interview the elderly person who have used medicare\

How does Medicare work for the elderly?

Twelve percent of the elderly population—3.7 million people— had incomes below the poverty level and another 7 percent—2.2 million people— were near-poor with incomes between 100 and 125 percent of FPL ( Figure 1 ). 1 Together, these 5.9 million poor and near-poor people comprise Medicare's non-institutionalized low-income elderly ...

How many elderly Americans rely on Medicare?

Elderly Income. People age 65 and older have less income on average than those under age 65, and the disparity increases as the elderly grow older. ... (PPS), the hospital discharge rate for the U.S. population began to decline. Data from the NCHS National Health Interview Survey suggest that the drop experienced in the mid-1980s began to ...

What should I do if I'm turning 65 and want Medicare?

Oct 01, 2019 · Inadequate facilities to cater for the elderly people, as well as financial constraints, were the major problems in the provision of health care to older people (de Guzman et al 309). When Pillemer attained 45 years, has diagnosed with chronic lower respiratory ailment, a disease that made him spend several days in the hospital bed.

Why do low-income elderly people rely more on Medicare?

With this in mind, here are 10 tips to interview, record and preserve legacy stories of aging elders. Start by talking about others. A perfect ice-breaker to jump start the interview is by asking him or her to talk about someone else. This exercise opens the dialog between you and the elder and establishes a certain level of intimacy and trust.

How do seniors feel about Medicare?

Why is Medicare important to the elderly?

How do I ask Medicare questions?

Who answers questions about Medicare?

How do you explain Medicare?

Is Medicare serving its purpose?

What are the 4 types of Medicare?

Does Medicare have an email address?

What is the Medicare helpline?

Why do doctors not like Medicare Advantage plans?

Does Medicare ever contact you by phone?

What is Medicare Part C called?

What age group do you sell Medicare insurance?

As an insurance agent who sells Medicare, most of your clients probably fall into the 65 and older population. When you talk to people in this age group, there are several communication do’s and don’ts to keep in mind.

Why is it important to use the appropriate identifiers when talking to other agents?

It’s essential to practice using the appropriate identifiers when talking to other agents, your field marketing organization, and especially your clients. Getting into the habit of using the right words when you’re talking about older adults will help prevent a slipup when you’re meeting with a client.

What is the tendency to use patronizing language or simplified words when talking to seniors?

Avoiding Elderspeak. One major offense an agent can make when talking to older Medicare clients is falling into elderspeak. This is the tendency to use patronizing language or simplified words when talking to seniors or addressing them with names like, “sweetie” or “dear.”.

How to avoid a slipup when meeting with an older adult?

Getting into the habit of using the right words when you’re talking about older adults will help prevent a slipup when you’re meeting with a client. It’s essential to practice using the appropriate identifiers when talking to other agents, your field marketing organization, and especially your clients.

What does "still" mean in seniors?

Note that it’s not just demographic labels that can insult seniors. A word like “still” can also convey negativity, as in still driving or still exercising. Phrases like these imply that seniors are doing something out of the ordinary, when in fact, many of them drive and work out on a daily basis.

Do older people use elderspeak?

Older adults usually take elderspeak as an insult, not as being kind, so do your best to avoid using it.

Do seniors have to learn simplified words?

Many seniors maintain the same vocabulary they had years ago, several improving their vocabulary as they age. There’s no reason to assume someone over the age of 65 needs simplified words or phrases any more so than younger individuals.

How many states have elderly people?

Almost half of the elderly in the United States live in eight states: Florida, Pennsylvania, New York, Ohio, Illinois, Michigan, California, and Texas. In the first four of these states, the percentage of the state's population that is elderly exceeds the national average of 12.1 percent (Table 3.3), with Florida having the highest concentration of persons over age 65. Other than Florida, many states with a large share of elderly are in areas where the high concentration arises more from out-migration of the young than from shifts in the residence of the elderly population.

What percentage of the elderly were white in 1986?

Table 3.2summarizes information on the population by age and ethnic group (white, black, and hispanic). In 1986, about 89 percent of the elderly and about 80 percent of the nonelderly were white. The white population has a higher proportion of elderly than do other ethnic groups (13 percent versus 8 and 5 percent for black and hispanic populations, respectively) and a higher proportion of the older old (i.e., those 75 years and older). The proportion of the elderly population who are minority is expected to grow considerably over the next decade (Special Committee on Aging, 1987– 1988).

What was the poverty level for elderly people in 1986?

