Studies suggest that seniors are more likely to get addicted to prescription drugs than other age groups. More than 30% of people over the age of 65 take more than five prescription drugs each day. CBD is a natural, non-addictive alternative that can offer relief for conditions like Alzheimer’s, dementia, glaucoma, and arthritis.
What is CBD?
CBD (cannabidiol) is a natural compound that is found in the cannabis flower. Medicine has used this flower for thousands of years. In more recent years, CBD has been tested and confirmed by scientists around the world to ensure it is safe and non-addictive. CBD is closely related to tetrahydrocannabinol (THC), which is the compound that cannabis is most known for and provides the “high.” Both THC and CBD can provide therapeutic benefits, but unlike THC, CBD does not get you high and is completely legal in all fifty states.
Medicare and CBD Coverage
Medicare does not cover CBD because even though it is legal in all fifty states, it is not legal on a federal level. Cannabis is considered a Schedule I drug under the Federal Controlled Substances Act. These drugs are banned from receiving federal or state funding. The process to get approved can take years and requires extensive studies.
Unfortunately, Medicare Advantage and Medicare Supplement plans will not help cover the cost of CBD either. Even though they are sold through private insurance companies, they are still regulated through the federal government and the Centers for Medicare and Medicaid Services (CMS).
Is CBD Oil Covered by Medicare?
There are many different ways to take CBD. You can inhale, ingest, or apply it directly to your skin. Medicare does not cover any type of CBD, including oil.
If you’re looking for other ways to practice a healthy lifestyle, Medicare Advantage plans offer several additional benefits beyond Original Medicare, like hearing, dental, vision, non-emergency transportation, and group fitness programs like SilverSneakers®. One of our licensed agents can help you find a plan in your area. Click here to give us a call at 844-431-1832.
Health Benefits of CBD for Seniors
There are several health benefits of CBD for seniors. The most common include:
Pain Management: Nearly 85% of older adults suffer from chronic pain. Fortunately, CBD can help lower inflammation and reduce pain from conditions like arthritis, joint pain, and multiple sclerosis (MS).
Bone Health: As you age, you may develop a condition known as osteoporosis. This is when your bones lose vital minerals and become fragile and brittle. Alongside reducing inflammation, CBD can promote cell repair and even help strengthen your bones.
Improve Sleep: Sleep disorders like insomnia are more common as you age. To alleviate these issues, many seniors will turn to sleep medications. However, prolonged use can have negative impacts on your body. CBD can help combat stress, anxiety, and other imbalances in your body. This can lead to a better night’s sleep without the need for potentially harmful sleeping medications.
Addiction: Older adults are often prescribed several medications for various health conditions and illnesses. It’s easy to develop a dependency on your drugs, and some people may even get addicted. CBD can help alleviate the pain from several health conditions and combat the dependency you may have for your prescription medications. Plus, CBD can help alleviate the withdrawal and relapsing behaviors that can arise from certain drugs.
Heart Health: Heart disease is one of the most common conditions for older adults and is one of the top leading causes of death for Americans. Recent studies show CBD may be effective for lowering blood pressure and reducing cardiac inflammation. This can improve overall heart health and even act as a preventive measure against potential heart conditions down the road.
Mood: Mental health is increasingly important as we age. Seniors can easily feel disconnected, neglected, isolated, or lonely. CBD can interact with receptors to help alleviate stress, calm the mind, AND improve cognitive function.
Safe Ways to Take CBD
When you first start exploring CBD, it’s easy to get overwhelmed with the abundance of options. It’s important to understand the different ingestion methods available so you can find what works for you.
Inhalant: This should only be used for those who do not have throat or lung issues. Smoking CBD is not advised, but is still an option. You can purchase CBD flowers and smoke them like you would marijuana without the side effect of getting high. You can also purchase CBD-specific vape cartridges that can be used in vape pens. This allows you to inhale with vapor instead of smoke. This method allows the CBD to go directly in your bloodstream which can take effect faster than other methods. This is a popular choice for managing anxiety or insomnia.
Ingestible: There are several types of CBD products that can be taken orally. These include gummies, tinctures, gel gaps, pills, drinks, and chocolate. Ingesting CBD provides the same relief without the potentially harmful effects of inhaling smoke or vapor. The CBD will not enter your bloodstream as quickly, but it is easier to control dosage.
Topical: Topicals are a favorable method of CBD. You can apply it directly to a joint or area and reduce swelling and inflammation. This lowers the risk of potential reactions through inhaling or ingesting the product. Topical CBD balms, lotions, and oils are non-psychoactive, meaning you won’t get high.
Is CBD Addictive?
CBD is not addictive. Addictive substances will release dopamine into the brain, and the body can become dependent on that over time. CBD does not produce an excessive amount of dopamine, and since it can’t get you high there is no “euphoria” that is common in other opioids or nicotine. CBD helps balance the level of neurotransmitters in the brain, and there are no withdrawal symptoms if you stop using it.
How to Get CBD for Seniors
If you’re interested in purchasing CBD, you can purchase it online or at a dispensary. You do not need a doctor’s prescription to purchase CBD. If you choose to purchase online, be sure to do your research and read reviews.
CBD is a great alternative for several prescription drugs, but some of your medications simply cannot be replaced. If you have high out-of-pocket costs for your prescription drugs, you may benefit from a Part D plan. To learn about plans in your area click here or call us at 844-431-1832.
Holistic and Natural Healthcare with Medicare
CBD is considered a natural medicine. Unfortunately, Original Medicare does not cover any type of holistic or natural healthcare like acupuncture, chiropractic care, homeopathy, massage therapy, or naturopathy. Fortunately, some Medicare Advantage plans may cover some types of holistic care like acupuncture or massage therapy. However, this will vary by plan. If this benefit is important to you, our agents can help you find any available plans in your area. Click here or give us a call 844-431-1832.
Mother’s Day Health Tips to Share with Your Senior Mother
Your mother has dedicated her life to caring for you, and as she ages, it’s time for the roles to reverse. The best gift any mother could ask for is for her children to be wonderful, caring adults! As you plan to celebrate this Mother’s Day with your mother, consider giving the gift of your support throughout the rest of her life.
Healthy Ways to Celebrate Mother’s Day
Whether your mom is at home, in a living facility, or a hospital, you can still enjoy a beautiful Mother’s Day with her. If the weather is nice and she is able, take her for a walk! Sunshine strengthens the bones and the immune system and reduces stress while inducing feelings of happiness. You can also take her to a healthy brunch. Skip the sugary, syrupy pancakes and take your mom to a place where she can enjoy some fresh fruit with oatmeal or yogurt or opt for eggs and toast.
Top Women’s Health Concerns
Even if you don’t want to think about your mother’s aging and her health on Mother’s Day, think about selecting a day to discuss these topics with her. The top concerns that aging women face are:
Look for symptoms of these ailments in your mother, and educate her on what to look out for. Certain things, like breast swelling, brittle bones, muscle pain, and memory loss can be easy to spot. Depression is one of the ailments that is hardest to notice, especially when you don’t see a person often. Some people are really good at hiding their depression symptoms. When you don’t see your mother for a few weeks or even months, she might act like her normal self around you and then go home and sleep all day because she’s mentally exhausted. Keep your mother’s spirits up and help her fight depression by ensuring that she is engaging in hobbies and activities, keeping some sort of a social life, and keeping some sort of responsibility, like keeping a garden or a pet, or even just keeping the house clean.
