Both Medicare and Medicaid can assist you with your individual long-term care plan. While the two programs sound similar, there are important differences to consider.
Let’s start with a brief definition of each program. First, it’s true, both programs provide medical care. However, Medicare is an entitlement program; meaning that everyone who reaches the age of 65 and is eligible to receive benefits from Social Security can also receive Medicare. In contrast, Medicaid is a public assistance program, meaning it is designed to help people with limited income and assets to pay for medical care. Recipients of Medicaid assistance must meet certain income and asset eligibility guidelines.
Now, let’s look at some of the fundamental differences between the programs.
Medicare is completely run by the federal government, whereas Medicaid is run as a joint, federal-state program. A few states use different names for their Medicaid programs. For example, Medi-Cal in California and MassHealth in Massachusetts.
Typically, the federal government pays for approximately one-half of a state’s Medicaid Program, with the state paying the balance. The eligibility rules will differ from one state to the next. However, in order for the state to receive money from the federal government, the program must adhere to certain federal guidelines.
Medicare, by and large, does not cover long-term nursing home care. For example, Medicare Part A will only cover up to 100 days in a skilled nursing facility for a particular illness, and only after the patient has spent at least three days in a hospital. And, from day 21 to day 100, the individual at the skilled nursing facility must make a copayment of $167.50 per day. Few people actually receive Medicare coverage for the full 100 days, in part because of the copay, and in part, because restrictions and conditions for coverage are quite stringent.
In contrast, Medicaid covers long-term nursing home care for people who meet its income and asset limits. It does not matter whether you need assistance for one hundred days, one year, or five years—Medicaid will pay for the care as long as the recipient is eligible. Given the high cost of nursing home care, the dearth of affordable alternatives, and the restrictions inherent in Medicare coverage, Medicaid is now the single largest payer of nursing home stays in the United States.
If your income and assets are less than your state’s guidelines, you are already eligible for assistance. However, if your income and assets exceed state limits, you will have to take the appropriate steps to become eligible. An experienced elder law attorney will be able to determine the best way for you to secure your Medicaid benefits.
But be careful! Being eligible is not as simple as giving your “stuff ” away a few weeks before entering a nursing home, expecting Medicaid to pay for your stay. Instead, when you apply for Medicaid, any gifts or transfers of assets made within five years of the date of application will be subject to penalties that delay your benefits. This is known as the look-back period, and the penalty period is determined by dividing the amount transferred by what Medicaid determines to be the average private pay cost of a nursing home in your state. A skilled elder law attorney will be able to guide you through the planning and application process so you can receive your Medicaid assistance as expeditiously as possible.
In short, while Medicare can help you afford a short-term stay in a nursing home, Medicaid will be able to pay for your long-term care, if you are eligible. Through early and proper planning, you can obtain assistance from Medicaid to pay for your nursing home care and protect your hard-earned assets in the process.
