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  • Best Smartwatches: Fitness Tracking and Keeping Time in Style

    Best Smartwatches: Fitness Tracking and Keeping Time in Style

    One of the most notable changes in wearable tech in recent years has been the shift from more sci-fi, goofy wearables like Google Glass to more practical and stylish items like smartwatches. Whether you’re a busy professional who needs a handy wrist-mounted smartphone or a fitness enthusiast looking for a good tracker, there are tons of great smartwatches for you. Let’s take a look at some of the best.

    We prioritized two things in this list: firstly, price point. The best technology is the tech you can afford, so we only included smartwatches that are a good value for the features they offer. The second consideration was style. If you’re going to be wearing a piece of technology as a fashion statement, it needs to look good. Finally, and most importantly, we considered the overall usefulness of the features on display in the individual smartwatch.

    FitBit Versa

    If your primary reason for wanting a smartwatch is to track your fitness and tell time while you work out, then the Versa is a great choice for you. It’s notably on the lower end of the price spectrum for smartwatches, coming in at a solid $200 MSRP, and available on sale for under $170 at many retailers at time of writing. The simple and straightforward UI and barebones features can make this watch feel a little lacking for some tech enthusiasts, though it makes a solid fitness tracker.

    If you’ve never owned a smartwatch, starting with the Versa wouldn’t be a bad idea. There’s not a ton of bells and whistles to keep up with, nor are there complex menus to navigate to get to your fitness data. For someone looking for a straightforward and no-nonsense smartwatch for fitness tracking, the FitBit Versa makes a great workout companion.

    Apple Watch Series 4

    The big, bold OLED face and the advanced heart monitoring functionality set the Apple Watch Series 4 apart from the competition in a big way. The signature square face with rounded corners makes the Apple Watch recognizable at a glance, and an easy status symbol for Apple faithful. A variety of stylish and functional bands are available from Apple’s own store, and numerous third-party outfitters make their own bands for the popular watch.

    Fitness features are a huge draw to Apple’s smartwatch. Advanced features for tracking heartrate over activity can even detect ECG! The watch can automatically detect workouts and track your runs, allowing you to keep track of your fitness with ease. The waterproof construction and loud speaker are also huge plusses for the stylish little smartwatch.

    Samsung Galaxy Watch Active

    In much the same way that the Apple Watch is the smaller iteration of the iPhone’s design, the Samsung Galaxy Watch is the scaled-down answer to Samsung’s own Galaxy smartphones. Much like the phones it gets its name from, it’s a solid competitor to Apple’s offering for fans of Samsung’s designs. The design is light and simple, and it’s a great companion for any fitness enthusiast. Robust fitness features like exercise tracking and great heartrate monitoring make this a stellar option for those looking for a fitness tracker.

    One of the best aspects of the Galaxy Watch Active is the price point. Coming in at only $200, it’s a fair sight more affordable than a lot of the competition, but it still offers comparable features. Many people prefer the round face, making it appear more like a traditional wristwatch. In fact, many watch faces mirror the appearance of a wristwatch, making the device more discreet and less flashy than some of the competition, too. This could be a pro or a con depending on your style.


  • Boost Your Immune System! Try These Vitamin Subscription Services

    Boost Your Immune System! Try These Vitamin Subscription Services

    Everything has a subscription these days. You subscribe to a video streaming service like Netflix. You could have a shave club subscription, or maybe a makeup subscription. Maybe you get meal boxes in the mail, or something more fun like a Loot Crate-style grab bag. But do you get your vitamins delivered to your door?

    Most people don’t get nearly enough vitamins, and it shows in their overall health. After all, it’s hard getting enough vitamins in a normal diet. Don’t worry: today we’re going over the best vitamin subscriptions for those trying to get healthy.

    Vitamin Subscription Services

    Why Get a Subscription?

    Personalized vitamin subscriptions are an important service when you compare them with a normal multivitamin. Mass-market vitamins have to appeal to the widest number of people, but that means that they could be full of stuff you’re already getting enough of.

    Subscription services are wonderful because they’re personalized. You get exactly the vitamins that your diet is missing, so you’re that much healthier! Not to mention, it’s nice to get them delivered right to your door. You don’t need to remember to go out and get them, or be bothered with a trip to the supermarket.

    The Best Subscription Services

    Generally speaking, you want to go with a service that fits your budget and offers you the best value. Some of the more well-regarded vitamin subscription services are HUM Nutrition and Persona Nutrition, both of which offer you access to professional nutritionists. These two services are a bit on the pricier side, however.

    If you don’t care about having contact with a dietician or nutritionist, Rootine offers a subscription service of personalized vitamins for $60 per month. Similarly, Vitafive offers less expensive prices for vitamins in gummy form, and even offers support for Amazon Prime users.

    Other services that get good reviews and offer personalized services are Care/of and Ritual. Care/of sends you multiple pills or powders for your vitamin regiment, whereas Ritual just sends you one pill that has all the stuff you need in it.


