Donut Hole? Medicare Drug Plan Coverage Gaps

Author

Area Agency on Aging

For more information about the author, click to view their website: Area Agency on Aging

Posted on

Nov 12, 2024

Book/Edition

Florida - Sarasota, Bradenton & Charlotte Counties , Florida - Southwest

share-this
Share This

Most Medicare drug plans have a coverage gap (also called the “donut hole”). This means there’s a temporary limit on what the drug plan will cover for drugs. You enter the coverage gap when your total drug costs—including what you and your plan have paid for your drugs—reaches a certain limit.

In 2024, that limit is $5,030. While in the coverage gap, you are responsible for 25% of the cost of your drugs.

A SHIP (SHINE) counselor can answer your Medicare questions and help you understand coverage and options!

To reach SHINE, call the Helpline at 866-413-5337.

Other Articles You May Like

Geriatric Mental Health Counseling: Uplifting Minds with Compassion and Care

Program OverviewBaker Senior Center Naples offers Geriatric Mental Health Counseling to address the emotional and psychological challenges commonly experienced by older adults and their families. The program provides licensed, professional outpatient therapy in a supportive setting, including individual, couples, family, and group sessions tailored specifically for seniors.Who It's ForThis program supports seniors and caregivers dealing with: Anxiety and stress Depression Grief and loss Major life transitions (such as retirement or chronic illness) Cognitive changes Low self-esteem Anger, trauma, or unresolved emotional pain Loneliness and isolation Caregiver burnout What It Offers Outpatient Counseling: Confidential therapy for individuals or families needing support. Licensed Clinicians: Therapists are credentialed professionals with extensive geriatric experience. Holistic Mental Health Support: Services are goal-directed and client-centered, often incorporating creative therapies like music and group discussion. Support for Cognitive Conditions: Programming also benefits those experiencing memory loss, combining emotional guidance with social engagement. This program is vital for older adults who may be underserved by traditional mental health services or hesitant to seek help elsewhere.Funding & AccessibilityBaker Senior Center Naples is committed to removing financial barriers to mental health care. The program is: Partially grant-funded, ensuring low or no-cost therapy for qualifying individuals. Insurance-friendly, with many services covered under Medicare or private plans. Supported by donors and foundations, allowing expansion to meet the increasing mental health needs of older adults in Collier and southern Lee counties. Real-Life ImpactThe center has served dozens of seniors facing grief, depression, and isolation. One participant shared how therapy helped her cope with the loss of her spouse, regain emotional balance, and reconnect with life. These stories demonstrate the programs power to transform sadness into strength and disconnection into resilience.Leadership & Clinical Oversight The program is led by Pamela Osborne, LCSW, Chief Clinical Officer, who brings over three decades of experience in geriatric counseling and mental health services. She ensures clinical quality, therapist credentialing, and integration with the centers other programs, such as case management, caregiver support, and memory care services. Why It MattersChallengeSolutionSeniors facing grief or depressionPrivate, professional therapy sessionsCaregivers experiencing burnoutCouples or family counseling for stress reliefEmotional struggles from chronic illnessSupport groups and resilience coachingIsolation and loss of purposeGroup therapy and community-based activitiesLife transitions and role changesShort-term therapeutic support with clear goalsThis program not only supports emotional healing but also promotes dignity, independence, and improved quality of life. How to Access Services Eligibility: Adults aged 60 and older; family caregivers may also participate. Referrals: Seniors can self-refer or be referred by healthcare providers, family members, or case managers. Scheduling Appointments: Call the center directly to discuss availability, insurance coverage, or financial assistance options. Final ThoughtsGeriatric Mental Health Counseling at Baker Senior Center Naples is more than a clinical serviceit is a compassionate bridge to emotional wellbeing for older adults. Through professional counseling, strong leadership, and inclusive access, the center empowers seniors to overcome emotional hardships, reduce isolation, and build healthier, more connected lives. If you or a loved one are facing emotional challenges, Baker Senior Center Naples is ready to helpconfidentially, compassionately, and professionally.

