Friday, September 30, 2016
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Preview the Paper Preview the Paper

Preview this week's Paper
A limited number of pages are displayed in this preview.
Preview this Week’s Issue ›
Subscribe Today ›

Lost & Found

Lost: Heart charm bracelet, necklace with arrow and heart, crown ring, and heart knot ring, all pieces are silver, lost at LV Light It Up ceremony. Please call Sheri, 210-833-8377.
Found, two large Lab Dogs, no collars, 1 yellow, 1 chocolate. Both very large male dogs, friendly have them in my yard. Please call 830-928-1296
Found: Light brown large male puppy, approx. 1 year old, very lovable and sweet, no collar, near F.M. 537 and 427 off Hwy. 181. Call 830-393-9999 or 419-250-9099.
More Lost & Found ads ›

Help Wanted

Full Time Backhoe operator with Class A CDL in Gillett, Texas. Must have CDL, 2yr experience operating backhoe, and no more than 2 moving violations in the last 36 months. ves@ventureenergyinc.com
Maverick Grill is hiring line cook, cook, and dishwasher. Apply in person Mon.-Fri. between 2-5 p.m., 6671 U.S. Hwy. 181 North, Floresville. 830-216-2712.
More Help Wanted ads ›

Featured Videos





Video Vault ›

South Texas Living


Medicare covers Alzheimer’s disease




E-Mail this Story to a Friend
Print this Story
Jim Miller
December 26, 2013 | 1,781 views | Post a comment

Dear Savvy Senior,

What all does Medicare cover when it comes to Alzheimer’s disease? My wife was recently diagnosed with early stage Alzheimer’s and I would like to find out what’s covered and what’s not.

Researching Spouse

Dear Spouse,

Most medical costs to treat beneficiaries with Alzheimer’s disease are covered by Medicare, but unfortunately long-term custodial care costs that most patients eventually need are not. Here’s a breakdown of what Medicare does and doesn’t cover when it comes to Alzheimer’s disease, along with some tips that can help you plan ahead.

Medical care: For the most part, ongoing medical care to diagnose and treat Alzheimer’s disease is covered by Medicare Part B, including visits to primary care doctors and specialists, lab tests, speech and occupational therapy, home health care, and outpatient counseling services. Medicare pays 80 percent of these costs, and you will be responsible for the remaining 20 percent after you’ve met your annual $147 Part B deductible.

Inpatient hospital care is also covered under Medicare Part A with a $1,216 deductible and coinsurance. And, as part of health care reform, Medicare is also covering 100 percent of annual wellness visits, which includes testing for cognitive impairment.

Medications: Most Alzheimer’s medications are covered under Medicare’s Part D prescription drug plans, but plans vary on copayments. If you have a Part D plan, use the Medicare Plan Finder tool at medicare.gov/find-a-plan to compare your plan’s total drug costs against other plans to be sure you’re getting the best coverage. The Alzheimer’s Association offers a chart on coverage for common Alzheimer’s drugs -- go to alz.org and type “drug chart” in the search field to find it.

Long-term custodial care: Many seniors are surprised to learn that Medicare does not cover long-term custodial care. This includes nursing home care, the costs of assisted living facilities, and adult day care. Medicare does, however, pay for some shorter-term nursing home care, but only up to 100 days following a three-day inpatient hospital stay.

Hiring home help for bathing, toileting and dressing (this is known as custodial care) is not covered by Medicare either unless your wife is also receiving skilled-nursing care or physical or occupational therapy to help with the recovery from an illness or injury.

To help with these costs, you may want to consider a long-term care insurance policy. Or if your income and assets are very limited, you may qualify for Medicaid. See longtermcare.gov for a breakdown of long-term care planning options.

Hospice: In the final stages of the disease, Medicare Part A covers nearly all aspects of hospice care, including doctor services, nursing care, drugs, medical equipment and supplies, physical and occupational therapy, homemaker services, counseling, and respite care. To qualify, a doctor must certify that a patient has six months or less to live.

Other Insurance

If you don’t have a Medigap (Medicare supplemental insurance) policy, you should consider getting one. A Medigap plan will help pay for things that aren’t covered by Medicare like copayments, coinsurance, and deductibles. To search for plans in your area, visit medicare.gov and click on “Supplements & Other Insurance” or call Medicare at 1-800-633-4227 and ask them to mail you a free copy of the “Choosing a Medigap Policy” publication 02110.

