Older adults can follow a few simple tips to avoid uncovered expenses in the upcoming year.
With Medicare open enrollment beginning Oct. 15, now is the time to start preparing for future health care needs.
Frank Nelson, program manager at the Central Coast Health Insurance Counseling and Advocacy Program, regularly educates Medicare beneficiaries about the importance of open enrollment. He urges seniors to use this period to reevaluate their Medicare Part D coverage and make the most of their policies.
In an interview with MySilverAge.com, Nelson said many beneficiaries feel overwhelmed or have questions about their plans: “It can be a complicated maze. There are a lot of ways you can get tangled up in the nuances.” To avoid the headaches that often come with health insurance, Nelson advises seniors to:
- Check changes to Medicare Part D. Part D plans should be specific to an individual’s medication needs. Seniors will need to make sure their prescriptions are still covered each year during open enrollment.
- Request local pharmacy pricing. Open enrollment is a good time to check pricing of prescriptions, as each pharmacy can differ.
- Purchase a supplemental policy. Older adults might consider Medigap to cover health care costs that aren’t already covered by Medicare.
The steps outlined in this checklist help readers successfully navigate the complexities of Medicare open enrollment and stay on top of their health care plans. Read the full checklist here: http://www.mysilverage.com/medicarechecklist.
MySilverAge is a website and online resource center, brought to you by be.group, that is designed to help seniors enjoy “what’s next.” MySilverAge brings together thought leaders on the subject of successful aging, leading intelligence on healthy aging and senior living, and expert tips and advice for creating the home, community and relationships in which seniors can thrive.
As one of California’s largest nonprofit providers of senior living communities, be.group is committed to creating communities and services that make the lives of older adults more fulfilling. be.group’s dedicated, well-trained staff is devoted to helping its residents and clients discover new ways to embrace life’s possibilities and new options for exploring their potential. Follow @begroupliving on Twitter.
Depression is a medical condition that is characterized by feeling down, depressed, or hopeless; low self-esteem; and loss of interest in things one used to enjoy. Senior citizens are prone to life-altering changes that can lead one to feel depressed. Dealing with the trials life throws at us such as, loss, change, loneliness, or a chronic medical condition can be quite overwhelming. Still, depression is not a “normal” part of aging. Like heart disease or diabetes, depression is a medical condition and it can be treated with medication and therapy. Treatment is effective at alleviating symptoms within a few weeks in at least 80 percent of people.
It is important that senior citizens and those providing their elder care understand the symptoms of depression. If you think you or someone you know may be suffering from depression, identify your symptoms by using the checklist provided below. Then, if necessary, seek assistance. For senior citizens, the most frequently used resource is a family doctor. Bringing a trusted friend or relative may help ease any anxiety when going to an appointment. Understand that your doctor may suggest a checkup and begin treatment or refer you to a mental health specialist.
Before you say, “I’m okay”….
Do you feel:
- Anxious or “empty”
- Guilty or useless
- Agitated or irritable
- Less interested in things you used to enjoy
- Like no one loves you
- Life is not worth living
Or if you are:
- A change in sleeping habits
- A change in eating habits
- Persistent headaches, stomach aches, or pain
Remember that these may be real symptoms of a real medical condition that can be effectively treated. Talk to your doctor today. Though many senior citizens suffer from depression, feeling depressed is not a normal part of aging.
Health and Wellness tips
There are many measures senior citizens can take to help relieve the symptoms of depression. Those involved in the elder care of senior citizens experiencing depression should encourage the senior to follow these tips and improve their wellbeing.
Check your medications. Senior citizens often take many medications. Some medications, including those for sleep, blood pressure, and nervousness, may affect mood. Talk with your doctor about each of the medications you are taking. Be sure to include all over-the-counter medicines, vitamins, and herbal supplements to minimize the chances of having side effects.
Limit alcohol consumption. Alcohol use can bring about depression. And, when alcohol and drugs are combined, interactions that lead to depression can occur.
Stay connected. Sometimes, senior citizens find it more difficult to get out and stay connected with others. Still, talking with friends and family members, getting a pet, or even finding a new interest or hobby can help one through this tough time. Get involved in activities you take pleasure in, such as reading a good book, going to a ballgame or a taking a class in a subject that interests to you.
Be active. Physical activity can improve physical and mental wellbeing. Though some senior citizens believe they cannot exercise, there are activities like walking, gardening, or working out (even if one is in a wheelchair) that can be helpful. Make a goal of 30 minutes of activity 5 days a week. If you have not taken part in physical activity in a while, be sure to check with your doctor and get his OK before you begin.
Eat healthy and drink plenty of fluids. Choose healthy snacks like fruits, vegetables, yogurt, or nuts to increase your nutrition and energy. Also, try to eat well-balanced meals. Some senior citizens suffer from loss of appetite and weight loss; if you have experienced either of these, consult your doctor.
The Caring Space http://www.TheCaringSpace.com
David Crumrine at the Caring Space We are an organization that connects caregivers and care seekers, providing an easy and affordable resource for families seeking care for friends/loved ones and caregivers seeking employment.
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