Top Aging Women’s Health Tips
The best things your mother can do (and you, too!) as she ages are:
Eat healthy
Stay smart about medications
Manage existing health conditions
Get screened
Stay active
Eating healthy is always easier said than done as we are tempted by the snack aisle in the grocery store and the beautiful pastry display at Starbucks. Remind your mother to enjoy everything in moderation and keep superfoods like leafy greens, berries, and avocados in her diet.
Pay close attention to her doctor’s or pharmacist’s instructions regarding medications. Help your mother avoid being one of the statistics for senior opioid abuse. On the same token, make sure your mother is taking her medications and properly managing her preexisting health conditions. Help her out by purchasing vitamins and supplements that she can take, making sure she is comfortable at home, and watching her sugar intake.
Seniors are likely to avoid trips to the doctor because they don’t have an easy way to get there or they simply forget to book their yearly appointment. Some don’t want to pay for it – but guess what? Medicare covers one yearly wellness exam at no cost to the patient. This is a good time for your mother to ask questions and a good time for her doctor to perform or schedule screenings for common ailments. Those screenings are usually covered, too, so there’s no excuse!
Lastly, make sure your mother is regularly taking walks and engaging in household chores to stay active.
Get Support While you Take Care of Mom
Providing care for a loved one is no easy task, but you are not alone. Caregiver support groups throughout the country can answer your questions, give you advice, and allow you to interact with other caregivers just like you. Consider reaching out to the Family Caregiver Alliance, a group that has worked since the late ’70s to support people like you. You can also reach out to the Caregiver Action Network. They are located in D.C. and spend a lot of time advocating for caregiver rights and laws.
We’ve put together information on caregiver networks and some of our own advice for taking care of your loved ones, here. We specialize in Medicare plans, so if your mother or someone else you know needs help finding a plan, don’t hesitate to reach out to Medicare Plan Finder. We work with all of the major plans so there is no bias and you are never obligated to buy. If you are the “Power of Attorney” for your mother, we can speak directly to you about her healthcare plans.
We hope you enjoy a beautiful Mother’s Day this year and we hope to speak with you soon regarding your or your mother’s care.
Does Medicare Pay for Home Health Care?
Home health care is usually equally as effective as the care you would receive in a hospital or facility. If you have an injury or illness that prevents you from leaving your house, you’ll want to consider home health care.
Home health care coverage refers to not only in-home doctor visits and nurses, but also support for your family members who are taking care of you.
Medicare can cover the costs of your home nurse or doctor and can reimburse for caregiver services. However, if your relative is caring for you for the sake of saving money, it may be a good idea to take a look at what kind of coverage you might have for in-home doctors and nurses.
So, what does Medicare pay for home health care? The Original Medicare program covers hospital services under Part A, and it covers medical insurance needs such as doctor visits and limited home health care services under Part B.
Medicare Part C, or Medicare Advantage (MA) health insurance plans are from private insurers and can offer “extra” home healthcare benefits.
Medicare Home Care Benefits
Does Medicare Pay for Home Health Care? | Medicare Plan Finder
Over the past few years, home health care services have greatly expanded. More and more seniors prefer to receive the care they need at home instead of in a nursing home or other facility.
However, nursing homes and long-term care facilities can be more expensive than home health care, because home care eliminates the need for room and board.
Kaiser Health News reports that over six million American seniors require home care. That means that they need help with dressing, bathing, eating, and other daily activities. However, a basic Medicare plan may not provide enough coverage for home care.
Having a nurse or aide in your home can cost well over $40,000 per year. With long-term care insurance, you’ll pay a premium instead, and your yearly costs will total at just over $2,000.
You’ll need to determine how much coverage you need ($50 per day, $100 per day, etc.) and what you’ll be using it for. You can use a long-term care policy for anything from a full-time nurse to home modifications, like ramp installations.
What Medicare Covers
Medicare does pay for some home care services if leaving your house is a tremendously difficult process and you need assistance.
Parts A or B (Original Medicare) covers skilled nursing services on an inconsistent basis – at least one time every two months, but only up to once a day, and only for three weeks at a time.
“Skilled care” means that it has to be performed by a qualified health care professional, or at least under his or her supervision.
Medicare Parts A and/or B will also cover physical therapy for recovery from injuries or illnesses, occupational therapy to help you learn how to perform day-to-day tasks with or without tools, and social services for medical needs.
While Original Medicare will cover basic home care, additional services such as housekeeping and meal delivery fall under specific Medicare Advantage (Part C) plans.
Does Medicare Pay for Home Health Care by a Family Member?
Searching for Affordable Home Health Care | Medicare Plan Finder
Your doctor will probably recommend a home health care service to you if he doesn’t provide those services himself. Otherwise, Medicare has a Home Health Agency finder so you can locate the care you need in your area. When choosing an agency for yourself or for a loved one, make sure you’re asking the right questions, such as:
Are you Medicare (or Medicaid) certified?
Do you offer ____ service?
What are your hours and do they align with my needs?
Will you have emergency staff available on weekends and after hours?
Do you perform background checks on staff? Do you have credentials?
Will I have to pay anything out of pocket?
Once you’ve narrowed your choices down, you may want to inquire about an agency’s quality of care. Any home care agency who services Medicare clients and has serviced at least 20 patients will have a star rating.
Patient Care Star Ratings are based on patient health improvement and the outcome of home treatments and care.
How to Use Medicare’s Home Health Agency Finder
Click here to go to the Medicare Home Health Agency finder. Enter your zip code to search for home health agencies in your area and click “search.” We used 37209, which is the zip code for our corporate offices in Nashville, Tennessee.
Medicare Home Health Agency Finder Step 1 | Medicare Plan Finder
From there, you can filter search results by Medicare’s star rating and patient survey results. For demonstration purposes, we are only going to choose facilities with 5-star ratings.
Medicare Home Health Agency Finder Step 2 | Medicare Plan Finder
Once the agency finder returns your search results, click on the agencies you want to compare. In our case, the finder returned two results. In this instance, both Deaconess Homecare and Homecare Solutions are part of LHC Group Health Care, which has locations in 38 states. The agency’s proximity to your home may be a determining factor in your choice for home care.
Medicare Home Health Agency Finder Step 3 | Medicare Plan Finder
Then click “compare now.”
Medicare Home Health Agency Finder Step 4 | Medicare Plan Finder
Then the agency finder will show you comparison charts with general information, quality of patient care, and patient survey results. Use the comparison charts to help you make a decision about which home health agencies you want to contact.
Medicare Home Health Agency Finder Step 5 | Medicare Plan Finder Medicare Home Health Agency Finder Step 6 | Medicare Plan Finder Medicare Home Health Agency Finder Step 7 | Medicare Plan Finder
How Do I Qualify for Home Benefits?