Geriatric Case Management: Supporting Safe, Fulfilling Aging in Place

Overview & Why It MattersLoneliness, isolation, and complex health needs are pressing challenges for older adults. In Naples alone: Approximately 1 in 3 seniors wakes up feeling isolated each morning. Loneliness among older adults is associated with a 45% increased risk of mortality. Over 22,000 seniors in Naples live with dementia, and Alzheimers is diagnosed every 66 seconds nationwide. Reddit+12Baker Senior Center Naples+12BenefitsCheckUp+12 To address these challenges, Baker Senior Center Naples offers a robust Geriatric Case Management program designed to help seniors thrive at home, safely and with dignity. What the Program ProvidesProfessional Case Manager Services Conducts comprehensive in-home assessments, including daily living needs, home safety, and fall risk. Develops tailored care plans that may include community referrals, caregiver support, and benefits assistance. Maintains ongoing monitoring and plan adjustments to ensure evolving needs are met. Coordinates Medicare/Medicaid navigation, ensuring access to essential health coverage. Baker Senior Center Naples Volunteer Support Network Offers welfare checks, friendly phone calls, transportation assistance, and social engagement visits. Hosts programs like Music & Memory, delivering meaningful interaction for those with cognitive impairment. Baker Senior Center Naples+1csw.fsu.edu+1 Transportation & AccessibilitySeniors can access non-emergency medical transporttaxis or public transitwith door-to-door service that accommodates essentials like packages and service animals. Flexible scheduling (from same-day to weekly booking) is available, with insurance, voucher, or membership-based payment options. BenefitsCheckUp Impact & Reach Serves over 140 frail seniors, helping them maintain independence and manage chronic health conditions. Baker Senior Center Naples+5Baker Senior Center Naples+5BenefitsCheckUp+5 Funded in part by a $242,500 grant from the Collier Community Foundation, enabling staff expansion to assist around 50 additional low- to moderate-income seniors and handle up to 1,500 case calls yearly. swfloridabusinesstoday.com+4swfloridabusinesstoday.com+4swfloridabusinesstoday.com+4 Extensions & Oversight Part of Baker Senior Centers comprehensive services including clinical mental health care and dementia respite programming overseen by a licensed clinical officer. Reddit+12swfloridabusinesstoday.com+12Baker Senior Center Naples+12 Megan Edwards, CCM, appointed in November 2024 as Director of Geriatric Case Management, enhances reach into under-served populations, supporting independence and reducing homelessness risk. Baker Senior Center Naples+2swfloridabusinesstoday.com+2Baker Senior Center Naples+2 Benefits for Seniors & FamiliesBenefitDescriptionSafety & IndependenceProfessional in-home assessments and care coordination support aging in place.Holistic SupportCombines practical help (transportaging, tech assistance) with emotional and cognitive engagement.Advocacy & AccessGuides seniors through complex systems like Medicare/Medicaid and community services.Isolation ReductionRegular interaction via volunteer visits promotes resilience and social wellbeing. How to Access the Program Eligibility: Adults 60+ in Collier and southern Lee counties; frail or isolated seniors are prioritized. Enrollment: Contact the Center at (239) 3254444 or email for an intake appointment to initiate assessment and care plan development. BenefitsCheckUp+2Baker Senior Center Naples+2Baker Senior Center Naples+2Intellispect+7Baker Senior Center Naples+7Baker Senior Center Naples+7 Summary Baker Senior Center Naples Geriatric Case Management program empowers older adults to remain healthy, connected, and safe in their own homes. Through in-home professional assessments, tailored care plans, volunteer support, and transportation services, this initiative addresses critical needs such as social isolation, health navigation, and quality-of-life concerns. Backed by clinical oversight, community grants, and a strong volunteer force, the program plays a vital role in the centers mission to enrich the lives of seniors in Southwest Florida.

