Optimizing tech for older adults

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TechKnowledgy

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Jan 10, 2025

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Florida - Southwest

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By 2040, the U.S. Census Bureau estimates that 80 million U.S. citizens—almost a quarter of the population—will be age 65 or older. As new technologies continue to enter our lives at a breakneck pace—many designed by those at the younger end of the age spectrum—what does that mean for this large cadre of people?

The answer, in part, depends on how much tech companies understand these users and collaborate with them on designs and applications to best support their lives. That’s challenging because sometimes older users have different needs than younger users, and also because the range of technical abilities of 65- to 95-year-olds is vast and varied.

Fortunately, thanks to extensive training and knowledge in areas like aging, cognitive psychology, human factors, neuropsychology, and more, psychologists are helping to ensure that technology will be useful for all of us in our later years.

“Augmenting support and enabling individual autonomy are uppermost in my mind when I think about designing technology for older adults,” said Wendy A. Rogers, PhD, head of an interdisciplinary program at the University of Illinois at Urbana-Champaign called CHART (Collaborations in Health, Aging, Research, and Technology). “I can’t emphasize enough that technology’s purpose is not to do away with human support,” she said, “but rather to enhance what is possible.”

The COVID-19 pandemic has made it additionally clear that a comfortable relationship with technology is an important need for older adults, as evidenced by the difficulty many have had in registering for vaccines online and by the way technology has helped mitigate loneliness during a difficult time, said Sara J. Czaja, PhD, director of the Center on Aging and Behavioral Research at Weill Cornell Medicine in New York and a prominent researcher in the area.

“People who saw no value in having access to a computer or mobile device before the pandemic now see that value because having access allows them to connect with family and loved ones,” she said.

Designing homes to serve

One major focus for psychologists in the area is developing home-based technologies to make life easier, safer, and more interesting for older adults. CHART is at the cutting edge of this work, bringing together faculty and students in community health, psychology, engineering, architecture, public health, and other disciplines to design and study technologies for successful aging.

The program’s signature research space is called the McKechnie Family LIFE (Living in Interactive Future Environments) Home, and it opened its doors in January. The space looks like a roomy, ultramodern house outfitted with the latest smart technology and gadgets, including smart refrigerators, ovens, digital assistants, home sensors—even coffee makers. The facility also includes an independent control room where researchers can simulate remote activities like telehealth, as well as an innovation lab and classroom space.

Because the pandemic has made it unsafe for older adults to come to labs, a lot of current work involves tech development for the home, said Rogers. In one set of projects, researchers are testing robots to perform tasks of daily living. StretchTM, a research robot developed by the company Hello Robot, can reach up or down to pick up objects, helping older adults avoid a major cause of falls. Another technology is a type of “soft robot” developed by Girish Krishnan, PhD, an assistant professor in the Grainger College of Engineering at the University of Illinois at Urbana-Champaign. It’s made of soft, elastic materials that can flexibly reach areas that a hard robot can’t. Krishnan’s team is testing a version with a camera on one end for potential telehealth purposes: If a person has a wound in a place that’s hard to see or reach, for example, the robot could take images and forward them to a health care provider—an effective and potentially low-cost alternative to relying on home health aides.

Psychologists’ role in this work is to study how people react to such devices and provide input to engineers on features that could facilitate people’s ability to accept, trust, rely on, and control—to “grok,” in tech terms—their mechanical friends, said Rogers. That means fine-tuning how such robots communicate with people and how they look—a vital area of research that is still evolving.

“The idea of sociability, including appearance, could be very important for building a trust relationship,” she said.

Her team and others are also working to help older adults who aren’t as comfortable with technology make better use of digital assistants like Amazon’s Alexa and Echo. In a pilot study with 12 older-adult Echo owners, for example, a team headed by Lyndsie M. Koon, PhD, now at the University of Kansas, found that disgruntled users cited problems such as difficulty using the voice-activation feature and low levels of perceived support for learning the technology (Ergonomics in Design, Vol. 28, No. 1, 2020).

To improve that situation, the team has created instructional videos that take these factors into account and is now testing them with groups of older adults. Meanwhile, researchers at the TechSAge research center at the Georgia Institute of Technology (Georgia Tech) are studying Alexa’s potential to help people with limited mobility tackle home chores, connect with others, exercise, and perform health care activities, thanks to funding from the National Institute on Disability, Independent Living, and Rehabilitation Research (NIDILRR).

Supporting technology uptake

For those with the means and education to use it, modern technology can be a big plus. But there remains a large swath of older adults who can’t afford pricey tech and lack access to and education on the basics. A February report by the nonprofit Older Adults Technology Services, for example, found that 22 million older Americans lack internet access and that older adults with less than a high school degree or an income of less than $25,000 are 10 times more likely than the general population to be offline. Meanwhile, the report found, Black and Latinx older adults are, respectively, more than 2.5 and 3.6 times more likely than the general population to lack computer access.