To qualify for home benefits, a doctor will need to certify that you have a medical need. For example, your policy will not pay for your stair lift if you still can walk up the stairs on your own without too much difficulty.
As another example, if you only need a nurse to help you with something occasional, like blood transfusions, your policy will not pay for you to have a full-time live-in nurse.
Your doctor will have to meet you in person to determine that you are homebound and need skilled nursing care. After your initial certification, your doctor must recertify your home health care plan once every two months. A Medicare-certified home health agency (HHA) must provide the care.
When You Should Buy
Like other health insurance policies, you should buy a long-term care policy before you need it. Pre-existing conditions and your age can raise your premiums. If you buy while you’re still healthy, you’ll likely have lower costs. However, if you can’t afford the premium now, while you’re healthy, then it may be best to wait.
One of our licensed and experienced agents can help you figure out if a long-term policy is something you should buy now or wait for. If you think it’s time to buy now, we’ll help you find a great plan in your area.
This post was originally published on December 07, 2017, by Anastasia Iliou, and was updated on August 07, 2019, by Troy Frink.
The Shocking Truth: Does Medicare Cover Vision Care?
Nearly one in three older adults over the age of 65 suffer from some form of vision-reducing eye disease. These diseases include glaucoma, macular degeneration, cataracts, and diabetic retinopathy.
As you age, your risk for these diseases increases. However, Original Medicare does not include a comprehensive vision benefit. Understanding Medicare vision coverage allows you to protect your aging eyes and save money in the long run.
Does Medicare cover vision?
Does Medicare Cover Vision? | Medicare Plan Finder
Your vision is important, and we want to help you understand what Original Medicare (Part A and B) does and does not cover. If you have any additional questions, you can fill out this form, and a licensed agent will get back to you.
Does Medicare cover eye exams and glasses?
Generally, Medicare does not cover eye exams or glasses. This means that if you are only enrolled in Original Medicare (Part A and B) you will have to pay 100% of your costs, including the fees to have your frames fitted.
However, if you had cataract surgery to insert an intraocular lens, Medicare Part B may pay for corrective lenses. This can include a pair of glasses or contact lens, but you must get them through a Medicare supplier.
Medicare will cover the corrective lenses even if you had the cataract surgery before enrolling in Medicare. Plus, both lenses may be covered if you only had cataract surgery on one eye.
If your situation applies, you will pay 20% of the Medicare-approved costs after reaching your Part B deductible. If you want upgraded frames, you will be required to cover the additional cost.
Does Medicare cover eye care?
Routine eye exams, also known as refraction tests, are not covered by Medicare. However, if you have diabetes, your eye exam may be covered. Glaucoma tests and macular degeneration tests are often covered too. If you want coverage for eyeglasses, contacts, and exams, you should consider Medicare Advantage plans.
Medicare Advantage and Vision Coverage
Medicare Advantage plans must cover, at a minimum, the same benefits as Original Medicare. Medicare Advantage plans are growing in popularity because they can offer vision, hearing, and dental coverage.
Benefits will vary by plan, but an MA plan can cover routine eye exams, eyeglasses, contacts, and fittings. There are a few different types of MA plans, but if you are looking for vision coverage, a Medicare Advantage PPO is a good option. These are ideal because even though there is a network you should stick to, you have the freedom to see other providers.
You may not get as much coverage as you would by seeing in-network providers, but at least you have the option to visit a multitude of eye doctors. Want to learn more? Fill out this form, and we are happy to answer any of your questions.
Does Medicare Cover Vision Care? | Medicare Plan Finder
Glaucoma Treatment
Glaucoma is the cause of roughly 20% of blindness in the US. Most glaucoma cases occur in people over the age of 65. Glaucoma occurs when there is a build up of pressure in your eye. The pressure damages the major transmitter from your eye to your brain, also called the optic nerve.
There are a few different kinds of glaucoma based on how the pressure is accumulated into your eye. The main type of glaucoma is open-angle glaucoma and accounts for 90% of cases.
To treat glaucoma, your eye doctor may recommend eye drops to help relieve pressure. Another option is medication, usually a pill, that can work alongside eye drops to relieve the pressure.
The eye drops are typically used as short-term relief while the medications aim to work long-term and attack the parts of your eye that are contributing to the disease. The last resort to combatting glaucoma is surgery.
Is glaucoma testing covered by Medicare?
Part B covers a glaucoma screening once per year for those who are considered high-risk. You are considered high risk if one of the following applies:
You have diabetes
You have a family history of glaucoma
You are African American and 50+
You are Hispanic American and 65+
You will pay 20% of the cost for the screening after you reach your deductible. If you get the test in an outpatient setting in a hospital, you may also have a copayment.
Age-Related Macular Degeneration Treatment
Age-Related Macular Degeneration (AMD) is the leading cause of severe vision loss in adults over 50. Caucasians have a higher risk of developing AMD and it is more common in women than men.
AMD occurs when there are changes to the macula (a small portion of the retina). There are two different types of AMD – “dry” and “wet”.
There is no treatment for “dry” AMD because the tissue in the macula becomes extremely thin and eventually stops working. “Wet” AMD occurs when the blood vessels leak fluids under the macula. If detected early, “wet” AMD can be treated with laser surgery.
Is Macular degeneration covered by Medicare?
Part B covers certain tests and treatments related to macular degeneration. This includes injection-based drug treatments. If you have age-related macular degeneration, you may be covered. If you are eligible, you will pay 20% for outpatient services after you reach your deductible.
Cataract Treatment
Man Discussing Cataract Treatment With His Doctor | Medicare Plan Finder
All of our eyes have a natural lens. The lens bends light rays that are directed at our eyes to help us see. The lens should be clear. If you have a cataract, the lens is cloudy. This makes your vision look blurry or hazy.
Prescription glasses can be used to correct your vision if the cataract is minor. However, sometimes glasses aren’t enough and cataract surgery is the most effective treatment. The operation involves removing your clouded lens and replacing it with a clear, artificial lens.
What does Medicare pay toward cataract surgery?
Medicare will only cover your cataract surgery if a doctor says it’s medically necessary. Medicare will also cover the related doctor visits after surgery. Unless you have a Medicare Supplement plan, you will be responsible for certain costs including deductibles, copayments, and coinsurance. To learn more about Medicare Supplement plans, send us a message!
Diabetic Retinopathy Treatment
Diabetic retinopathy occurs when the tissues in your retina are affected by blood vessels from high blood sugar. It is the most common eye disease among people with diabetes.
The vision loss from diabetic retinopathy is often irreversible, but early detection can reduce your risk by 95%. Treatment can include blood glucose management through a healthy diet, surgery, and medications like blood vessel growth inhibitors and steroids.
Does Medicare cover diabetic retinopathy?
As we mentioned, Medicare does not cover routine eye exams. However, Part B will cover an annual vision exam to check for diabetic retinopathy if you are enrolled in Part B, have diabetes, and the test is approved by an approved Medicare provider.
