Choosing to Remain at HomeLet our advance worryingbecome advance thinking andplanning. Winston ChurchillSome of us worry about the future but do nothing about it; some of us ignore it and hope for the best; and some of us are committed to a vision of the future and plan for it.As we grow older, most of us would like to remain in the comfort of our own homes and communities, having services brought to us. But that is often not viable without planning to make it a physical and financial reality. And planning is often avoided as we fear the possibility of losing our independence and needing support services.Until recently, aging adults had very few options to remain independent purchasing long term care insurance, moving to a retirement community, or paying out of pocket for care. Fortunately, things are changing and new models of long term care and planning have emerged.There are Stay at Home programs which offer support, advice and referrals for services. They do not provide care which leaves a client on his own to arrange for needed services and health care. This becomes particularly difficult with an illness or a health crisis. However, there is an alternative called Continuing Care at Home programs which combine asset protection with guaranteed care across all services. There are options that offer full spectrum services for those without long term care insurance or services that can be combined with existing long term care insurance.The programs provide a care manager who can help arrange for services when needed, either on a planned or unexpected basis, and who can serve as an advocate when navigating the health system. The programs also provide social and cultural activities in the local community rather than within the walls of a traditional retirement community.Senior Choice at Home is one of the first programs in Connecticut and the only one in Fairfield County to provide this option. Senior Choice at Home is a membership-based, long-term asset protection and healthcare services program eliminating the need to move to a retirement community. Senior Choice at Home members are enjoying the benefits of social and cultural activities as well as peace of mind that services they trust are there when they need them.and they will not need to burden their children down the road.Depending on your situation, there may also be tax advantages of joining. To learn more about Senior Choice at Home and how it might fit with your plans to remain in your home and community, please call 203-365-6491 or email SeniorChoiceHome@jseniors.org

With the Medicare annual election period right around the corner its that time again when your mailboxes will be filled with fliers and ads from every insurance company you have heard of and some you may not have heard of; but the question is? What do I need to know?Oct. 1st - This is the time when brokers and insurance company representatives can tell you about their plans details, but no selling allowed!Oct. 15th thru Dec. 7th AEP, is the election period in which a Medicare beneficiary may shop around and make a change to their current MAPD plan, which stands for Medicare Advantage plan (HMO or PPO type Plan) with Prescription Drugs, or they may elect a plan for the first time if they hadnt done so previously. If a beneficiary is on a Medicare supplement and a stand-alone Part D drug plan, they may change their plan to a MAPD plan and vice-versa. It is important to know that the last plan you enroll in is the plan that will be in affect for Jan. 1st.Jan. 1st thru Feb. 14th is also an election period called the Medicare Advantage Disenrollment period. This period is a time where a beneficiary who has a MAPD plan can switch from the MAPD and go back to Original Medicare with a Medicare supplement and a Part D Rx Plan. Coverage would start on the first of the following month.How to pick a plan? What company? $100 vs $0 premiums?Words of advice: Be sure to find a plan your doctors accept, and make sure all your prescriptions are covered. Find a broker who represents all the companies who offer MAPD plans, and multiple Medicare Supp. plans so you can have choices.When shopping for MAPD plans take careful notice of your Out Of Pocket Maximum, this is the part where during one calendar year it is the most you are responsible for paying in co-payments and co-insurances for the medical expenses covered by your plan. Prescription co-pays and co-insurances have their own guidelines. Supplement or Medigap Plans vs. MAPD plans?Medigap supplement plans are going to run around $220 a month in premium but have little or no co-pays or coinsurance during the year for qualified Medicare expenses not fully covered by Original Medicare.Medigap plans do not have prescription coverage but must be purchased separately for around $25 to $45 a month.MAPD plans will have a co-pays for doctors and hospital visits and typically will have a network, so it is very important that you check with your doctors to make sure they except the plans. A plan that has no premium will have a larger out of pocket maximum, and a MAPD plan that has a $100 premium will have less of an out of pocket maximum.Can I get some help paying for all this?The answer is YES: Its called the Medicare Savings Program.If you are married and make under $3266 a month in income, or $2413 as a single, you will no longer have to pay the Part B premium that is deducted from your Social Security Check every month, and you will also get Prescription help.Paying less than $7 dollars a month for brand named drugs, and about $2 dollars for generics.If you make below 2,069.11 as a single and $2,802.08 as a couple, you are also entitled to extra benefits that will help you with co-payments and co-insurances in hospitals and doctor visits.More info can be found on the following information on Www.figlarinsurance.com, www.medicare.gov, and www.ct.govThis article was submitted byMarc Figlar, Certified Senior AdvisorMarc can be reached at 203-394-3447