Reduces Stress and Cortisol LevelsListening to classical music is a powerful tool for reducing stress. Cortisol, often referred to as the stress hormone, is released in response to stress. Elevated cortisol levels over prolonged periods can lead to various health issues, including anxiety, depression, and even heart disease.Studies have shown that listening to classical music can significantly reduce cortisol levels, helping individuals manage stress more effectively. Furthermore, the soothing rhythms and harmonious melodies act as a natural antidote to the stressors of daily life, promoting a sense of calm and relaxation. Lowers Blood Pressure and Heart RateThe cardiovascular benefits of listening to classical music are well-documented. Research indicates that classical music can help lower blood pressure and heart rate. One study demonstrated that participants who listened to Mozart experienced a notable reduction in both systolic and diastolic blood pressure. The gentle and rhythmic nature of classical music encourages relaxation, which in turn helps to dilate blood vessels and improve blood flow. By incorporating classical music into your daily routine, you can support your cardiovascular health and reduce the risk of hypertension. The Mozart Effect on Mental HealthThe term Mozart Effect refers to the cognitive and emotional benefits attributed to listening to Mozarts compositions. This phenomenon suggests that listening to Mozart can enhance brain function, improve spatial-temporal reasoning, and boost overall mental health. Studies have shown that the intricate structures and patterns in Mozarts music stimulate brain activity, promoting neural connections and enhancing cognitive performance. So for individuals struggling with mental health issues, incorporating classical music into therapy or daily activities can be a valuable tool for improving emotional well-being and mental clarity. Improves Sleep QualityQuality sleep is essential for overall health and well-being, and classical music can play a significant role in improving sleep quality. Listening to classical music before bedtime promotes relaxation and reduce the symptoms of insomnia.The gentle and calming nature of classical music helps to slow down the heart rate and breathing, creating an ideal environment for restful sleep. By establishing a nightly routine that includes listening to classical music, individuals can experience better sleep quality and wake up feeling refreshed and rejuvenated. Reduces Anxiety and Enhancing RelaxationAnxiety is a common mental health issue that affects millions of people worldwide. Classical music, with its soothing melodies and harmonic structure, helps to reduce anxiety levels and promote relaxation.Studies have shown that patients who listened to classical music before undergoing medical procedures experienced lower anxiety levels compared to those who did not. The therapeutic effects of classical music can be attributed to its ability to engage the parasympathetic nervous system, which is responsible for inducing a state of calm and relaxation.Benefits of Listening to Classical MusicIn addition to the specific health benefits mentioned, there are numerous other advantages to incorporating classical music into your daily life. Listening to classical music can improve focus and concentration, enhance creativity, and even boost productivity. The structured and complex nature of classical compositions can stimulate the brain and foster a conducive environment for intellectual and creative endeavors. Celebrate Classical Music Month and Boost Your HealthAs we celebrate Classical Music Month this September, its the perfect opportunity to embrace the numerous health benefits of listening to classical music. From reducing cortisol levels and lowering blood pressure to improving sleep quality and mental health, classical music offers a natural and enjoyable way to enhance your well-being. Whether youre a lifelong fan or new to the genre, let the harmonious strains of Mozart, Beethoven, and Bach enrich your life and support your health journey. So, put on your favorite classical piece, relax, and let the music work its magic.
Alzheimers Rummaging: Everything You Need to Know - AIHCEverything You Need to Know About Alzheimers RummagingSee our latest Blog post:https://www.americaninhomecare.com/blog/2024/09/16/alzheimers-rummaging-everything-you-need-to-know/Rummaging behavior in individuals with Alzheimer's stems from several factors, including memory loss, confusion, and anxiety. As cognitive function declines, the need to search for something familiar or the desire to feel a sense of control can lead to rummaging. This activity may provide them comfort or a sense of purpose, even if the items they seek are no longer relevant or useful (See post for more - link is up above)If you, a family member or friend need a little extra care, and still want to live at home -- We can help with Home Health Care Services --We refer qualified and compassionate home health care providers that have been thoroughly screened to support our goal of making living and aging at home safe, comfortable and affordable. Referred Care Providers are available on an hourly, daily, weekly, or live-in basis.Care Providers: Register and take an important step towards taking control of your career! Case opportunities include days, evenings, nights and extended care shifts. We register companions, Home Health Aides, Certified Nursing Assistants, Nurses and LPN's.https://www.americaninhomecare.com