Other Vision Coverage Options
If you don’t want Medicare Advantage, you can purchase separate vision plans for seniors and Medicare eligibles. Vision policy premiums vary but are based on your age, health, and family history (disease risk). Most vision plans start at around $15 per month, but yours may be different. You may be able to save money by purchasing a vision plan that is combined with another benefit, like dental.
Private vision plans for seniors and Medicare eligibles and Medicare Advantage vision coverage both usually include annual exams, discounts for surgeries and services, and a specific allowance for glasses and contact lenses. Allowances will vary based on the plan you choose.
Losing Eyesight? Get Coverage!
If you are losing eyesight, now is the time to get vision coverage. Even if you have the healthiest eyes, Medicare Advantage plans can help you become the healthiest version of you.
Beyond vision coverage, they can also include dental and hearing coverage. Plus, some may offer fitness classes like SilverSneakers®! Our licensed agents can help you find the perfect plan that fits your needs and budget. Call us at 844-431-1832 or click here to get in touch with an agent!
Medicare Advantage | Medicare Plan Finder
Medicare for Diabetics and Diabetes Management
Diabetes is one of the largest health issues facing America and affects over 12 million older adults. In fact, the World Health Organization estimates that diabetes will be the seventh leading cause of death by 2030. The risk of developing diabetes increases with age, so it’s important to understand the role of Medicare and diabetes management.
Medicare for Diabetics and Medications
Medicare and Diabetes
If you are diabetic, or even pre-diabetic, your doctor may prescribe you medications like:
Metformin
Glucophage
Glumetza
Sulfonylureas
Meglitinides
Thiazolidinediones
Original Medicare (Part A and B) does not cover prescription drugs. If you are diabetic, you could end up having a high out-of-pocket cost for your medications. A Part D plan is a great alternative to help you save money and get the coverage for medications you need.
You can enroll in a Part D plan on top of your Original Medicare or purchase a Medicare Advantage plan. Medicare Advantage plans can offer benefits like prescription drug coverage, hearing, vision, or dental coverage and even things like meal delivery and transportation to doctor appointments or the pharmacy.
Does Medicare cover insulin?
Insulin can be divided into Original Medicare will only cover insulin that is needed for an external insulin pump and may be covered as Durable Medical Equipment.
Without insurance, the most popular form of insulin (Lantus) can cost over $500. According to GoodRx, the average copay for Lantus is $37.50-$67.70 with insurance.
Original Medicare does not cover other forms of insulin including pens, syringes, or needles. If you need other forms of insulin, a Part D plan or a Medicare Advantage plan with a prescription drug benefit can help!
What does Medicare cover for diabetics?
Medicare Part B covers diabetes self-management training (DSMT) for those who were recently diagnosed. Part B will also cover:
However, there may be limits on how much or how often you can get these supplies.
Medicare Part D covers diabetes supplies including:
Syringes
Needles
Alcohol swabs
Gauze
Inhaled insulin devices
Diabetic Supplies Delivered Directly to Your Door
You can get your diabetic supplies delivered directly to your door. However, you have to use an approved Medicare mail-order supplier if you want to utilize your Medicare coverage. If you prefer to purchase your supplies in a store, Medicare will cover the costs if you buy them at a Medicare-enrolled store or pharmacy.
Types of Diabetes and Symptoms
Patient with Diabetes and Medicare
If you are diagnosed with diabetes, it means that your body struggles to process the sugars in the foods you eat. As a result, your blood sugar levels rise. This means your body cannot produce enough insulin (or produce it in the right way) depending on which type of diabetes you have.
Type 1
Type 1 occurs when your pancreas cannot produce insulin (a hormone produced in the pancreas which regulates the glucose in your blood). It is typically developed at a young age and accounts for less than 10% of cases. If you have type 1, you will need to balance your blood sugar with insulin doses through a shot, pen, or pump. You will also need to pay close attention to the foods you eat and your daily activity level
Warning signs and symptoms of type 1 diabetes include:
Going to the bathroom more frequently
Being thirstier
Having mood changes
Struggling to see or other vision problems
Feeling fatigued
Losing weight without a change in diet or exercise
Type 2
Type 2 is the most common type of diabetes and accounts for 90% of diabetic patients. On the bright side, it is the most preventable and treatable form of diabetes. Unlike type 1, people with type 2 can produce insulin, just usually not enough. This means insulin shots, pens, or pumps may not be needed. Instead, you can monitor your blood sugar and manage insulin levels through medication.
The warning signs and symptoms of type 2 are very similar to type 1, they just take longer to develop. These symptoms include frequent urinating, thirst, mood changes, vision issues, fatigue, and unexplained weight loss. Some symptoms can take several years to surface which means regular check-ups and monitoring your blood sugar levels is crucial, especially if you are diagnosed with prediabetes.
Another sign of type 2 is prediabetes. If you are prediabetic, you probably have high blood sugar, and your body will start to reject insulin slowly. However, your blood sugar levels are not high enough to be considered type 2 diabetic just yet. Eating better, exercising, and losing weight can help prevent the development of type 2 diabetes in the future.
Effects of Diabetes
All types of diabetes should be taken seriously as they can have severe complications and effects on your body. Without proper treatment and management, diabetes can lead to the following health issues:
Heart Disease
Diabetes can raise your blood pressure and cholesterol. Nearly 75% of people with diabetes suffer from some sort of heart-related condition. This can include heart attacks, stroke, coronary heart disease, and many more.
Kidney Damage
Your kidneys are full of small blood vessels. Diabetes can damage these vessels, which impacts your kidney’s overall function. According to the National Kidney Foundation, 30% of type 1 diabetes patients will experience kidney failure.
Hypoglycemia
Hypoglycemia is when your blood sugar levels reach a dangerously low level. These low levels can result in falls, seizures, or even cause you to enter a coma.
Nerve Damage
High blood sugars can make it difficult for your blood vessels to take blood to certain parts of your body. If blood does not get to certain nerve endings, they can be partially or permanently damaged.
Eye Damage
Blurry vision is a warning sign of diabetes. This is because the blood vessels attached to your retinas are getting damaged. If diabetes is left untreated, this condition could worsen.
How to Test for Diabetes
If you have a body mass index over 25, are older than 45, or have been diagnosed with prediabetes, you should be tested for diabetes annually. The most common tests are as follows:
Glycated Hemoglobin (A1C) Test
This blood test shows your average sugar levels for the past 2-3 months. It measures the percentage of sugars attached to hemoglobin (an oxygen-carrying protein in red blood cells). The higher level of blood sugars equates to the higher number of hemoglobin with attached sugars. Two A1C tests of levels greater than 6.5% indicate diabetes. One A1C test between 5.7% and 6.4% indicates prediabetes. Anything under 5.7% is normal.
Random Blood Sugar Test
A random blood sugar test is exactly that – random. There is no fasting and it does not matter when (or what) you last ate. A blood sugar level of 200 mg/dL or higher indicates diabetes.
Fasting Blood Sugar Test
This test requires you to fast overnight. The next morning you take a blood sugar test. Sugar levels less than 100 mg/dL is normal. Anything between 100 and 150 mg/dL indicates prediabetes. If you take two separate tests at different times, and the results are over 126 mg/dL, you may have diabetes.