Helping these individuals access, use, and enjoy computers is the central aim of psychologists involved in an ongoing study called the PRISM (Personal Reminder Information & Social Management) trial, conducted by researchers who are part of a five-university collaborative known as CREATE (Center for Research and Education on Aging and Technology Enhancement). CREATE is directed by Czaja, who founded it in 1999 to ensure that technology benefits and can be successfully used by older adults. Since its inception, CREATE has been continuously funded by the National Institute on Aging.

Although it has undergone several iterations, PRISM is in essence a software system that’s designed to be easy to use from the get-go and to support people’s social connectivity, access to resources, memory, and new learning. Now, researchers in PRISM’s second phase are conducting intervention studies with low-income and ethnically diverse participants in assisted living facilities in Miami, senior housing in Atlanta, and rural areas in Tallahassee, Florida. They’re also testing the system with individuals in New York City who have cognitive impairments.

The first phase of the trial, held at three sites, involved 300 adults ages 65 to 85 who received the PRISM system on their computers or in binders containing the same information. At 6 months, the online group reported significantly less loneliness and greater perceived social support and well-being than the binder recipients. They also showed greater computer self-efficacy, proficiency, and comfort with computers at 6 and 12 months than they did at baseline, the team found (The Gerontologist, Vol. 58, No. 3, 2018).

In a second, ongoing phase, 250 additional older adults in a variety of living contexts are receiving a similar PRISM intervention on a tablet with added social interaction features such as videoconferencing and social media. Researchers are comparing PRISM 2 with a typical tablet computer without the PRISM software. Results will be released later this year.

As with many studies that involve older adults in planning and testing, quantitative results don’t adequately capture the importance that PRISM has for participants, said cognitive psychologist Walter “Wally” Boot, PhD, a CREATE principal investigator at Florida State University (other CREATE sites include Weill Cornell Medicine, the University of Miami, Georgia Tech, and the University of Illinois at Urbana-Champaign). One participant, for instance, was upset that her church had gone completely online and no longer mailed out church bulletins.

“She said she didn’t want to be a burden and request that a copy be printed just for her,” said Boot. So, when she discovered that she could connect with the church online and get her materials electronically, she was thrilled.

“In some ways, the standardized measures of loneliness and social isolation undersell the real impact that technology can have on older adults’ lives,” Boot said.

Many of the same researchers who have been involved with CREATE and PRISM are now collaborating with additional centers that include other aging populations that could reap significant benefits from technology. One example is a new 5-year center called ENHANCE (Enhancing Neurocognitive Health, Abilities, Networks, and Community Engagement), also funded by the NIDILRR. Codirected by Czaja and Boot, its mission is to help people who have mild cognitive impairment, traumatic brain injury, or post-stroke cognitive impairment gain social support and connect with community resources through technology.

For example, the team plans to develop user-friendly instructional support for transportation apps like Uber and Google Maps that will include a PRISM-like system designed specifically for people with these types of cognitive impairments.

The success of these programs depends on researchers collaborating closely with end users, said Boot.

“Before you start designing technology solutions,” he said, “you really need to do the homework and talk with people about their issues and challenges.”

Promoting safe driving

Other researchers are using technology to study the best ways to enhance driving safety among older adults, including in automated vehicles.

In one line of work, a team of researchers headed by cognitive and engineering psychology researcher Jing Feng, PhD, of North Carolina State University (NC State), have developed and are studying a task that tests people’s reactions in simulated driving scenarios that require focused attention, for example driving through a busy intersection with pedestrians present.

In a study under review, two groups of drivers received training on the task, while a third group did not. Then, participants either performed the driving task, watched others doing it, or did nothing at all. Those who took the training and performed the task had fewer incidents and were better able to detect and avoid pedestrians and other obstacles than those in both control groups. If the task were tested and validated on a wider scale, it could prove a useful tool for drivers who want to assess and improve their attentional abilities on the road, Feng said.

Meanwhile, Feng and others are also studying how older adults might adapt to automated vehicles as they become more common. In one study, Hallie Clark, PhD, also of NC State, and Feng found that young and old drivers responded equally quickly to an automatic vehicle’s notification to resume manual control but that, in doing so, older drivers tended to brake harder (Accident Analysis & Prevention, Vol. 106, 2017).

Eventually, such findings could inform training for drivers of all ages on the use of these vehicles, Feng said. “These factors need to be taken into account so that people can become more comfortable with the technology while also understanding its limitations.”

Inspiring new thinking

Studying the intersection of psychology, technology, and aging tends to challenge stereotypes that older people can’t cope with technology or that they only want simplistic designs. In fact, research by Georgia Tech senior research scientist Tracy Mitzner, PhD, and the CREATE team indicated that older adults generally hold positive views about technology and are open to using helpful devices in their daily lives (Computers in Human Behavior, Vol. 26, No. 6, 2010). What’s more, they’re sometimes as proficient as younger adults at some tasks. For example, Feng thought older drivers might have more difficulty and be slower in assuming control of automated vehicles than younger drivers. But “they were equally good at taking over, and they didn’t really show inferior capability,” she said.

