Senior Resources 2022 Northeast Directory

S ENIOR R ESOURCES' 2022/2023 Northeast Wisconsin Directory of Services for Older Adults Counties Served:

Brown Calumet Door Fond du Lac Green Lake Kewaunee Manitowoc Marinette

Marquette Oconto Outagamie Shawano Sheboygan Waupaca Waushara Winnebago

Comprehensive

Information On:

Compliments of:

• Adult Day Services • Adult Family Homes (Assisted Living) • Care Coordination • CBRFs (Assisted Living) • Home Health Agencies • Home Care / Non-Medical • Hospice Services • Hospitals • Medical Equipment Providers • RCACs (Assisted Living) • Senior Housing • Skilled Nursing Facilities

Visit us online: www.seniorresourcesonline.com Senior Resources, Inc. • P.O. Box 285 Germantown, WI 53022-0285

Retirement living worth

Smiling about!

Managed by:

HOBART, WI Emerald Bay Retirement Community (RCAC) 650 Centennial Centre Blvd. Hobart, WI 54155 www.bakaenterprises.com (920) 544-5041

BEAVER DAM, WI Charleston House Assisted Living (RCAC) 104 Fakes Ct. Beaver Dam, WI 53916 www.bakaenterprises.com (920) 219-4941 Charleston House Memory Care (CBRF) 129 Evergreen Ln. Beaver Dam, WI 53916 www.bakaenterprises.com (920) 219-4951

51 Park Place, Suite 100 Appleton, WI 54914 O ffi ce: (920) 574-3833 Fax: (920) 574-3850 www.bakaenterprises.com

E merald Bay Memory Care (CBRF) 650 Centennial Centre Blvd. Hobart, WI 54155 www.bakaenterprises.com (920) 544-5041

State Approved Administrator Course (DHS 83.15) now available!

Register for classes online: www.BakaEnterprisesEnrollment.com or phone: (920) 574-3833

17 Park Place, Suite 975 Appleton, WI 54914

MEMORY CARE

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A n I nTRODuCTIOn AnD O vERvIEW OF ThE D IRECTORy tion begins with a narrative describing the service offered followed by a com- prehensive listing of all providers. Information was obtained from questionnaires and phone calls to providers listed in this directory.

Every effort was made to veri- fy the accuracy of this data. Inclusion in this directory does not constitute a recom- mendation. Senior Resources in not responsible for inaccu- racies in this directory. We hope this information is helpful. This directory will be updated and published annu- ally. We would appreciate any comments or suggestions regarding this directory. Please call 262-253-0901. For information on services for older adults in Wisconsin outside of this geographical area, please visit our website at www.seniorresourcesonline.com.

elcome to the twentieth edition of Senior Resources’ Directory of Services for Older Adults in Northeast Wisconsin. This directory was developed to assist older adults and fam- ily members locate appropri- ate health care and housing options in Brown, Calumet, Door, Fond du Lac, Green Lake, Kewaunee, Manitowoc, Marinette, Marquette, Oconto, Outagamie, Shawano, Sheboygan, Waupaca, Waushara, and Winnebago counties. This directory is broken down into sections. Each sec-

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F or information on S enior S ervices in Wisconsin, visit our website www.seniorresourcesonline.com

a dult d ay S eRviceS H ome H ealtH a gencieS •Adult Day Services Article . . . . . . . . . . . . . . . . . . . . . . . . . . .20 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 c aRe c ooRdination •Care Coordination Article . . . . . . . . . . . . . . . . . . . . . . . . . . .26 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28 c ommunity b aSed R eSidential f acilitieS (a SSiSted l iving ) •Community Based Residential Facilities Article . . . . . . . . . .30 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34 •Home Health Article . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .76 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .78 H ome c aRe / n on -m edical •Home Care / Non-Medical Article . . . . . . . . . . . . . . . . . . . . .86 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .88 •Long Term Acute Care (LTAC) Hospitals Article. . . . . . . . . .118 •Hospital Article . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .120 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .121 R eSidential c aRe a paRtment c omplexeS (a SSiSted l iving ) •Residential Care Apartment Complexes Article . . . . . . . . .130 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .134 •Senior Housing Overview . . . . . . . . . . . . . . . . . . . . . . . . . .148 •Retirement Communities . . . . . . . . . . . . . . . . . . . . . . . . . .149 •Independent Senior Housing . . . . . . . . . . . . . . . . . . . . . . .150 •Housing Listings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .151 •Subsidized Housing Article . . . . . . . . . . . . . . . . . . . . . . . . .184 •Subsidized Housing Listings . . . . . . . . . . . . . . . . . . . . . . . .186 •Hospice Article . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .102 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .104 H ome m edical e quipment & S upplieS •Home Medical Equipment Article . . . . . . . . . . . . . . . . . . . . . . . .114 •Home Medical Equipment Listings . . . . . . . . . . . . . . . . . . . . . . .115 H oSpice S eRviceS H oSpital S enioR p RogRamS S enioR H ouSing a bout tHe d iRectoRy table of contentS •Introduction and Overview of Directory . . . . . . . . . . . . . . . . . .1 •What is the IRIS Program? . . . . . . . . . . . . . . . . . . . . . . . . . . .3 •Obtaining Additional Copies . . . . . . . . . . . . . . . . . . . . . . . . . .4 •Map of Northeast Wisconsin . . . . . . . . . . . . . . . . . . . . . . . . ..4 •Managing Alzheimer’s or Dementia . . . . . . . . . . . . . . . . . . . .5 •What is an ADRC? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 •Aging & Disability Resource Centers / Alzheimer’s Assistance . .7 •Family Care & Family Care Partnership . . . . . . . . . . . . . . . . .8 •What is a Dual-Eligible Special Needs Plan? . . . . . . . . . . . .10 •Overview of the Medicare Program . . . . . . . . . . . . . . . . . . .12 •Overview of the Medicaid Program . . . . . . . . . . . . . . . . . . . .13 •Elder Law & Estate Planning . . . . . . . . . . . . . . . . . . . . . . . .14 •3 Ways of Paying for Nursing Home or Assisted Living Care . . .16 •What is a Senior Care Advisor . . . . . . . . . . . . . . . . . . . . . . ..18