Oral Glucose Tolerance Test
This test requires you to fast overnight and check your blood sugar levels the next morning. Directly after, you will drink a sugary liquid. Over the next two hours, you will check your levels again. A level of less than 140 mg/dL is normal. After two hours, a level between 140 and 199 mg/dL indicates prediabetes, and anything over 200 mg/dL indicates diabetes.
How to Prevent Diabetes
You can’t change your genes, age, or past behavior, but you can take control of other factors, including:
Exercise: Did you know losing 10 kg (about 22 pounds) over a ten year period can lower your risk of diabetes by 33%? You should aim to get 30 minutes of exercise at least five days a week. If you haven’t been active, start slowly and work towards an overall goal.
Diet: A diet that is high in nutrients and low in glycemic loads are great for preventing diabetes. Green vegetables, beans, nuts, seeds, and fruit can help maintain your blood sugar. However, foods with added sugars, refined grains, and trans fats can have the opposite effect. Avoid fried foods and red meats when possible. Try a healthy soup!
Stress Less/Sleep More: When you are sleep deprived or have unusual sleep patterns, you increase your risk of obesity. As we previously mentioned, obesity plays a large factor in developing diabetes. Stress can impact your sleep schedule and make you toss and turn in the night. Plus, stress releases several hormones that increase your blood sugar. Pay attention to your sleep patterns and stress levels and visit a doctor if you have continued issues.
Diabetes and Medicare Coverage
Diabetes costs America more than $327 billion every single year. If you are diagnosed with diabetes, you may have high out-of-pocket costs. As we mentioned, Part D and Medicare Advantage plans can help save you money and provide the benefits and coverage you need. If you have any questions, or interested in enrolling in a Part D or MA plan, fill out this form or call us at 844-431-1832.
Pneumonia in the Elderly: Causes, Treatment, and Prevention
According to the Centers for Disease Control and Prevention, more than three million Americans develop pneumonia each year. As you age, your risk of developing this infection increases.
Pneumonia can cause serious complications in older adults and can even be fatal. Take this time to educate yourself on the causes, symptoms, treatment, and prevention of pneumonia in the elderly.
What Is Pneumonia?
Doctor Reviewing Lung X-Ray With Patient | Medicare Plan Finder
Pneumonia is an infection that results in the inflammation of air sacs in one or both of your lungs. The tiny sacs fill with fluid and disrupt the process your lungs use to create oxygen. As a result, you may have difficulty breathing. If left untreated, vital organs may not receive enough oxygen, bacteria can enter your bloodstream, and fluid can surround your lungs.
There are two main types of pneumonia – bacterial and viral. Bacterial pneumonia occurs when your immune system is weak from illness, poor nutrition, or age, and bacteria infiltrates your lungs.
If you smoke, abuse alcohol, have a respiratory disease, or have recently had surgery, you have a higher risk because your immune system is weakened. Viral pneumonia is caused by a virus, most commonly the influenza (flu) virus, and is responsible for roughly one-third of all pneumonia cases. Both types can range from mild to life-threatening.
What Causes Pneumonia in Elderly Patients?
According to the American Lung Association, there are more than 30 different bacterias, viruses, and fungi that lead to pneumonia. When pneumonia starts to spread through your lungs, your white blood cells will attack the germs. The area will become inflamed.
What Are the Symptoms of Pneumonia in Elderly Patients?
Bacterial and viral pneumonia have different symptoms, and can often be confused with bronchitis or the flu. Bacterial pneumonia can make your temperature rise as high as 105 degrees and cause excessive sweating, a high heart rate, and heavy breathing. Your lips and nails may develop a blue tint from the lack of oxygen. Other bacterial symptoms include:
Green, yellow, or bloody mucus
Fever
Loss of appetite
Low energy
Chills
Chest pain when breathing or coughing
Shortness of breath
On the other hand, the initial symptoms of viral pneumonia have the same symptoms of the flu. Within 36 hours, you may see a small amount of mucus and you may also see a blue tint on your lips. Other viral symptoms include:
Headaches
Muscle pain
Weakness
Worsening cough
Shortness of breath
Pneumonia in Elderly Recovery Time
The average healthy person can recover from pneumonia in one to three weeks, but depending on your immune system, recovery can last weeks or even months.
Coughing is the primary way to get the infection out of your body, and it takes a lot of your energy. Once you clear the infection, it can still take several more weeks to regain your strength.
Pneumonia in Elderly Survival Rate
Pneumonia can form very quickly and can rapidly spread to other parts of your body. The disease puts your immune system into overdrive and your body cannot create enough oxygen for your vital organs. Pneumonia can also worsen the symptoms of your other ailments, like heart disease.
Pneumonia in Elderly With Dementia
Dementia usually refers to a decline in mental ability that seriously impacts a person’s everyday life. Short-term memory loss and confusion and are most common when dementia results from an injury or an infection such as pneumonia.
According to the Alzheimer’s Association, the symptoms of dementia can be different in every person. However, a person may have dementia if two or more of the following functions are impaired significantly:
Memory
Ability to communicate
Ability to focus and pay attention
Reasoning and judgment
Visual perception
Pneumonia in Elderly With COPD
People with chronic lung disease may be more susceptible to pneumonia. The combination of COPD (chronic obstructive pulmonary disease) and pneumonia is particularly dangerous because it presents an increased risk of respiratory failure, which means that your body can’t get enough oxygen or can’t successfully remove carbon dioxide.
If you have COPD and think you might have symptoms of pneumonia, be sure to call your doctor right away.
Pneumonia Treatment
Doctor’s Appointment | Medicare Plan Finder
A doctor can determine if you have pneumonia through physical exams, chest x-rays, blood tests, CT scans, and other tests. Depending on the severity and type of infection there are several treatment options. Most cases can be treated at home with a combination of antibiotics, hydration, fever control, and rest.
However, some cases may require hospitalization. If hospitalized, you will likely receive fluids and antibiotics through an IV as well as breathing treatments and oxygen therapy.
Your risk of being admitted increases if you have another serious medical problem, more severe symptoms, or if you have been taking antibiotics at home and are not recovering.
Can Pneumonia Heal on Its Own?
Pneumonia cannot heal on its own. It’s important to start treating your symptoms as soon as possible. You can treat your symptoms at home, but visiting a doctor and getting antibiotics is highly recommended, especially for older adults and children.
Pneumonia Prevention
Pneumonia in the elderly along with pneumonia in other adults and children can oftentimes be prevented by practicing healthy habits including:
Washing your hands regularly — especially after blowing your nose, using the restroom, or eating.
Since the flu is a common cause of pneumonia, get your flu shot! Did you know Medicare pays for your annual flu shot? Read more about preventing the flu here.
Pneumonia Vaccine
Another form of pneumonia prevention is the pneumococcal vaccine. This can help protect you from bacterial pneumonia and is recommended for anyone over the age of 65.
There are two vaccine types, PCV13, and PPSV23. You and your doctor can work together to help determine which type is best for you. However, please note, the vaccination is not guaranteed to prevent the infection entirely, but it can drastically lower your risk. Your Medicare plan can cover the cost.
