Understanding The Difference Between Medicare And Medicaid

June

Though they sound similar in name, Medicare and Medicaid are two completely different
programs in almost every aspect. The differences between each are important and should be understood in order to know which one you qualify for and when you can start each program. To help with your planning process and to make things easier, we’ve outlined each program below as well as both their differences and similarities.

What Is Medicare

Essentially a federally run insurance program, Medicare is a trust fund that you have paid into during your working life. With each of your paychecks a little bit of money was allocated to Medicare. That money went into a fund that is used later to help you pay for medical bills. Those who can access the fund are people aged 62 and older as well as those who are younger and considered disabled. Dialysis patients also have access to Medicare money, no matter the age of the person. However, it is important to note that Medicare does not cover all medical expenses, leaving the patient in charge of covering the cost of hospital deductibles and other related small costs. Medicare is also pretty universal throughout the United States with little to no difference between states.

Another important aspect of Medicare is its coverage and plans. In total, there are three different plans- Part A, Part B and Part D. Part A covers hospital and post hospital charges as well as needed home health care. Part B covers doctor and lab fees and outpatient care. The last part, Part D, simply covers prescriptions drugs.

What Is Medicaid

Another federally run program, Medicaid serves as an assistance program for those with low incomes. Medicaid, unlike Medicare, is available to those of all ages and patients generally pay little or no part of the medical expenses. However, sometimes a small co-payment is required. Another thing to keep in mind is that Medicaid rules and guidelines do change state to state and is run primary by state and local governments under the watchful eye of the federal government. Even though this program is run locally, local governments still have to adhere to federal laws and regulations.

When looking at Medicaid, you’ll find that it covers basic health care costs that include hospital stays, doctor visits and the like. In addition, it can also cover odd expenses such as eyeglasses.

The Differences Between Medicare and Medicaid

When searching for the right coverage, you’ll find that both programs are widely different. Some of the more important differences include:

• Medicare is a federal program while Medicaid is both a federal and state program.
• Medicare provides coverage to those 62 or older or those with a severe disability while Medicaid provides health coverage to those with a very low income, no matter your age.
• Medicare doesn’t take into account what your income level is while Medicaid does.

The Similarities Between Medicare and Medicaid

Even though there each an entirely different program, there are still some notable similarities between the two:
• Both are Federal programs.
• Both were created in 1965.
• Both are social insurance programs.
• Both help finance medical expenses for those in need.

Again, it is important to understand that even with a few key similarities, each program stands on its own. Though you can use both programs, most people have one or the other.

Having Both Medicare and Medicaid Coverage

As mentioned above, most people use one program or the other, but that’s not always the case. There are instances where one will be eligible for both Medicare and Medicaid. When this happens, you’ll find that one program picks up where the other left off. For instance, Medicaid generally comes into play to help pay for long term care, an area that Medicare does not cover. Sometimes Medicaid will also cover some or all of Medicare’s out of pocket costs, which is very helpful for those with little income or retires with little savings.

At SearchSeniorLiving.com, we are dedicated to helping you and your family ease the search for just the right In-Home Care provider, community, product or service! For more information and to use our Search, Sort and Match ™ tool, please visit our website or call us at 877-243-8073.

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Planning for Retirement Benefits Workshop – Pleasant Hill

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Planning for Retirement Benefits Workshop
Pleasant Hill Senior Center Classrooms 1 & 2
233 Gregory Lane
Pleasant Hill CA 94523

Wednesday, June 22 from 2-4 pm
RSVP at Front Desk or 798-8788

For  More Information, ” Click Here

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Taste of the Vine: Thirsty Friday – Pleasant Hill

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Enjoy margarita on the rocks or a glass of wine with your friends! Appetizers will be served. *Sponsored by Carlton Senior Living

For More Information, ” Click Here”

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What is Virtual Reality and Why Should You Care? – The Lake Merritt – Oakland

What is Virtual Reality and Why Should You Care?
Presented by Linda Jacobson

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The Lake Merritt – Oakland

The  presentation on Virtual Reality will teach you how to try  Google Cardboard and learn the uses of Virtual Reality that includes anxiety and pain.

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Free Living Trust Seminar – Los Gatos

Living Trust SeminarFree Living Trust Seminar – Los Gatos
Do you want to learn more about “Benefits of Proper Estate Planning?”

Roy W. Litherland presents –  Free Living Trust Seminar – Los Gatos.

For more information , “Click Here”

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Conversations on The Lake

The Lake Merritt – Oakland

May 26th @ 3:30pmLake
Conversations on The Lake
Everybody Needs A Place
Presented by St. Mary’s Center and Rodney Bell

St. Mary’s Center, a community of hope, justice, and healing serves at-risk seniors and preschoolers in the heart of Oakland. Their services particularly address the needs of seniors who are homeless or at-risk. St. Mary’s Center’s staff Susan Werner and Aleta Manual will identify conditions in their society that contribute to homelessness. They will discuss St. Mary’s Center’s services and advocacy to end homelessness. Musician and artist Rodney Bell, a former resident of St. Mary’s Winter Shelter, uplifts St. Mary’s community through his music and art that portrays first-hand experiences of homelessness. Rodney will speak about his journey from homelessness to being housed and what benefits people who are homeless.