  • Ready to Face Addiction? Search Drug Rehab Centers

    Ready to Face Addiction? Search Drug Rehab Centers

    When you discover that a close friend or family member has a serious drug problem, it is often a surprise. Help is always there for those who are ready to face their addiction.

    Here are the leading signs and symptoms to look for with addiction.

    1. Profound Personality Changes– Everyone can have a ‘down-day’, or even a ‘down-week’. But when you witness a larger departure from the personality you’re used to seeing, listen to that warning.
    2. Isolation- When you observe a family member retreating, not engaging and struggling to communicate- this can be a sign there is something deeper going on.
    3. Job/Career Issues- Missing deadlines, absenteeism from work, and a drop off in performance can be the initial signs that a problem is growing. When a friend or family member cannot hold onto a job or is terminated repeatedly, it may be time to ask questions about what is going on at work and outside of work.
    4. Developing Unhealthy Friendships  – When people start using new substances, they may spend time with others who have similar habits. They people may encourage the unhealthy habits, and doing so makes it more likely for the user to feel like it is normal when it may be the opposite.
    5. Financial Trouble- Individuals who use drugs spend large and unexplained amounts of money. You may see bank accounts drained, assets sold, and going into debt to fuel their habit.
    6. Poor Judgement- Addiction can lead individuals to do things they normally wouldn’t to obtain the drug of choice. Behaviors like stealing, lying, engaging in unsafe sexual activity and committing crimes that can land people in jail are all part of this vicious cycle.

    If you’re ready to give someone the help they may need, here are a few tips on things to avoid at an intervention.

    • Labels like “alcoholic,” “addict,” “junkie,” etc.: These can be taken as accusatory. Instead, opt for neutral terms and avoid defining the person by their addiction.
    • Too many people: Pick a core group of close friends and family, and stick to a small number of people.
    • Being upset during the intervention: Find ways to manage personal feelings so the event doesn’t become overrun by strong emotions.
    • An intoxicated subject: If the subject of the intervention is intoxicated when the event is supposed to occur, it is not likely to be effective. Be prepared to wait for the person to sober up.

     

     


  • Botox Treatments: How do they Work?

    Botox Treatments: How do they Work?

    Botox treatments are the most popular non-surgical cosmetic procedure in the world! How much do you know about this popular procedure, though? Maybe you’ve heard about the muscle-paralyzing effects of the procedure, or maybe you’ve just heard that the procedure helps to eliminate wrinkles. Today we’re looking at the treatment, the chemical in question, and whether Botox might be a good idea for you.

    Botox Treatments

    What is Botox?

    The Botox treatment involves using a carefully controlled dose of a neurotoxin to paralyze some of the muscles in your face. That might sound pretty scary, but as long as a professional is applying the procedure it’s perfectly safe. The toxin itself, botulinum toxin, is created in laboratory settings by manipulating a bacterium called Clostridium botulinum.

    The toxin itself is unbelievably dangerous, and is one of the most poisonous substances to humans that science has ever studied. It is estimated that a single gram of botulinum toxin could kill over a million humans, and only a few kilograms could wipe out the entire human race. That’s a pretty scary thought!

    The Toxin

    The toxin itself usually has to be lab-made to be deadly to humans. The bacteria that create it normally don’t do so in their natural environments, unless they transform into vegetative cells. In nature Clostridium botulinum is often found near lakes, in forests and in soil. It often lives in the intestinal tract of small mammals, and can often be found in the gills of fish.

    In high concentrations, the toxin these bacteria create results in a medical condition called botulism. Botulism typically results in serious respiratory distress in affected people, and, if left untreated, results in death. While this all may sound rather scary, the botulinum toxin still has proven to be a successful therapeutic protein.

    What it Does

    Botulinum toxin, when used in small quantities and applied correctly, can paralyze muscles in a very localized fashion. It does this by blocking proteins before they can reach the nerve cells in the muscles. You’ve likely seen the jokes about people getting Botox and being unable to move their facial muscles: this protein-blocking action is the reason why.

    In order for muscles to work correctly, a neurotransmitter called acetylcholine has to be released. It binds to receptors in the muscles and this, in turn, causes the muscles to contract. It’s pretty simple in theory, but in your body is occurs millions of times in a short span of time and across your entire bodily structure. Botulinum toxin is capable of simply cutting this neurotransmitter off at the source, resulting in paralysis. This is what gives it the title “neurotoxin.”

    In Cosmetic Procedures

    All of the scary, nerve-blocking functions would be terrifying in a large dose, of course. In a controlled dose, however, this toxin can have some interesting cosmetic effects. Namely, Botox procedures are normally aimed at reducing the appearance of facial wrinkles or fine lines. It does so through its normal function of blocking proteins and paralyzing muscles, but in a highly localized area.

