For more information about the author, click to view their website: Area Agency on Aging for Southwest Florida
Medicare covers a lot, but Medicare Parts A and B alone may not offer all the coverage you want or need. For example, Medicare doesn’t cover most dental, vision, and hearing care, including hearing aids. It also doesn’t cover most non-emergency transportation or care outside of the United States. Even when Medicare does cover your care, there may be out-of-pocket costs left to you, like copays and coinsurances, that can really add up. Today we’ll discuss ways to add on to your Medicare to help you access these types of care. A quick-reference handout is available here for download.
Medigaps: Covering out-of-pocket costs
Medigaps are health insurance policies that work with Original Medicare—not with Medicare Advantage. They are sold by private insurance companies.
If you want to purchase a Medigap policy, you need to find out the best time to buy one in your state.
• In most states, insurance companies must only sell you a policy at certain times and if you meet certain requirements.
• If you miss your window of opportunity to buy a Medigap, your costs may go up, your options may be limited, or you may not be able to buy a Medigap at all.
• Even if you do not have the right to buy a Medigap in your state, you may still be able to buy a policy if a company agrees to sell you one. However, know that companies can charge you a higher price because of your health status or other reasons.
Medicare Advantage Plans: Supplemental benefits
Medicare Advantage Plans may cover things that Medicare can’t cover. These are called supplemental benefits. Examples of common supplemental benefits are: dental care, vision care, hearing aids, and gym memberships.
Medicare Advantage Plans can also offer benefits that are not primarily health-related for beneficiaries who have chronic illnesses, like meal delivery, transportation for non-medical needs, and home air cleaners.
Medicaid: For limited income and assets
Medicaid in your state may cover dental, vision, hearing, long-term care, or transportation services. You may qualify for Medicaid if you have a low income and minimal assets. Contact your local Medicaid office to learn if you qualify.
Stand-alone plans: Covering what Medicare doesn’t
You can purchase stand-alone dental, vision, or hearing plans through private insurance companies.
Strategies for low-cost care outside of Medicare
You can find low-cost care for services not covered by Medicare, in places like Federally Qualified Health Centers or Community Health Centers. Schools and facilities that train dentists, optometrists, and audiologists may also offer low-cost care. Students work with patients under the supervision of experienced, licensed providers.
Look out for over-the-counter (OTC) hearing aid scams
Medicare does not cover most hearing care, including hearing aids. Because OTC hearing aids are a new product, older adults may not realize that they can buy one without a prescription from a doctor. Fraudsters may take advantage of this, stealing a person’s Medicare number when selling the devices. Also, some companies selling OTC hearing aids may make false claims, have unclear or misleading labels, and fail to offer the guarantees and customer support they promise.
Below are red flags that may point to hearing aid scams, identified by the National Council on Aging (NCOA):
Hearing aid scams can range from dishonest companies misleading you to someone calling to tell you Medicare will cover a hearing aid in an attempt to get your Medicare number or promise you other unneeded medical supplies.
For more information call your local SHIP/SMP contact. In Florida the State Health Insurance Assistance Program (SHIP) is known as SHINE. Call 866-413-5337 toll-free, email [email protected], or visit floridashine.org.
Digital what? Footprint? You may be thinking thats what you leave behind at the beach. While that may be correct, it is also what you leave behind every time you provide your email, set up a new online account, or allow your data to be tracked. Your digital footprint is the trail you leave behind with Location services on your phone. It is the data you leave behind when commenting on Aunt Sallys Facebook page, sharing your familys vacation pictures on Instagram, or traipsing around the internet to various sites looking for that cute Lladro figurine your mother wanted for Christmas. All of it tells something about you whether you realized it was happening or not.Most of the time, the sharing of your data what you do, how you do it, etc. may not be a big deal. Or is it? The reality is that your data supports big business every day. It is collected, bought and sold (mostly without your knowledge) by data brokers (i.e., Acxiom, Epsilon), credit and identity bureaus (i.e., Experian, Equifax, TransUnion), and Big Tech Companies (i.e., Google, Amazon, Meta, Microsoft, Apple) that share your data with their partners and ad networks.The danger to you is when there is a data breach at one of the many sites that has your data and your data is captured and posted on the dark web. This enables nefarious characters to better target you for scams and potentially steal your identity. Call Lily in the Details today 941-237-0157 and schedule Understanding Your Digital Footprint, Navigating the Online World Safely and Wisely for your community.