Many elderly people are just above the poverty line. In 1986, the poverty line for a single elderly person was $5,255 and the near-poverty line, or 125 percent of the poverty threshold, was $6,569; for a couple, the values were $6,630 and $8,288. The data in Table 3.6can be interpreted as showing that, in 1986, about one in eight elderly persons was at or below the poverty threshold, one in five was below 125 percent of that threshold, and just over one in three was below 150 percent. Although these are still large percentages, they are not as dramatic as the figures two decades earlier, when, for instance, one in four elderly persons was in poverty.

What is the elderly support ratio?

The elderly support ratio is defined as the ratio of persons age 65 and older to persons of working age, between 18 and 64 years old. Owing to higher life expectancy and smaller families, the ratio of elderly to working-age persons is increasing dramatically. In 1900, there were about 7 elderly persons for every 100 working-age persons; in 1986 the ratio was about 20 per 100. This ratio is projected to increase to 37 elderly per 100 working-age persons by the year 2030 (Special Committee on Aging, 1987–1988). The elderly support ratio is important in economic terms because the working population can be thought of as supporting the nonworking age groups, although the rise in retirement age might mitigate the economic effects somewhat.

How many elderly people live alone?

The vast majority of elderly (95 percent) live in the community. Of this group, 54 percent live with a spouse, almost 30 percent live alone, and the remaining 16 percent share a home with children, other relatives, or friends. Consistent with widowhood, the percentage of elderly living alone increases with age. For example, of persons age 65 to 74, approximately 24 percent live alone; the figures for those 75 to 84 and for those age 85 and older are 39 and 45 percent, respectively.

Is the income of the elderly lower than the income of the non-elderly?

Although incomes of the elderly are lower than those of the nonelderly, they have been rising steadily. Between 1980 and 1984 income growth of the elderly population was higher than that of other subgroups of the population (Moon, 1988). After adjusting for family size and tax liability, the disposable income of the elderly is comparable to that of the adult population (age 18 to 64).

Do all elderly people have equal income?

Gains have not been shared equally by all elderly. For instance, because of rising wages and increases in Social Security, individuals turning 65 (those just joining the ranks of the elderly) tend to have higher incomes, on average, than those already in the elderly category. Conversely, those who die each year tend to have lower incomes. Therefore, the average income level of the elderly increases as a function of demographic change.

Where should Pellimer visit the elderly?

As a part of the society, he should visit the elderly people in hospitals, or in their homes, and assist them in any way that he deemed appropriate. Pellimer grew up knowing the essence of taking care of the old people, who are not even family members.

What is senior center?

He mentioned about senior centers that handle elderly people with disabilities. According to Stanhope and Lancaster, senior centers provides education, recreation, counseling, case management, therapies, among other services, to a group of older people who opt to remain independent in the community (368).

Why do older people have challenges?

The major challenge among older adults is health, where majority of them suffer from chronic illnesses . I decide to conduct an interview with Johnstone Pillemer, one of my grandfather’s closest friends, to understand his past life’s situation, his current, as well as his plan for the future. Pillemer is a retired banker, aged 71 years. He is now a retiree, who spends most of the time in his resident, with her wife, who is 67 years old. Their children, who are now adults, live away from their home, and they only come to visit them whenever they are free. This has made the family to hire a house-help, who undertakes the household chores, in addition to facilitating their medical attention in case they fell ill.

Should older people be burdened?

Old people should not be perceived as a burden, as they still hold an essential part in the community. Children should take the responsibility of ensuring that their elderly parents receive the health care that is appropriate to their survival.

Did Pillemer get Medicare?

Although he recovered at that time, the disease kept on disturbing him even after his retirement. Now that the bank cannot pay for his medical needs, Pillemer had prepared for such a time by enrolling in Medicare, the federal social insurance program that caters for the health needs of people over the age of 65 years.

How to start an interview with an elder?

Start by talking about others. A perfect ice-breaker to jump start the interview is by asking him or her to talk about someone else. This exercise opens the dialog between you and the elder and establishes a certain level of intimacy and trust.

How to get seniors to talk about themselves?

Use vintage family photos. Everyone loves to reminisce with old family photos and this is one of the best ways get seniors talking about themselves. Choose photos that depict an event, if possible, rather than a portrait. "What do you remember about that day or those people in the photos." Many people in those old photos might as well be strangers to grandchildren but could be an important part of their family history.

What is the difference between a senior citizen and a young person?