    By paralyzing these muscles, the intended effect is to cause the face to appear smoother and more youthful. Typically it takes a day or so for the toxin to take effect, though, when it does, it can result in facial stiffness for a few days while the body deals with the toxin. Following the procedure, many find their facial appearance to be much smoother, their wrinkles being reduced.

    There are a few side effects that can occur with the procedure, however. The most common ones include nausea, headaches or migraines, double vision and a general feeling of fatigue. Rarer side effects could include redness or local edema at the injection site, trouble swallowing, neck stiffness or weakness, dry mouth and other side effects.


  • Review: Medical Alert Systems

    Review: Medical Alert Systems

    If you have been looking into buying a medical alert system, our team has put together a quick review on the leading options:

    How Medical Alert Systems work:

    Nearly all medical alert systems for seniors have a button that can be pushed if they are experiencing a medical emergency, fall or otherwise. The emergency button can come in the form of an alert bracelet, necklace or a watch. All systems are connected to an off-site emergency response system. Most systems come with a 2-way communication feature to help assess the situation and dispatch appropriate help or response. Apart from lifesaving benefits for the individual who may be in need, a Medical Alert System is also very beneficial for extended family who can receive notifications. Overall, these systems provide security and independence for those that may need them as well as peace of mind for extended families.

    Most recommended Medical Alert Systems:

    1. Medical Alert  Medical Alert is one of the nations’s largest providers of emergency monitoring systems. Packages start at $19.95 a month with no activation fees. A+rating with the Better Business Bureau. One free month and free shipping when you sign up for an annual plan.
    2. One Call Alert One Call Alert relies entirely on AT&T’s nationwide service for home and mobile devices. This means there is no need for a landline or wifi. Wearable in-home devices have a battery life of over five years with no need to charge them. Plans can be customized and start at $29.95
    3. MobileHelp:  MobileHelp is an FDA certified and offers on the go and residential plans. One standout is their Mobile Duo plan which is great for couples or roommates and provides protection for two individuals for the price of one. Other features include medication reminders as well as cellular and landline options. Pricing starts at $19.95 per month.

    Overall Benefits:

    Investing in a Medical Alert System can free you from the anxiety of being alone during a medical emergency. Features like automated fall detection, automated notifications and caregiver tracking will give independence and security to the disabled and elderly.

     

     


  • Searching for Medicare Part D?

    Searching for Medicare Part D?

    If you rely on Medicare for your health care, you may find that Medicare doesn’t cover everything. For those on a fixed income, it can be extremely difficult to afford medication or any additional health care costs not covered by Medicare.

    If you are currently in a difficult situation where the health care bills are piling up, consider Medicare Supplemental Insurance. Medicare Supplemental Insurance is insurance that can help cover what Medicare doesn’t. We analyzed several plans, our findings are below

    Best Medicare Supplemental Insurance

    Information About Supplemental Insurance

    An important note: in order to get supplemental insurance, you must have both Medicare Part A and Medicare Part B. Part A covers inpatient, and Part B covers outpatient care. Another factor to consider is Supplemental insurance only covers one person. Additionally, as long as you’re paying your premiums, Medicare supplemental  insurance can’t drop you, no matter what medical issues you may begin to suffer from.

    Supplemental insurance may not always cover everything Medicare misses.  Supplemental insurance is not going to cover all expenses. Things like vision, dental, prescriptions, long term care and private nursing are also not typically covered. Finally,  supplemental insurance must be acquired within the first sixth months of you turning 65 and you must already be on Medicare to qualify.

    United Healthcare Insurance Company

    The United Healthcare Insurance Company is endorsed by the AARP. This company offers a great deal of benefits for those on Medicare. In 2019 they had a 94% satisfaction rate amongst users. They also offer coverage that can be combined with a Medicare Part D plan. Those with this policy can visit any doctor that accepts Medicare! United Healthcare allows you to choose from a wide variety of plans, coverage, deductibles and benefits so you have coverage to fit your health needs and your financial situation.

    State Farm

    State Farm is another option for supplemental insurance. State Farm Medicare Supplement Insurance is designed to cover the gaps in Medicare, helping to pay deductibles, co-insurance and co-payment amounts not covered by Medicare. State Farm also provides you the flexibility to choose between different plans to meet your individual needs and budget. They are a well-respected agency and are renowned for their high customer satisfaction ratings “Like a Good Neighbor, State Farm is There” tagline is very true. State Farm insurance might be able to cover hospital or medical services your Medicare won’t pay for as well.

    Humana

    Humana offers Medicare supplemental insurance that covers Medicare Part A and B. Humana’s policy covers coinsurance for medical expenses, co pays, hospice care and hospitalization, skilled nursing facility care, and blood work. Additionally, the Humana plan also covers copayments for outpatient services. Remember, this is in addition to your Medicare coverage, so getting this extra coverage could save you a lot of money when you have expensive outpatient services. Particularly if you have frequent doctor’s visits, you may find yourself saving a ton with this supplementary policy.