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Talking To Grandchildren About Their Grandparent’s Alzheimer’s

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Alzheimer’s doesn’t just affect those that have the disease. Most often, its effect is troubling and leaves a lasting impression on the entire family, including the youngest members. Due to the complexity of the disease and the wide range of intensity from person to person, it is, often, difficult for family members and friends to talk about it. Even though this is the case, Alzheimer’s is something that needs to be discussed in order to fully understand not only the disease itself but how to handle it.

Once the adults, usually the adult children, have mastered talking about Alzheimer themselves, it’s time to turn one’s attention to the children. Though the conservation is about something difficult, there are still ways to discuss it with the younger individuals in the household without confusing them or adding stress to their young lives. Because it is very important that all family members understand the disease as much as possible, we’ve complied a short summary on how to talk to grandchildren about their grandparent’s Alzheimer.

The Introduction

Most children, even those in high school, will have not heard of Alzheimer’s before. Because of this, you’ll want to ease into the conversation. But before starting the conversation, first choose a calm and private place to have the talk. A good place might be the kitchen table or the living room couch. The goal is to introduce the subject in a room that the child feels comfortable in. Some might feel that the child’s bedroom is a good place to discuss this. Although you might want to leave their room as a place for them to go to after the conservation if they want some space to digest what they have just learned.

After you have chosen where to talk, it’s now time to introduce the definition of Alzheimer’s. Generally people define Alzheimer’s as the degradation of the mind that causes memory loss. Depending on how old the child is, you’ll want to change the definition so that it’s easy for them to understand. If you’re talking to a young child, it’s best to leave medical terms out of the discussion and instead use vocabulary that is easy for them to comprehend. Once the child understands what Alzheimer’s is, then it’s time to tell them about who has it. This part may be very difficult for you and you may want to get through it quickly, but it is necessary to go as slow as the child needs.

Reactions and associated feelings

Depending on how close the child is to the person affected with Alzheimer’s, you’ll find their reaction may or may not be what you expected. Some might take the news very well, while others may seem confused or not want to believe you. This all depends on how much of the Alzheimer’s they’ve seen directly and how they handle bad news in general. Reactions also depend on the age of the child. Typical reactions include:

• Sad and confused
• Worried that parents will get the same disease
• Frustrated
• Embarrassed

Again, these reactions are dependent on a number of factors including age, closeness to person affected and how they react to other negative situations. The key is to stay calm throughout the conversation and try your best to answer any and all questions they have. It’s also helpful to give them space when they ask for it. Sometimes children do better when they’re able to go into their room and think about what they’ve just been told before coming back out to you to ask questions.

Outside help

If you’re concerned about talking about Alzheimer’s, there are resources available to help. If you go online, you can find videos, worksheets, books and other printed resources that have been developed with this conversation in mind. Even though this is a conversation that you may want to put off, it’s important to realize that the sooner you tell the children in the family, the more opportunities they will have to understand it and ask any questions they might have. The last thing that you want to do is keep them out of the loop. This will likely lead to confusion and/or upset them, especially if they are witnessing the effects of Alzheimer’s firsthand.

At SearchSeniorLiving.com, we are dedicated to helping you and your family ease the search for just the right In-Home Care provider, community, product or service! For more information and to use our Search, Sort and Match ™ tool, please visit our website or call us at 877-243-8073.

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Inside the Sgt. Pepper’s Sessions – Part 2 – The Lake Merritt – Oakland

May 7th @ 2:00pm
Conversations on The LakeSgt._Pepper's_Lonely_Hearts_Club_Band

The Lake Merritt – Oakland

Inside the Sgt. Pepper’s Sessions – Part 2
Presented by Ryan Wilcox

“It was the record of that time, and it probably did change the face of recording, but they didn’t do it consciously…We decided to go into another kind of art form… putting something down on tape that could only be done on tape.” – George Martin.

Sgt. Pepper’s was a pivotal album in both the Beatles’ career and in the history of rock and pop music. It turned the Fab Four into spokesmen for a generation and an era of radical cultural change. Take a trip inside the wildly creative world of the Beatles as they redefined record making. they’ll try to get close to the heart of the album as they listen to and discuss some classic tracks, and they’ll pay homage to the late George Martin, the “Fifth Beatle.”Kate Mayott

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WRC-ALCA 26TH ANNUAL CONFERENCE – Monterey

WRC-ALCA 26TH ANNUAL CONFERENCEALCA_WRChapter_ConferenceLogo_2016
SAVE THE DATES
October 20-22, 2016

Hyatt Regency Monterey
Room Rate: $189 plus 11.6% tax & $2.45 per night
Resort Fee Waived

Monterey County has an extraordinary moment for everyone. With natural beauty known around the world, Monterey County is an iconic, bucket-list destination that builds event attendance every time. Monterey provides a relaxing, un-harried, upscale resort-like ambiance in which a group can feel special without the expensive price tag. While the area is known for golf and wine, it offers access to a diverse and appealing set of other activities. It is the quintessential Central Coast of California experience – multidimensional and not solely focused on one destination asset.

