Senior Care in Grand Rapids, MI: Open Enrollment for Medicare –Now through Dec 7, 2012

Medicare provides senior care coverage for millions of older Americans. The program offers a variety of coverage selections through the various “Parts” of the program and through advantage policies. These plans offer a combination of the Medicare coverage with private insurances.

Medicare beneficiaries can review and change their Medicare plans from Oct. 15 through Dec. 7, each year.

Know Your Current Plan

You may not have had any problems with your current Medicare coverage, but that doesn’t mean it is the best option for you. Know what is covered by your current coverage and what your responsibilities are for co-pays or deductibles. Know what you pay in premiums and what you pay out of pocket for medical care. This can include prescription drug costs and coverage for non-covered services as well as deductibles.

Research Other Options

Would a small increase in premiums result in a large reduction in health care costs you pay? Check, for example, what coverage is available for prescription drugs you take? Medicare representatives can create a report containing the costs and benefits of various insurance products if you supply them with a list of your drug prescriptions. Ask questions about participating doctors and clinics. Some Medicare Advantage plans limit which physicians a patient can visit.

The staff at the local Medicare office can provide reports based on your location. You may want to research coverage costs and benefits for multiple locations if you reside in different parts of the country during the year. This is of particular importance to northern residents who travel south for the winter.

The other variable is difficult to predict. What medical problems will you suffer next year? Will you need senior care services? Most Medicare recipients base their choices for next year’s coverage based on their current medical situation and prescription drugs. If you have reason to believe your medical condition will change, you may want to include that information in the Medicare decision process.

Make the Change

Once you determine which policy provides you with the best value in senior care make the change. This can be arranged through a representative of the company offering the Medicare Advantage Plan or through the Medicare representatives for standard Medicare coverage. Changes take effect on Jan. 1, 2013.

If you or someone you know needs help with senior care in Grand Rapids, MI contact the caregivers at Home Helpers. We provide quality and affordable senior care for many disabled and elderly loved ones in our community. Call us at (616) 258-2300 for more information.

About Dan Gauthier

Dan Gauthier has a long and successful business pedigree. He spent his college years working in the restaurant business and worked in various executive management positions at Universal Forest Products, Inc. over a span of 17 years, and Therm Technology / Family Safety Products for 12 years.

When the recession hit in 2008 Dan was “downsized” from UFP and spent a few years consulting for local companies Amway and Cascade Engineering. During this period Dan’s in-laws were experiencing catastrophic health problems and it required Dan’s wife Marion to focus full time on caregiving for her mother. Marion enlisted help from a local home care agency and it did not go well. This experience led to the creation of Gauthier Family Home Care, a home care agency that is uniquely holistic and family centric. Dan now works full time running GFHC.
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