  • Tips for Signing up for Life Insurance

    Tips for Signing up for Life Insurance

    If you’ve been looking into life insurance, it can be a complex and daunting field! Whether you’re worried about your spouse, children or even grandchildren, life insurance is a great thing to have. You never want it to come up, but someday your family will need it!

    Tips for Signing up for Life Insurance

    Visit Your Doctor

    The first thing you’ll want to do before signing up for life insurance is head by the doctor for a quick check-in. This is doubly true if you used to smoke but don’t anymore. Similarly, if you were overweight but have lost weight since your last check-up, you’ll want this reflected in your records.  That said, this is a good practice anyway: checking in with your doctor regularly is important, regardless of whether you’re looking to get life insurance soon!

    Buy Layered Coverage

    You probably don’t need one gigantic policy. You can save yourself some money by layering your coverage and buying coverage for different lengths of time and with different criteria. While this might sound complex, it’s not too hard to accomplish. You simply see what your life insurance needs are and figure out how much coverage you need. Then, take out individual policies that offer the coverage you need! That way, you’re getting more coverage for less! That’s the definition of a win-win.

    Volunteer No Unneeded Information

    While it can be tempting to simply offer up all of your info unbidden, it’s best not to. When it comes to life insurance, you should only tell the insurance company the information that they ask for. A lot of times, you’ll be penalized for information like whether either of your parents died of cancer. However, some applications will only ask about things like heart disease. It’s okay to simply answer the questions they ask, and not offer any elaboration unless they specifically request it.

    This might seem a bit counterintuitive: after all, no one wants to be dishonest. However, it’s not dishonesty if the insurance company doesn’t ask about it. Simply offer them the information they’ve asked for and you’ll make things much simpler for yourself!

    Whether to Have an Exam

    We highly recommended getting a policy that has an exam if you’re healthy. This is where that doctor’s visit from earlier comes in handy: if your doctor gave you a clean bill of health, you can save some serious money with an exam policy. The policies that don’t have exams can be anywhere from three to six times more expensive than those that do! Don’t spend money you don’t need to, if you’re healthy, go with the exam!

    If you’re not in terribly great health, however, it might be less expensive to get a no-exam policy. However, you should discuss with your doctor any health issues that you think are affecting you. We highly advise you talk to a knowledgeable independent insurance agent if you feel as though your application may be complicated by poor health.


  • Best Treatments for Migraines: Treating the Symptoms

    Best Treatments for Migraines: Treating the Symptoms

    Those who suffer from migraines know the feeling creeping up on them. It’s a tightness behind the eyes, stiffness in the neck and shoulder. Before they can respond, they’ve got a full-blown migraine hammering away inside their head. How can you take steps to alleviate your migraine symptoms?

    Today we’re taking a look at some of the medicines and treatments that are most effective for curtailing the effects of a bad migraine. While there’s no cure-all for the condition, there are steps you can take to make the symptoms a bit more bearable. So, let’s take a look.

    What is a Migraine?

    First, let’s look at what migraines are. Scientists aren’t sure, definitively, what causes a migraine, or what exactly they are. However, the symptoms are well-documented: splitting headaches, photosensitivity, nausea and extreme pain. The prevailing theory as to their physical origins in the body holds that they occur when your brain sends a wave of activity across your nerves into you trigeminal nerve.

    This, in turn, causes something of a “cascade” effect. The body releases a series of neurotransmitters that cause the blood vessels around the skull to enlarge, putting more stress on the nerves and muscles of the cranium. This, in turn, causes more of these neurotransmitters to be released, further engorging the blood vessels and increasing the pain. This creates a feedback loop that makes migraines incredibly painful.

    Remember, however, that migraines are not life-threatening, and you’re in no danger from them: they just hurt very badly. Your symptoms will not cause any long-term damage to you, they’re just highly uncomfortable.

    Setting

    Often, one of the best things you can do for a migraine is change your setting. If you’re finding yourself battling migraine symptoms in public, you might want to try to find a nice, quiet area to rest in. Migraines are usually exacerbated by bright lights and loud sounds, which prevent you from recovering from the symptoms quickly.

    In some cases, extreme temperature fluctuations can also make migraine symptoms worse. If you’re in a very cold room, or a very hot room, try to find an area that’s milder and more neutral. This will help you to focus on just feeling better!

    Stress

    Stress is a major factor in migraines. In many cases, stress is the only actual trigger for the headache, but just an emotional one. If you find yourself experiencing a major migraine while you’re stressing out, grab a stress ball and try to work out your emotions. Breathing meditation, yoga and the like can also be helpful for reducing stress.

    If you work in a stressful environment, consider keeping some tea on hand that you can brew and then drink. Ideally, this will allow you to take a brief break from your duties, if they’re stressing you out, while you steep your tea and drink it. The warm liquid and calming ritual both work wonder in helping you calm down!