Designing technology for older adults can also hold surprises, said NC State professor and human factors psychologist Anne McLaughlin, PhD. Many technology companies, for example, forge ahead with designs that they think would benefit older adults without understanding the differences in various age ranges or consulting potential users. But many would-be buyers end up finding those products clunky and unattractive. “They say, ‘That’s not for me—I’m going to be 70, but I’m not old,’” she said.

For these reasons and more, psychologists are important and necessary partners in this work, Rogers and others said. “Engineers and roboticists and computer scientists can do the building, but we bring that needed human perspective,” she said.

Psychologists also understand that technology will never be a substitute for human interaction, Czaja added.

“But if technology is well designed and people are given the appropriate training, it can be used to augment the delivery of programs and services, especially to people who really need it,” she said. “And we’re certainly learning that that is not only feasible, but that people embrace it.”

Tech benefits for long-term care residents

For the past two decades, New Jersey–based clinical neuropsychologist Laura Palmer, PhD, ABPP, and colleagues have provided comprehensive psychological and neuropsychological services to older adults at Winchester Gardens, a continuing-care facility in Maplewood, New Jersey. Seven years ago, her team added a research piece to their efforts that is intended to help these older adults incorporate technology into their lives in ways that enhance their cognitive, psychological, physical, and social well-being. 

 As part of this work, the team is testing the effects of the brain-training program Lumosity on residents’ memory, attention, and other cognitive abilities. They’re finding that it’s helping residents—many in their 90s—increase their verbal fluency and maintain cognitive functioning. But their research is more holistic than that, said Adriana Dunn, PhD, an assistant professor at Seton Hall University in South Orange, New Jersey, who helped design and is running the research project with Palmer.

“We have consistently helped people think about and use technology in many other areas that we now know are important for cognitive health,” including good nutrition, exercise, and social engagement, she said.

Each Wednesday, the team holds sessions on such topics and provides curated online resources that residents can explore further. They also regularly connect with residents in personal and practical ways that enhance technology uptake. Ally Chironna, a social work student at Simmons University in Boston, is on call for any technological snafus, and all team members share warm relationships with the residents, including by facilitating regular visits with Prince Harry, a certified therapy dog.

The COVID-19 pandemic has prompted the need for additional training in technology, with team members helping residents use videoconferencing platforms to visit with family and each other and to take part in team-led support groups. Some residents have made maximal use of what they’ve learned: One resident wrote two novels on his computer, and another is learning Spanish through Duolingo, an online language app. On a more poignant note, technology has enabled some residents to attend the virtual funeral services of loved ones, Palmer said.

As the residents gain newfound skills in and uses for technology, the work demonstrates the importance of the human touch in learning and using these devices and applications, Dunn noted.

“Psychologists have such an in-depth understanding of this population and where technology is relevant for them,” she said. “If you try to teach them things that aren’t relevant, it won’t be helpful.”