 

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31st Annual Marin Senior Information Fair – San Rafael

The Marin Senior Information FairMarin
Visitor Information

THE 2016 MARIN SENIOR INFORMATION FAIR invites you to be Curiouser and Curiouser: at “Steppin’ Thru the Looking Glass!”
Don’t be late for this very important date!
Join us for a fantastic event— a “Steppin’ Thru the Looking Glass!” Wednesday, October 26, 2016. You never know who you might meet as you wander around Dormouse Alley, visit the Mad Hatter’s Stage, step into the Red Queen Room, or grab a tasty bite at the ‘Eat Me, Drink Me’ Cafe. The Fair is open for your enjoyment and participation, from 9 AM to 3 PM, Marin Exhibit Hall, 10 Avenue of The Flags, in San Rafael.

ADMISSION IS FREE.

They are planning a day that celebrates life, whimsy, adventures, and fun.Visit a dizzying 135+ cleverly decorated booths based on the Thru the Looking Glass theme, enjoy all day live entertainment on the Main Stage and around the Fair. Look for activities. Enjoy interactive games. Try out the dance floor.

The Marin Senior Information Fair is the place to be. Fair booths present pertinent lifestyle information from A to Z, of interest and concern to older adults, their families, and those planning their retirements. They offer the most comprehensive collection of providers, professionals, and helpful presenters in Northern California.

GET INSPIRED

Come celebrate your power, your imagination, and your life, at the 2016 Marin Senior Information Fair. Socialize, investigate, share your opinions, explore new resources and opportunities.

EXPLORE YOUR INTERESTS & PASSIONS.
Discover all the possibilities available to you.

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FITNESS CONSULTS
TRAVEL OPPORTUNITIES
SMART INTERNET & COMPUTER USE
EDUCATIONAL POSSIBILITIES
VOLUNTEER OPPORTUNITIES
HOUSING INFORMATION
DRUG INTERACTION FACTS
FREE HEALTH TESTS & SCREENINGS AROUND THE FAIR
EXPANDED WELLNESS HEADQUARTERS offering flu vaccinations, balance and stroke education, and more. Courtesy of Sutter Care At Home
PURSUE YOUR INTERESTS, LEARN ABOUT CLUBS
EXPLORE IN HOME CARE
HEALTH SERVICES
ADD TO YOUR KNOWLEDGE OF HEALING MODALITIES, & NUTRITIONAL INFORMATION
CHECK OUT LEGAL SERVICES
PERUSE 1000’S OF FREE BOOKS – YOURS FOR THE TAKING
VISIT OUR CRITTERS
DISCOVER A VARIETY OF NON PROFIT ORGANIZATIONS FOCUSED ON SENIOR HEALTH INDEPENDENCE, & MORE
MEET AUTHORS
SHOP FOR COLORFUL HANDMADE & VINTAGE ITEMS
ENJOY ALL DAY MUSIC – DANCING – SINGING
WIN SOME FABULOUS PRIZES
INVESTIGATE RETIREMENT PLANNING OPTIONS
ASK ABOUT SOCIAL SECURITY, MEDICARE, MEDICAID
CHECK OUT PHYSICAL THERAPY AND MASSAGE
GET INFORMATION ABOUT HEALTH PLANS, MEDICAL EQUIPMENT, HOSPICES
DISCUSS FINANCE & ESTATE PLANNING
FIND OUT ABOUT REAL ESTATE
REGISTER TO VOTE
EXPLORE TRANSPORTATION AROUND THE NORTH BAY
A VARIETY OF HANDS-ON ACTIVITY CENTERS
QUILTING DEMONSTRATIONS • QUILT ART
WATERCOLOR ART SHOW – PHOTOGRAPHIC DISPLAYS
HELP WITH YOUR SMART PHONE
CHIROPRACTIC EVALUATIONS
FOOD TASTING
AND MORE!
ENTERTAINMENT IS AN ALL DAY AFFAIR

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From the morning FILM presentation to afternoon ballroom dancing with Starduster Orchestra, and a line-up of performing artists, including, Lovin’ Harmony, Ukulele Jamboree and other live performances that will have you singing, tapping your feet, and dancing to the beat. The Main Stage and Lobby Stage area offer all day lively and thoroughly enjoyable acts.

Strolling entertainers, prizes, awards, and stage entertainment go on all day throughout the Fair.
KRON TV and KCBS Radio broadcaster Jan Wahl, our own “Mad Hatter” emcees the Main Stage and awards prizes to many lucky Fairgoers.

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