    Pain Relievers

    Another way to address migraines is through the use of pain-relieving medicine. If you have them on hand, common NSAIDs can be helpful. Drugs like ibuprofen, Tylenol and Aleve are examples of these kinds of pain relievers. They typically take a few hours to get into your system, but they are rather effective at dealing with headache symptoms in most people.

    Another type of medication you can take is the “migraine abortive” variety of drugs. These usually can’t be taken with migraines that have an “aura” (a period of sensory overload before the onset of the actual migraine symptoms), so speak with your doctor about these types of medications. They’ll be able to help you select one that is right for your specific situation.


  • Best Migraine Treatment

    Best Migraine Treatment

    Are migraines taking over your life?

    If you suffer from migraines, it is important to identify the triggers that cause the migraine. Here are some of the most common triggers and treatments for chronic migraines.

    Triggers:

    1. Specific Foods: Heavily Processed foods, Alcohol, Refined sugar and caffeine (or the lack of) are some common dietary culprits. Keeping a food and drink diary for a week can help understanding of potential patterns between your diet and migraines.
    2. Stress: There are many different approaches to reducing stress.  Remedies including meditation, essential oils and listening to calming music are worth exploring.
    3. Light sensitivity: is one of the most commonly reported symptoms of migraine sufferers. Extended exposure to harsh lighting can further exacerbate mild headache symptoms. If you feel a migraine coming on it’s a good idea to take a break from staring at computer or phone screens.

    Remedies:

    1. Stay Hydrated: Many headaches are caused by dehydration.  Keep a reusable bottle for water with you during the day. This will allow you to drink water when you’re thirsty and help to keep you hydrated throughout the day. 
    2. Triptans: Triptans are medications that combat extreme migraine symptoms. Triptans work primarily by constricting blood vessels and blocking the brain’s pain receptors. Those at risk for heart attacks and strokes are urged to not take triptans.
    3. Botox:  Botox has proven successful for relief for migraines in many cases.  The FDA has only approved Botox for those suffering from chronic migraines. What does this mean? You must have 15 or more days of headaches each month. You must also be 18 years or older
    4. Reduce your Stress: Sources of stress vary for each person. A bit of introspection on what causes stress in your life may be useful to help with your migraines.

  • Learn About Senior Living: Our Complete How-to-Guide

    Learn About Senior Living: Our Complete How-to-Guide

    The “Sandwich Generation”, comprised of mostly middle aged adults in their 40s and 50s, are caught between caring for their aging family members while raising their own children and attempting to build a nest-egg for their future.  These days the Sandwich Generation is quickly having to learn about senior care and how to navigate the growing industry as they are faced with tough decisions of how to best provide for the elderly in their lives.  This guide helps serve as a starting point on how to navigate the matrix of senior health care. 

    Making the decision to move a family member into a long-term care facility or nursing home can be a  challenging call and a heavy burden on the entire family both emotionally and financially. First the family must determine the best course of action considering the medical condition of the elderly, the potential need for short and long-term care and finally the financial situation of everyone involved. 

    If time is of the essence, consider the following first: 

    Often, family members are thrust into a decision after a hospitalization from a minor or major medical issue, forcing family members to quickly determine which nursing home is right as opposed to “if” a nursing home is the right option.  For those who need to make an immediate decision, the most important thing to consider is the financial situation.  The cost is generally comparable from home to home. However, it is important to determine if the homes you are considering accept medicare or medicaid payments. 

    For those who have time to evaluate and plan, you need to consider the following three critical factors: 

    1. Short-term and long-term health prognosis.  Start by first consulting with the family member’s medical doctor or care team to help determine the short-term and long-term potential needs.  
    2. Evaluate the financial situation of your family member. 
    3. Then begin considering which type of care is best –  home health care or nursing home care. 

    Home Health Care: At its core, home health care is just as it sounds – medical  and non-medical care provided in the home. Home health care can include many services provided by skilled medical professionals such as  physical therapy and nursing care.  Additional support can also include skilled non-medical and companion care to assist with basic needs such as help around the home, help with grooming, cooking and ensuring medication is administered properly.  Many families choose this option to prolong the family members time at home in their known environment.  Typically speaking, the cost is less than that of a nursing or long term care facility. However, home care support often requires oversight by a family member or friend and might need to be modified as the health condition of the family member evolves. While creature comforts are a major advantage of home health care, it is important to note that social engagements and community support are of critical importance for elderly and often need to be augmented by family members. 

    COSTING NOTE:  Home care tends to be less expensive than nursing care but costs will increase as health deteriorates and additional care is needed.  A general guideline on costing is $4,500 – $5,500 per month. IMPORTANT – this is based on U.S. average and can vary greatly per state and need. This should be used as a guideline only. 

