Category Archives: Health

What You Pay Your Doctor Under Medicare Depends

If you have original Medicare, the doctor you visit can make a difference in how much you have to pay. While you can go to any doctor who accepts Medicare payments, if the doctor does not “accept assignment,” you can end up paying a lot more. (This does not apply to beneficiaries who are in Medicare Advantage, or managed care, plans.)

Medicare Part B recipients must satisfy an annual deductible. Once the deductible has been met, Medicare pays 80 percent of what Medicare considers a “reasonable charge” for the item or service. The beneficiary is responsible for the other 20 percent.

However, in most cases what Medicare calls a “reasonable charge” is less than what a doctor or other medical provider normally charges for a service. Whether a Medicare beneficiary must pay part of the difference between the Medicare-approved charge and the provider’s normal charge depends on whether or not the provider has agreed to participate in the Medicare program.

If your doctor participates in Medicare it means that the doctor “accepts assignment.” In other words, the doctor agrees that the total charge for the covered service will be the amount approved by Medicare. Medicare then pays the provider 80 percent of its approved amount, after subtracting any part of your annual deductible that has not already been met. The provider then charges you the remaining 20 percent of the approved “reasonable” charge, plus any part of the deductible that has not been satisfied.

If your doctor does not participate in Medicare and does not accept assignment, the rules are different. Non-participating doctors can charge 20 percent of the approved amount plus up to an additional 15 percent more than the Medicare-approved amount. Non-participating doctors can also charge you for the care upfront and request that you bill Medicare, while doctors who accept assignment cannot.

Initiative 1163: Bottom Line, Bad for Seniors

Here is Rajiv’s insight into the Service Employees International Union (SEIU) proposed training legislation, in which he takes into account 2 articles published this week in the Seattle Times… one on the  News pages, the other on the Opinion Page.

“I agree with the position that Initiative 1163 does not have the best interests of Washington seniors at heart.  SEIU has only their membership in mind, not the impact on the broader community.  The problem is not necessarily training, or lack thereof, for Washington’s healthcare workers. The problem is this we are in a time when Medicaid is reducing funding to adult family homes, home care agencies, nursing homes and others. Therefore, it is not rational at the same time  to propose a bill that mandates these same groups take on additional expenditures, which they will be required to do if the initiative passes.  I agree that the healthcare workers are underpaid and therefore create a perpetual revolving door environment, but now is NOT the time for people to be selfish and look out for their interests over the welfare of a senior community facing cutbacks in services.  Finally, with the recent focus on the plight of victims in the long term care world in the newspapers and media, businesses are being forced to recognize the issue.  A better solution at the current time would be to hold businesses responsible for poor performance, but not add costs to those providers who are already providing excellent care.  I would urge people to defeat initiative 1163″.

Believing Your Health Is Bad Increases Risk of Dementia

In a study published October 5, 2011 in the journal Neurology, people who rated their health as poor or fair were significantly more likely to develop dementia later in life than those who reported being in good health, the study found.

The link was strongest among people who did not have any cognitive problems, where those who rated their health as poor were nearly twice as likely to develop dementia as those who rated their health as good, the researchers said.

“Having people rate their own health may be a simple tool for doctors to determine a person’s risk of dementia, especially for people with no symptoms or memory problems,” said study researcher Christophe Tzourio, of the University of Bordeaux 2 in France. See the full article here…

Facebook for Centenarians: Senior Citizens Learn Social Media

 

 

 

More than just a tool or channel for information, the Internet (and social networking, more specifically) has become a way for aging adults to connect to their loved ones and maintain their communities and relationships in ways more powerful than anything they ever imagined.

As adults move into older age, the spatial and social barriers they encounter start taking their toll. Isolation, loneliness, and depression are commonly experienced as family and friends move away and are less accessible, and as individual mobility and independence start to decline.

An upcoming study to be published by Dr. Shelia Cotten, a sociologist and Associate Professor from the University of Alabama, Birmingham, reveals that Internet use was associated with a 30 percent decrease in depressive symptoms among older adults who used it regularly, while other studies have shown similarly impressive results.

Check out the full article here...written as part of a MetLife Foundation Journalists on Aging Fellowship in partnership with New America Media and the Gerontological Society of America.

Breaking news for seniors: You can avoid falls… in the FALL

Eric M. Crozier, Copywright 2011

Geriatric Care Manager

 The changing season is a great time to remind our seniors of the risks of falls. We know that falls can happen at any time, and anywhere, so let’s look at a few steps we can take to minimize those risks.

