Are you sure you want to exit? Your progress will be lost.
Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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I acknowledge and authorize
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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
Always remember, if you go with an Advantage plan, you have another insurance company calling the shots. They have the final say on who is in network and what they will authorize. They limit your choices. They don't tell you this when you sign up.
I went through the tools Medicare set up on their web site. Start with entering your zip code, then they present the MA plans available. From that list I immediately eliminated the HMO plans. Those will restrict you to the HMO doctors (there are probably ways to get referrals out of plan, if they have no options, but it'll likely cost you!)
Once it was pared down (not a lot of options where I am located), the plan I was interested in allowed me to check to see if the doctors I generally use are "in the plan" - since all were, I went with that plan (also UHC/AARP plan.) It does say that you can go to any doctor who accepts Medicare, but some are likely not in the network, so it is better to check first (those who are in the plan can later drop out, so it is always good to check again later!) You can go out of network, but most of the time it will cost you more.
I still find the cost of this MA plus Medicare much better than my last two years with company insurance - even on their "retirement" plan. Almost 12k to get a freaking physical, and not much of one at that. Nothing else was covered as they had a new policy whereby you pay the first $700 of ANYTHING, so my eye exam and one doc visit were both out of pocket. :-( (BTW, the MA plan covers eye exams, hearing, basic member in health club and for a fee it has a dental plan - I kept my company based dental plan as it covers much more.)
The same plan for 2020 has the same cost, but co-pays are going up as are costs for other items. I did note they have another plan that is $0, with smaller co-pays, however the big cost, as someone else noted, is if you have something serious, like hospitalization/surgery. THEN you pay!
The tools on the Medicare page also allow you to "compare" if there are several plans that interest you. Basic info presented only, so either read the details for each plan you consider or contact HICAP.
Contact HICAP. This is exactly what they help people figure out. I went with SCAN although that isn't available everywhere. I am now with United Health Care through AARP. They handle 'all the parts' so easy for me. SCAN was the best though.
I had AARP United Health Care for one year - they were not the best plan I've had by any standards! Check out their co-pays for mental health appointments, for one thing? I went to a counselor 1x/week for almost a year when dealing with Mom's problems and found the $45 co-pay with them grossly more expensive than the $30 with my prior plan (an additional $60/month out of pocket) and that wasn't easily searchable initially. Other issues too...
Some Medicare Advantage plans are entry age and others are age rated. Some plans have $0 premium because their catastrophe out of pocket costs are very high and routine copays are small. It’s a crazy marketplace for seniors to understand. Bottom line if you are healthy and have money in the bank an Medicare Advantage is probably good for you. If you do not have money in the bank, get a Medicare Supplement Plan.
If the F plan hasn’t already been eliminated, it is slated to go away, for new enrollees. The G supplement is the same, except it does not cover your yearly deductible. We found the F plan premiums per year were higher than the G Plan deductible.
This is the medigap policy - I have plan G, although I could have had plan F. My annual deductible is only $198, and that's quickly made up by the difference in premiums!
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Once it was pared down (not a lot of options where I am located), the plan I was interested in allowed me to check to see if the doctors I generally use are "in the plan" - since all were, I went with that plan (also UHC/AARP plan.) It does say that you can go to any doctor who accepts Medicare, but some are likely not in the network, so it is better to check first (those who are in the plan can later drop out, so it is always good to check again later!) You can go out of network, but most of the time it will cost you more.
I still find the cost of this MA plus Medicare much better than my last two years with company insurance - even on their "retirement" plan. Almost 12k to get a freaking physical, and not much of one at that. Nothing else was covered as they had a new policy whereby you pay the first $700 of ANYTHING, so my eye exam and one doc visit were both out of pocket. :-( (BTW, the MA plan covers eye exams, hearing, basic member in health club and for a fee it has a dental plan - I kept my company based dental plan as it covers much more.)
The same plan for 2020 has the same cost, but co-pays are going up as are costs for other items. I did note they have another plan that is $0, with smaller co-pays, however the big cost, as someone else noted, is if you have something serious, like hospitalization/surgery. THEN you pay!
The tools on the Medicare page also allow you to "compare" if there are several plans that interest you. Basic info presented only, so either read the details for each plan you consider or contact HICAP.