护理技巧 | 蓝十字 and Blue Shield of New Mexico-现金赌场娱乐充值

This page may have documents that can’t be read by screen reader software. For help with these documents, 请 call 1-.

护理技巧

你现在和很多人一样, caring for an older adult and perhaps being asked to make decisions you never expected. You need information, guidance and peace of mind. We understand what you're going through, and we're here to help.

If you have any questions about the Medicare options offered by 蓝十字 and Blue Shield of New Mexico, 请 现金赌场娱乐充值 to talk one-on-one about your unique situation.

首先要做什么

你的待办事项列表

You may need to address these items to decide which type of Medicare plan is right for them. If they are still working and planning to retire, have them ask their benefits administrator whether they're eligible for Medicare benefits and learn about their options.

开始

Gather records and information for the person you are helping.

法律记录

  • There are certain forms that need to be signed so you can be of assistance.
  • 为了健康保险的目的,一个 委任代表表格 需要填写.
  • Speak with a trusted advisor such as your lawyer or financial planner about helping with legal and money matters.

保险

  • Find out what health insurance and prescription drug coverage they have now and when it expires.
  • If they have been working, ask if a retiree plan is available.

收入和福利

  • Contact 社会保障 to confirm Medicare eligibility.
  • A close look at their finances will show the budget you will be working with. Look at earnings records including bank accounts, 养老金, 社会保障, 还有年金之类的退休账户. Also consider fixed monthly costs such as mortgage, utilities, and 保费.

Current health and prescription drug needs

  • 了解他们的医疗状况.
  • Will their prescription drug needs change in the future?

他们应该坚持自己的计划吗?

If they are currently enrolled in a Medicare plan, you will want to discuss if it's still the best plan or if they should switch to another plan. 使用这个图表来确认他们的决定.

Their plan may still meet their needs if any of these is true: Consider switching to another plan if any of these is true
They don’t currently take any prescription drugs. 他们需要更多的保险
They use the same prescription drugs as last year and they are still on the plan’s formulary 他们需要一个低成本的计划.
Their costs (保费, deductible, 元钱), while 不同的,仍然在他们的预算之内. Their current plan may not cover their prescription drugs next year.
If their current plan still meets their needs, don’t worry; they don’t need to do anything. Select a plan to meet their current needs.

If they decide to change plans, review the 入学时间 看看他们什么时候能做出改变.

Helping Someone Enroll in a Medicare Plan

遵循以下步骤:

把这些东西放在手边:

  • 他们的红白蓝医保卡.
  • Information about any other health insurance they may have.
  • Bank account information if they choose automatic payment (paper bill or 社会保障 deduction options also available).

确保他们 有资格申请网上现金赌场论坛 and that they live where the plan they are interested in is available. 看看计划选择.

Make sure the following meets their needs:

  • Medical coverage – find a plan that includes the right level of coverage to meet their health care needs.
  • If they are enrolling in a plan that includes prescription drug coverage, check the formulary to be sure their current medications are listed. 还记得, if they do not enroll in prescription drug coverage when first eligible, they may have to pay a late enrollment penalty down the road.
  • Financial considerations – plans have different benefits, 保费, 元钱, 共同保险和免赔额. Consider these costs and how they will impact their budget.

参加保险计划

登记在 一年中的特定时间.

照顾好自己

Caring for yourself-while caring for others-can be a challenge. Here are ways to avoid putting yourself last while being a caregiver or Medicare coach:

  • 给自己留点时间. It's okay to get together with friends or see the latest movie on your list.
  • 寻求帮助. You don't have to tackle all requests by yourself. If someone else offers to help with a task, take them up on the offer.
  • 与家人共度时光. Walking with your spouse or helping your child with homework lets them know you're there for them, 太.
  • 应对压力. Keeping workouts and meditation part of your routine will help keep you strong if demands are high.
  • 保持信息的更新. Completing these forms now can help with planning down the road.

We're on hand to answer your caregiver questions at any time.

帮我选择一个计划

不知道你需要什么? Answer a few questions to help you decide. 开始

Now that you’ve picked a plan, it’s time to enroll

有用的工具