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As your parents age, the roles youve always known might start to shift. Where once they were the caregivers, suddenly you find yourself stepping into the role of protector and provider. The transition from child to caregiver can feel overwhelming as you take on the responsibility of ensuring their health, safety, and overall well-being.Balancing these new duties with your own lifeyour career, your family, your personal timecan quickly become emotionally and physically draining. Without a clear plan, its easy to feel trapped caring for elderly parents. But with the proper knowledge, preparation, and resources, you can offer your parents the care they deserve without sacrificing your well-being.Caring for aging parents is both rewarding and challenging, but it doesnt have to be done alone. This essential checklist for aging parents will provide you with practical tips and guidance to navigate this new chapter with confidence and compassion.Health & Medical CareManaging your elderly parents physical health is one of the most important ways to ensure they maintain the best possible quality of life in their later years. This involves more than just addressing immediate health issuesits about being proactive in managing chronic conditions, scheduling regular check-ups, and staying informed about their overall health.The goal is to prevent complications before they arise by providing timely care and attention, whether for preventative measures or urgent health needs. Staying organized, keeping track of appointments, and collaborating with healthcare professionals can significantly reduce stress and improve the quality of care your parents receive.Heres a health and medical care checklist for elderly parents to help you stay on top of their care needs:Schedule regular physical exams and screenings: Ensure your parents receive annual check-ups, including vision and hearing tests, blood pressure monitoring, and screenings for conditions like diabetes and heart disease. These routine exams are essential for identifying potential issues early in elderly parents.Create a medication list: Keep an up-to-date list of all prescriptions, including dosages, schedules, and over-the-counter medications. Store medications in a clearly labeled pillbox to help prevent confusion and ensure theyre taken correctly.Set medication reminders: Use phone alerts, caregiver apps, or automatic pill dispensers to remind your parents when its time to take their medications. This helps reduce the risk of missed doses and ensures consistency in their treatment plan.Research and manage chronic conditions: Take the time to learn about any chronic conditions your parents may have, such as diabetes, arthritis, or heart disease. Understanding these conditions can help you anticipate care needs, manage symptoms, and make informed decisions about their treatment.Establish healthcare partnerships: Foster a good relationship with your parents primary care physician and any specialists they see regularly. Open communication with healthcare providers ensures that you stay on top of any changes in your parents health and treatment plans.Arrange for home health aides: If your parents need extra support with medical care or daily activities, consider hiring home health services. These professionals can assist with everything from medication management to personal care, making life easier for both you and your aging parents.Prioritize preventive care: Schedule regular flu shots, vaccines, and cancer screenings (like mammograms and colonoscopies). Preventive care is key to reducing the risk of illness and maintaining your parents health.Organize medical records: Keep a well-organized file of all medical records, including test results, appointment notes, and treatment plans. Having everything in one place ensures that youre always prepared for doctor visits and can quickly reference important information when needed.Living Environment & SafetyA safe and accessible home is essential for reducing accident risks and helping your elderly parents maintain their independence for as long as possible. As mobility, vision, and hearing decline, even minor adjustments to their living space can make a significant difference in both safety and comfort. The right safety measures and accessibility features not only enhance security but also increase their confidence in navigating their environment.Heres a safety checklist for elderly parents to help ensure their home is both secure and comfortable:Perform a safety evaluation. Look for potential hazards around the home, such as loose rugs, uneven flooring, or poor lighting.Install safety modifications: Add grab bars in all bathrooms, check that handrails on staircases are secure, and install non-slip mats in showers or any place with rugs.Optimize the lighting: All areas of the home especially hallways and staircases should be well-lit. Consider adding motion detectors to prevent late-night falls. Declutter common areas: Clear all pathways and high-traffic areas to reduce the risk of tripping or falling.Consider accessibility upgrades: If wheelchair or scooter access is needed, it can be a good idea to install ramps, stairlifts, or wider doorways.Prepare for emergencies: Install smoke detectors, carbon monoxide detectors, and an emergency alert system and check the batteries often. Secure essential items: Keep frequently used items, like medication, phones, chargers, and remotes, within easy reach.Financial Management & Legal ConsiderationsOne of the most challenging aspects of caring for aging parents is navigating the financial and legal responsibilities that come with it. The complexity of managing their finances, securing legal protections, and planning for future care can feel overwhelming. 