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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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My 91 father-in-law's health is declining and his medicine just shot up $1000 a month. Can he still sign up for Medicare part D? If not, are there other insurances that cover medicine that we can look into?
Your best bet would be to contact a Hiicap or Ship counselor though the local Office for Aging. I volunteer at our local OFA as a Medicare health insurance counselor and this is an issue we run into. The penalty people refer to would be 1% of the average cost of a Part D for each moth they were eligible to sign up for part D since May of 2006 when the program first became available. That is currently about .34 cents per month. Now there are ways around that. If a person's income is low enough and they qualify for the Medicare Savings Program they would get their Medicare premium paid and any penalty waved. You would need to check with Hiicap/ SHIP counselor since the income level varies by state. The other option may be a Medicaid spend down in which medical expenses are used to bring a person's income low enough to qualify for Medicaid. If they qualify for just one month then the penalty is forgiven and they would get Part D premium paid and low cost medication for the next 6 months to a year depending on your state. To get the number for your local SHIP office call Medicare's 800 number and they can give it to you for your area. These are complicated processes to go though but well worth the effort. Don't let that penalty thing scare you. Even if he does end up having to pay it, it only comes out to about $55/month plus any premium for the part D insurance. They are from around $13 to $100 depending on the plan selected. The savings realized from having medications covered is well worth it. I recently signed up a lady that needed diabetic medications that were costing her several hundred per month. Even with the penalty ( she was 85)her cost was greatly reduced. Even though she wasn't eligible for any of the programs I mentioned to eliminate the penalty we were able to sign her up for our state's Elderly Pharmaceutical Assistance program at no additional cost to her and got her part D premium paid and part of the penalty. There are things available. You just need to find the right person to help you find them. Good Luck!!!
I would be extremely cautious with giving someone an herbal blood thinner, if one even exists, without notifying a doctor and being under their constant supervision. If too much is given, the person could suffer an internal hemorrhage. Any herbal remedy or even supplements should be approved by the persons physician as they can have dangerous interactions with each other and prescribed meds.
Having said that, I totally support clean eating. Organic food is more expensive which is an issue for those of us on a limited income, but we manage.
Try looking into alternative medicines, meaning the plant and herb variety. Get your loved one off the big pharma hamster wheel. For each drug your LO is taking there are side effects that warrant another drug to offset them it never ends. Get to the root of the problem and get rid of the drugs. Want to keep them healthy, take a serious look into nutrition. Good wholesome organic foods heal, drugs simply are nothing more than a slow miserable death. Keep going the way your going and they will die painfully and broke.
First, is he a Veteran? If so, look to getting him into the VA System.
The problem with your FIL getting Medicare part D now is, the penalties will be high - but still lower than the price of the new medicine. However, speak to his physician and explain that your FIL cannot afford $1000 month medications and find out what else he could be taking instead.
It's easy to prescribe medications - most physicians have no idea what they cost. AND, before you get the Medicare part D - this is probably not a medication that would be covered! Ask the pharmacy if part D would even help.
I found Humana Rx coverage worked best for us. Mom was on 11 different meds when we signed up. We had mail order meds through their Humana Rightsource division - most of them were 0 co-pay after the annual deductible was met. It's been a lifesaver - we started in 2011. She's only taking 8 meds daily now. She does not have Medicare Prescription coverage.
I suggest calling the doctor and asking if there is a less expensive medication your dad can use. Many times new drugs are very similar to older, less expensive ones.
Call The Rx Advocates 844-559-8332 This is a patient assistance program that works with patients meeting income guidelines and lack of insurance including part D. Pharma companies partner to provide needed drugs at affordable prices; this group is the link between doctor, patient, pharma and need.
So my mom @ 83 never signed up for Part D. We met with an insurance man who figured out her cost including all the penalties and at the time it was going to be a wash between what she was paying and what her medications we costing her per month. She was not anywhere near the price point your dad is at. The other thing is that there are multiple Part D plans and a plan is chosen based on the medications your dad is taking and which plan offers coverage for that type of medicine. I personally think it is worth checking into it and talking to different companies. Call around and ask “Part D” Insurance providers all the particulars. They should ask for a list of medications your dad is on and suggest an appropriate plan. This is what my understanding was a year or so back. Hope this helps
There is an excellent video series on YouTube from a company called “Remdigap”. The lady, Joann, explains all the ins and outs of Medicare. I seem to remember her video on Part D said if you opt out of Part D you have to pay a penalty if you want to sign up later.
A lot of drug companies with phenomenally expensive drugs offer assistance. I know Bristol-Myers Squibb does. We were lucky enough to qualify for assistance with Eliquis. You can call these manufacturers and ask for an application for their patient assistance program.
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.
Having said that, I totally support clean eating. Organic food is more expensive which is an issue for those of us on a limited income, but we manage.
The problem with your FIL getting Medicare part D now is, the penalties will be high - but still lower than the price of the new medicine. However, speak to his physician and explain that your FIL cannot afford $1000 month medications and find out what else he could be taking instead.
It's easy to prescribe medications - most physicians have no idea what they cost. AND, before you get the Medicare part D - this is probably not a medication that would be covered! Ask the pharmacy if part D would even help.
844-559-8332
This is a patient assistance program that works with patients meeting income guidelines and lack of insurance including part D. Pharma companies partner to provide needed drugs at affordable prices; this group is the link between doctor, patient, pharma and need.
A lot of drug companies with phenomenally expensive drugs offer assistance. I know Bristol-Myers Squibb does. We were lucky enough to qualify for assistance with Eliquis. You can call these manufacturers and ask for an application for their patient assistance program.