Pneumonia and Your Medicare Plan
Practicing a healthy lifestyle is one of the best ways to keep your immune system strong. Medicare Advantage plans can make sure you’re living the healthiest life possible. These plans may offer additional benefits beyond Original Medicare like routine physical exams and a monthly allowance for over the counter products and medications!
We have licensed agents across 38 states who are contracted with all the major carriers! This means they can answer your questions and enroll you in a plan with an honest and unbiased approach. If you have any questions or are interested in arranging a no-cost, no-obligation appointment, call us at 844-431-1832 or fill out this form.
Find Medicare Plans | Medicare Plan Finder
Does Medicare Cover Flu Shots?
The Centers for Disease Control and Prevention (CDC) estimates that each year, there are over 31.4 million outpatient doctor visits due to the flu virus in the United States.
Anyone can get the flu, even the healthiest of people, which is why it’s important to take the necessary preventive measures. Getting an annual flu shot is the best way to prevent the flu. If you’re eligible for Medicare, you probably wonder, “Does Medicare cover flu shots?”
High Dose Flu Vaccine
Doctor’s Appointment | Medicare Plan Finder
With age comes beauty…and a weakened immune system! If you are 65 years or older, you are considered high risk for developing influenza.
The high dose flu vaccine is a great option for Medicare eligibles because it contains the three flu strains that are most likely to cause the flu. Plus, it contains four times the flu virus antigen than a regular flu shot. Research shows that the high dose flu vaccine leads to 25% fewer cases of the flu than the standard flu shot.
High Dose Flu Vaccine vs Regular Flu Shot
The regular flu shot is recommended for those six months or older while the high dose flu vaccine is designed specifically for those over the age of 65. Both vaccines take approximately two weeks to build immunity in the body. The peak of flu season is January through March but can start as early as October and extend as far as May, so it’s important to get vaccinated as soon as possible.
Flu vaccines are completely safe and have weakened viruses, meaning the flu shot cannot cause the flu. The high dose flu vaccine and the regular flu shot can both cause side effects, but, side effects may be stronger with the high dose flu vaccine. Getting any flu vaccination is the first step to protecting yourself against the flu.
Flu Shot Side Effects
The risk of developing side effects from the vaccine is higher in a high dose flu vaccine rather than the average flu shot. These side effects can include pain, swelling or soreness at the injection site, and headaches or muscles aches. These side effects may be less than ideal.
However, seniors and Medicare eligibles can have significantly higher complications from the flu. The phrase “better safe than sorry” certainly applies, because .
Flu-Related Complications
The flu can lead to several complications. These complications can range in severity, but should always be taken seriously.
Minor complications include fever, headache, tiredness, cough, body ache, and vomiting.
More severe complications include pneumonia, dehydration, muscle inflammation, and sinus infections. Plus, the flu can worsen long-term health conditions like heart failure, asthma, and diabetes.
Does Medicare Cover Flu Shots?
Medicare Part B covers outpatient care, preventive services, ambulance services, and durable medical equipment. Flu shots are considered a preventive service, so Medicare will cover 100% of the cost for one flu shot per year.
The Part B deductible does not apply to this service, so as long as you are enrolled in Medicare and the doctor or clinic accepts Medicare, you are fully covered.
Medicare Advantage plans are required, at a minimum, to provide the same benefits as Original Medicare (Part A and B). This means that if you are enrolled in a Medicare Advantage plan, your flu shot is fully covered, too.
The premiums and deductibles may vary per plan, however, if the plan has a deductible, a flu shot may not apply.
Where to Get a Flu Shot
If you don’t know where to get a flu shot, the CDC has a free resource to locate flu shot providers in your area. To get started, click here. Enter your zip code beside the red arrow. We used 37209, which is our corporate headquarters’ zip code in Nashville, Tennessee. Then click “Go”, which is beside the green arrow.
Flu Shot Finder Step 1 | Medicare Plan Finder
The next page lists the flu shot providers in your area complete with address and contact information. Call the providers with any questions about how to get your flu shot.
Flu Shot Finder Step 2 | Medicare Plan Finder
Let Us Help You Find the Right Medicare Plan
Getting an annual flu shot is just one of many ways to practice a healthy lifestyle. If you’re looking for coverage beyond Original Medicare that will help you become the healthiest version of you, a Medicare Advantage plan may be a perfect fit!
A MA plan can provide vision, dental, and hearing coverage. Plus, some may offer fitness classes like SilverSneakers®! Our licensed agents are highly trained can help you find the perfect plan that fits your needs and budget. Call us at 844-431-1832 or click here to get in touch with an agent!
Contact Us | Medicare Plan Finder
This blog was originally published on November 6, 2018, by Kelsey Davis and updated on August 30, 2019 by Troy Frink .
Shingles in the Elderly: Signs & Prevention
According to the Centers for Disease Control and Prevention, nearly one-third of people in the United States will develop shingles at some point in their life. The risk of developing shingles increases as you age and is more likely in those who have had the chickenpox (Varicella) virus. Prepare yourself now by learning everything you need to know about shingles in the elderly.
Shingles Complications
Shingles is caused by the varicella-zoster virus and results in painful blisters on your body. This is the same virus that causes chickenpox. If you had chickenpox, the virus remains inactive in nerve tissue near your spinal cord and brain. Years later, this virus can reactivate as shingles. What causes the dormant virus to reactivate? The exact reason is unclear, but researchers suggest that weakened immune systems, certain diseases such as HIV/AIDS or cancer, radiation, chemotherapy, and certain medications, like steroids, can contribute to the development.
Shingles can result in severe complications, the most common being postherpetic neuralgia (PHN). Those with PHN continue to have pain on the surface of their skin even after the blisters have subsided. PHN can take weeks, months, or even years to resolve. Other shingles complications include vision loss, facial paralysis, balance problems, and bacterial skin infections.
How long does shingles last in the elderly?
The average case of shingles lasts between three to five weeks. According to the National Institute on Aging, shingles follows a pattern. The first sign of shingles is often an itching or burning sensation on the side of the body. About one to five days later, a red rash will start to develop. A few days after that, the rash will turn into blisters. These blisters will last for roughly ten days before drying up and scabbing. Within a couple of weeks, the scabs should clear up. In some cases, shingles can then lead to other conditions (like PHN, mentioned above) that can last longer, but the shingles virus should clear up after about five weeks. Most people only get shingles one time, if at all, but it is possible to develop shingles more than once.
Shingles in the Elderly Symptoms
There is no cure for shingles, but early treatment can help fight the virus and limit the amount of pain you have. It’s important to understand the symptoms so you can talk to your doctor as soon as possible. Common shingles in the elderly symptoms include:
Burning, itching, or numbing area on the skin
Skin sensitivity
Itching
Fever
Headaches
Light sensitivity
Fatigue
Is shingles contagious to the elderly?
No. Shingles itself cannot be passed from one person to another. However, the virus that causes shingles can be spread through direct contact with the fluid from the blisters. A person with shingles is only contagious during the blistering phase. However, only those who have not had the chickenpox can contract the virus this way, and they would develop chickenpox as a result. Those who had chickenpox previously actually already have the virus, though it is inactive! If a person who has had chickenpox develops shingles, it will most likely be from the virus that is already in the body, not through contact with someone else who has shingles.