    Nursing Home Care

    A nursing home is a facility for the residential care of elderly varying in needs of medical support.  Nursing homes can also be known as skilled nursing facilities, long-term care facilities, retirement homes, convalescent homes or group homes.  Each may offer slightly different types of support and care. Generally speaking, a nursing home is used by elderly who do not need to be in a hospital, but need additional support from professional nurses and skilled care givers.  Nursing homes provide around the clock care and have access to medical professionals in the event a resident needs support.  Like home-health care, nursing homes can provide basic support, like administering medication to dementia care and day-to-day grooming support.  An additional advantage to a nursing home is the built-in community and social engagement opportunities. 

    COSTING NOTE:  Home care tends to be less expensive than nursing care but cost will increase as health deteriorates and additional care is needed.  A general guideline on costing is $6,000 – $7,500 per month. IMPORTANT – this is based on U.S. average and can vary greatly per state and need. This should be used as a guideline only. 

    How to Select a Nursing Home

    CONSIDER THE FOLLOWING:

    First, consider what you want and what your family member needs. What is critical and what is nice to have —nursing care, meals, physical therapy, a religious connection, hospice care, or special care units for dementia support, social activities. A few additional questions to consider: 

      • Does my relative get to choose a roommate? 
      • Can he/she still have her favorite foods?
      • What religious services are provided? 
      • Who is responsible for laundry and should clothes be labeled?
      • What is the distance from your home?
      • Do they accept local or federal financial payments, like Medicare or Medicaid?

     

     

    ASK FOR RECOMMENDATIONS: Talk to friends, family and religious leaders who know your loved one well. Their healthcare providers will also likely have some wonderful suggestions.  Talk with friends, relatives, social workers, and religious groups to find out what places they suggest. Check with healthcare providers about which nursing homes they feel provide good care.

    ADDITIONAL RESOURCES: Medicare offers a great resource on their Nursing Home Compare website. Their site allows consumers to compare information based on yearly surveys conducted in person by the Department of Public Health according to strict criteria. It contains quality of care information on every Medicare and Medicaid certified nursing home in the country, including over 15,000 nationwide.

    NARROW YOUR FOCUS: 

    Call every facility on your recommendation list and ask the critical questions from above along with key details like: 

    • Average cost per month
    • Resident to care provider ratio 
    • Advanced support (e.g., hospice – should it be necessary) 

    NOTE: Facilities can range from small independent homes to large corporate backed homes, each offering pros and cons. Don’t rule one out based solely on size. 

    Once you have selected a few facilities that  fit your needs, prepare to visit each home. It is important to meet the facility director as well as the nursing director.  Medicare has provided the following home checklist: Medicare Nursing Home Checklist (PDF, 178K) for additional ideas like: 

    • Medicare and Medicaid certification
    • Handicap access
    • Residents who look well cared for
    • Warm interaction between staff and residents

    During your visit, be sure to ask lots of questions such as schedules, approach to senior care, tenure, turn-over rate, etc. Once you have your top 2, plan for a follow-up visit on a different time or day of the week to see different activities, meal services and procedures. 

    Paying for Nursing Home Care

    If independent funds are unavailable, limited federal or state support might be available. Unfortunately, the supplemental support varies greatly per state and will require additional research. 

    IMPORTANT NOTE:  Definitions and terminology can also change – for example Nursing home vs. Assisted living home can have different meanings

    The  2019 State Medicaid Assisted Living Benefits guide has a wonderful recap with more links and information. 

