Medicare Dos and Don’ts

Today, four out of ten American adults care for their elderly parents. The elderly population in America is only going to continue its upward growth. By 2030, the elderly population is expected to reach 19 percent in America. Due to this fact, the need for quality senior citizen care is more important than ever. Helping the elderly navigate the world of Medicare is one way that Americans can assist their senior parents.

Avoiding Medicare Fraud

Medicare is an important part of senior citizen care. However, Medicare fraud is an all-too-common issue in America. To help your elderly parent avoid Medicare fraud, remind them to give their Medicare number only to their doctors or any hospitals where they are receiving treatment. The elderly should never give out their Medicare number over the telephone.

You and your elderly parent should look over their Medicare statements each month. This way, any fraudulent charges will be quickly noticeable. Urge your parent to call Medicare as soon as possible, if there is a mysterious charge on their statement.

Medicare D Tips

Medicare D, which covers prescription drugs, is a crucial component of elderly care. Not all Medicare D plans are equal. These plans have different co-pays, premiums and formulas. If your elderly parent is unsure which Medicare Drug plan is best for them, their pharmacist may be able to help. Offer to accompany your parent to the local pharmacy to discuss their options. The AARP.ORG website offers helpful information, too.

If your senior parent is having trouble covering Medicare deductibles and co-pays, they might benefit from a Medicare supplemental insurance plan. This plan, also known as Medigap, will help cover co-pays and deductibles.

Having Medicare knowledge is one step towards being able to provide the best senior citizen care. With your support, understanding and navigating Medicare will be an easy process for your elderly parent.