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A strong financial and legal plan not only helps you manage their care more effectively but also protects their assets and honors their wishes.Heres a financial management and legal checklist to guide you through these important tasks:Assess financial health: To get a clear picture of their financial situation, review all income they have coming in and check amounts in savings, investments, expenses, and debts.Set up power of attorney (POA): Someone trustworthy should be appointed to make financial or healthcare decisions if a loved one or a parent becomes incapacitated and unable to do so for themself.Review legal documents: Ensure that your parents Wills and any Trusts are up-to-date. If there have been any significant life changes (e.g., marriages, divorces, births, or deaths), their Estate Plan may need to be revised. An estate attorney or financial planner can help with any necessary updates.Organize important paperwork: Gather all critical documents, including insurance policies, tax records, property deeds, and any legal paperwork like wills, powers of attorney, and healthcare directives. Store them in a secure, easily accessible place, such as a fireproof safe or a digital file with encryption.Plan for long-term care costs: Its essential to have open, honest conversations with your parents about the reality of paying for long-term care, whether its assisted living, in-home care, or a nursing home. Research the costs involved and explore funding options like long-term care insurance, Medicaid, or personal savings.Monitor bills and expenses: Alleviate financial stress by setting up automated payments to manage recurring monthly expenses like utilities, car and insurance payments, and credit cards.Explore benefits: Take the time to research government programs that could help reduce financial strain. Check if your parents are eligible for Medicare (healthcare for those 65+), Medicaid (for low-income individuals needing long-term care), or any veteran or pension benefits they may be entitled to. Emotional & Social SupportAs your parents age, emotional well-being becomes increasingly important for maintaining their quality of life. 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Whether its attending local events, joining senior clubs, or meeting up for coffee, staying socially engaged is vital for their emotional well-being.Monitor mental health: Be attentive to signs your elderly parent needs help, such as withdrawal from activities, irritability, or changes in sleep or appetite. If you notice symptoms of depression or loneliness, address the concerns early on. Promote hobbies and interests: Encourage your parents to continue doing the things they love. Whether its gardening, knitting, playing cards, doing puzzles, or listening to music, providing them with opportunities to engage in familiar, enjoyable activities can boost their mood, stimulate their mind, and reduce feelings of isolation.Facilitate communication: Thanks to modern technology, staying in touch is easier than ever. 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A legacy plan ensures that their memories and wishes are preserved for future generations.Review insurance and benefits: Ensure life insurance policies and other benefits are up-to-date and that all beneficiaries are accurate. Confirm coverage details and address any gaps to provide financial security for your parents and their loved ones.Explore hospice care options: Research and understand hospice care options, ensuring that your parents will receive compassionate, personalized care when the time comes. Having these arrangements in place ahead of time ensures a smoother transition and greater peace of mind.Self-Care for the CaregiverBeing a caregiver for older parents is one of the most compassionate roles you can take on, but its also one of the most demanding. Even with the best intentions, caregiving can leave you physically, mentally, and emotionally drained. Neglecting your own well-being can lead to caregiver burnout, stress, or even depression, making it harder to provide the care your parents need.Taking time for self-care isnt a luxuryits a necessity. By prioritizing your own health and happiness, youll be better equipped to continue offering support to your parents in the long run. The below self-care tips for caregivers will help you maintain balance and well-being as you navigate your caregiving journey.Set boundaries: Establish clear boundaries to avoid taking on more than you can handle. Define the tasks youre responsible for, and dont hesitate to delegate when needed. Take regular breaks: Schedule regular breaks to rest, relax, and recharge. Whether its a few minutes each day or a weekend getaway, time away from caregiving is critical to maintaining your physical and mental health. Practice stress management: Incorporate relaxation techniques like mindfulness, meditation, or yoga into your routine. 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A therapist can teach you how to navigate the emotional demands caregiving requires.The physical and emotional demands of caregiving can leave caregivers feeling rundown and overwhelmed. With a lack of privacy and competing responsibilities, caregiving for your parents can often feel like a reversal of roles.  Talkspace therapist Reshawna Chapple, PhD, LCSWSupporting Your Parents Well-Being with TalkspaceCaring for aging parents is a deeply rewarding yet often overwhelming experience, and it can take a significant emotional and physical toll on both you and your loved ones. Recognizing that you need support is an essential step in maintaining your own mental and emotional well-beingand ensuring your parents receive the care they deserve.While a comprehensive checklist for caring for elderly parents is a great start, sometimes you need additional help to navigate the challenges of caregiving. Thats where Talkspace comes in. 