1)      Be aware of the changing weather. In the fall and winter, our climate is apt to be wet and slippery. When heading out of the home for errands or activities, be sure to have the appropriate shoes that offer traction when walking on sidewalks, pavement, and especially when going up or down hills. Ladies, if you are worried about how sneakers will look with a dressier outfit, than bring your dress shoes along, and switch once inside where it’s dry.

2)      Evaluate your home for lighting and obstacles- especially for at night.  Fall brings the dusk and darkness on earlier and it’s a good idea to make sure that if you are prone to getting up in the night for a glass of water, trip to the bathroom, or get that midnight snack your doctor warned you about, then making sure you have a safe path is vital to minimizing the risk for falls. Check to see if nightlights are appropriate to illuminate the halls or that you can reach the light switches easily. It’s equally important that any floor clutter and area rugs be cleared. This is good practice in general, but especially when tip-toeing through the house at night.

3)      Powered mobility equipment is your ally.  Powered wheelchairs and scooters may be appropriate for many people. As we age, our physical changes and muscle weakness raise the risk for falls. A senior with aches, pains, muscle weakness and overall mobility changes, should consider be evaluated for using mobility equipment. Often times, the evaluations and equipment are covered by insurance. Talk with your local AgingOptions™ care coordinator or home health provider about these options.

4)      Area rugs are lovely, but risky. Area rugs are a known instigator for falls. They are utilized for adding color to a room as well as concealing holes or stains on the carpet. But they also create a big risk as they can catch toes, tips of canes as well as walkers. And too many times I have seen the popular “lift my walker over the area rug” technique only to find they still stumble and sometimes fall. Simply taking them out of a room is an easy fix. When the area rugs are on a smooth, hard surface, they can be particularly slippery. Even some of the rugs with the “nonslip” backing, can in fact, slip.

5)      Oxygen tubing can take the wind out of you. In several cases I have been amazed at the agility of my clients. Seeing them navigate stairs and hallways while dragging oxygen tubing around naturally conjures up images of “I’ve fallen and can’t get up”. If you are using home oxygen, work with your provider to be sure you have the appropriate length of tubing and placement of the room-air concentrator.

Try as we may, we can only mitigate the risks for falls.. Take the time to slow down, be prepared for the risk, and take advantage of services and products that can help you stay on your feet.

Cheers all and let’s make a goal for no falls… in the fall.

Good Health: Your Best Retirement Investment

Prolonging Good Health

JN Mixon M.D, Founder and Chief Medical Officer of Longevity Medical Clinic

Throughout human history, the goal of medicine has been to help people function normally throughout their lifespan. Yet, the progressive decline in physical and mental capacity that normally accompanies aging has always been accepted as unavoidable. Some lucky few age better than most, remaining limber and strong, and requiring little medical care. The unlucky among us age worse, with progressive health issues and debilitating bodily changes. Thus, the general course of aging has always been downhill. The sage in our midst counseled that we “age gracefully.” This is code for “get used to it, because there’s not much you can do about it.” That is no longer true.

For the first time in human history we have the ability to choose whether or not we want to go downhill over the course of the next few years. For those willing to make the necessary life changes, and to accept the help of a specialized practitioner or group of physicians, it is possible to be leaner, stronger, faster, smarter, and sexier than you were ten to fifteen years ago.

A specialized health maintenance programs can help you achieve these results.  Such programs will generally involve changing your diet, improving your exercise and activity levels, reviewing and adjusting of both prescription and nonprescription medications, customizing a science-based supplement program, restoring your endocrine support to that of a 25-year-old, and boosting immune response to the greatest extent possible. Such comprehensive programs of lifestyle change, medical intervention, and carefully individualized coaching by a specially trained physician can help to bring about dramatic changes in the average overweight and unconditioned American.

Thousands of retirees are discovering that their strength, stamina, speed, and intelligence can improve as they age. Since many of the normal, but highly undesirable, changes of aging can be postponed or even reversed, you should take control of your health by consulting medical experts to help you consider taking advantage of new and exciting developments in medicine and lifestyle so that you can stay healthy and enjoy each day.

JN Mixon M.D.

Should You Consider A Mental Health Directive?

It is not hard for most seniors to appreciate the fact that there may come a time when a person’s mental abilities may not be as agile as they once were. Most seniors can relate to having good days as compared to bad ones. And for most, this is not a significant issue to worry over.  However, for some it may be catastrophic. Consider the following scenario which reflects a common true-to-life case.

Meet John. John is cognizant of his failing mental abilities. John is used to having good and bad days. On a good day he has good recall. He can remember all facts that make being able to navigate through life possible. During such a moment, John is having a conversation with his wife, Mary, who mentions that John ought to consider getting an inpatient psychiatric evaluation done which calls for a few days of hospitalization. John agrees with the suggestion. An appointment is made to check John into a medical facility to get the agreed upon tests done.

