Posts By: Kim C.

The Costs of Home Health Care

By Kim Chernecky  Caregiver assistance is available in many forms. Unfortunately, this type of care can be very expensive and is generally not covered by Medicare. For those wise enough to have purchased long-term-care insurance, all or some of that care will be covered when the time comes. For those that didn’t purchase insurance or… Read more »

What is Assisted Living? And How do I find the best ALF for my loved one?

By Kim Chernecky Assisted living is a great option for those who prefer to move into a community where care is available as needed or for those whose care needs exceed those that can be safely provided in the home. There are a variety of Assisted Living options including: Small personal care homes or adult… Read more »

Understanding Medicare and Medicaid

By Kim Chernecky Most people confuse Medicare and Medicaid. When most American citizens retire, we are entitled to social security benefits (assuming we have paid into the SSI system) as well as Medicare for our medical coverage. For example, teachers do not pay into the Medicare system. Instead they have a private insurance program that… Read more »