Page 12 - Hobe Sound Reflections - October '21

Page 12, Hobe Sound

senior Matters

Not Just For Seniors household. Others have pulled loved ones out of long- and you have time to plan for future caregiving
term care settings permanently. responsibilities, do it.
Be Prepared For Caregiving Maybe you’re now sharing a roof with a senior relative Ask loved ones to get their paperwork in order
or are responsible for caring for one. well before a crisis. That includes advance health care
By Arati Hammond, Though such work can be rewarding, it also entails a directives, wills, and information about their finances.
Realtor at Keller Williams considerable amount of emotional, physical, and financial Also, consider how well suited a loved one’s home is
Realty,Seniors Real Estate strain. You’re likely to need resources and advice to get for aging in place and what modifications you make to
Specialist and Certified you through the tough days and plan for the obstacles improve safety.
Luxury Home Marketing that may come. After all, the vast majority of those over age 65 say
Specialist • Respect the autonomy of the person you’re caring for they want to age in place.
Until they’re thrust into and include them in decisions about their care. In addition, research other housing options, even if you
the role of caregiver, few are • Incorporate moments of joy – music, games, and outings plan to care for someone at home. Things change, and if your
really prepared for the job. – with your loved one. parent suddenly needs nursing care, you won’t be forced to
Many more people • Care for yourself by taking short breaks during the day. make housing and long-term care choices amid a crisis.
have suddenly become Meditating and getting exercise can help, and so can
caregivers during the saying “yes” when others offer to help.
pandemic because they’ve opted to bring a parent or • Find a caregiver support group.
loved one into their home and create a multigenerational If you have the luxury of not facing an emergency
Business spotLiGHt

Medicare Corner With Gillie Supplement Or Advantage Plan? How Do I Decide?
Advantage Plans must cover all the medically necessary Medicare.gov offers look-up tools for medications and
It’s Time For Medicare Annual Enrollment services that Original Medicare covers. Most plans offer all plans in your area. There is an overwhelming amount
Period (AEP), Oct. 15 To Dec. 7 extra benefits that Original Medicare doesn’t cover – like of information there. A licensed local agent like me can
prescription drugs, dental, vision and hearing. review your information and help you make an informed
What Does This Mean Medicare Supplement Insurance Plans (also called decision.
To Me, What Are My Medigap) help fill “gaps” in Original Medicare and are sold I Am Already On An Advantage Plan I Like … Should
Options? by private companies to cover deductibles and copays. I Change?
• Change from Original Prescription drug coverage must be purchased separately. Each year you receive the Annual Notice of Change
Medicare to a Medicare What Do I Look For? How Do I Know What Plan Is (ANOC) for your plan which outlines the changes for the
Advantage Plan Best For Me? upcoming year. A free plan review will let you know if
• Change from a First we review the costs of supplement and drug other plans you previously ruled out may have coverage
Medicare Advantage Plan plans and look at your healthcare budget. Then we review that better meets you needs now or if your current plan
back to Original Medicare the Advantage plans, check to see if are doctors are in is sufficient.
• Switch from one network and review the cost of medications you take. I speak Medicare: Supplement, Drug Plan and
Advantage Plan to another Another consideration is, which of the ancillary benefits Advantage Plan.
Advantage Plan of Advantage Plans are most important to you: dental, For your free Medicare Plan review, call me.
• Join, drop or change Medicare drug coverage eye exam, glasses, gym membership, hearing aids, over Gillie Thorpe, Agent, (772) 237-7123
the counter medication, etc.?

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