S E N I O R

R E S O U R C E S

GARy KnIPPEn President info@seniorresources online.com ]OE LAuERMAn Production Coordinator jlauerman@wi.rr.com Senior Resources, Inc. P.O. Box 285 Germantown, WI 53022 tel: (262)-253-0901 fax: (262)-253-0903 info@seniorresources online.com

SCAN TO VISIT

OUR WEBSITE!

Note: Every effort was made to verify the accuracy of the information contained in this directory. This infor- mation is provided with the understanding that the con- sumer will contact providers to obtain infor- mation themselves prior to making a final decision regarding services. Advertisements do not con- stitute endorsement by Senior Resources, Inc. All rights reserved. The con- tents of this publication may not be reproduced without written consent of the publisher.

S killed n uRSing f acilitieS

•Skilled Nursing Facilities Article . . . . . . . . . . . . . . . . . . . . .194 •Provider Listings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .196

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If you want to enroll in IRIS, you will need to contact your local Aging and Disability Resource Center (ADRC). ADRC represen- tatives offer free, unbiased infor- mation about long-term care options and resources in Wisconsin for older adults, peo- ple with disabilities, and their families. To locate the ADRC in your county, visit: www.dhs.wiscon- sin.gov/adrc

W hAT IS ThE IRIS P ROGRAM ?

RIS (Include, Respect, I Self-Direct) is Wisconsin’s self- directed long-term care program for older adults and people with disabilities who are eligible for Medicaid. IRIS is designed to help you live your life with the support you need. How it works you have many choices when you join IRIS. Once a budget is established for you based on your long-term care needs and goals, you will choose: • What goods, supports and services you need. • When and where you want your supports provided. • Who will provide them. All IRIS participants have a support and service plan. IRIS has a broad set of services available for you to maintain or improve your quality of life. Support from others you’re responsible for manag- ing your IRIS budget, acting as an employer to workers you choose to hire and following IRIS program rules. however, joining IRIS doesn’t mean doing things all by yourself. you will have others to help you along the way. Every IRIS participant has an IRIS Consultant Agency (ICA) and Fiscal Employer Agent (FEA)

to help support them in self- direction and handling the requirements of the IRIS pro- gram. your IRIS consultant will work with you one-on-one, get to know you and learn what is important to you. Where can i learn more about iRiS and how do i enroll?

Source: WI Department of health Services website and IRIS Participant handbook

For some, self-direction is a new idea. At TMG, Wisconsin’s 1 st IRIS Consultant Agency, it’s all we do.

tmgwisconsin.com (844) 864-8987

Local. Experienced. Resourceful. Ask your Aging and Disability Resource Center about your long-term care options.

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n EED A DDITIOnAL C OPIES ?

Professionals – Senior Resources’ Directories are provided free to profession- als. These directories can be given out to older adults and family members to assist them in locating appropriate services. If you are a profes- sional working with older adults and need additional copies, please call or e-mail us and we will be happy to get you additional copies. Individuals –We do provide these directories to profes-

our comprehensive website of Services for Older Adults in the state of Wisconsin at www.seniorresourcesonline.com. Senior Resources, Inc. PO Box 285 Germantown, WI 53022 262-253-0901 info@seniorresourcesonline.com

sionals to give out to the community. If you can’t find a copy or want a copy of any of our other directories, please call or e-mail us. We do ask for a $3 donation if possible to help cover our shipping costs. If you are looking for Wisconsin based services in areas where we do not print a directory, please check out

m ap of n oRtHeaSt W iSconSin c ountieS

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support to help you navigate this journey. In northeast Wisconsin there are Caregiver Coaches, Resource navigators, Dementia Care Specialists, Memory Cafés, and more to help ease the chal- lenges of the dementia journey. To access dementia resources, Fox valley Memory Project can connect you with services, activi- ties, support groups and more. Call 920-225-1711 to talk to a Resource navigator for free today. Article submitted by Harper Smith, a social worker at Fox Valley Memory Project managing the Memory Link Resource Navigator program.

