty employees then your employer’s group health plan will be primary and Medicare secondary.
Naturally, in this case you will not be required to start your Medicare Part B and you will not incur a penalty for delaying enrollment. You should, however, check with your employer’s benefits administrator before you elect to delaying your Medicare Part B enrollment.
You will want to ensure that your employer coverage is considered creditable for Medicare Part B and/or Part D. If it is not you will need to pick up Medicare Part B and/or Part D to avoid a penalty.
If your employer and any subsidiaries has 20 employees or less, Medicare Parts A and B will be your primary coverage. What this means for you is that if you delay enrollment into Medicare Part B you will receive a Part B penalty of up to 10 percent for every consecutive 12 month period you do not have creditable coverage.

Medicare is Primary Means What?

When Medicare is primary it means Medicare is the first to pay and your employer coverage will pay after Medicare pays its portion. You will be responsible for any amount not covered after Medicare pays their portion and your employer’s group plans pays their portion.
Just as an example, when you go to the doctor you will be subject to Medicare’s deductible and the 20% left over. Your employer plan make pay all or part of those costs.
Keep in mind the employer coverage you have after turning age 65 may not be the same coverage that you had prior to being 65. Check with the benefits administrator from your employer to discuss what changes will be occurring to your current employer sponsored health coverage.

Which is Better, Employer or Medicare Coverage?

One of the biggest concerns when investigating policy benefits should be prescription drug coverage. Normally, employer plans do not have a gap in prescription drug coverage.
However, nearly all Medicare Advantage Plans that contain prescription drug coverage and all Medicare Prescription Drug Plans include a coverage gap. You may have heard the term “donut hole” used to describe the prescription drug coverage gap that impacts Medicare Beneficiaries.
Due to the new Bipartisan Budget Act of 2018, the coverage gap is closing in 2019, for brand name drugs. Nevertheless, the cost of prescriptions drugs during what was previously known as the coverage gap, will still increase just not as drastic as before.
Before making a decision, review your medical and prescription drug options and evaluate the benefits and risks of each choice. This determination will require you to ponder and decide for yourself.
Everyone’s situation is a bit different, needs and budget will vary from person to person. Comparing employer coverage versus Medicare as primary, it is not possible to say one is better than the other.
The way Medicare Plans are rated in your state should be another factor in your deliberations. You’re in an “issue age” state in you’re a resident of Florida. The closer you are to age 65 when enrolling in a Medicare plan will ensure a lesser price on your supplement plan for the lifetime of that coverage. Most states are not “issue “age”.
It does not matter what age rating is used in your state of residency, chances are you will still receive annual rate increases.

What About My Situation?

If you work for a small company that has a group health plan, and your employer has less than 20 employees, Medicare will usually pay first. However, Medicare would usually pay second if both of these apply to your situation:

  • Your employer joins with other employers or employee organizations (like unions) to sponsor a group health plan(called a multi-employer plan)
  • Any of the other employers have 20 or more employees

Your employer’s group health plan could ask for an exception. Even if your employer has less than 20 employees, you’ll need to check with the employer’s benefits administrator to find out if Medicare pays first or second.

If the employer has more than 20 employees, the employer sponsored group health plan will usually pay first. Always confirm with the benefits administrator.

Employers that have 20 or more employees are required to offer current employees that are 65 and older the same health benefits that they were entitled to when they were under 65, with the same conditions.
If the group health plan offered coverage to significant others, they must offer the same coverage to significant others aged 65 and older that they offer to significant others under the age of 65.

What About Claims?