As we age, managing our finances and personal affairs can become more challenging. Many older adults want to maintain their independence but also recognize they may need some help. This is where a durable power of attorney can be very useful.What is a Durable Power of Attorney?A durable power of attorney is a legal document that allows you to choose someone you trust to handle certain tasks for you. This person is called your "agent" or "attorney-in-fact." The word "durable" means that the document stays in effect even if you become unable to make decisions for yourself later on.How Can a Durable Power of Attorney Help?A durable power of attorney gives you flexibility. It allows you to get help with tasks when you need it, while still keeping control over your affairs. Here are some ways it can be helpful:Bill Paying: You can have your agent help pay your monthly bills, while you still manage other parts of your finances.Banking: Your agent can handle bank transactions for you if needed.Legal Matters: Your agent can sign legal documents on your behalf.Property Management: Your agent can help manage your property or real estate.Healthcare Decisions: If you have a healthcare power of attorney, your agent can make medical decisions for you if you're unable to do so.You Don't Lose ControlMany older adults worry that having a power of attorney means giving up control. This is not true. Here's what you need to know:You can still manage your own affairs as usual.You can still make your own decisions and handle your own finances.Your agent doesn't replace you - they just have the ability to help when needed.You decide what powers to give your agent. You can make it very limited or very broad.Flexibility for the FutureA durable power of attorney provides peace of mind. It ensures that someone you trust can step in to help if you ever need it. This can be especially important if:You become ill or hospitalizedYou have memory problems or confusionYou have physical limitations that make it hard to do certain tasksYou want to travel but need someone to handle things at homeChoosing Your AgentPicking the right person as your agent is very important. Here are some tips:Choose someone you trust completelyPick someone who is responsible and good with financial mattersConsider choosing an adult child, close relative, or trusted friendMake sure the person is willing to take on this responsibilityYou can name more than one agent if you wantSetting It UpTo create a durable power of attorney:Decide what powers you want to give your agentChoose your agent(s)Have a lawyer draft the document for youSign the document in front of a notary publicGive copies to your agent, doctor, and important family membersMaintaining Your IndependenceRemember, having a durable power of attorney doesn't mean you're giving up control. It's a tool that helps you maintain your independence by ensuring you have help available when you need it. You can still:Make your own decisionsManage your own moneyPay your own billsSign your own documentsYour agent only steps in when you ask them to or if you become unable to handle things yourself.Changing Your MindIf you ever change your mind, you can:Revoke (cancel) the power of attorney at any time, as long as you're mentally competentChange who you've named as your agentModify what powers you've given your agentPeace of MindHaving a durable power of attorney in place can provide great peace of mind. It ensures that:Someone you trust can help you if neededYour wishes will be followedYour affairs will be managed even if you can't do it yourselfYou have a plan in place for the futureGetting HelpIf you're interested in setting up a durable power of attorney:Talk to your family about your wishesConsult with an elder law attorneyDiscuss it with your doctorReach out to local senior services for guidanceRemember, a durable power of attorney is a powerful tool that can help you maintain control over your life as you age. It provides flexibility and security, allowing you to get help when you need it while still maintaining your independence.
Pam Buff Baker, Esq., owner and founder of Safe Harbor Law Firm works closely with clients to meet their legal needs. In particular, Pam works in all areas of Estate Planning, Elder Law, Probate and Trust Administration. Pam graduated magna cum laude from Tulane University, having majored in chemical engineering. Since graduating from Tulane, Pam has worked in sales, marketing, and technical support for Eka Chemicals (part of Akzo Nobel), a company division that supplies water purification and treatment systems. Later, Pam moved to Naples, Florida. Since then, Pam graduated summa cum laude from Ave Maria School of Law, where she was Associate Editor of the Law Review and a scholarship winner. During her time at Ave Maria School of Law, Pam worked in the legal department of Arthrex and interned for several local law firms. Pam is a champion golfer, having been a varsity player at Tulane, inducted into the Hall of Fame. She was an All-American golfer, three-time conference champion, conference player of the year, and student athlete of the year. When she has free time, Pam likes to play golf and go to the beach and pool with her family. Originally from Chicago, Pam has lived year-round in Naples, Florida since 2005.