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It offers essential physical and mental health coverage to eligible low-income adults, pregnant women, elderly adults, children, and people living with disabilities. While therapy covered by Medicaid is virtually a given for anyone with a diagnosed mental health condition, the scope of coverage varies, and not all services are allowed.Mental health services that Medicaid typically covers include:Outpatient psychotherapy also known as talk therapySessions with psychologists, counselors, therapists, psychiatrists, and clinical social workersBehavioral therapyMedication managementPsychiatric medicationsCommunity-based services such as case management and support groups for recovery ( available in some states )Some in-patient services for children and adults 21 years and youngerSubstance use disorder treatmentLimitations in Medicaid Mental Health CoverageLike any healthcare plan, there are limitations to Medicaid therapy coverage. Understanding coverage limits and exclusions is crucial so you can be prepared for any therapy costs you might be financially responsible for as a Medicaid recipient.Number of therapy sessions coveredThe number of therapy sessions covered by Medicaid per year is one aspect that varies widely from state to state. In some states, Medicaid recipients have comprehensive benefits that will pay for an extensive number of sessions annually. Other states cap benefits after a certain number of visits.Types of treatments not coveredSome mental health services fall outside the scope of what Medicaid offers and, thus, arent covered at all. Examples generally include anything considered experimental or not widely recognized by medical standards and treatments that arent heavily research-based.Most of the following services arent covered in the majority of states:Holistic therapy and treatmentsMarriage counselingCouples counseling servicesSessions with a life coachMassage therapyExperimental therapiesAromatherapyState program differencesThe differences between state programs range from the maximum number of sessions to the types of treatment that will be covered.Covered services: Factors like local regulations or budget constraints within state-specific Medicaid programs can mean something that might be commonly covered in one state but is a no-go in another.Cost: Nearly all states have Medicaid programs that offer mental health services at no cost. States that do require a copay typically make the rates very affordable in some cases, as low as $2 $4 per visit.Number of visits allowed: As noted, some states cap how many therapy session visits a Medicaid recipient can have in a year. Others set no limits and will enable you to have as many as you want or need. If you live in a state that only lets you have a set number of therapy visits, the cost of any sessions beyond that limit will be your financial responsibility.How to Check Your Medicaid Mental Health CoverageUnderstanding the benefits and services you have under Medicaid starts with looking at the guidelines and provisions of your states program. 1. Identify your states Medicaid programWhile a seemingly straightforward step, identifying your states Medicaid program is critical because each state can have slight nuances that are important to be aware of. Not only can benefits vary, but eligibility for coverage and the enrollment process can also be different.To find this information, you can visit the official Medicaid website for your state or contact your states Department of Health and Human Services. You can get comprehensive details on Medicaid coverage, including how to apply, eligibility criteria, and the specific mental health services covered.2. Access your Medicaid account onlineOnce you know your states program and where to find resources and support, you can create and access a personal account online (in most states). This is a simple way to review plan specifics without sitting on hold or waiting for return calls, emails, or mailed information or documents.3. Review your Medicaid plan detailsThe most essential part of checking Medicaid therapy coverage is assessing your programs plan details. You should fully understand what mental health services are covered and available to you, including things like:Therapy sessionsCounseling availabilityMedication and prescriptions4. Utilize tools and resources provided by your stateTake advantage of tools like plan comparison charts and benefit summaries on your states website. These resources are designed to simplify complex details and make them more digestible.5. Understand service limits and requirementsTo get a comprehensive understanding of service limits and requirements, take note of things like caps on the number of sessions and any mandated requirements. You should also find out if prior authorizations are necessary or if youll need a primary care referral before seeking treatment.6. Contact your states Medicaid office for personalized assistanceIf youre feeling overwhelmed or still have questions, contact your local Medicaid office directly. Its a smart way to get the answers you need. Youll find personalized assistance and support to navigate the program.Get Affordable Online Mental Health TreatmentFinding the right mental health services can be challenging, especially when cost is a concern but its important to know that options do exist via Medicaid therapy coverage. For many people, the perception that therapy is too expensive can be a barrier, but using Medicaid insurance can significantly reduce the cost and make mental health care more accessible. If youre unsure how to pay for therapy with insurance, you can get one step ahead when you understand that mental health services and therapy covered by Medicaid can differ by state. Now, you can explore the avenues available for cost-effective or no-cost treatment for your mental health condition. Note that Medicaid doesnt currently cover Talkspace online therapy. Check what forms of payment Talkspace accepts at this time.Online therapy platforms like Talkspace are taking the concept of affordable mental healthcare even further. Not only is the out-of-pocket expense for online therapy often less than traditional therapy, but Talkspace has also partnered with most major health insurance providers to ensure effective mental healthcare is within reach for everyone.Learn more about how to get therapy by contacting Talkspace today.Sources:Medicaid & Chip How To Information: Beneficiary resources. Medicaid. Accessed January 20, 2024. https://www.medicaid.gov/about-us/beneficiary-resources/index.html#statemenuTalkspace articles are written by experienced mental health-wellness contributors; they are grounded in scientific research and evidence-based practices. Articles are extensively reviewed by our team of clinical experts (therapists and psychiatrists of various specialties) to ensure content is accurate and on par with current industry standards.Our goal at Talkspace is to provide the most up-to-date, valuable, and objective information on mental health-related topics in order to help readers make informed decisions.Articles contain trusted third-party sources that are either directly linked to in the text or listed at the bottom to take readers directly to the source.

