Happy Thanksgiving from Hope Health Advocacy! We'd like to extend a big thank you to both our new and existing clients for helping us grow and share in the mission of HHA this year.We believe no one should have to face the healthcare system alone. Dealing with multiple healthcare providers and insurance companies can become stressful, especially during a major health event. We are here to help you more easily navigate the healthcare system. We can coordinate care and appointments, assist you in making decisions by providing helpful resources, review and optimize medications, and assist with some insurance issues.If you feel like all of your Googling is getting you nowhere, you've come to the right place. Taking care of your or a loved one's health is stressful enough. Add in communication breakdowns, insurance companies, and complicated medication issues, and you have a fast pass to a meltdown.Wondering if a patient advocate can help? Book a discovery call here today!We wish everyone a great start to the holiday season! Be safe and stay healthy!
Trying to determine Medicaid eligibility is very complicated. The rules are often changing, and they are different in each state. Often medical eligibility differs by what program you need. In addition, the application is as well as the review process is lengthy. Sad to say, If Medicaid denies you, the consequences can negatively affect the comfort and health of a senior citizen and the financial stability of your family.Medicaid planners help their clients to structure financial resources and prepare documentation to ensure the best possibility of being accepted. Medicaid planners can create trusts, change countable assets into excused assets, and manage asset transfers to guarantee eligibility. Planners can show you how to protect a loved ones home and administer finances to safeguard the healthy spouse which allows them to have acceptable income and assets to remain living independently.If you are wondering if it is needed to use a Medicaid planner, the answer is it is a sound idea. Base your decision on whether to hire a Medicaid planner on your specific financial situation. Family situations impact the need for planning. Some conditions are: When only one spouse needs care, the cost of caring for one spouse can rapidly deplete a couples resources and possibly exceed the value of your home. To protect the spouse who is healthy and allow him/her to remain living at home, separation of resources is often necessary. This tactic is very complicated. If you need to separate resources, it is essential to use a Medicaid planner. If both of you require care, note that long term care costs for two individuals can bankrupt a family quickly. Without one spouse caring for the other spouse, the caregiving burdens that come from a Medicaid denial could be substantial. If you two of you are ill, the critical nature of acceptance into Medicaid requires the use of a Medicaid planner. If you are healthy and wish to preserve some of your assets for your children, working with a Planner may be the wisest thing you can do. Families can plan for themselves without professional guidance, but if you make a mistake in Medicaid planning, it can affect your eligibility for up to five years. If you are not confident enough to manage the complex legal and financial techniques, use a Medicaid planner. If you are single and have no assets and little income despite your health conditions, you do need help to navigate the waters of Medicaid eligibility. If you choose not to use a Medicaid planner, do get some help somewhere.The Medicaid planning process is not painful. Most Medicaid planning firms will offer you a free consultation where they will discuss the health status and financial resources of your family. Planners use this information to establish success with Medicaid and have a positive impact on preserving your assets. Planners also use your information to determine whether to accept you as a client.It does take several weeks to collect information and make a formal analysis of the familys assets. A plan is built, modified as needed, and continually discussed. Putting the program into action may take longer. It all depends on the strategy being offered. Sometimes where there is an immediate need for Medicaid care, the Medicaid documents can be prepared along with the execution of the plan. There are also some cases where Medicaid coverage is retroactive. It does take a Medicaid planner to determine your success of you being enrolled in Medicaid.Documents You Will NeedTo apply for Medicaid, you will need to verify your identity and your financial circumstances. Documents need to prove your age and can include your birth certificate or drivers license. You may also need to provide proof of citizenship which requires a US passport or a birth certificate. To verify your marital status, you may need to provide a marriage certificate, separation papers, a divorce decree, or the spouses death certificate.Financial resources are harder to confirm. You will need checking, and savings account statements, money market accounts and if you have them, certificates of deposit. Stock or bond, annuities plus IRA, 401K or Keogh Account documents must be provided. You will need the title to your automobile and the value, deeds to property, and mortgages. If you have a life insurance policy, you will need to show this information. Burial plot information is also required as is prepaid funeral contracts.Other documents you may need will be your social security card, Medicare card, and additional insurance plus RX cards. You will need to show guardianship documentation if you have it.Income can be verified by the most recent pay stubs, social security award letter, pension statement or unemployment check stubs. You may need to show a support or alimony check or court order, a VA award letter or an SSI Award Letter. The documentation could take weeks to get it together and maybe more than several inches high!When a loved one requires long term care, you have many challenges. The added stress of trying to cover all the needs to determine Medicaid eligibility is an unwelcome burden that will further compound your difficulties.Medicaid planning services from Plan Right Law is the best solution for optimizing your Medicaid eligibility. When you use a senior planning service, a secure financial future becomes a reality. Health insurance will cover some of the medical costs of caring for your aging family members, but if insurance is not enough, Medicaid can help.Medicaid is an insurance program for very low-income individuals with limited financial assets. Medicaid can pay for unlimited nursing home care and does pay for some home care, assisted the living, adult day care, and medical alert services.To receive Medicaid, you need to get through two challenges associated with Medicaid. The first is qualifying and the second is the availability of services. Work with a Medicaid planner to understand your health insurance benefits and to determine if Medicaid is right for you. A planner will also help you gather up the verification you need, fill out the paperwork for Medicaid, and be your advocate with the Medicaid system.
