Are You Prepared For Your Long Term Care?

Medicare has been changing yearly and 2026 will be no exception. What is ahead for Medicare this fall and why?Carriers are still feeling the effects of the Inflation Reduction Act, which passed in 2022, but just took full effect in January of 2025. Beginning January 1, 2025, people with Part D plans through traditional Medicare and Medicare Advantage plans with prescription drug coverage, won't pay more than $2,000 over the calendar year in out-of-pocket costs for their prescription medications, the donut hole or coverage gap is eliminated and there is a new payment plan to spread drug costs through the year. Those changes came at a cost to other benefits. The Inflation Reduction Act significantly increased the carriers expenses and in response benefit cuts occurred for 2025 and will continue for 2026. Carriers had to absorb the steep cost increase for the mandatory prescription drug plan changes by balancing the budget, which included increases in beneficiaries copays, deductibles added to plans, the plan maximum out of pocket increased, non-medical benefits were reduced, a prescription drug deductible was added, and prescriptions were re-tiered or eliminated from the list of covered drugs. 2026 will see further adjustments as the carriers remove most benefits deemed non-medical. Seniors who have grown accustomed to benefits such as an over-the-counter allowance or food subsidy may see those benefits sharply reduced or eliminated this fall. Plans must be submitted to Centers for Medicare & Medicaid Services for approval in early spring to be ready for the enrollment period in fall to be active for the following calendar year, so carriers have had little time to study the impact of the Inflation Reduction Act on overall costs. Insurance moves slowly. The changes we are feeling in 2025 are the result of a bill passed in 2022 and will continue to affect plans in 2026. This fall will feel like a continuation of the benefit cuts seniors faced in the fall of 2024 as carriers work to balance the budget while considering the increased prescription costs and trying to maintain the plan benefits seniors rely on. For more information visit: aismedicareandmore.com Editors Note: This article was submitted by Jolynn Allen with AIS Medicare & More.  Jolynn is the owner of AIS Medicare & More and may be reached at:  719-404-3202

Why Hire an Elder Law Attorney? Elder law attorneys specialize in estate planning, incapacity planning, and end-of-life care for seniors, helping them remain in their homes and protect against abuse. They are essential in planning for the future and addressing the needs of a vulnerable population. How Can an Elder Law Attorney Help? Long-Term Care Planning: As the number of Americans over 65 is projected to exceed 80 million by 2040, planning for long-term care is increasingly important. Elder law attorneys assist seniors in creating financial plans to cover essential needs like food, rent, and medical care. They also guide clients in applying for public benefits such as Medicaid and Medicare. Housing: Many seniors wish to age in place. Attorneys can represent clients in landlord-tenant disputes, helping them navigate issues like city ordinance violations. They also protect seniors against housing discrimination under the Fair Housing Act. Estate Planning Document Preparation: Elder law attorneys draft critical documents such as wills, health care directives, and powers of attorney, ensuring that seniors rights are protected regarding retirement benefits and medical decisions. A solid estate plan reduces family stress and potential inheritance disputes. Incapacity Planning: Attorneys can help document care wishes for seniors facing disabilities or conditions like dementia. With the rising number of Alzheimers cases, having a plan for incapacity is vital for protecting financial and physical well-being. Guardianship: In cases where an older adult cant make decisions due to conditions like dementia, attorneys assist family members in securing guardianship, which involves legal proceedings and court hearings. They can also advocate for the seniors autonomy by exploring alternatives to full guardianship. Combating Elder Abuse: Elder abuse is a significant public health issue, affecting one in six adults aged 60 and older. Elder law attorneys are well-versed in the rights of seniors and can provide legal recourse against abusers while implementing safeguards like advance directives to protect against financial exploitation. By addressing these diverse needs, elder law attorneys play a critical role in supporting the aging population and ensuring their rights and well-being are protected. Editors Note:  This article is for informational purposes only and is not intended to be legal advice.This article was submitted by Ashley Day, Esq.  Reach her at 251-277-3377.      

