Medicaid is a federal program administered on a state-by-state basis. There are several types of Medicaid — including Community Medicaid.
Community Medicaid covers care and medical services that enable a recipient to remain in their home or community as long as possible instead of entering a skilled nursing facility or other institution. Community Medicaid can cover home health care, private nursing, personal care, assisted living programs, doctor appointments, wellness visits, hospital care, prescription drugs, laboratory services, occupational therapy, and more.
Applicants for Community Medicaid must meet specific eligibility criteria. First, they must be disabled or over the age of 65. Second, they must not exceed certain income and asset thresholds to receive benefits. These criteria vary from state to state and adjust year to year. Excess income or assets can disqualify an individual or couple from qualifying for Medicaid benefits. However, there are legal planning mechanisms available to allow people to qualify.
Alternatively, there may be a Medicaid waiver program available in your state that allows you or a loved one to qualify for Community Medicaid. Medicaid waivers allow states to waive certain rules so more people can be eligible for specific programs.
In the case of Community Medicaid, waivers can offer long-term home and community-based services to more seniors or disabled persons who need help to remain at home or in their community. These waivers may allow them to access home attendants or health aides, adult day care, respite care, accessibility modifications to cars or homes, personal emergency response devices, medical equipment, and homemaker services.
Many of these benefits enable the elderly, disabled, or people with Alzheimer’s disease or dementia to receive long-term care services and live independently in familiar, comforting environments. So, while a person may have to pay for their housing, they can still receive care and support in their home, a relative’s home, assisted living facilities, specialized programs, or other “home-like” environments.
For more information on how your loved one may be able to qualify for Community Medicaid, reach out to us.
This article is a service of Sharek Law Office, LLC. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life and Legacy Planning Session, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $750 session at no charge. Please note this is educational content only and is not intended to act as legal advice.
Congress recently made significant changes to Medicare's Part D prescription drug benefit as part of the Inflation Reduction Act. While some changes aim to help seniors afford their medications, others may have unintended consequences.On the positive side, insulin costs are now capped at $35 per month for Medicare beneficiaries. This has already provided relief for many seniors with diabetes.Starting in 2025, out-of-pocket Part D drug costs will be capped at $2,000 annually. Seniors will also have the option to spread these costs throughout the year through the new Medicare Prescription Payment Plan. These changes can benefit seniors who rely on multiple brand-name medicines or have fixed incomes.However, awareness of the new payment plan is low. Medicare could do more to inform seniors about this option, which requires opting in. Seniors should consider contacting their Part D insurers during open enrollment if they would benefit from spreading out pharmacy costs.The law's drug price negotiation provision has led to some unintended effects on drug development. At least 36 research programs and 22 experimental drugs have been discontinued as a result.Part D premiums have also increased. This year, standalone Part D plans were set to cost 21% more on average compared to last year. Many seniors switched to lower-cost options as a result. The number of available plans has decreased by about 25% since 2020.Some insurers have moved certain medications to tiers requiring higher out-of-pocket costs, restricting access to previously covered drugs. New rules like step therapy requirements have also been implemented, potentially making it harder for patients to access drugs their doctors recommend.It's important for seniors to understand these changes and their potential impacts on drug access before Medicare's open enrollment period begins in October. Contact Carleen Lachman, Independent Insurance Specialist at 724-571-4688 to learn more.
Note: this is not medical advice and should not replace a discussion with your own treating physician. This document was created after compiling helpful over the counter and home remedies from patients and colleagues.Winter is a beautiful time of the year, but it also brings along various illnesses. With the constant change in temperature and dry air, it's easy to catch a cold or flu. However, being sick doesn't have to be miserable. Here are some tips to help you through your winter sickness.First off, make sure you are getting enough rest. Your body needs time to fight off the illness, so getting plenty of sleep is essential. Drinking lots of fluids is also crucial to staying hydrated. Warm liquids such as tea or soup can help soothe your throat and loosen congestion. Second, take over-the-counter medication to relieve your symptoms. Decongestants can help relieve nasal congestion, and pain relievers such as acetaminophen or ibuprofen can help reduce fever and body aches. However, be sure to read the instructions carefully and consult with a doctor if you have any doubts.Lastly, try to avoid spreading your illness to others. Cover your mouth and nose when you cough or sneeze, and wash your hands frequently with soap and water. Stay home if you're feeling unwell to prevent spreading the illness to others, and mask up if you need to leave the house. Reminder that we are fortunate enough to have vaccinations against flu, COVID and RSV which cause significant respiratory illness.In conclusion, being sick during the winter can be tough, but with plenty of rest, hydration, and medication, you can make it through. Ive gathered up