Member Programs at Baker Senior Center Naples

Baker Senior Center Naples sets the stage for vibrant, purpose-driven experiences tailored for adults aged 60 and above. Heres an in-depth look at their dynamic member programs: Core PhilosophyPrograms are thoughtfully crafted to help seniors socialize, stay active, and continue learning in an uplifting, nurturing environment. They equip participants to navigate lifes shifts with ease and confidence Facebook+8Baker Senior Center Naples+8YouTube+8. Weekly Wednesday Hot LunchA cornerstone of their offerings, the midday lunch gathers around 400 members. Its more than a mealits community. It fosters connection and camaraderie while members enjoy social interaction in a welcoming atmosphere . Cyber Caf & Tech ClassesThe Richard M. Schulze Family Foundation Cyber Caf invites members to unwind over coffee and conversation. Beyond leisure, tech workshopscovering smartphones, tablets, and computersempower seniors to stay digitally connected and confident . Arts, Culture & Enrichment ProgramsFrom painting, decoupage, and watercolor to resin creations and readers theater, the center brims with artistic inspiration. Cultural touchpoints like opera viewings, travelogue presentations, film screenings, jazz evenings, and guest lecture series (e.g., on Northern Thailand and nutrition labeling) enrich the mind and spirit . Exercise & Wellness ActivitiesDesigned to promote strength, flexibility, and balance, offerings include: Total Fitness, Senior Fitness, Move & Groove Bone Building Fitness, Tai Chi, Chair Yoga Balance & Posture, Karate Fitness, Flex & Thrive Line Dancing, Morning Yoga, Veterans' Mobility These gentle yet effective sessions support excellent physical well-being DOEA. Mind & Memory EnrichmentMembers engage in mindfulness meditation, origami, trivia, current events, writing groups, and more. Regular documentary features like Our Oceans and bi-weekly movie matinees create shared moments of reflection and dialogue . Music & Social ClubsLearn ukulele, join drum circles or karaoke lounges, take part in the Happy Ukulele Group (HUGS), garden with peers, or enjoy instrument-based gatherings. These social options keep camaraderie thriving . Monthly Featured EventsEach month, exclusive highlights include: Paint the Town evenings Lectures like Northern Thailand Chiang Mai and Lamphun Performances: Gypsy Jazz, Twilight Cabaret, opera presentations Screenings of foreign films such as Jean DiFflorette These events offer rich intellectual and cultural engagement Facebook+3DOEA+3Baker Senior Center Naples+3. Sample Daily ScheduleMondayThursday see packed days: Mornings begin with fitness or creative arts. Midday features hot lunch, documentaries, and social gatherings. Afternoons offer painting, writing, dancing, meditation, and games. Fridays focus on leisure: gardening, cards, games, film screenings, drum circles, art, chess, and comedy clubs form a light-hearted farewell to the week . Dementia & Memory-Focused BreaksThe center supports early memory loss through Brookdale Cognitive Healthstructured activities using music, art, gentle exercise, and socialization to foster cognitive wellness. Caregiver support groups provide much-needed respite and community Baker Senior Center Naples+1Baker Senior Center Naples+1. Watch this quick news segment on how their dementia respite groups are making a real difference: Membership & Access Available to adults 60 and older. Members enroll via MyActiveCenter to reserve classes or events. Non-members can join by applying in person or contacting the center. Programs are offered at minimal or no cost, with many covered by insurance or included in membership Baker Senior Center Naples. Why It MattersBaker Senior Center Naples is more than a community hubits a lifeline. It combats isolation, nurtures lifelong learning, supports mental health, encourages physical activity, and offers crucial support for memory loss and caregiving. Its inclusive, vibrant programming promotes personal growth, connections, and well-being.Interested? Explore the monthly schedule or newsletter for upcoming events. New members can apply at 6200 Autumn Oaks Lane or call (239)3254444. Ask about caregiver support sessions, dementia respite, or tech help. Let me know if you'd like a formatted overview for a flyer or tips on how to highlight certain programs!

Local Services By This Author

Area Agency on Aging for Southwest Florida

Support Groups & Services 2830 Winkler Avenue, Suite 112, Fort Myers, Florida, 33916

The Area Agency on Aging for Southwest Florida (AAASWFL) is a nonprofit organization serving older adults (age 60-up) and adults with disabilities. We serve Charlotte, Collier, DeSoto, Glades, Hendry, Lee and Sarasota counties. AAASWFL is committed to connecting older adults and adults with disabilities to resources and assistance for living safely with independence and dignity.AAASWFL is also the states designated Aging and Disability Resource Center for Southwest Florida. We provide information and resources for seniors and adults with disabilities. We also help their families and caregivers. AAASWFL can connect you with local resources like elder care, adult day care, housing assistance, home care, meals, housekeeping, legal assistance, personal care, and even volunteer opportunities.Providing Long-Term Care (LTC) services to Floridas most vulnerable citizens is a multi-agency effort. The Agency for Health Care Administration (AHCA) administers the Statewide Medicaid Managed Care (SMMC) Long-Term Care program, sets coverage policy, and gets those eligible for services enrolled in a LTC plan. The Department of Elder Affairs (DOEA) is responsible for determining medical eligibility and level of care needed. We are one of eleven regional Area Agencies on Aging in the state of Florida. Nationwide, there are more than 600 Area Agencies on Aging serving elders and adults with disabilities.Please contact the Area Agency on Aging for Southwest Florida if we can be of assistance to you, a friend or a family member!The AAASWFL Elder Helpline is available between 8:00 am-5:00 pm Monday through Friday:  866-413-5337 (866-41-ELDER)Contact Phones:Telephone: 239-652-6900FAX: 239-652-6989Toll Free: 866-413-5337 (in the State of Florida)Postal address:Area Agency on Aging for Southwest Florida2830 Winkler Avenue, Suite 112Fort Myers, FL 33916Hours of Operation:Monday-Friday: 8am 5pm