At Safe Harbor Law Firm (formally known as Buff Law Firm PLLC), we focus on estate planning, elder law, and closely related practice areas. Our true focus, however, is helping families plan for and take control of their future. This can involve:Ensuring your assets will go to the people you want, when you want, in the manner you want after you pass awayPreparing for the possibility that you or your spouse will need expensive long-term careand helping you find ways to pay for itEnsuring that people you trust have the authority to make financial and medical decisions on your behalf in the event of incapacityProtecting your assets and those of your heirs against threats such as creditors, lawsuits, divorce, the high cost of long-term care, and moreGuiding your loved ones through the probate and/or trust administration processSafe Harbor Law Firm has helped families from all walks of life find solutions to challenges like these and many more. We welcome the opportunity to do the same for you. Ultimately, our goal is to help you enjoy the peace of mind that comes from having a plan in place for the future. We invite you to contact us for a personal meeting to discuss your particular needs and goals.EXPERT ATTORNEYSMeet the TeamPam Buff Baker, Esq.Attorney & FounderAbout Mrs. BakerPam Buff Baker, Esq., owner and founder of Safe Harbor Law Firm works closely with clients to meet their legal needs. In particular, Pam works in all areas of Estate Planning, Elder Law, Probate and Trust Administration. Pam was recognized by Naples Illustrated in 2021 and 2022 as a Top Lawyer in Trusts and Estates to include 2023. She is also a member of the nationwide organization, Lawyers with Purpose, an organization solely focused on helping seniors. Safe Harbor Law Firm serves clients at their offices in Naples and Bonita Springs.Pam graduated magna cum laude from Tulane University, having majored in chemical engineering. Since graduating from Tulane, Pam has worked in sales, marketing, and technical support for Eka Chemicals (part of Akzo Nobel), a company division that supplies water purification and treatment systems. Later, Pam moved to Naples, Florida. Since then, Pam graduated summa cum laude from Ave Maria School of Law, where she was Associate Editor of the Law Review and a full academic scholarship recipient. During her time at Ave Maria School of Law, Pam worked in the legal department of Arthrex and interned for several local law firms. Pam is a champion golfer, having been a varsity player at Tulane, inducted into the Hall of Fame. She was an All-American golfer, three-time conference champion, conference player of the year, and student athlete of the year. When she has free time, Pam likes to play golf and go to the beach and pool with her family, including her three children ages 4, 14, and 16. Originally from the Chicago area, Pam has lived year-round in Naples, Florida since 2005.Helen Mena, Esq.AttorneyThomas Tom LaTorre, Esq.AttorneyBrittany Cocchieri, Esq.AttorneyKatherine ReillyMarketing DirectorBryan D. WoulasDirector of OperationsAndy C. BakerFirm AdministratorKelly FinckProbate and Estate Planning Legal AssistantJessica MaristanyClient Services CoordinatorBreanna CanningFunding and Medicaid ParalegalRuth DavisClient Service CoordinatorJacqui CalmaAdministrative AssistantGabby AngExecutive AssistantMackenzie McTeviaClient Services Coordinator
Pam Buff Baker, Esq., owner and founder of Safe Harbor Law Firm works closely with clients to meet their legal needs. In particular, Pam works in all areas of Estate Planning, Elder Law, Probate and Trust Administration. Pam graduated magna cum laude from Tulane University, having majored in chemical engineering. Since graduating from Tulane, Pam has worked in sales, marketing, and technical support for Eka Chemicals (part of Akzo Nobel), a company division that supplies water purification and treatment systems. Later, Pam moved to Naples, Florida. Since then, Pam graduated summa cum laude from Ave Maria School of Law, where she was Associate Editor of the Law Review and a scholarship winner. During her time at Ave Maria School of Law, Pam worked in the legal department of Arthrex and interned for several local law firms. Pam is a champion golfer, having been a varsity player at Tulane, inducted into the Hall of Fame. She was an All-American golfer, three-time conference champion, conference player of the year, and student athlete of the year. When she has free time, Pam likes to play golf and go to the beach and pool with her family. Originally from Chicago, Pam has lived year-round in Naples, Florida since 2005.