[click_to_tweet tweet=”Did you know nearly 95% of the U.S. population is at risk of having shingles due to the chickenpox virus in their body? https://www.medicareplanfinder.com/blog/shingles-in-the-elderly-signs-prevention” quote=”Did you know nearly 95% of the U.S. population is at risk of having shingles due to the chickenpox virus in their body?” theme=””]
Shingles in the Elderly Prevention
Preventing shingles can be difficult, especially since those who have had chickenpox already have the virus in their body! However, there is a vaccine that can drastically lower your risk of developing shingles. The vaccine is recommended for those over the age of 50 and it comes in two doses. The second dose should be administered between two to six months after the first. The shot doesn’t completely eliminate your risk for shingles, but it lowers your risk and can reduce the severity of the virus if it does surface.
Original Medicare (Part A and B) does not cover the shingles vaccine. However, a Medicare Advantage or Part D plan may cover it! These plans are great options that include coverage beyond Original Medicare and help you live the healthiest life possible! Our agents can help you understand all of your plan options and enroll you in a plan that fits your specific needs and budget. If you interested in arranging a no-cost, no-obligation appointment, fill out this form or call at us 844-431-1832.
Vitamin D for Seniors and Medicare Eligibles
Vitamin D, also known as the “sunshine vitamin,” is essential. It helps absorb calcium, which is necessary for bone health and strength. Over an extended period of time, vitamin D deficiency can result in obesity, diabetes, hypertension, depression, Osteoporosis, and more. Vitamin D for seniors and Medicare eligibles becomes increasingly important with age, so it is important to understand the recommended dosage and the symptoms of deficiency.
Why is Vitamin D Important in the Elderly?
If you are deficient in vitamin D, your body may start to lose bone tissue. This can lead to bone pain, muscle weakness, and even skeletal deformity. Seniors and Medicare eligibles who get the recommended dose of vitamin D every day are more likely to lower their risk of cardiovascular issues, cancers, bone disorders, and diabetes. Plus, it can lower the chance of early nursing home admission, encourage physical independence, and act as a form of fall prevention.
How Much Vitamin D Does a Senior Need?
It can be extremely difficult to get enough vitamin D through diet alone. Sunshine and vitamin D supplements are beneficial alternatives. The recommended dose of vitamin D for seniors age 70+ is, at a minimum, 800 IU* per day. For those less than 70 years old, the adequate intake is, at a minimum, 600 IU per day. Blood tests are a great way to see if you are getting the right amount of vitamin D. However, it’s important to understand that you can have too much vitamin D. An excess can cause vomiting, weakness, and excess urination. Your daily vitamin D intake should never exceed 4,000 IU per day.
*IU stands for international units and is used to measure fat-soluble vitamins. This includes vitamins A, D, and E. You will notice that these vitamins will use “IU” on their labels instead of MG.
[click_to_tweet tweet=”The recommended dose of vitamin D for seniors age 70+ is, at a minimum, 800 IU* per day. Do you get enough? #SeniorHealth https://www.medicareplanfinder.com/blog/vitamin-d-for-seniors-medicare-eligibles/” quote=”The recommended dose of vitamin D for seniors age 70+ is, at a minimum, 800 IU* per day. Do you get enough? #SeniorHealth”]
Typical D3 Dosage for Seniors and Medicare Beneficiaries
There are two main forms of vitamin D for seniors and Medicare eligibles – vitamin D2 (ergocalciferol) and vitamin D3 (cholecalciferol). D2 can be found in plant foods like mushrooms and D3 can be found in sunlight and animal foods like salmon or eggs. D2 does not occur naturally in your body, but D3 is produced in the skin when exposed to sunlight. Experts believe that D3 is at least three times more potent than D2 and is more stable, safe, and beneficial to the body.
Symptoms of Vitamin D Deficiency in Elderly People
Vitamin D Deficiency in elderly people is common due to smaller food intake, less exposure to sunlight, and reduced skin thickness. It’s important to listen to your body so you can take the proper steps to rectify the issue. Symptoms of vitamin D deficiency in elderly people include:
Weak Muscles
In general, adults often feel their muscles get heavier with age. This can actually be linked to a Vitamin D Deficiency. This means that if you have difficulty standing up or climbing the stairs, you may not be getting enough vitamin D.
Common Sicknesses
Vitamin D makes sure your immune system is strong and helps fight off illness-causing viruses and bacteria. If you get sick easily and often, especially with colds or the flu, low vitamin D could be a contributing factor. Plus, researchers have found links between vitamin D deficiency and respiratory infections. Studies have shown that increasing your vitamin D intake can decrease your risk of infection.
Weight Gain
Researchers claim that vitamin D and a hormone called leptin work together to regulate your weight. Leptin works by signaling your brain that you are full and to stop eating. If you are deficient in vitamin D, the leptin signaling process may not function properly. Overeating and weight gain can be an indicator that you need more vitamin D.
Fatigue
There are many reasons you may be feeling tired, but a vitamin D deficiency is often overlooked. There have been several observational studies that show correlations between low vitamin D levels and fatigue. When the vitamin D dosage was increased, the tiredness and fatigue subsided.
Stomach Problems
Since vitamin D is a fat-soluble vitamin, a deficiency can trigger digestive problems like inflammatory bowel disease. Digestion problems can be extremely uncomfortable and negatively impact the fat absorption process.
[click_to_tweet tweet=”Are you feeling weak, gaining weight, or experiencing stomach pain? Make sure you’re getting all the nutrients your body needs, like vitamin D! https://www.medicareplanfinder.com/blog/vitamin-d-for-seniors-medicare-eligibles/” quote=”Are you feeling weak, gaining weight, or experiencing stomach pain? Make sure you’re getting all the nutrients your body needs, like vitamin D! “]
Medicare Advantage and Part D Plans
If you think you may have a vitamin D deficiency, visit your doctor before taking corrective action. A blood test is the most accurate way to measure vitamin D in your body. Unfortunately, in most cases, Original Medicare only covers blood tests for at-risk individuals.
Medicare Advantage plans can provide additional coverage for bloodwork. In some cases, MA plans with prescription drug coverage will even include some coverage for over-the-counter medications like vitamin D supplements! Talk to a licensed agent about finding out whether a plan in your area offers these benefits. A great first step is to download our Part D checklist that can help you figure out what prescription coverage you need out of your health care plan.
Our licensed agents can help you understand all of your plan options and enroll you in a plan that fits your needs and budget. If you’re interested in arranging a no-cost, no-obligation appointment, fill out this form or call us at 844-431-1832.
Health Benefits of Pets for Seniors
Health Benefits of Pets for Seniors
Most people can’t help but smile when a fluffy dog comes running over. Did you know that pets (especially dogs and cats) have been proven to provide both mental and physical health benefits? Your health and well-being may just be the best excuse yet for you to adopt a furry friend.
Health Benefits of Pets:
They boost your immune system.