Young people today are living in a world where sharing minute-by-minute life experiences are the norm. Senior citizens, on the other hand, grew up keeping things to themselves. Humility is often the biggest obstacle to overcome before opening a treasure trove of valuable life lessons.

What is low income Medicare?

NOTES: Includes non-institutional continuously enrolled beneficiaries. Low-income beneficiaries are those with incomes below 125 percent of the Federal poverty level. SOURCE: Estimates prepared by the authors based on analysis of the 1992 Medicare Current Beneficiary Survey.

What are the health problems of the elderly?

people are more likely to have chronic health problems than non-poor elderly people (Figure 5). Nearly two-thirds (65 percent) of poor elderly people suffer from arthritis that can impair mobility and result in the need for medication for treatment and pain relief. Similarly, the prevalence of diabetes and hypertension, both illnesses requiring substantial medication costs and ongoing physician supervision, is highest in the low-income cohorts of the elderly population. Functional disabilities contributing to the need for LTC assistance further com- pound the medical problems of elderly people (Rowland, 1989). Among non-insti- tutionalized elderly Medicare beneficiaries; 7.8 percent report needing help to perform one or more activities of daily living (ADLs), such as dressing, eating, and toileting, and many more report difficulty in carrying out these activities due to health problems. The rates are higher for the poor and near-poor elderly, with 12.9 percent of the poor and 10.5 percent of the near-poor reporting such limitations (Fig- ure 6). Low-income elderly people are also more likely to have three or more ADLs and increased dependency because of mul- tiple limitations than those with higher in- comes. Elderly people with functional limi- tations are often financially strained by non-medical needs and expenses as well as by the need for additional services and spe- cial transportation arrangements to obtain medical care. In sum, poor and near-poor elderly people are more likely to be experiencing health problems for which they require medical services than elderly people who are economically better off, but they are less able to afford needed care because of their lower incomes. For those who need medical care and incur large out-of-pocket expenditures, medical expenses can lead to

What is usual source of care?

services (Weissman and Epstein, 1993). Having a usual source of care, or a particu- lar place where care is obtained, is com- monly viewed as an indicator of access to medical care and an important component of primary care. Low-income Medicare beneficiaries who rely solely on Medicare are over twice as likely as those with addi- tional coverage to be without a usual source of care. Nearly one-fourth (22 per- cent) of Medicare-only beneficiaries report no usual source of care compared with 8 percent of those with private insurance and 9 percent of those with Medicaid (Figure 16). Problems in obtaining care, such as de- lay in seeking care due to cost, provide di- rect evidence of the impact of financial bar- riers to care. Problems in obtaining care may compromise health status and result in prolonged suffering and increased mor- bidity. If care is eventually obtained and the problem has become more severe, it may be more difficult and costly to treat be- cause of the delay. Low-income elderly Medicare beneficiaries who have only Medicare are two times as likely to delay seeking needed medical care as those with additional private insurance or Medicaid. One-fourth of low-income Medicare-only beneficiaries indicate that they delayed seeking medical care in the past year be- cause of worry about the cost (Figure 17). In contrast, only 13 percent of those with Medicaid or private insurance reported such delays due to cost. Having additional coverage substantially lowers the likeli- hood of problems in gaining entry to the health care system. Similarly, lower levels of satisfaction with out-of-pocket costs reflects inadequate in- surance coverage and can be indicative of access problems. Over one-fourth (27 per- cent) of low-income elderly Medicare-only beneficiaries report that they are unsatis- fied or very unsatisfied with the out-of- pocket costs they paid for medical care

Is Medicare a barrier to low income people?

Affordability of private insurance poli- cies to supplement Medicare is a major barrier to coverage for many low-income elderly beneficiaries. Higher income eld- erly beneficiaries are much more likely to have retiree benefits that provide health in- surance coverage to supplement Medicare. Low-income people are less likely to have had the types of jobs during their working years that offer private health insurance af- ter retirement as a benefit. As a result, higher income elderly are more likely to have employer-sponsored coverage, while low-income elderly are more reliant on medigap coverage. An individually purchased medigap plan in 1992 averaged over $1,000 (Chulis, Eppig, and Poisal, 1995). The high cost of medigap coverage results in a greater fi- nancial burden on low-income beneficia- ries compared with more economically advantaged elderly people. For a poor eld- erly individual living on an annual income of less than about $7,000, spending $1,000 on a medigap policy can substantially strain resources. In recent years, Medicaid has helped to fill this gap by providing assis- tance with Medicare's financial obligations to low-income elderly Medicare beneficia- ries, but the large share of both poor and near-poor elderly people relying solely on Medicare for coverage underscores the limits of Medicaid's reach. ROLE OF MEDICAID Medicaid makes Medicare coverage af- fordable for over 4 million low-income eld- erly Medicare beneficiaries by serving as their medigap policy. For those who qualify for assistance from the means-tested Med- icaid program, Medicaid coverage is an