Or, if you’re enrolled in a Medicare Advantage plan (like an HMO or PPO), your plan must give you at least the same coverage as original Medicare does, but make sure your doctors are in your insurer’s network to avoid excess costs. Also find out whether you need a referral or prior authorization before getting care.

Financial Assistance

If you can’t afford your Medicare out-of-pocket costs, or need help with medication expenses, there are government programs that can help. Go to benefitscheckup.org to search, or contact your Eldercare Locator (1-800-677-1116) who can refer you to local services to assist you.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.
 

Your Opinions and Comments


Be the first to comment on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

South Texas Living Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. Better boxed lunch and after-school snack ideas (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Buttons, Bows, & Blessings Tea is Oct. 8 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Catch ‘Elvis’ in San Antonio (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Celebrate National Night Out Oct. 4 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deer-proof your landscape with native plants (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy Fall Fest at St. Luke-Loire (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy German food, music at Oktoberfest (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Experience live pro wrestling in SA (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Ferdinand the Bull (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get your fill of turkey, tamales, and more in Panna Maria (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Gluten-free bread: great for lunches (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. H-E-B to roll out new ‘H-E-B Select Ingredients’ product line (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Health tips, advice for travellers (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Josiah Media Festival is Oct. 6-8 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Feria de las Flores is Oct. 15 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register now for Master Gardener 2017 evening classes (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register to walk and end NF (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Shop community rummage sale at St. Gerard’s (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. St. Ann’s Fall Fest is Oct. 2 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale Museum fund-raiser Oct. 1 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. The Rock UMC plans events (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. We could all do better (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Apple Pie readers help Julia fill in the blanks (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cheap cell phone plans for seniors (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Come And Take It starts Sept. 30 (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Disc water pitcher (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. DRT chapter plans meeting, new member class (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get ready to grill at show barn’s barbecue cook-off (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Old Town Day seeks vendors (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth VFD to serve up barbecued chicken (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Run and shine at Neon Sizzle 5K (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Spots open for Community Yard Sale (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. St. Mary’s Fall Festival Sept. 25 (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Support FUMC youth at barbecue ‘fun’ raiser (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Teen MOPS plans upcoming meetings (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. The root of many evils (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Uncovering local legends: The grave in the middle of the road (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. URBAN-15 seeks dancers, drummers (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chicago Cub yearbooks (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy Country Music Show Sept. 20 (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. How to prevent falls at home (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Krawietz family reunion (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia EMS plans Car Show (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Labatt Club donates to library, children (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Low voices and high hopes (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lutheran Church plans Sausage Dinner (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Medicaid covers mosquito repellent to fight Zika (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Metting family plans reunion (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Non-prescription drugs — the forgotten solution to rising health-care costs (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Relay For Life meeting is Sept. 15 (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Seguin Cowboy Gathering is Sept. 17 (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Smith Gas celebrates 88 years in business (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. The life of Doris Billimek Moczygemba (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Trail ride donations surpass $1M (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Visit Remembering Our Fallen exhibit in Seguin (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Who will take care of you? (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. A life shaped by hard work and hunting (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. After-Dinner Chocolates (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cajun music Sept. 10 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Donate hearing aids, glasses, equipment (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Earn a certification in native landscaping (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy EquestFest 2016 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Getting Engaged? How to spend wisely (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Mystery box (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nominate a nonprofit for Literacy Award (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Old medicine chest dates back to 1821 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Professional bull riding returns to Fredericksburg (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register to run for tacos Oct. 1 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Road Runners plan September outings (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Still time to buy tickets for Wild Game Dinner (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Take a tour of SS museum Sept. 17 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Take the H-E-B Slim Down challenge (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Vote for top flick at Manhattan Short Film Festival (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Welcome to The Greenline, a 43-acre linear park (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. ‘Cupping’ long before Phelps did it (September 7, 2016)
WCN Photo Contest HHF
WWII Clippings HHF
Coupon Q&A HHF-right
coupon home-rght
Allstate & McBride RealtyHeavenly Touch homeFriesenhahn Custom WeldingVoncille Bielefeld homeTriple R DC Experts

  Copyright © 2007-2016 Wilson County News. All rights reserved. Web development by Drewa Designs.