By Dr. David RiceSouthwest Florida is home to more than 100,000 veterans, according to the U.S. Department of Veterans Affairs.They own homes, manage businesses and pay taxes here. They volunteer at local nonprofits and donate to local causes. They are the core of our community.Nearly every day, at least one veteran walks into Advocate Radiation Oncology for treatment. Cancer impacts people from every background, including veterans. Even the most hardened veterans struggle with a cancer diagnosis, which is understandable; no one is invincible and cancer generates a wave of emotions shock, anxiety, frustration, fear and stress.Over the years, veterans in Charlotte and Sarasota counties have found an ally inside the treatment room Dr. Brian Lawenda. A board-certified, Harvard-trained physician who completed medical school at Temple University, Lawenda has all the credentials to help a patient feel confident that they're in good hands, medically speaking. Then they find out something else about their physician. He is a veteran, too, having served this country 13 years with the U.S. Navy and attaining the rank of commander."When I enlisted, I took an oath to serve this country and uphold the U.S. Constitution," Lawenda said. "When I became a doctor, I pledged to dedicate my practice to patients and the community I serve, and it's especially gratifying when those patients are fellow veterans."The best doctors don't just treat symptoms; they connect with patients, usually through shared experiences they're from the same state, cheer for the same sports team or attended the same university. Lawenda's military experience helps create an instant doctor-patient bond that continues during treatment and beyond. In fact, Lawenda has become the region's go-to radiation oncologist for veterans, not just Navy veterans, but those who have admirably served across all six branches of the military."When he told me he served in the Navy, it gave me comfort," said Ret. Command Master Chief Scott Fusco, a North Port resident who recently completed prostate cancer treatments at Advocate. "I had absolute trust in him from that point on."Lawenda wasn't the only veteran on Fusco's care team, either. His urologist also served in the Navy and referred Fusco to Dr. Lawenda for treatment."We served at different times and places, but we're all part of the same team," Fusco said. "They've been there, done that, just like me. There is instant respect, instant trust."Lawenda, who sees patients at Advocate's cancer treatment centers in Port Charlotte and Venice, specializes in the treatment of prostate, lung, breast, head and neck, rectal, liver, bone, cervical and other types of cancers. Although Lawenda doesn't technically specialize in the treatment of veterans, he is especially proud to support patients like Fusco on their cancer journey."A veteran may retire or end their military service, but he or she will never stop serving this country and their community," Lawenda said. "Being able to help local veterans beat cancer is extremely gratifying and certainly rewarding. The military is a brotherhood and a sisterhood, and I'll continue fighting for my brothers and sisters."About the AuthorDr. David Rice is a board-certified radiation oncologist who sees patients through Advocate Radiation Oncologys cancer treatment centers in Port Charlotte and Venice. Visit AdvocateRO.com for more information.
A warm welcome doesn't require a perfect house. Whether family is coming for an afternoon or staying a few nights, a little planning now can make holiday gatherings more comfortable for everyone.1. Have the conversation earlyConfirm dates, overnight arrangements, food preferences, and any mobility needs. Let guests know what works for you, including visit length and quiet time.2. Create a comfortable place to landFresh linens, a clear bedside surface, and an easy-to-reach lamp can make a guest space feel welcoming. No guest room? Agree on sleeping arrangements ahead of time.3. Make movement easierClear hallways and stairs, secure or remove loose rugs, and check lighting between sleeping areas and bathrooms. Keep frequently used items within comfortable reach.4. Put safety before tidinessStore medications securely, especially when children are visiting. Check smoke and carbon monoxide alarms according to the manufacturer's instructions, and keep exits clear.5. Share the hostingInvite family to bring a dish, help with cleanup, or organize an activity. Keep meals simple and make room for breaks. Being together matters more than doing everything yourself.6. Make space for connectionSet out a few family photos, plan a favorite game, or ask guests to share a memory. Often, the simplest traditions are the ones everyone remembers.
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
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