{"id":1116,"date":"2012-10-01T06:37:11","date_gmt":"2012-10-01T06:37:11","guid":{"rendered":"http:\/\/mrms-inc.com\/?p=1116"},"modified":"2021-11-05T01:55:05","modified_gmt":"2021-11-05T01:55:05","slug":"the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2","status":"publish","type":"post","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/","title":{"rendered":"The Sandwich Generation: Piecing Together The Medicare Plan Puzzle (Part 2)"},"content":{"rendered":"
\n
\n

Helping Mom and Dad with their Medicare Questions<\/h1>\n

It seems like every other commercial on TV is about Medicare. Then on a visit to mom and dad\u2019s you see a stack of Medicare papers on their kitchen table. Dad says all of the insurance information is very confusing and he would like your help. Life today is active, especially for women aged 45 \u2014 56 who care for both their parents and children. These people are caught in the \u201csandwich generation\u201d and these columns are focused on issues affecting you.<\/p>\n

The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 – 12\/7; yearly when people can change plans. It is important to know this (AEP) is when insurance companies announce the changes in their plans for the following year. Drugs covered this year may not be on next year\u2019s formulary. Doctors and other providers may have changed networks and not be included in your plan\u2019s network next year. The plan\u2019s co-insurance amount can also change; meaning more out-of-pocket expenses for your parents. This applies mostly to Medicare Advantage Plans (MAs) and\/or Medicare Prescription Plans (PDP).<\/p>\n

The other major type of plan available is Original Medicare (OM) where most people also buy a Medicare Supplement. Medicare Supplements will adjust their benefits to cover the yearly increased Medicare co-pays. They usually also increase their premium at this time.<\/p>\n

Both OM and MAs have their advantages, but in 2013, two interesting niche MA plans will be available in Central Illinois. The background is that Medicare is monitoring hospitals for quality and re-admissions 30 days from discharge. In the near future, someone hospitalized with a heart condition (congestive heart failure \u2014 CHF), COPD, or diabetes may receive a phone call from the hospital checking to see if the patient is managing their condition, or if they have questions or need additional help (to keep from being re-admitted).<\/p>\n

To mirror this Medicare monitoring, at least one MA is offering a chronic disease plan. Personnel from this plan will monitor clients with CHF, COPD, and diabetes by phone and may also send a physician’s assist or doctor to see these people as needed. The concept is to manage these conditions better, provide a better quality of life, and have fewer hospital stays.<\/p>\n

Another interesting type of plan is for people who have both Medicare and Medicaid. These plans may offer benefits for hearing, vision, and dental services not covered by OM. In certain situations, these plans work well in providing additional benefits that help people with a limited budget after their Medicaid spend-down.<\/p>\n<\/div>\n<\/div>\n

\n
\n

More information can be found at www.medicare.gov<\/a> or www.MRMS-INC.com<\/a>. Talk with qualified insurance agents. Their help can be invaluable and you will pay the same premium if you enroll online, but you have the agent\u2019s future help.<\/p>\n

