Building An Anti-Ageism Movement: The Time Is Now
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Building An Anti-Ageism Movement: The Time Is Now |
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Only when each of us rejects this culture’s ageist script can we play the roles for which we were born — and we were all born for this time. |
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New Medicare Rules Should Help ‘High Need’ Patients Get Better Treatment |
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Under the new rules, physicians will be compensated for extra time they spend in person with complex patients or their caregivers. |
Doctors have complained for years that they’re not paid adequately for time-consuming work associated with managing care for seriously ill older patients: consulting with other specialists, talking to families and caregivers, interacting with pharmacists and more.
That will change on Jan. 1, as a new set of Medicare regulations go into effect.
Under the new rules, physicians will be compensated for legwork involved in working in teams — including nurses, social workers and psychiatrists — to improve care for seniors with illnesses such as diabetes, heart failure and hypertension.
Care coordination for these “high need” patients will be rewarded, as will efforts to ensure that seniors receive effective treatments for conditions such as anxiety or depression.
Comprehensive evaluations of older adults with suspected cognitive impairment will get a lift from new payments tied to the standards that physicians now will be required to follow.
NAVIGATING AGING
Navigating Aging focuses on medical issues and advice associated with aging and end-of-life care, helping America’s 45 million seniors and their families navigate the health care system.
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The new Medicare policies reflect heightened attention to the costliest patients in the health care system — mostly older adults who have multiple chronic conditions that put them at risk of disability, hospitalization, and an earlier-than-expected death. Altogether, 10 percent of patients account for 65 percent of the nation’s health spending.
It remains to be seen how many physicians will embrace the services that the government will now reimburse. Organizations that advocated for the new payment policies hope they’ll make primary care and geriatrics more attractive areas of practice in the years ahead.
Here’s a look at what is entailed:
Complex Chronic Care Management
Two years ago, Medicare began paying nurses, social workers and medical assistants to coordinate care for seniors with two or more serious chronic conditions. But low reimbursement and burdensome requirements discouraged most medical practices from taking this on.
New payments for “complex chronic care management” are more generous (an average $93.67 for the first hour, $47.01 for each half hour thereafter) and can be billed more often, making them more attractive.
They’ll cover services such as managing seniors’ transitions from the hospital back home or to a rehabilitation center, coordinating home-based services, connecting patients with resources, and educating caregivers about their conditions.
Many practices will be able to hire care managers with this new financial support, said Dr. Peter Hollmann, secretary of the American Geriatrics Society and chief medical officer of University Medicine, a medical group practice associated with Brown University’s medical school.
To illustrate the benefits, he tells of a recent patient, with diabetes, hypertension and heart failure who was retaining fluid and had poorly controlled blood sugar. After a care manager began calling the 72-year-old man every few days, asking if he was checking his blood sugar or gaining weight, Hoffmann adjusted doses of insulin and diuretics.
“The patient remained at home and he’s doing well, and we likely prevented a hospitalization,” Hoffmann said.
Cognitive Impairment Assessment
Making a dementia diagnosis is difficult, and primary care physicians often fail to do so on a timely basis. But new Medicare policies may help change that by specifying what cognitive examinations should entail and offering enhanced payments.
Physicians who conduct these evaluations are now expected to meet 10 requirements. In addition to performing a careful physical exam and taking a detailed history, they need to assess an older adult’s ability to perform activities of daily living, their safety, behavioral and neuropsychiatric symptoms, and caregivers’ knowledge, needs and abilities.
Signs Your Aging Parents Need Help Managing Their Finances
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Experts say there are signs that children or spouses can watch out for that will help them know when it’s time to step in and help an older relative with their finances. |
It’s inevitable. As we age, our bodies and our brains change, and not always like fine wine. Cognitive skills decline as part of the normal aging process and in turn, so do some of our financial management skills.
Research shows that financial decision-making peaks around age 53, and by age 60 our ability to process new information starts to slow. The shift happens at a different pace for everyone, and it can be accelerated by medical conditions such as Alzheimer’s and dementia. While some people are capable of managing their own finances throughout their lifetime, others may find their skills suffering.
The impact could be as benign as paying a utility bill twice, or something worse, like falling prey to a scam.
Experts say there are signs that children or spouses can watch out for that will help them know when it’s time to step in and help an older relative with their finances.
“This will probably happen to someone you love or to you,” said Bill Hensley, director of education at the National Endowment for Financial Education. “The way to deal with it is to plan ahead. Plan ahead, prepare for the worst, put those safeguards in place.”
A new study from the University of Alabama, with support from the NEFE, has identified five signs that aging may be impacting someone’s financial decision making.
The study looked at up to seven years of financial skill performance among cognitively normal older adults. The warning signs of financial decline it found are:
— Taking longer to complete everyday financial tasks;
— Missing key details in financial documents;
— Having difficulty with everyday math;
— Showing decreased understanding of common financial concepts;
— Having difficulty identifying risks in an investment opportunity.
Seeing any of these signs doesn’t mean an elderly relative needs to have their checkbook taken away immediately. But they can be a warning that decline is occurring. And that can be a sign that help is needed.
“Hopefully we are helping people understand the importance of planning ahead so that you are not the victim of your own cognitive decline, or someone else taking advantage of that,” Hensley said.
Make a plan to improve your finances in 2017
Unfortunately, this planning often doesn’t occur until after an illness, death or other unfortunate event. But ideally, people should be putting plans and documents into place to protect themselves by midlife or earlier.
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Technology will change the way people age in America. In five to seven years, caregiving will shift, and a lot of home automation will become more mainstream. |
What Baby Boomers Need To Know About Required Minimum Distributions
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What Baby Boomers Need To Know About Required Minimum Distributions |
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Baby boomers’ mandatory withdrawals from 401(k)s, IRAs and other tax-deferred retirement accounts start in full force this year, touching off a massive shift of cash. |
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