As we get closer to 2024, it’s essential to review and assess whether your loved one’s current Medicare coverage aligns with their evolving health needs.
The healthcare landscape is continuously changing, with advances in medical technology, the introduction of new treatment options, and periodic adjustments in government policy.
For seniors eligible for Medicare, understanding these shifts and ensuring optimal coverage is crucial for their health and financial well-being.
The Kensington Falls Church is dedicated to enhancing residents’ quality of life through collaboration and strong partnerships.
Committed to providing valuable health information, we have teamed up with Kevin Chaikin of Medicare Portal to guide individuals through Medicare options.
About our speaker and event
Influenced by a family member’s experience with Medicare, Chaikin is devoted to educating and enrolling individuals in the program.
His compassionate approach ensures beneficiaries receive tailored advice for a seamless transition into comprehensive and affordable Medicare coverage.
This presentation clarifies Medicare basics, addresses common queries, and highlights key decision points.
RSVP now for the event “Does Your Senior Loved One Have the Medical Coverage They Need 2024”, taking place Sept. 26 at 5:30 p.m.
Understanding Medicare
Medicare is a federal health insurance program in the United States, primarily for individuals 65 and older. It’s divided into four different parts of coverage, each serving a different purpose.
Part A (Hospital Insurance):
Covers inpatient hospital stays, care in skilled nursing facilities, hospice care, and some home health care.
Most people don’t pay a monthly premium for Part A if they or their spouse paid Medicare taxes during their working years over the required amount of time.
Part B (Medical Insurance):
Covers outpatient care, doctors’ services, preventive services, and some home health care.
Most beneficiaries pay a monthly premium for Part B.
Part C (Medicare Advantage):
Offered by private insurance companies approved by Medicare.
Combines both Part A and Part B and usually includes Part D (prescription drug coverage).
It might also offer additional benefits not covered by Original Medicare, such as vision, hearing, dental, and health/wellness programs.
Part D (Prescription Drug Coverage):
Private insurance companies approved by Medicare run it and help cover the cost of prescription drugs.
Requires a separate premium, although some low-income individuals may qualify for assistance.
Every year, Medicare introduces new changes to its plans. For 2024, pay attention to additional benefits or services that could benefit your senior. There may also be changes to premiums, cost deductibles, and copays.
Frequently asked questions by Medicare beneficiaries
Medicare can be complex, and beneficiaries often have a lot of questions. The following are the top five frequently asked questions by Medicare beneficiaries.
When can I enroll in Medicare?
- Initial Enrollment Period: This is when you first become eligible for Medicare, typically three months before you turn 65, the month you turn 65, and three months after.
- General Enrollment Period: If you miss the Initial Enrollment Period, you can sign up between January 1 and March 31 each year.
- Special Enrollment Periods: Under certain circumstances, such as losing employer coverage, you can enroll outside of the usual enrollment times.
Do I need to enroll in Medicare if I have employer health insurance?
If your loved one is still working and has health insurance through that employer, they might not need to sign up for Part B immediately due to the “Special Enrollment Period” provisions.
How much will I pay for Medicare?
The costs depend on several factors, including the type of coverage your loved one chooses and their income level.
Can I see any doctor I want with Medicare?
With Original Medicare (Part A and Part B), your loved one can see any doctor in the U.S. who accepts Medicare.
If they have a Medicare Advantage Plan (Part C), they may need to use the plan’s network of providers unless in an emergency.
What is the difference between Medicare and Medicaid?
Medicare is a federal health insurance program for people 65 and older and some younger people with disabilities.
Medicaid is a state and federal program that provides health coverage for people with low income, including some low-income adults, children, pregnant women, elderly adults, and people with disabilities.
How The Kensington Falls Church can help your family
At The Kensington Falls Church, we’re committed to providing exceptional care and guiding families and caregivers every step of the way.
Whether it’s through informative events, ongoing caregiver support groups, or one-on-one consultations, our team is here for you.
Our events are tailored to caregivers and families and are critical in providing support to new and current residents.
The Kensington Falls Church events aim to:
- Educate
- Encourage Skill-building
- Provide networking opportunities
- Provide access to emotional support groups
- Offer a respite for caregivers
- Promote awareness and advocacy
- Introduce resources
- Provide legal and financial guidance
- Address caregiver burnout
- Foster hope
In addition to our informative events, we offer programs that set us apart from other senior living communities, such as Parkinson’s Communication Club, Parkinson’s Energized Fitness, Memory Cafe, and Kensington Konnect for caregivers.
Embarking on a new chapter with The Kensington Falls Church
The Kensington Falls Church is an assisted living and memory care community that has made it Our Promise to love and care for your family as we do our own.
We maintain this promise by offering high-acuity care, licensed on-site nurses, rehabilitation, and an empathic, PAC-trained team.
When your senior loved one joins our community, they will benefit from the following:
- Medication administration
- Individualized care plans
- Monthly health and wellness assessments
- An on-site physician’s office
- Alzheimer’s care
- Dementia care
- A fitness center
- Life-enrichment activities
- Exquisite dining with complimentary meals for friends and family
We understand your challenges and concerns and are dedicated to offering the support you need. That’s why we encourage you to join our informational Medicare session on Sept. 26.
Inquire about our beautiful senior living community today. We’re standing by, ready for your questions.