What's a Health Care Proxy and Why Do I Need One?
If you become incapacitated, who will make your medical decisions? Health care proxies and medical power of attorneys allow?y...
Read moreMore than 70 percent of adults in the U.S. report being dissatisfied with the health care system, according to TIME Magazine. Navigating the medical services network can be stressful and overwhelming, particularly for older adults facing increasingly complex health needs.
The American Psychological Association reports that distress is common following a diagnosis. Those experiencing additional stressful life events or who have a history of depression have even higher levels of distress.
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Often, responding to a diagnosis or managing a chronic condition involves coordinating care with multiple providers and working with insurance companies.
Patients should always be prepared to advocate for themselves. Self-advocacy can include:
These tasks can be challenging for individuals facing the stress of a new diagnosis or handling a chronic condition. Some illnesses, such as dementia, may affect a patient’s ability to self-advocate.
When someone struggles to assert their needs or feels confused by the health care system, patient advocates can provide crucial support. Championing the patient’s best interests, a patient or health care advocate works to ensure that the patient receives appropriate care.
A family member, a close friend, or a hired professional can fill the role of a patient advocate. Generally, there is no formal licensing for health care advocates. Still, hired advocates may have backgrounds as health care providers, social workers, nurses, or professionals in related fields. Many hospitals have on-staff patient advocates.
Health care advocates can help with tasks that may be challenging for someone facing a severe illness. This might include coordinating care, completing paperwork, and filing insurance claims.
An advocate can guide you throughout the health care process. Before an appointment, a patient advocate may assist with completing paperwork and verifying insurance coverage. Working with the patient, the advocate can help come up with a list of questions for the provider.
When attending appointments, the advocate may listen to the physician, ask questions, and take notes for later review with the patient. After the appointment, the advocate can help the patient understand the doctor’s instructions and manage treatment.
In some cases, a patient advocate can also help identify clinical research opportunities and assist with evaluating whether to take an experimental medication or participate in a research study. Some researchers provide patient advocates as part of the study.
While a family member or friend can be a patient advocate, sometimes, no one is available to help. If you have no one to advocate for you, you can find help through your hospital or by researching advocates online.
To find a professional patient advocate, contact your hospital and ask if there is an advocate on staff. VA health facilities have advocates on staff as well. You may also want to visit the Patient Advocate Foundation website. This nonprofit provides case management services that help patients access and afford health care services.
When looking for a patient advocate, be cautious of scammers. Be wary of people who seem to be making unrealistic promises or pressuring you.
While patient advocates can help with the basic tasks of navigating the health care system, an attorney can assist with specific legal issues.
For example, a qualified local attorney may be able to assist by handling communications with a private insurance company or Medicare. Elder law and estate planning attorneys can also help you create an estate plan, which includes planning health care decisions. If your health care provider makes a mistake in your care, an attorney can work to protect your rights.
Having an attorney, in addition to a patient advocate, can provide an extra layer of support and protection. Find an attorney near you today.
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MORELearn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MORE