Ingredients 2 large avocados chilled 1/2 cup full fat coconut milk 1/3 cup raw cacao powder 1/3 cup maple syrup 2 tsp vanilla extract Optional Toppings hazelnuts roughly chopped sea salt Instructions1. Slice avocados in half and remove the pit.2. Scoop out the flesh into a food processor.3. Add the remaining ingredients.4. Blend until smooth and creamy, scraping down the sides as needed.5. Test and see if youd like to add any additional sweetener.6. Divide the chocolate avocado pudding into four serving bowls.7. Serve with your favorite toppings such as hazelnuts or sea salt. The HASS Avocado Board supports nutrient research suggesting one avocado a day increases lutein levels. Lutein is one of two major carotenoids found in the human eye, the macula & the retina. Higher lutein levels improve the macula, retina, cognitive performance, skin, joint, and cellular health in older adults. Editors Note: This recipe was submitted by Marla Turnbull, Master Certified Health & Wellness Coach and Owner of Natures Divine Healing. She can be reached at 412-302-4638 or at Marla@NaturesDivineHealing.com.
At Sechler Law Firm, LLC, our mission is to help families make great plans. A great estate plan is more than just a set of documents. It is a comprehensive and well thought out written strategy on how to deal with lifes unfortunate twists and turns. Our process first provides you with the education necessary to make informed decisions with regard to your planning. Then we put the proper documents and legal framework in place to respond to lifes unfortunate changes.Our Estate Planning law office is headquartered in Cranberry, PA. From this office, we happily serve the residents of Cranberry, Mars, Wexford, Pittsburgh, Butler and the residents of surrounding communities. As one of the regions only Certified Elder Law Attorneys, Tim Sechler and his team often assist families from across Western Pennsylvania.We understand that the pursuit of health, wealth and happiness is the goal of most families. We want you to be able to pursue these goals, or whatever goals you may have, knowing that you have a back up plan if life throws you a curveball like a death, disability or nursing home need. With education as our foundation, we will work with you to make decisions to Shield What Matters Most to you.Practice AreasEstate PlanningCustomized planning doesnt have to be difficult for you. We strive to make the process easy. The first step is to identify your concerns so that we can make suggestions regarding your plan.Elder Law Crisis PlanningA significant percentage of our practice is dedicated to helping families navigate the long term care maze. We help with Asset Protection and eligibility for Medicaid and Veterans Benefits.Trust And Estate AdministrationIf you have lost a loved one, we can help you take the necessary steps to help handle their affairs.Tims estate planning practice is focused on guiding clients through the complicated maze of balancing transfer strategies, wealth preservation, and family values in the planning process.Tim is a Combat Veteran, having served in Afghanistan as a member of the West Virginia Air National Guard. Prior to leaving the military, Tim had attained the rank of Staff Sergeant. His experiences in the military have led him to thoroughly enjoy working with Veterans and their families.Tim received his law degree from Duquesne University School of Law, and his Master of Business Administration from the Duquesne University Donahue Graduate School of Business. He received his Bachelor of Science in Business Administration from West Virginia University, majoring in Finance. Tim is licensed to practice Law in Pennsylvania and West Virginia.Recently, Tim has been seen frequently as a guest on KDKAs Pittsburgh Today Live, and has been quoted in several local print publications. For the last several years, he has been honored to be chosen as a Super Lawyers Rising Star, an award given to less than 2.5% of Tims peers. Tim enjoys educating the public about Elder Law and Estate Planning. He has spoken to thousands of people regarding estate planning and has averaged more than 50 speaking events per year.Tim became a Certified Elder Law Attorney* in 2017. A CELA is more than just an attorney who specializes in the field of elder law. CELAs are committed, through certification, to maintaining and improving their proficiency with continual practice and continuing legal education. Becoming certified in elder law validates a lawyers specialty to handle issues that affect senior citizens.Tim and his wife, Robyn, are raising three beautiful children in their home in Mars, PA.*Certified as an Elder Law Attorney by the National Elder Law Foundation.