When its time to leave the hospital following illness, injury or surgery, youll need specialized care to regain your strength and mobility. If these services arent readily accessible and convenient to your home, youll have to search for qualified care, and contend with travel to and from the rehab center for days or weeks, possibly in inclement weather. Family members wishing to be involved in your care may also find these logistics challenging. People who live in a retirement community offering on-site rehabilitation services have a much easier time transitioning from hospital to home.Short-term nursing and rehab services, right where you live:When you choose to live in a continuing care retirement community, youll enjoy an independent retirement lifestyle filled with cultural, educational and recreational opportunities. Some offer on-site rehabilitation services. So if the need for short-term rehab care should arise, or if you plan to have surgery at a specific time, you can dovetail these services to maximize your comfort and convenience, and improve the likelihood of a successful outcome.Rehab services at a good retirement community should be led by a Medical Director who is also a medical doctor. At a minimum, the program should include physical, occupational and speech therapies. The rehab team should monitor your progress and adjust your care plan as needed. The best service providers will meet with you ahead of time, review your clinical information, lead the admissions process, and guide you every step of the way. They should consult with your family and personal physicians as well. The staff might include:Medical DirectorDirector of NursingRegistered NursesLicensed Practical NursesDieticianSocial WorkerTherapeutic Recreation DirectorLicensed Speech, Occupational and Rehabilitation TherapistsAdditional considerations:Look for staffing ratios that exceed state and national standards. Inquire about the centers capacity to handle clinically complex therapies, such as post-surgery recovery, cardiac/pulmonary rehab, or joint replacement rehabilitation. The Centers for Medicare & Medicaid Services have a 5-star rating system. Ask about this and any other ratings your prospective rehabilitation center has earned. You should also ask whether therapy is available seven days a week, and if the center accepts direct admission or requires an entrance fee.Finding the right community that offers these high-caliber rehabilitation services on site can make living in retirement not only more enjoyable, but more convenient as well.This article was submitted by an affiliate of The Health Center at Meadow Ridge, 100 Redding Road Redding, CT.For information, call 1.866.780.0312 or visit MeadowRidge.com.

Exploring options for an assisted living facility can be daunting. Potential residents and families often become overwhelmed with all the options that are becoming available. One may wonder what the differences are between a retirement community, an assisted living community, enriched housing, a memory care community and a skilled nursing facility. What do they all mean?A Continuum of Care community is one that partners with levels of care on their campus as people age or become more compromised. It often begins, but not exclusively, with a retirement community. Within the community will be an Assisted Living component and a skilled nursing component. As the resident needs more help, they are moving within the community with the support of a comprehensive healthcare team that knows them well. This has become the trend in long term health care.The advantage to living in such a community is the promise of caring for your loved one through their elder years. The care team is always available to provide help and support not only to the family and the resident, but to one another, so as to offer the best possible person centered care. Another advantage is that the residents care community remains the same. This is convenient for them as well as their family members.Many assisted living facilities that are not a part of a continuum or campus of care refer to particular skilled nursing facilities. Be sure to ask what their policies are in terms of criteria for discharge and support during the process. Do not be afraid to ask these questions as they pertain to the care and well being of your loved one. Most facilities arevery helpful and have staff that specifically help with transitioning.A Campus of Care or a Continuum of Care Community is the most convenient and often the best option when looking for a residence for your loved one. As people are living longer and healthier into their elder years, this safety net may be just what most offers the security families need.This article was submitted by Maria Scaros-Mercado, Executive Director at The Greens at Greenwich, 203-531-5500 and Ship Hajdari, Community Outreach Nurse Liaison at Greenwich Woods Rehabilitation & Health Center, 203-531-1335.