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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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It's not officially a scam, but be really cautious about *any* Medicare Advantage plan, especially the HMOs. They have a lot of restrictions and hoops through which you and your providers must jump, They usually require referrals to see specialists, require prior authorization before any but the most trivial things, limit care to a specific area except in emergencies, have co-payments, and any provider, clinic, or facility can leave a plan at any time during the year w/just 30 days' notice. Many of the best academic medical centers and cancer centers want nothing to do w/them because they feel their restrictions compromise patient care. And they're a boondoggle for the companies that provide them. On average, they receive about $1,000/patient/.month. If they don't spend that money, they keep it. A Medicare supplement, Part D drug plan, and private standalone vision and dental insurance are more costly, but the freedom and flexibility they provide is priceless. I even purchased a Plan G Medicare supplement for my late husband when he was a privaye-pay long-term care resident due to frontotemporal degeneration and was within the window when he could get one w/o respect to pre-existing conditions. The business manager at his long-term care center said she wished othe residents' loved ones would be smart enough to do that. She's heard horror stories about Medicare Advantage plans; there's nothing in the world that would ever convince me that they are a good idea.
I have been in the Medicare only business now for 14 years with one carrier. I managed over 650 agents in this role. I recently moved to a new role with a company that offers MOST carrier Medicare plans, not just one carrier. Again, not in a sales role but this time managing and hiring new and veteran agents in 8 different states. If you need honest advice about Medicare feel free to contact me.
You have to review drug plans each year. I found out that my plan decided to drop one of my medications and would have trapped me for an extra $800 per month. I ended up switching to another better plan.
I had a gap in my Medicare coverage several years ago due to a billing issue with my provider. The next year, I got a letter from Social Security saying that if I could not prove that I had had Part D coverage during that gap, they were going to deduct the premium from my Social Security. I had not had the coverage, but I had not purchased any prescriptions during that period, either. It certainly does not sound "voluntary"!
I forgot to add that this "donut hold" has been a common occurrence every year, due to her Alzheimer medications costing sooo much. Brutal on the pocketbook and questionable as to weather they are REALLY helping, considering the cost.
Seniors won't be issued new Medicare cards and do not need to register with anyone to receive the $250 rebate check. The check will be mailed directly to each senior at their home after they hit the prescription drug coverage gap known as the "donut hole."
The above is a quote from your article "4 Scams to Look Out For During Medicare Open Enrollment". I have been managing my mothers medications and care for five years now and have never heard of this or has she ever received this $250.00 that you speak of. Where or Whom can I contact to check into this to see if someone has scammed her or if she is one of the "fell between the cracks" beneficiary?
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By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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5 Medicare Open Enrollment Scams to Avoid
Any suggestions ?
The above is a quote from your article "4 Scams to Look Out For During Medicare Open Enrollment". I have been managing my mothers medications and care for five years now and have never heard of this or has she ever received this $250.00 that you speak of. Where or Whom can I contact to check into this to see if someone has scammed her or if she is one of the "fell between the cracks" beneficiary?