Helping mom and dad and caring for your children simultaneously is not easy. It is very helpful to discuss and plan for reasonable future events, and a sandwich generationer should guide their parent through these issues including the primary issue of safety while being careful not to take all control away from a parent. Once again, it is important to start talking, making suggestions, and guiding early, do not wait for a crisis. If you would like a list of \u201cquestions to ask in different aspects of care\u201d see our website and look under the \u201cPatient Advocacy Division\u201d.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Helping Mom and Dad with their Medicare Questions It seems like every other commercial on TV is about Medicare. Then on a visit to mom and dad\u2019s you see a stack of Medicare papers on their kitchen table. Dad says all of the insurance information is very confusing and he would like your help. Life […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[28],"tags":[],"class_list":["post-1116","post","type-post","status-publish","format-standard","hentry","category-sandwich-generation"],"yoast_head":"\nPiecing Together The Medicare Plan Puzzle (Part 2)<\/title>\n<meta name=\"description\" content=\"The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 - 12\/7; yearly when people can change plans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Piecing Together The Medicare Plan Puzzle (Part 2)\" \/>\n<meta property=\"og:description\" content=\"The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 - 12\/7; yearly when people can change plans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Living By Your Design, Inc\" \/>\n<meta property=\"article:published_time\" content=\"2012-10-01T06:37:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-11-05T01:55:05+00:00\" \/>\n<meta name=\"author\" content=\"StrategyPlus\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"StrategyPlus\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\"},\"author\":{\"name\":\"StrategyPlus\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/person\/e38ba55307916179ee36fb9d6a8d950e\"},\"headline\":\"The Sandwich Generation: Piecing Together The Medicare Plan Puzzle (Part 2)\",\"datePublished\":\"2012-10-01T06:37:11+00:00\",\"dateModified\":\"2021-11-05T01:55:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\"},\"wordCount\":580,\"publisher\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#organization\"},\"articleSection\":[\"Sandwich Generation\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\",\"url\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\",\"name\":\"Piecing Together The Medicare Plan Puzzle (Part 2)\",\"isPartOf\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#website\"},\"datePublished\":\"2012-10-01T06:37:11+00:00\",\"dateModified\":\"2021-11-05T01:55:05+00:00\",\"description\":\"The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 - 12\/7; yearly when people can change plans.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.livingbyyourdesigninc.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Sandwich Generation: Piecing Together The Medicare Plan Puzzle (Part 2)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#website\",\"url\":\"https:\/\/www.livingbyyourdesigninc.com\/\",\"name\":\"Living By Your Design, Inc\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.livingbyyourdesigninc.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#organization\",\"name\":\"Living By Your Design, Inc\",\"url\":\"https:\/\/www.livingbyyourdesigninc.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/11\/cropped-logo-background.png\",\"contentUrl\":\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/11\/cropped-logo-background.png\",\"width\":414,\"height\":138,\"caption\":\"Living By Your Design, Inc\"},\"image\":{\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/person\/e38ba55307916179ee36fb9d6a8d950e\",\"name\":\"StrategyPlus\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ecbbfc6cef94d0a26fc49ef52c477d4b2e54e3639f8653d835a0d93397af65c0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ecbbfc6cef94d0a26fc49ef52c477d4b2e54e3639f8653d835a0d93397af65c0?s=96&d=mm&r=g\",\"caption\":\"StrategyPlus\"},\"url\":\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/author\/strategyplus\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Piecing Together The Medicare Plan Puzzle (Part 2)","description":"The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 - 12\/7; yearly when people can change plans.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/","og_locale":"en_US","og_type":"article","og_title":"Piecing Together The Medicare Plan Puzzle (Part 2)","og_description":"The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 - 12\/7; yearly when people can change plans.","og_url":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/","og_site_name":"Living By Your Design, Inc","article_published_time":"2012-10-01T06:37:11+00:00","article_modified_time":"2021-11-05T01:55:05+00:00","author":"StrategyPlus","twitter_card":"summary_large_image","twitter_misc":{"Written by":"StrategyPlus","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/#article","isPartOf":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/"},"author":{"name":"StrategyPlus","@id":"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/person\/e38ba55307916179ee36fb9d6a8d950e"},"headline":"The Sandwich Generation: Piecing Together The Medicare Plan Puzzle (Part 2)","datePublished":"2012-10-01T06:37:11+00:00","dateModified":"2021-11-05T01:55:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/"},"wordCount":580,"publisher":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/#organization"},"articleSection":["Sandwich Generation"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/","url":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/","name":"Piecing Together The Medicare Plan Puzzle (Part 2)","isPartOf":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/#website"},"datePublished":"2012-10-01T06:37:11+00:00","dateModified":"2021-11-05T01:55:05+00:00","description":"The Medicare Plan choices can be confusing, especially during the Annual Enrollment Period from 10\/15 - 12\/7; yearly when people can change plans.","breadcrumb":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2012\/10\/01\/the-sandwich-generation-piecing-together-the-medicare-plan-puzzle-part-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.livingbyyourdesigninc.com\/"},{"@type":"ListItem","position":2,"name":"The Sandwich Generation: Piecing Together The Medicare Plan Puzzle (Part 2)"}]},{"@type":"WebSite","@id":"https:\/\/www.livingbyyourdesigninc.com\/#website","url":"https:\/\/www.livingbyyourdesigninc.com\/","name":"Living By Your Design, Inc","description":"","publisher":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.livingbyyourdesigninc.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.livingbyyourdesigninc.com\/#organization","name":"Living By Your Design, Inc","url":"https:\/\/www.livingbyyourdesigninc.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/11\/cropped-logo-background.png","contentUrl":"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/11\/cropped-logo-background.png","width":414,"height":138,"caption":"Living By Your Design, Inc"},"image":{"@id":"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/person\/e38ba55307916179ee36fb9d6a8d950e","name":"StrategyPlus","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.livingbyyourdesigninc.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ecbbfc6cef94d0a26fc49ef52c477d4b2e54e3639f8653d835a0d93397af65c0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ecbbfc6cef94d0a26fc49ef52c477d4b2e54e3639f8653d835a0d93397af65c0?s=96&d=mm&r=g","caption":"StrategyPlus"},"url":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/author\/strategyplus\/"}]}},"_links":{"self":[{"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/posts\/1116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/comments?post=1116"}],"version-history":[{"count":2,"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/posts\/1116\/revisions"}],"predecessor-version":[{"id":18023,"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/posts\/1116\/revisions\/18023"}],"wp:attachment":[{"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/media?parent=1116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/categories?post=1116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/wp-json\/wp\/v2\/tags?post=1116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}