If the employer sponsored group health plandidn’t pay the full cost of your bill, your doctor or health care providershould forward the bill to Medicare for an additional (secondary) payment.
Medicare will pay based on what the group health plan paid already, and what the doctor or health care provider charged. You’ll be responsible for any additional costs not covered by Medicare or your employer sponsored group health plan.
Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers Why Medicare is Primary for Small Employers

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How do the Medicare Deductibles work? One of the most common misconceptions that Medicare Beneficiaries have relates to their deductible. Most people that are going into Medicare for the first time are accustomed to having group coverage, and they may incorrectly be under the impression that once they take Medicare they don’t have to pay anything. Do Not Pay Your Part B Deductible at Doctor Appointments All of us wish this was the way things work, unfortunately it is not. When starting Medicare it is important to know what costs you are responsible for are and how you pay those expenses. Medicare Part A (Hospital) With Medicare Part A, in 2018, you must meet a deductible of $1,340 for each occurrence into the hospital, once that is met the benefit period last 90 days. In other words if you go back to the hospital within 90 days for the same thing you will not have to pay the $1,340 again, but if you go in for another reason you could have to pay it again. If you are in the hospital for more than 90 days additional costs will occur. It is also worth a mention that when in the hospital certain services could be covered under Medicare Part B instead of A. This means you could have additional costs beyond the $1,340 for the stay. Medicare Part B (Doctors) Medicare Part B has a annual deductible of $183in 2018. Once you have satisfied that deductible you will then be responsible for 20 percent of all costs, and potentially excess charges in most states. What is an excess charge? When you go to a doctor that accepts Medicare, there are two designations that come up. A doctor that accepts Medicare assignment, and A doctor that accepts Medicare but does not accept Medicare assignment. When a doctor accepts Medicare assignment it means they agree to accept what Medicare pays as full payment; if a doctor does not accept Medicare assignment it means they are allowed to charge up to 15% more than the Medicare approved amounts. That 15% is called an excess charge. How do I know if my doctor imposes excess charges? One of the easiest ways to find this out is simply ask, “Do you accept Medicare assignment?”, or “Do you charge excess charges?” Your doctor’s office will disclose to you if they do or do not accept Medicare assignment. You can also go to Medicare.gov and use the Physician lookup to look up your doctor and find out if they take Medicare assignment. Should I pay my deductible when I go to the doctor? This is a reoccurring question for Medicare Beneficiaries. It is a very important question to get the correct answer to, and here is how it works. When you go to the doctor you should show your Medicare card, if you have additional insurance like a Medicare Supplement you should show it as well. Upon conclusion of the doctor visit, the office staff will send the bill to Medicare. Once Medicare receives the bill they will determine if your deductible(s) has been met. If not, you will be sent a bill up to the amount of the deductible. If the bill is greater than the deductible, you may receive additional bills. Those bills will be for your 20% or excess charges. If you have secondary coverage such as a Medicare Supplement, some or all of those costs could be paid for by your supplement plan leaving you with little or nothing to pay out of pocket. If you have a Medicare Advantage Plan, the process will work a little differently and you have other concerns. A Medicare Advantage Plan essentially replaces your Original Medicare with a network based plan. When covered by a Medicare Advantage Plan it is common that you would have to pay at the doctors office prior to being seen. Some have out of network benefits. If your Medicare Advantage Plan has out of network benefits, it will also have a separate own set of co-pays, deductibles, and out of pocket costs. Most of the time your out of network responsibility will be double your in network amounts. What if I paid my doctor up front already? If you paid your doctor already for your deductible, it is possible Medicare will send you a bill for the deductible amount. It happens when Medicare receives an invoice from your doctor, Medicare automatically sends you a notice requesting payment for your deductible. If this happens you will need to pay that deductible to Medicare, and go back to your doctor and try to straighten it out with their billing department. Most medical provider billing departments know that with Medicare Beneficiaries they should not collect the deductible or any funds up front. This can be a hassle. If you have a doctors office that tried to make you pay your Medicare deductible up front, you may want to consider if that doctor has your best interest in mind. What about the hospital deductible? When it comes to the hospital deductible, it should work the same way. Upon being discharged, the hospital should bill Medicare. After Medicare applies their billing process you will receive bills for your portion, whether it be just the deductible or additional amounts. Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments
MedicareMedicare Plans

Do Not Pay Your Part B Deductible at Doctor Appointments

by Jagger Esch
written by Jagger Esch

How do the Medicare Deductibles work?