Medicare Mental Health Coverage

Research shows those who enroll in government-funded plans are more likely to have mental health needs. Thankfully, Medicares role in covering therapy offers a path for many people to access the critical care they need. That said, navigating Medicares coverage for mental health care services and its limitations can prove difficult. If youre wondering if Medicare covers mental health, youre in the right place.Medicare offers various coverage options to address widespread mental health needs. While the programs complexity can be daunting initially, getting the most out of this resource means learning what services are available and what restrictions you should be aware of as a Medicare beneficiary.Keep reading to learn everything you need to know about Medicare coverage for therapy and other mental health services.Note: Medicare covers Talkspace online therapy in select states, with more states to come soon.Does Medicare Cover Therapy & Mental Health Care Services?The short answer is yes. Medicare offers coverage for therapy and a variety of other mental health services. Depending on which part you use, some benefits of Medicare coverage include counseling or therapy, in-patient care, outpatient care, medication management, and certain preventive services.Who Qualifies for Medicare Mental Health Coverage?Medicare mental health coverage is only available for those who meet specific eligibility criteria. To qualify for mental health coverage under Medicare, you must meet one of the following conditions:Be 65 years of age or older.Have a qualifying disability (younger than 65).Have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)If you fall into one of these categories, you may be eligible for Medicare benefits for mental health services including therapy services, counseling, and psychiatric care like prescription drugs for a mental health condition. Mental Health Coverage Under MedicareMedicare therapy coverage and benefits will vary depending on which part of the program youre using. Original Medicare Parts A and B is the foundation.Medicare Part A: In-patient mental health careYou can think of Medicare Part A as hospital insurance. It helps pay for in-patient (meaning youre admitted to the hospital) mental healthcare and covers things like your hospital room, meals, and nursing care. It also covers related services and supplies that might be necessary during your stay.Part A can cover mental health needs like:In-patient room costsMealsNursing careLabsSome medicationsTherapyMedicare part B: Outpatient mental health servicesMedicare Part B can be thought of as medical insurance. It helps pay for outpatient services related to mental health, including visits to mental health professionals like psychiatrists, doctors, clinical psychologists, or social workers. Treatments such as individual or group therapy sessions are covered under Part B.Part B can cover mental health needs like:Wellness visitsIndividual therapyGroup therapyAnnual screenings for depressionPsych evaluationsAppointments with a clinical social workerDiagnostic labs and testsSome medicationsMedicare Advantage Part CMedicare Advantage Part C provides coverage on top of the benefits Parts A and B offer.Medicare Advantage Part C can cover things like:Grief counselingMore telehealth optionsMedicare Part D: Prescription drug coverageMedicare Part D is used to offset the costs of prescription drugs that are useful in managing mental health. For example, Part D of Medicare coverage helps you afford things like mood stabilizers and antidepressants.MedigapWhile not technically part of Medicare, Medigap is sold to help supplement gaps in coverage in the Original Medicare plan. Medigap policies help with mental healthcare costs like copayments, deductibles, or coinsurance.Limitations in Medicare Mental Health CoverageMedicare is a lifeline for many people seeking mental healthcare, but like most things, it does have some limitations. While it generally helps with the cost of the most common mental health treatments, not everything is paid for. Several factors are used to determine what will be covered.Number of therapy sessions coveredWhile therapy is likely a benefit under your Medicare plan, there can be limitations to the number of sessions covered annually by the mental health care provider.Types of treatments not coveredThe type of treatment you receive is another area that can impact coverage and cost as a Medicare beneficiary. While some approaches to mental health like holistic or experimental therapies have gained popularity in recent years, they arent always covered by Medicare. Youll likely be responsible for out-of-pocket costs if you use specific treatments. As an example, Original Medicare therapy coverage doesnt include the cost of pastoral counseling or hemodialysis for schizophrenia. Other areas of care Medicare doesnt cover might include:Private duty nursingToiletries during in-patient staysAdult day healthTransportationPrivate room costs (if not medically necessary)Outpatient mealsData interpretationReport preparationRecreational activitiesHow to Check Your Medicare Mental Health CoverageTo fully understand what Medicare will cover, review your current plan in detail. You can do so by accessing your online account.1. Log in to your Medicare accountLog into your online Medicare account. The secure portal provides specific details about your plan and coverage. The information you find here will help you make healthcare decisions to avoid unexpected costs in the future. Youll get a summary of your coverage and be able to add medication and pharmacies to compare costs for drugs.If you havent created your account yet, the 3-step process is simple make sure you have your Medicare card and then go to the Medicare website:Click the button or link to Create AccountEnter your Medicare numberEnter your Part A coverage start date (just month and year); if you dont have Part A, you can also enter Part B or immunosuppressive drug coverage informationEnter your informationEnter your last name, date of birth, zip code, and email address (if you dont have email, information can be mailed to the address on file; just click the box I dont have an email addressClick the box agreeing to the statementSet up your accountCreate your usernameCreate a passwordSelect and answer a Secret QuestionClick the green Create Account button2. Review your current plan detailsCheck whats covered under your plans mental health benefits. Look for the limitations of each plan type Original Medicare, Medicare Advantage, etc. so youre prepared for any financial responsibility. If youre looking for guidance on how to find a therapist covered by insurance, its important to check with your current healthcare provider to understand which mental health professionals and services are included in your plan. 3. Use the Medicare plan finder toolDont be afraid to leverage the portals Medicare plan finder tool. This resource helps you compare different plans and understand your coverage options thoroughly to know which option caters best to your needs and financial situation.4. Check annual notices for changesMedicare benefits can change. Its vital to review essential documents like the Annual Notice of Change (ANOC) and the Evidence of Coverage (EOC) you receive.Read these documents thoroughly every year youre enrolled in any Medicare plan. Stay informed about significant changes that may affect the type of coverage you have or what mental health services will cost you.5. Contact Medicare for personalized assistanceNavigating any insurance coverage can be a complex and confusing journey. If youre seeking answers to specific questions, dont hesitate to reach out directly. Preparing your questions in advance is a good idea so the process is as efficient and effective as possible.The Medicare website has valuable resources and contact information to help you connect with a customer service representative trained to answer your questions about plan benefits. You can reach someone by calling 1-800-MEDICARE or using the sites convenient online live chat feature. Chat is available 24 hours a day, 7 days a week (except for certain holidays). Get Affordable Online Mental Health TreatmentFinding solutions for mental health treatment that you can afford might seem overwhelming, but online therapy  like Talkspace is an accessible, convenient, and affordable option that makes therapy readily available, regardless of financial constraints. Talkspace has partnered with most major insurance providers to ensure affordable care options outside of Medicares current scope are also available to members.Talkspace online therapy accepts Medicare in specific states (with more added continually) to bridge the gap between vital mental healthcare and affordable treatment. Medicare Advantage is not covered at this time, but should be coming soon. Other options include online therapy covered by various insurance providers. Reach out today to learn more about getting mental health assistance from licensed professionals at Talkspace.Sources:Guth M. State policies expanding access to behavioral health care in Medicaid. KFF. December 9, 2021. Accessed January 20, 2024. https://www.kff.org/medicaid/issue-brief/state-policies-expanding-access-to-behavioral-health-care-in-medicaid/Cox ER, Marwick KF, Hunter RW, Priller J, Lawrie SM. Dialysis and plasmapheresis for schizophrenia: A systematic review. Psychological Medicine. 2020;50(8):1233-1240. doi:10.1017/s0033291720001324. Cox ER, Marwick KF, Hunter RW, Priller J, Lawrie SM. Dialysis and plasmapheresis for schizophrenia: A systematic review. Psychological Medicine. 2020;50(8):1233-1240. doi:10.1017/s0033291720001324. https://www.cambridge.org/core/journals/psychological-medicine/article/abs/dialysis-and-plasmapheresis-for-schizophrenia-a-systematic-review/7C67B61C3AB146EF41A0D2609ED2845A . Accessed January 20, 2024.Welcome to Medicare. Medicare. Accessed January 20, 2024. https://www.medicare.gov/Talkspace articles are written by experienced mental health-wellness contributors; they are grounded in scientific research and evidence-based practices. Articles are extensively reviewed by our team of clinical experts (therapists and psychiatrists of various specialties) to ensure content is accurate and on par with current industry standards.Our goal at Talkspace is to provide the most up-to-date, valuable, and objective information on mental health-related topics in order to help readers make informed decisions.Articles contain trusted third-party sources that are either directly linked to in the text or listed at the bottom to take readers directly to the source.