The day John is to go to the facility, he is having a bad day. He gets to the hospital and finds himself in unfamiliar surroundings, which aggravates his mood. When he meets with the doctor, he cannot recall discussing the admission with Mary and refuses to stay in the hospital. The hospital is unable to admit John without his permission and Mary has to take John back home. Over the next few days, John’s condition gets worse. He refuses to take his medication, refuses to eat, and is generally combative with Mary. By the time John is finally admitted, it is because he is unable to articulate his own preferences. Upon admission and after some tests, it is diagnosed that there is a chemical imbalance that is causing John’s mood swings and mental inabilities. But, he has already suffered permanent health problems due to his refusal to take medication and eat food. He is dehydrated and malnourished, which aggravates his physical health. Had John agreed to the earlier agreed-upon admission, he and Mary would have been spared much expense and grief. Had Mary wanted John to be hospitalized earlier, her only option would have been to try and seek a legal guardianship or to ask the state to subject John to an involuntary civil commitment—both alternatives that are expensive and less than dignified.

It is easy to visualize such a situation impacting a person afflicted with bi-polar disorder or schizophrenia. However, as America reaps the bounty of ever-longer life spans, seniors with dementia are routinely confronted with such situations as well. It would be wise to consider executing an advance mental health directive to give caregivers and those to whom we might give powers to make independent decisions under Durable Powers of Attorney, despite the contrary decisions of principals like John.

How would executing a Mental Health Advance Directive (MHAD) have helped John? Had John executed a MHAD, it would have given Mary the power to commit him to the mental health facility against his own directive to the contrary for a maximum of 14 days. Such an admission would have allowed the doctors to prescribe the proper medication to correct the chemical imbalance which was aggravating John’s already deteriorating mental condition. Lest John be concerned about giving up his rights, the directive would only empower Mary to have the doctors refuse to honor John’s objections over being admitted for a maximum of 14 days, after which the doctors or Mary would have to seek guardianship or subject John to the involuntary civil commitment proceedings, which have an extremely high standard.

Each person who is executing a MHAD may, without limitation, include:

(a)      Preferences and instructions for mental health treatment;

(b)      Consent to specific types of mental health treatment;

(c)       Refusal to consent to specific types of mental health treatment;

(d)      Consent to admission to and retention in a facility for mental health treatment for up to 14 days;

(e)       Descriptions of situations that may cause the principal to experience a mental health crisis;

(f)         Suggested alternative responses that may supplement or be in lieu of direct mental health treatment, such as treatment approaches from other providers;

(g)      Appointment of an agent pursuant to RCW Chapter 11.94 to make mental health treatment decisions on the principal’s behalf, including authorizing the agent to provide consent on the principal’s behalf to voluntary admission to inpatient mental health treatment; and

(h)        The principal’s nomination of a guardian or limited guardian as provided in RCW 11.94.010 for consideration by the court if guardianship proceedings are commenced.

So, a properly crafted MHAD can have as many safeguards as the person executing the document desires. Needless to say, this is not a document that everyone should execute. However, those diagnosed with bi-polar disorder, schizophrenia, or dementia should certainly consider executing this document for their own safety and the peace of mind it can bring to their loved ones who will be burdened with taking care of them.

The above material is Copywrited and Proprietary to Rajiv Nagaich, JD, LLM

‘Never Say Die’

Anyone who has not been buried in a vault for the past two decades is surely aware of the media blitz touting the “new old age” as a phenomenon that enables people in their sixties, seventies, eighties, nineties, and beyond to enjoy the kind of rich, full, healthy, adventurous, sexy, financially secure lives that their ancestors could never have imagined. Much of this propaganda is aimed at baby boomers now in their late forties, fifties, and early sixties, because marketers are betting that the boomer generation will spend almost anything on products that say “Hell no, we won’t go!” to a traditionally defined old age.

Click the link for full story from New York Times http://www.nytimes.com/2011/02/27/books/review/excerpt-never-say-die.html?_r=1

9 Lifestyle Factors Shared By The Longest Living People

The Power 9 are specific lifestyle habits shared by the world’s longest living people. These lessons emphasize making changes to your environment that will influence your habits. Read more at BlueZones.com

Elderly Not Receiving Equal Healthcare

Care for the elderly in trauma centers is not same as it is for younger people.

There are many concerns about the new health laws. Whether Medicare is being cut, whether you will lose your right to see a doctor on a timely basis, etc. Many of these concerns are simply scare tactics. But one that is not – the real fact that care for elderly is often less rigorous than it is for younger people.

Is this a way to ration healthcare? This article might help you make up your mind.