One of the most common misconceptions that Medicare Beneficiaries have relates to their deductible. Most people that are going into Medicare for the first time are accustomed to having group coverage, and they may incorrectly be under the impression that once they take Medicare they don’t have to pay anything. Do Not Pay Your Part B Deductible at Doctor Appointments
All of us wish this was the way things work, unfortunately it is not. When starting Medicare it is important to know what costs you are responsible for are and how you pay those expenses.

Medicare Part A (Hospital)

With Medicare Part A, in 2018, you must meet a deductible of $1,340 for each occurrence into the hospital, once that is met the benefit period last 90 days.
In other words if you go back to the hospital within 90 days for the same thing you will not have to pay the $1,340 again, but if you go in for another reason you could have to pay it again.
If you are in the hospital for more than 90 days additional costs will occur.
It is also worth a mention that when in the hospital certain services could be covered under Medicare Part B instead of A. This means you could have additional costs beyond the $1,340 for the stay.

Medicare Part B (Doctors)

Medicare Part B has a annual deductible of $183in 2018. Once you have satisfied that deductible you will then be responsible for 20 percent of all costs, and potentially excess charges in most states.

What is an excess charge?

When you go to a doctor that accepts Medicare, there are two designations that come up. A doctor that accepts Medicare assignment, and A doctor that accepts Medicare but does not accept Medicare assignment.
When a doctor accepts Medicare assignment it means they agree to accept what Medicare pays as full payment; if a doctor does not accept Medicare assignment it means they are allowed to charge up to 15% more than the Medicare approved amounts. That 15% is called an excess charge.

How do I know if my doctor imposes excess charges?

One of the easiest ways to find this out is simply ask, “Do you accept Medicare assignment?”, or “Do you charge excess charges?” Your doctor’s office will disclose to you if they do or do not accept Medicare assignment. You can also go to Medicare.gov and use the Physician lookup to look up your doctor and find out if they take Medicare assignment.

Should I pay my deductible when I go to the doctor?

This is a reoccurring question for Medicare Beneficiaries. It is a very important question to get the correct answer to, and here is how it works. When you go to the doctor you should show your Medicare card, if you have additional insurance like a Medicare Supplement you should show it as well.
Upon conclusion of the doctor visit, the office staff will send the bill to Medicare. Once Medicare receives the bill they will determine if your deductible(s) has been met. If not, you will be sent a bill up to the amount of the deductible. If the bill is greater than the deductible, you may receive additional bills. Those bills will be for your 20% or excess charges.
If you have secondary coverage such as a Medicare Supplement, some or all of those costs could be paid for by your supplement plan leaving you with little or nothing to pay out of pocket.
If you have a Medicare Advantage Plan, the process will work a little differently and you have other concerns. A Medicare Advantage Plan essentially replaces your Original Medicare with a network based plan. When covered by a Medicare Advantage Plan it is common that you would have to pay at the doctors office prior to being seen.
Some have out of network benefits. If your Medicare Advantage Plan has out of network benefits, it will also have a separate own set of co-pays, deductibles, and out of pocket costs. Most of the time your out of network responsibility will be double your in network amounts.

What if I paid my doctor up front already?

If you paid your doctor already for your deductible, it is possible Medicare will send you a bill for the deductible amount. It happens when Medicare receives an invoice from your doctor, Medicare automatically sends you a notice requesting payment for your deductible.
If this happens you will need to pay that deductible to Medicare, and go back to your doctor and try to straighten it out with their billing department. Most medical provider billing departments know that with Medicare Beneficiaries they should not collect the deductible or any funds up front.
This can be a hassle. If you have a doctors office that tried to make you pay your Medicare deductible up front, you may want to consider if that doctor has your best interest in mind.

What about the hospital deductible?

When it comes to the hospital deductible, it should work the same way. Upon being discharged, the hospital should bill Medicare. After Medicare applies their billing process you will receive bills for your portion, whether it be just the deductible or additional amounts.

Do Not Pay Your Part B Deductible at Doctor Appointments

Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments Do Not Pay Your Part B Deductible at Doctor Appointments

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