Area Agency on Aging for Southwest Florida

Adult Day Services 2830 Winkler Avenue, Suite 112, Fort Myers, Florida, 33916

The Area Agency on Aging for Southwest Florida (AAASWFL) is a nonprofit organization serving older adults (age 60-up) and adults with disabilities. We serve Charlotte, Collier, DeSoto, Glades, Hendry, Lee and Sarasota counties. AAASWFL is committed to connecting older adults and adults with disabilities to resources and assistance for living safely with independence and dignity.AAASWFL is also the states designated Aging and Disability Resource Center for Southwest Florida. We provide information and resources for seniors and adults with disabilities. We also help their families and caregivers. AAASWFL can connect you with local resources like elder care, adult day care, housing assistance, home care, meals, housekeeping, legal assistance, personal care, and even volunteer opportunities.Providing Long-Term Care (LTC) services to Floridas most vulnerable citizens is a multi-agency effort. The Agency for Health Care Administration (AHCA) administers the Statewide Medicaid Managed Care (SMMC) Long-Term Care program, sets coverage policy, and gets those eligible for services enrolled in a LTC plan. The Department of Elder Affairs (DOEA) is responsible for determining medical eligibility and level of care needed. We are one of eleven regional Area Agencies on Aging in the state of Florida. Nationwide, there are more than 600 Area Agencies on Aging serving elders and adults with disabilities.Please contact the Area Agency on Aging for Southwest Florida if we can be of assistance to you, a friend or a family member!The AAASWFL Elder Helpline is available between 8:00 am-5:00 pm Monday through Friday:  866-413-5337 (866-41-ELDER)Contact Phones:Telephone: 239-652-6900FAX: 239-652-6989Toll Free: 866-413-5337 (in the State of Florida)Postal address:Area Agency on Aging for Southwest Florida2830 Winkler Avenue, Suite 112Fort Myers, FL 33916Hours of Operation:Monday-Friday: 8am 5pm

Area Agency on Aging for Southwest Florida

Health & Help Lines 2830 Winkler Avenue, Suite 112, Fort Myers, Florida, 33916

The Area Agency on Aging for Southwest Florida (AAASWFL) is a nonprofit organization serving older adults (age 60-up) and adults with disabilities. We serve Charlotte, Collier, DeSoto, Glades, Hendry, Lee and Sarasota counties. AAASWFL is committed to connecting older adults and adults with disabilities to resources and assistance for living safely with independence and dignity.AAASWFL is also the states designated Aging and Disability Resource Center for Southwest Florida. We provide information and resources for seniors and adults with disabilities. We also help their families and caregivers. AAASWFL can connect you with local resources like elder care, adult day care, housing assistance, home care, meals, housekeeping, legal assistance, personal care, and even volunteer opportunities.Providing Long-Term Care (LTC) services to Floridas most vulnerable citizens is a multi-agency effort. The Agency for Health Care Administration (AHCA) administers the Statewide Medicaid Managed Care (SMMC) Long-Term Care program, sets coverage policy, and gets those eligible for services enrolled in a LTC plan. The Department of Elder Affairs (DOEA) is responsible for determining medical eligibility and level of care needed. We are one of eleven regional Area Agencies on Aging in the state of Florida. Nationwide, there are more than 600 Area Agencies on Aging serving elders and adults with disabilities.The Elder Helpline866-413-5337 (866-41-ELDER)The Area Agency on Agings Helpline is your starting point for finding aging, disability, and caregiver resources.  These resources can be government-funded, nonprofit services, or even private-pay options. Our goal is to help our callers find the help they need to live safely and independently. Our supportive Helpline specialists provide unbiased information and referrals.  Helpline staff is available by phone Monday through Friday from 8:00 a.m. until 5:00 p.m. at 866-413-5337 (866-41 ELDER)The helpline is a toll-free service. It is part of the U.S. Administration on Agings nationwide Eldercare Locator network.You can search for elder and disability services online, 24 hours a day, 7 days a week.  Who Can Call the Helpline?The Helpline is available for adults 60 and over, along with adults with disabilities, caregivers, and others in Southwest Florida.  Our staff can assist in English, Spanish, and nearly 200 other languages.  If you are calling from outside Southwest Florida, please call the statewide Helpline at 1-800-96-ELDER.  Outside the state of Florida, call the Eldercare Locator at 1-800-677-1116.What Happens When I Call the Helpline?Every call is different, and every caller has different needs.  AAASWFL Helpline specialists listen carefully to each callers questions and concerns.  Our Helpline specialists will answer your questions, refer you to local services, and explain how to access those services.  These services may be available through Federal, state, or local agencies.  Our AAASWFL staff helps callers to understand their options.In some cases, AAASWFL will need to screen callers for government-funded services.   AAASWFL staff conducts these screenings at a convenient later date.  Eligible callers are then entered into the State of Florida Department of Elder Affairs priority list for services.