some of the most common remedies used by myself, my patients, and my followers on social media and shared them below. Remember to take care of yourself and stay warm during the chilly winter weather. Straight Off the ShelfNote: if you take other medications, its important to talk with your physician or pharmacist about how these over the counter meds may interact with your prescribed meds Cough o Vicks Vapo Rub on the chest and bottoms of feet o Coricidin (good for those with cough and high blood pressure) o Delsym Cough Medicine: dextromethorphan containing cough meds help with cough suppression, for dry coughs o Mucinex: guaifenesin containing meds help to loosen up mucus in your though to help you cough it up, for wet coughs o Sudafed: pseudoephedrine is a decongestant and can make you pretty wired/awake. caution if you have high blood pressure o Dimetapp for kiddos 6 and older Congestion/sore throat o Afrin nasal spray: temporary congestion relief o Flonase nasal spray: great for post nasal drip that causes sore throat o Saline nasal rinses General cold/flu symptoms o Dayquil/Nyquil: remember, these contain acetaminophen aka Tylenol. so dont mix with additional tylenol unless instructed by your physician Know your meds! acetaminophen is also known as Tylenol; ibuprofen is also known as Motrin and is the same class of medications as naproxen aka Aleve Home/Herbal RemediesNote: if you take other medications, its important to talk with your physician or pharmacist about how these remedies may interact with your prescribed meds Nin Jiom Pei Pa Koa-Chinese herbal throat and cough syrup Green tea Ginger tea Boom boom inhaler stick Lemon, honey, and chamomile tea Sleep Epsom salts baths Oscillococcinum Black elderberry syrup Raw garlic with honey Mullein tincture Electrolyte rich drinks like liquid IV, LMNT, pedialyte-- monitor sugar content Fermented foods Reishi Ashwaghanda Foods high in vitamin C (citrus!) Soothing Tea RecipeIn a saucepan, bring the following to a boil, then remove from heat and enjoy: tips and enjoy: 8 oz water 1 tbsp apple cider vinegar 1 tbsp honey 1 cinnamon stick 1 clove of peeled and smashed garlic small piece of peeled ginger Tips & Tricks From a PCP: after a viral infection, cough can last 4-6 weeks in some cases. if you have fever with the cough or its getting worse, talk with your doctor as it could indicate a bacterial infection never underestimate the power of sleep and resting your body a fever is technically a temperature over 100.4 degrees F the symptoms of COVID, flu, and RSV overlap significantly. getting tested for these infections may be helpful in determining if you need further intervention your gut health is key to your immune system. you may not be able to fully prevent getting sick, but a healthy mind and body will help you with resilience and recovery. focusing on fiber, mindfulness, sleep and regular exercise can help your gut stay strong! most viral infections last about 5-7 days. but if you are experiencing shortness of breath, chest pain, high fevers, difficulty swallowing, dizziness, or wheezing, contact your physician immediately
Switching to a healthier lifestyle often involves making significant changes to your diet, and one of the most challenging aspects can be finding nutritious and satisfying snacks. Traditional snack options, like chips, candy, and cookies, are often loaded with unhealthy fats, sugars, and artificial additives. Fortunately, there's a convenient and delicious solution: SnackEver.SnackEver is a subscription service that delivers a curated selection of healthy snacks directly to your doorstep each month. With a variety of boxes to choose from, there's something to suit every taste and dietary preference. Whether you're looking for gluten-free, vegan, keto friendly, organic, kosher, dairy free, or low-calorie options, SnackEver has you covered.Why Choose SnackEver?Convenience: Say goodbye to the hassle of searching for healthy snacks at the grocery store. SnackEver takes the guesswork out of snacking by delivering a carefully curated box of delicious and nutritious treats right to your door.Variety: With SnackEver, you'll never get bored of your snacks. Each month, you'll receive a new assortment of healthy goodies, including everything from protein bars and nuts to fruit chews and trail mix.Customization: SnackEver offers a variety of subscription options to cater to your individual needs and preferences. You can choose from monthly, bi-monthly, or quarterly plans, and you can even customize your box by selecting specific snacks or dietary restrictions.Cost-Effective: While healthy snacks can often be expensive, SnackEver offers a convenient and affordable way to enjoy nutritious treats. By subscribing, you'll often get a discount on the individual price of each snack.Discover New Favorites: SnackEver is a great way to discover new and exciting healthy snacks. With each box, you'll have the opportunity to try products from different brands and categories, helping you to find your new favorite go-to snack.The Benefits of Healthy SnackingIncorporating healthy snacks into your diet can have numerous benefits for your overall health and well-being. Here are just a few:Increased Energy: Eating healthy snacks throughout the day can help to stabilize your blood sugar levels and prevent energy crashes.Weight Management: By choosing nutritious snacks over unhealthy options, you can help to control your calorie intake and support weight loss or maintenance.Improved Nutrient Intake: Healthy snacks can be a great way to increase your intake of essential vitamins, minerals, and fiber.Enhanced Focus: Eating a balanced diet, including healthy snacks, can help to improve your cognitive function and concentration.If you're looking for a convenient and delicious way to incorporate more healthy snacks into your diet, SnackEver is the perfect solution. With its wide variety of options, customizable plans, and commitment to quality, SnackEver can help you achieve your health goals while enjoying delicious and satisfying treats.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.