Understanding the Difference Between Home Health and Private Duty CareOne of the most common questions we receive is, Whats the difference between Home Health and Private Duty care? While both services provide essential support for individuals in need of care at home, they differ significantly in purpose, structure, and funding. Understanding these differences can help you make informed decisions about the best care options for your loved ones.What Is Home Health Care?Home Health Care is a medical service that focuses on helping individuals recover from illness, injury, surgery, or often following a hospital stay. This type of care is typically short-term and is designed to restore or improve a patients ability to function independently.Key Characteristics of Home Health Care1.        Payor Source: Home Health is usually covered by health insurance, Medicare, or Medicaid. To qualify, a patient must meet specific requirements, including a qualifying event (e.g., hospital discharge or significant change in health status) and a physicians order to initiate services.2.        Goal-Oriented: The primary aim of Home Health is to improve the patients condition within a defined time frame. For example, physical therapy may be provided to help regain mobility after surgery, or a nurse may assist in managing medications during recovery.3.        Medical Focus: Home Health includes skilled medical services such as wound care, injections, monitoring vital signs, and therapy (physical, occupational, or speech).4.        Short-Term Duration: Services typically last a few weeks to a few months depending on the patients progress and medical needs.What Is Private Duty Care?In contrast, Private Duty Care provides non-medical support that is tailored to meet the individuals daily living needs. This care is designed to enhance quality of life and allow individuals to age in place or remain safely at home for as long as possible.Key Characteristics of Private Duty Care1.        Payor Source: Private Duty care is primarily funded out-of-pocket by individuals or families. In some cases, long-term care insurance may cover services, but this varies by policy.2.        Flexible and Personalized: Private Duty care offers tremendous flexibility, accommodating everything from a few hours a week to 24/7 care. Services are customized to the specific needs of the client and their family.3.        Non-Medical Support: Services include assistance with activities of daily living (ADLs) such as bathing, dressing, meal preparation, light housekeeping, companionship, and transportation to appointments.4.        Long-Term Option: Unlike Home Health, Private Duty care can be a long-term solution supporting individuals for months or years as their needs evolve.How They Work TogetherWhile Home Health and Private Duty care serve different purposes, they often complement each other. For instance, a patient may receive Home Health services after surgery to address medical needs but transition to Private Duty care for ongoing support with daily tasks once Home Health ends.Advantages of Danville Private DutyCareAt Danville Support Services, we are proud to offer high-quality Private Duty care tailored to your loved ones needs. Here are some of the unique benefits we provide:1.        Bridging the Gap After Home Health: When Home Health services conclude, families may feel overwhelmed by the responsibilities of caregiving. Our Private Duty caregivers can step in to fill this gap ensuring your loved one continues to receive the support they need.2.        Peace of Mind for Families: Private Duty care allows family caregivers to take a much-needed break. Whether youre planning a vacation, attending work, or managing personal commitments, you can rest assured that your loved one is in capable hands.3.        Long-Term Care Insurance: If your private duty care provider has a home health license, they may take long-term care insurance. With this payment option, the client is reimbursed for the cost of their care by their insurance provider.  4.        Reduced Hospital Readmissions: With consistent care and monitoring, our services help prevent complications that could lead to hospital readmissions.5.        Licensed and Insured: We adhere to the highest standards of care, ensuring all our caregivers are licensed, insured, and well-trained.6.        Continuous Training for Caregivers: Our caregivers undergo regular training to stay up to date with best practices ensuring the highest level of service.7.        Nursing Services Available: In addition to non-medical care, we offer nursing services for clients who require occasional medical oversight in Salt Lake City.8.        Serving Multiple Locations: We proudly serve Salt Lake City, Park City, and St. George, making it convenient for families across these regions to access our care.Why Choose Private Duty Care?Private Duty care provides a holistic approach to caregiving. It not only supports the physical well-being of individuals but also enhances their emotional and social health. Our caregivers provide companionship reducing feelings of isolation and loneliness which are common among older adults.In addition, Private Duty care is an excellent resource for families. The emotional and physical demands of caregiving can be overwhelming leading to burnout. By entrusting us with caregiving responsibilities, families can focus on building meaningful relationships with their loved ones without the stress of day-to-day tasks.Customizing Care for Your Loved OneAt Danville Support Services, we recognize that every individual has unique needs. Thats why we take the time to create personalized care plans for each client. Whether your loved one requires occasional assistance or round-the-clock care, well work with you to design a solution that fits your situation. You can reach us at 801-363-1521. Contact Us TodayIf youre navigating the complexities of Home Health versus Private Duty care, were here to help. Contact Danville Support Services to learn more about how we can support your family and provide the peace of mind you deserve or danvillesupportservices.com.  Check out our Sandy Location List at Danville Support Services, or call us at (801) 363-1521.