Pets who live outdoors or are frequently outside can easily bring bacteria into your home. In most cases, that bacteria won’t be enough to get you sick, but it will expose your body to the specific bacteria and prepare your immune system.
Pets reduce stress
There’s a reason why so many people have registered Emotional Support Animals. They can help prevent breakdowns and emotional outbursts in stressful situations just by their adorable presence. Pets for seniors also notoriously provide unconditional love, giving their owners confidence and helping to reduce feelings of loneliness and self-doubt. Whether they are registered as Emotional Support Animals or not, pets are great for those with high levels of stress, anxiety, and depression as well as those who just need a friend.
They get you outside and moving.
All animals (but especially dogs) will force you to get outside and moving. Even just taking a walk around the block with your dog is enough to lift your spirit. Plus, the extra exercise and vitamin D is great for your body.
Companion Dogs
By definition, a companion dog is not actually a working dog. You can register a companion dog as an emotional support animal, but it would still technically not be a a service animal. Companion dogs can become certified companions by passing a series of basic obedience tests. All that a companion certification does for you is that when you list your dog’s name on a document, you can follow it with “CD,” for “companion dog.” This tells whoever is reading your paperwork that your dog is certifiably obedient.
While companion dog certification is great for those who are in great health but are looking for a companion, seniors with disabilities may want to look into their service dog eligibility.
Companion Cats for Seniors
Technically, any cat can be a companion cat in the same way that any dog can be a companion dog. However, you can not train and register your companion cat in the same way that you can a dog. If you truly need your cat for emotional support, you can register it as an emotional support animal instead.
There is no question that cats can be just as beneficial as dogs for emotional support. More specifically, Persian, Ragdoll, Abyssinian, Burmese, Maine Coon, and Exotic Shorthair cats have a tendency to be very loving and social cats (but other breeds can be emotional support animals as well). To officially certify your cat, you’ll need to see a licensed specialist. Most online emotional service animal registrations are scams, so please see a real specialist.
Assistance Dogs of America
ADAI, or Assistance Dogs of America, Inc. helps disabled people of all ages find a trained service dog to assist with their daily needs. Even if you yourself can’t have a service animal for any reason, ADAI places therapy dogs in nursing homes, hospice facilities, and even jails.
Assistance dogs can be trained as guide dogs, hearing aid dogs, service dogs, and for help controlling conditions like seizures, PTSD, and severe stress. They can provide tasks even as detailed as opening doors/refrigerators/washing machines, flipping switches, dressing assistance, carrying items, picking up dropped items, helping you stand up from a fall, helping you climb stairs, etc.
If you do not adopt your service dog from Assistance Dogs of America or another certified service dog adoption service, you will need to register your service dog yourself. Dogs can be registered for seizure response, medication reminders, psychiatric disabilities, and seeing eye services. Registering your service dog means that you will be legally allowed to bring your dog anywhere (including rental housing). We recommend that you adopt your service dog from a certified provider (like Assistance Dogs of America) for the most legitimate certification that should not give you any sort of problem at any public facility.
America’s VetDogs
Based out of Smithtown, NY, America’s VetDogs trains service dogs specifically for veterans who suffer from physical injuries, hearing and vision loss, seizures, and PTSD. America’s VetDogs requires that you have served in the U.S. Armed Forces or are a first responder who has become disabled. You must participate in a two-week training program to learn how to care for and work with your service dog, and you must be able to afford at least $100 per month (for food, vet bills, etc.) and be able to care for your dog. Your transportation to the facility is free and there are no adoption fees!
Seniors for Seniors pet Adoption
Seniors for Seniors pet adoption programs are becoming more and more common. There just may be one in a shelter near you! Seniors for Seniors means that a shelter can help senior humans find a senior pet to care for! Puppies are a lot more work and have a lot more energy than senior dogs and cats, and you may find comfort in helping another living thing live his best senior life.
Whether you want to adopt an older pet or not, hundreds of shelters around the world have programs for seniors that include waived adoption fees! One foundation, Pets For The Elderly, can even pay adoption fees for you – just check out their list of participating shelters and see if there’s one near you. However, remember that even if your adoption fee is waived, you’ll still have other pet costs to consider (food, toys, vet bills, etc.).
Pet Therapy for the Elderly
Pet Therapy can mean a lot of different things. Most people first think of emotional therapy and emotional support animals, but pet therapy can provide physical benefits as well! Pet therapy for the elderly is designed to allow seniors to feel less lonely, use less medication, recover more quickly, have lower blood pressure and cholesterol, handle stress better, and even visit the doctor less often.
Seniors have been proven to have better communication, improved memory, and even improved motor skills thanks to pet therapy. Some of this is due to occasional visits from therapy dogs, but a lot of it is due to dog or cat ownership. Seniors who have dogs or cats at home generally get more exercise from walking and playing, work their muscles more from petting, walking, bathing, and brushing, and reduce their stress and depression from the love that pets for seniors provide! Plus, the mental stimulation from the love of a pet can improve memory and social skills!
If you can’t afford a pet or are unable to care for an animal for any reason, check out your local senior center or ask if your health plan knows of a pet therapy center in your area. You can also try volunteering at a local animal shelter!
Dogs in Nursing Homes
Some shelters and pet therapy centers work with nursing homes and other care facilities to bring in dogs to play with seniors! The animals could use the love and affection as much as the seniors can, so everyone wins! Sometimes these will be adoptable shelter dogs, and other times nursing homes may work with actual pet therapy centers that have trained companion dogs for you to spend time with.
Affordable Pet Insurance
If you haven’t adopted a pet yet because you’re worried about vet bills, did you know you can buy health insurance for your pet? While there isn’t really a Medicare for dogs, there are good coverage options out there for animals. You can choose an affordable pet insurance plan based on how much coverage you want and how much you want to pay each month. In most cases, you can use any licensed vet and then get reimbursed by your plan later (unlike health insurance, where you have a distinct doctor network).
Pet insurance generally covers expenses for illnesses and accidents that your furry friends get into. It can really come in handy if your curious kitty eats something she shouldn’t have or if your dog develops a hereditary tumor.
Service Dog Financial Assistance
If you have a qualifying disability and have a service dog helping you around, you may qualify for service dog financial assistance! This will help tremendously with your vet bills, pet food costs, and training expenses. Some veterinarians (but not all) will even provide discounted services for service animals, so make sure your vet is aware if your animal is a registered service animal. Additionally, landlords are required to waive any pet fees for you and your service animal as long as you meet their conditions.
A few examples of organizations that provide other service dog financial assistance are:
The Assistance Dog Special Allowance (ADSA) Program (monthly payments of $50)
PETCO Foundation (mainly donation-based)
The Seeing Eye (low-cost seeing eye dog program)
Planet Dog Foundation (provides service dog grants)
Assistance Dog United Campaign (grants, donations, and vouchers)
Medicare for Dogs
We wish we could provide Medicare for your dog, but that doesn’t exist (yet). The least we can do is help you find a plan that will help you afford to take care of your pets! Click here to request a call and find out if you can save more money on healthcare.
*This post was originally published on 3/29/18, updated on 9/18/18.