    State Medicaid Policies and Programs for Assisted Living  
    Alabama Alabama has several Medicaid programs that help individuals remain living in their homes, but does not currently provide assistance for those in assisted living.  
    Alaska The state of Alaska will pay for assisted living or “Residential Supported Living Services” through the Alaskans Living Independently Waiver, as well as Adults with Physical Disabilities Waiver. Enrollment may be capped, and therefore, waiting lists for services may exist.  
    Arizona Arizona, through the Arizona Long Term Care System (ALTCS) will pay for services for individuals residing in an assisted living community, provided there is space available in the program. Self Directed Attendant Care offers ALTCS program participants the option to choose their own care providers  
    Arkansas Arkansas now offers two options that help pay for assisted living for Medicaid beneficiaries.  The specifically designed Living Choices Assisted Living Waiver is a great option. Personal Care under the state’s regular Medicaid program can be provided to assisted living residents, and via this program, program participants can self-direct their own care through the Independent Choices Program.   
    California Medi-Cal (California Medicaid) pays for assisted living via the Assisted Living Waiver (ALW). This waiver is not available statewide, and as of 2019, assisted living residences are available in only 15 counties. However, persons not living in those counties can choose assisted living residences in those counties.  
    Colorado Colorado has an Elderly, Blind and Disabled Waiver (EBD) that allows program participants to receive care services in an assisted living residence. Be aware that assisted living is referred to alternative care facilities. Via the Consumer Directed Attendant Support Services (CDASS) option, EBD program participants can choose and hire their own care providers.  
    Connecticut Medicaid in CT pays for care in assisted living (which it calls congregate housing) through the Home Care Program for the Elderly (CHCPE). The Connecticut Assisted Living Program further explains the assisted living services under CHCPE. Adult Family Living is another option, although it is analogous to adult foster care, not assisted living.  
    Delaware Through the Diamond State Health Plan Plus program Delaware provides assistance to individuals in assisted living.   
    D.C. The District of Columbia Medicaid program offers the Elderly and Persons with Disabilities Waiver which now covers assisted living in limited situations.  
    Florida Florida has eliminated its HCBS Waivers and now covers assisted living through the Statewide Managed Medicaid Care – Long Term Care.  
    Georgia Under Georgia’s Community Care Services Program, assisted living services, also referred to as alternative living services, are provided. The Georgia SOURCE Waiver also includes this benefit  
    Hawaii Hawaii offers Med-QUEST (Medicaid managed care), which will pay for an individual’s nursing services in assisted living residences. Another option is Adult Foster Care which provides assisted living type services in small home-like environments.  
    Idaho Idaho Medicaid provides three programs that pay for participants’ personal care regardless of the location in which they reside (at home or in assisted living) provided they do not live in a nursing home. These programs are the HCBS Aged & Disabled Waiver, Personal Care Services Program and the Idaho Medicare Medicaid Coordinated Plan.  
    Illinois Illinois offers the HCBS Waiver for Supportive Living Facilities. While there is an enrollment cap on the program, the state does offer a large number of slots and has many more residences under development.  
    Indiana Indiana includes assisted living as a benefit under its Aged and Disabled Waiver (A&D) provided participants reside in Medicaid approved assisted living communities. The waiver also offers an alternative to assisted living called Structured Family Caregiving.  
    Iowa Iowa allows residents to consumer direct their attendant care. Attendant or personal care can be provided at home or in assisted living. The HCBS Elderly Waiver is the name of the program that provides funding.  Another option for adults under 65 is the Health and Disability Waiver.  
    Kansas Medicaid in Kansas (KanCare) offers payment for nursing services regardless of the location in which an individual resides, be that at home or in assisted living. Funding is provided by the HCBS/ FE Waiver.  
    Kentucky Kentucky Medicaid has the Supports for Community Living Waiver, which covers adult foster care. However, it is not available to most seniors as it is for persons whose intellectual or developmental challenges developed prior to the age of 22.  
    Louisiana Louisiana Medicaid does not currently provide assistance to individuals to help with the cost of assisted living. However, under the Community Choices Waiver, there is a benefit called Monitored In-Home Caregiving, which is similar to adult foster care.  
    Maine MaineCare (Medicaid’s name in Maine) offers two Medicaid programs that help persons remain living in their homes, but does not currently provide assistance for those residing in assisted living facilities.  
    Maryland For Medicaid (called Medical Assistance in Maryland) eligible individuals who are assessed as requiring a higher level of care, but do not have a need so great that it would be less expensive for them to live in nursing home, Maryland Medicaid will pay for assisted living under the Community Options Waiver (formerly the Waiver for Older Adults).  Another option with different eligibility criteria is the Increased Community Services (ICS) Program. Finally, Community First Choice, under the state Medicaid plan, will provide care services in assisted living.  
    Massachusetts In Massachusetts, Medicaid is called MassHealth. MassHealth pays for personal care for individuals living in assisted living through the Personal Care Attendant program. Massachusetts also has a program called Caregiver Homes in which participants receive a similar level of 24/7 care as they do in assisted living but instead live in the private homes of caregivers. Finally, Group Adult Foster Care covers personal care but not rent.  
    Michigan Through the Michigan Choice Waiver Program, the state will pay for assisted living. However, the state may refer to it as adult foster care or homes for the aged. Another option is Health Link.  
    Minnesota Minnesota pays for assisted living through the Medicaid Waiver called the Elderly Waiver. As with most waivers, participation is limited.  A second option is the Community Access for Disability Inclusion (CADI) Waiver.  A third option is the state’s Medicaid managed care program called MSC+ & MSHO is available via all programs above.  
    Mississippi Mississippi has a Medicaid Waiver specifically designed to help individuals reside in assisted living residences. Read more about the Assisted Living Waiver.  