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TechKnowledgy Team

Life Long Learning , , ,

Are you feeling overwhelmed by the fast-paced world of technology?It can be frustrating to see how quickly devices and apps evolve, leaving you struggling to keep up. This frustration often leads to feeling disconnected and less confident in your ability to navigate the digital world. But it doesnt have to be this way. TechKnowledgy Team offers personalized tech education tailored to your pace, helping you confidently connect with loved ones and learn from the comfort of your home. Say goodbye to tech frustration and hello to a more connected and empowered life. Erick Montano has an extensive background in the creative industry, having worked in the visual effects sector from 2010 to 2014. His expertise contributed to blockbuster films such as The Avengers, Captain America: The First Avenger, Thor, Pompeii, and Anchorman 2, among others. Following his time in Los Angeles, Erick began applying his technical skills to help neighbors, family, and friends with various tech-related issues. His passion for technology and problem-solving naturally evolved into providing support and education for those around him.In 2014, Erick transitioned into the non-profit sector in Naples, FL, where he continues to contribute to various organizations. His work in non-profits has deepened his understanding of community needs, particularly recognizing the challenges seniors face with rapidly changing technology. This experience, coupled with his creative background, has shaped Ericks approach to tech educationfocusing on empathy, accessibility, and empowerment. Today, as the founder of TechKnowledgy Team, Erick is dedicated to helping seniors and others gain confidence in using technology, bridging the digital divide one lesson at a time.

TechKnowledgy Team

Education , , ,

Erick Montano has an extensive background in the creative industry, having worked in the visual effects sector from 2010 to 2014. His expertise contributed to blockbuster films such as The Avengers, Captain America: The First Avenger, Thor, Pompeii, and Anchorman 2, among others. Following his time in Los Angeles, Erick began applying his technical skills to help neighbors, family, and friends with various tech-related issues. His passion for technology and problem-solving naturally evolved into providing support and education for those around him.In 2014, Erick transitioned into the non-profit sector in Naples, FL, where he continues to contribute to various organizations. His work in non-profits has deepened his understanding of community needs, particularly recognizing the challenges seniors face with rapidly changing technology. This experience, coupled with his creative background, has shaped Ericks approach to tech educationfocusing on empathy, accessibility, and empowerment. Today, as the founder of TechKnowledgy Team, Erick is dedicated to helping seniors and others gain confidence in using technology, bridging the digital divide one lesson at a time.

TechKnowledgy Team

Continuing Education , , ,

Are you feeling overwhelmed by the fast-paced world of technology?It can be frustrating to see how quickly devices and apps evolve, leaving you struggling to keep up. This frustration often leads to feeling disconnected and less confident in your ability to navigate the digital world. But it doesnt have to be this way. TechKnowledgy Team offers personalized tech education tailored to your pace, helping you confidently connect with loved ones and learn from the comfort of your home. Say goodbye to tech frustration and hello to a more connected and empowered life. Erick Montano has an extensive background in the creative industry, having worked in the visual effects sector from 2010 to 2014. His expertise contributed to blockbuster films such as The Avengers, Captain America: The First Avenger, Thor, Pompeii, and Anchorman 2, among others. Following his time in Los Angeles, Erick began applying his technical skills to help neighbors, family, and friends with various tech-related issues. His passion for technology and problem-solving naturally evolved into providing support and education for those around him.In 2014, Erick transitioned into the non-profit sector in Naples, FL, where he continues to contribute to various organizations. His work in non-profits has deepened his understanding of community needs, particularly recognizing the challenges seniors face with rapidly changing technology. This experience, coupled with his creative background, has shaped Ericks approach to tech educationfocusing on empathy, accessibility, and empowerment. Today, as the founder of TechKnowledgy Team, Erick is dedicated to helping seniors and others gain confidence in using technology, bridging the digital divide one lesson at a time.