Do elderly people get medicaid?

reflects both their limited financial ability to pay substantial amounts and the likeli- hood that some of the low-income elderly are assisted with their medical expenses and premiums by Medicaid. Although the poor elderly spend a lower dollar amount on out-of-pocket medical expenses than higher income elderly, that spending con- stitutes a much larger share of the overall income of the poor. Health expenditures for acute care services and premiums by the elderly represent one-third of the family income of poor elderly people com- pared with 16 percent for non-poor elderly families (Figure 8). To provide assistance with cost sharing and additional protection, most elderly people have private insurance and/or Med- icaid coverage to supplement their Medi- care coverage (Figure 9). In 1992, 81 per- cent of Medicare's elderly beneficiaries had private supplemental insurance, often called medigap insurance, in addition to Medicare. An additional 9 percent of eld- erly beneficiaries received assistance from Medicaid because of their low incomes. However, 10 percent of Medicare beneficia- ries had neither Medicaid nor private in- surance to supplement Medicare. For these Medicare-only beneficiaries, any ex- penses uncovered by Medicare are out-of- pocket liabilities. The pattern of insurance coverage varies significantly by income. Private insurance to complement Medicare is most common among the elderly non-poor population and less extensive as a form of financing for those with lower incomes (Figure 10). Among the elderly poor, over one-third (36 percent) have Medicaid supplementary coverage, 46 percent have private medigap policies, and 18 percent rely solely on Medicare. For the near-poor elderly, pri- vate insurance coverage is more extensive, with 64 percent privately insured. Among the near-poor elderly, 15 percent have

Does Medicare cover home health?

The hospital in- surance (Part A) component provides fairly extensive coverage of short-term hos- pital care and some coverage of post acute skilled nursing facility and home health services. The supplementary medical in- surance (Part B) component of Medicare covers physician care and related ambula- tory services and home health visits. Medi- care requires beneficiaries to pay a pre- mium for coverage under Part B, a deductible for hospital care under Part A, and a deductible and 20 percent coinsur- ance for most physician and ambulatory care services under Part B (Table 1). For many elderly people, Medicare thus provides essential, but incomplete, protec- tion against medical expenses. In addition to the required premiums and cost shar- ing, Medicare's benefit package does not cover the full range of health services needed by many elderly people. Particu- larly absent from the Medicare benefit package is coverage of outpatient prescrip- tion drugs, vision care, and dental serv- ices. In addition, Medicare does not cover chronic LTC needs, most notably nursing home care for the disabled elderly (Feder and Lambrew, 1996). Out-of-pocket spending on acute care medical services and insurance premiums for both Medicare and private supplemen- tal policies are significant expenses in the budgets of elderly Americans (Moon and Mulvey, 1996). The average dollar amount of out-of-pocket spending increases with in- come, averaging $1495 in 1994 for non- poor elderly and $913 for poor elderly people (Figure 7). The lower level of spending by low-income elderly people

Does medicaid cover elderly?

important source of health care financing. Medicaid will pay the Medicare Part B pre- mium for Medicare beneficiaries with in- comes below 120 percent of FPL plus the Medicare cost sharing for those with in- comes below FPL. Elderly cash assistance recipients and others covered at State op- tion can also receive additional benefits from Medicaid to supplement Medicare, including prescription drugs and LTC coverage. In recent years, Medicaid coverage of the elderly has been expanded consider- ably to assist low-income Medicare benefi- ciaries with the growing cost of Medicare premiums and cost-sharing. Most notably, as part of the Medicare Catastrophic Cov- erage Act of 1988, States were required by July 1992 to provide Medicaid assistance with the Part B premium and Medicare cost-sharing to all elderly individuals and couples with incomes below FPL and as- sets of less than $4,000 for individuals and $6,000 for couples. The individuals covered under this provision are referred to as Qualified Medicare Beneficiaries (QMBs). The act also required States to phase in by 1995 assistance with Medicare's Part B premium to individuals with incomes be- tween 100 and 120 percent of FPL. For this group, known as Specified Low-Income Medicare Beneficiaries (SLMBs), assis- tance is limited to the premium payments. States are not required to provide either group with wrap-around benefits to supplement Medicare. The over 4 million low-income elderly people on Medicaid qualify for assistance by various routes, as shown in Figure 11. Over one-half of the elderly with Medicaid coverage obtain eligibility as "categorically needy" because they are recipients of cash assistance or eligible for assistance under the Supplemental Security Income pro- gram. Other individuals are covered at the option of the State as "medically needy"

How many people are satisfied with Medicare?