    Missouri Missouri Medicaid covers the cost of personal care for qualified individuals through its Aged and Disabled Waiver. The waiver does not specifically designate the residential location of the care recipient other than to exclude personal care from being provided in a nursing home.  The same rules apply to the State Plan Personal Care option. The Supplemental Nursing Care Assistance Program also offer financial assistance for both assisted living and nursing home care. Finally, Medicaid Care Options provides long-term care services in assisted living.  
    Montana The Montana Home and Community Based Services Medicaid Waiver will cover the cost of care services in assisted living for its participants. Note that this waiver refers to assisted living as Adult Residential Living.  
    Nebraska Nebraska offers residents the Aged and Disabled Medicaid Waiver. Under this waiver, assisted living is an included benefit.  
    Nevada Nevada HCBS Waiver covers “augmented personal care” or in more common language, the program covers personal care in assisted living residences. Another option for disabled adults of any age is the WIN Waiver.  
    New Hampshire New Hampshire, through the Choices For Independence Medicaid program pays for assisted living. However, it is referred to as adult family care in the list of the program’s benefits.  
    New Mexico New Mexico now has a managed Medicaid program for long term care.  Under this program, titled Centennial Care Community Benefit, assisted living is an included benefit.  
    New Jersey New Jersey has a Medicaid managed care program called Managed Long Term Services and Supports (MLTSS), which includes assisted living as an option.  
    New York New York offers the Assisted Living Program (ALP), which provides approximately 4,200 units statewide in licensed assisted living communities.  However, this program is not strictly open to Medicaid participants. Personal care provided under Managed Long Term Care can be provide to persons residing in assisted living, as can the Consumer Directed Personal Assistance program.  
    North Carolina North Carolina’s Medicaid State Plan Personal Care option provides personal care assistance in assisted living.  
    North Dakota North Dakota’s State Plan Personal Care is provided regardless of the living situation (excluding nursing homes).  
    Ohio Ohio offers a Medicaid waiver specifically for assisted living called the Assisted Living Waiver Program. This program pays for care services in residential care communities but does not pay for the room and board cost. There are a limited number of slots available and participants must select from approved providers. In certain counties, for persons eligible for both Medicaid and Medicare, the AL Waiver has been replaced with a Managed Medicaid program called MyCare Ohio.  
    Oklahoma Through Oklahoma Medicaid’s ADvantage Program Waiver, services in assisted living communities are covered. Under the Medicaid State Plan Personal Care can also be provided to persons living in assisted living.  
    Oregon Oregon, under the K Plan (part of the Community First Choice state plan option), offers attendant care services as a benefit regardless of the location in which the beneficiary lives (except for nursing homes).  Eligible locations include at home, in adult foster care, independent living or assisted living communities.  
    Pennsylvania Pennsylvania does not provide financial assistance or care services funded by Medicaid to residents that live in assisted living communitie. However, the Department of Aging Waiver does provide personal care assistance in domiciliary care homes, which can be thought of as adult foster care. There is also the Community HealthChoices Program, a managed care program, which provides personal care assistance in domiciliary care homes. Additionally, PA offers a supplement to Supplemental Security Income (SSI) to persons who are living in non-nursing residential care.  
    Rhode Island Rhode Island has a program called SSI Enhanced Assisted Living that provides up to approximately $1,500 / month to be put toward the cost of assisted living. However, this is not a Medicaid program. RI does have a Medicaid program called RIte @ Home, which offers 24/7 personal care in a caregiver’s home, but not in assisted living communities. Finally, the state’s Global Consumer Choice Compact Waiver covers supported services in assisted living.  
    South Carolina South Carolina Medicaid under the Community Choices Waiver includes assisted living as a benefit.  
    South Dakota Under South Dakota’s HCBS Waiver for the Elderly, (now called the HOPE Waiver) services in assisted living communities are covered.  
    Tennessee TennCare CHOICES in Long-Term Care Program helps participants that wish to reside in assisted living communities by paying for nursing and personal care services in those communities. Room and board however are not considered eligible expenses for the Medicaid Waiver.  
    Texas Texas Medicaid will cover the cost of services provided in an assisted living community through the state’s STAR PLUS program.  The cost of room and board is not included.  
    Utah Utah Medicaid pays for services in assisted living residences via the New Choices Waiver.  
    Vermont Vermont’s Choices for Care Medicaid Waiver operates under the Global Commitment to Health Waiver and continues to pay for services in non-nursing home, residential care facilities.  Another Medicaid option is Assistive Community Care Services.  Finally, there is the Attendant Services program.  
    Virginia Virginia does not currently have a Medicaid program that helps to pay for assisted living. However, while the VA Adult Services program does not provide care services in assisted living, it does provide assisted living assessments.  
    Washington Washington has Medicaid waivers and programs that provide help for residents in assisted living or adult family care. Two of the options, the Medicaid Personal Care program and the Community First Choice program, are state plan options that provide care assistance. The COPES Program also has an assisted living option, as does the New Freedom Program. Finally, the Nurse Delegation Program is a unique program that trains non-medical caregivers to assist with some medical related tasks  
    West Virginia West Virginia, through its Medicaid Personal Care option will pay for personal care for state residents if they live at home or in assisted living, but does not cover rent.  
    Wisconsin Wisconsin, in a limited capacity, provides services to state residents that live in assisted living communities through Family Care program which is designed to replace COP-W.  Another option is Personal Care, provided under the general Medicaid program. Finally, persons can receive care assistance in assisted living residences via IRIS.  
    Wyoming Wyoming Medicaid offers the Community Choices Waiver.  This program will pay for a variety of personal care and nursing services for residents in assisted living, but notably does not pay for their room and board costs.  

    While the process can seem daunting at times, researching and planning for the future of your beloved senior will help ease the transition for all.