Although about three-quarters of Medicare beneficiaries are satisfied with their coverage, 1  not everyone in this age group wants to receive Medicare. Some individuals feel like they are being forced into Medicare at the age of 65 against their personal wishes.

How long do you have to work to get Medicare?

If you or your spouse worked for at least 10 years in a job where Medicare taxes were withheld (including self-employment where you paid your own self-employment taxes), you'll become automatically eligible for Medicare once you turn 65. Recent immigrants are not eligible for Medicare, but once they've been legal permanent residents ...

What are the other parts of Medicare?

That includes Medicare Part B (outpatient coverage) and Part D (prescription coverage), as well as supplemental Medigap plans.

How much will Medicare pay in 2020?

In 2020, most Medicare Part B enrollees pay $144.60/month. 7  So a person who is now enrolled but had delayed their enrollment in Medicare Part B by 40 months would be paying an extra 30% in addition to those premiums (40 months is three full 12-month periods; the extra four months aren't counted).

What happens if you delay your Medicare enrollment?

So if you delay your enrollment, you could be paying higher premiums when you eventually do enroll, and you'll have to wait until an open enrollment period in order to have access to coverage. If you're only enrolled in Part A, for example, and you get diagnosed with a serious illness in April, you'll have to wait until the following January to have Part D coverage, and until the following July—more than a year in the future—to have Part B coverage.

How much would Medicare pay if you delayed enrollment?

So a person who delayed Medicare Part D enrollment by 27 months would be paying an extra $8.84/month (27% of $32.74) , on top of their Part D plan's monthly premium in 2020. A person who had delayed their Part D enrollment by 52 months would be paying an extra $17.02/month.

How long do you have to pay Medicare premiums?

6  So if you were eligible for Medicare for three years before enrolling, you'd have to pay the extra Part A premiums for six years.

When is Medicare open enrollment?

Make sure your loved one’s Medicare coverage still meets their needs. Medicare Open Enrollment is from now until December 7 , and it’s important to take a few minutes to review coverage and pick a plan that works for your loved one.

How many hours of care do you get per week for a family caregiver?

Family caregivers provide an average of 24 hours of care per week. When you’re a caregiver, it can be hard to care for yourself. November is National Family Caregiver Month—a perfect opportunity to reach out for caregiver support if you’re caring for someone with Medicare.

What is assessment of the patient?

an assessment of the patient’s physical function, including the patient’s activities of daily living , and whether or not the patient has had a fall in the last 3 months; an assessment of the patient’s psychological function, including the patient’s cognition and mood; and. an assessment of the patient’s social function, ...

Who can do information collection?

The information collection component of the assessment can be undertaken by a suitably qualified third party, such as a practice nurse or Aboriginal and Torres Strait Islander health practitioner, providing the person is acting under the supervision of the medical practitioner and it is done in accordance with accepted medical practice.

How often is Medicare rebate payable?

Restrictions on providing the health assessment for people aged 75 years and older. A Medicare rebate is payable once within any twelve month period for each eligible patient. The rebate is not payable in conjunction with another consultation on the same day, except where it is clinically required (ie.

Where can a health assessment take place?

A health assessment for a person aged 75 years and older can take place in the patient’s home or in the doctor’s consulting rooms. The health assessment is not available to admitted patients of a hospital or day-hospital facility.

What is a medical practitioner?

A medical practitioner must undertake the medical components of the health assessment including a personal attendance with the patient. The medical practitioner is also responsible for making clinical judgements on the matters listed in the requirements for the health assessment and for communicating the outcomes of the assessment and any recommendations to the patient .

The Proper Terms For Older Adults

Practicing Patience with Medicare Clients

Avoiding Elderspeak

• One major offense an agent can make when talking to older Medicare clients is falling into elderspeak. This is the tendency to use patronizing language or simplified words when talking to seniors or addressing them with names like, “sweetie” or “dear.” If you find yourself using a high-pitched voice, you might be using elderspeak. Many seniors main...

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