ave you noticed changes in yourself or a loved one? Maybe it’s trouble remembering things or having difficulty completing tasks that were once routine. When we age, our brain changes, but not all of these changes are “normal.” Getting a diagnosis is the key to understanding what is happening and getting the right help. Dementia is more than just memory loss, it is impairment of brain function that affects things like social skills, problem solving, judgment, and more. Dementia can be diagnosed by a primary care physician or by a special- ized doctor like a neurologist. The uW-Madison Wisconsin Alzheimer’s Institute maintains a network of Memory Diagnostic Clinics who use a team of dementia care experts to do high-quality, thorough, inter- disciplinary evaluations. To find the list, go to www.wai.wisc.edu/memory- clinic-finder. During a diagnosis appoint- ment, providers may seek input from the patient and their loved ones to get a clear picture of the symptoms. Tests could include verbal or writ- ten tests, lab work, and imag- ing. The diagnosis process is important to help rule out any reversible causes of dementia including, thyroid problems, depression, sleep apnea and more. While Alzheimer’s is the most common form of dementia, other conditions

M AnAGInG A LzhEIMER ’ S OR D EMEnTIA

like Mild Cognitive Impairment (MCI),

Parkinson’s Disease, Lewy Body Disease, and more can also cause dementia. having an accurate diagnosis can help inform the best course of treat- ment and support for the patient. If you or a loved one are living with dementia, there is local

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WhAT IS An ADRC?

benefit counseling: • Benefit specialists provide information and advocacy about government and other benefits that you may be entitled to receive, such as Medicare, Medicaid, Social Security, Disability, low income housing, etc. access to funding for long term care: • The ADRC can determine if you will be eligible for public funding for your long term care. • The ADRC can explain the program choices you have that will provide your long term care. These programs include Family Care, IRIS and in some areas Partnership and PACE. Health and Wellness: • ADRC can connect you to wellness programs to help keep you healthy and inde- pendent, such as Stepping On Falls prevention, Living with Chronic conditions and others.

he place for information and assistance! Aging and Disability Resource Centers (ADRCs) are the first place to go to get accurate, unbi- ased information on all aspects of life related to aging or living with a disability. ADRCs are friendly, welcoming places where anyone - individuals, concerned families or friends, or professionals working with issues related to aging or dis- abilities - can go for information tailored to their situation. The ADRC provides information on broad range of programs and ser- vices, helps people understand the various long term care options available to them, helps people apply for programs and benefits, and serves as the access point for publicly-funded long term care. These services can be provided at the ADRC, via telephone, or through a home visit, whichever is more convenient to the individ- ual seeking help. ADRCs are available in all Wisconsin counties. To find an ADRC go to http://www.dhs.wisconsin.gov /LTCare/adrc/index.htm SeRviceS pRovided by tHe adRc information and assistance: • Information about local ser- vices and resource • Assistance in finding ser- vices to match your needs o housekeeping and chore services o health (healthy lifestyles, manage- ment of chronic condi- tions, dementia, etc) o Transportation

o nutrition, home delivered meals o housing, including senior and low income housing o Assisted Living, nursing homes and other long term care facilities o Financial assistance linkages o Legal issues (guardianship, power of attorney, client rights advoca- cy) o Abuse, neglect and financial exploita- tion o Adaptive equipment choices you have when making decisions about where to live, what kind of help you need, where to receive that care and help, and how to pay for it. • One-on-one consultation to help you think through the pros and cons of the various options in light of your situation, values, resources and prefer- ences. long term care options counseling: • Information about the

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F AMILy C ARE AnD P ARTnERShIP disabilities •18 or older with intellec- tual disabilities Individuals must also meet these requirements: • Income • Functional • Residency – Family Care is offered in certain counties in Wisconsin. Individuals must live in one of these counties partnership Partnership helps you coor- dinate your health, medical and long-term care needs. All Partnership members are part of a care team. •Together you will discuss your goals, assess your abilities and needs, and name your outcomes. •The team creates a plan just for you to support your health, medical, and long-term care needs. •The plan includes items in the Partnership benefit plan plus other natural supports that will help you achieve your out- comes. •The care team works with you to coordinate all covered health ser- vices. This means they will check with your

providers to see how care is going and help manage special services such as X- rays, tests, and any follow- up care. Who can be a member of partnership? Partnership is for people who need help with their health, medical and long-term care needs and who are: • Frail adults, age 65 or older • 18 or older with a physical or intellectual/develop- mental disability Individuals must also meet these requirements: • Income • Functional • Residency – Partnership is offered in certain counties in Wisconsin. Individuals must live in one of these counties How do i become a member of these programs? The Aging and Disability Resource Center (ADRC) in your county will help you understand your options and determine if you qualify for Family Care, Partnership or another program. To learn more about ADRCs and locate one in your county, visit: www.dhs.wisconsin.gov/adrc/

amily Care and Partnership are programs that help frail seniors and adults with disabilities manage health and long-term care needs. Partnership also pro- vides assistance with medical needs. here’s more information about these programs. family care Family Care helps you coordi- nate your long-term care needs. All Family Care mem- bers are part of a care team. your care team includes you, a care manager and a registered nurse. • Together you will discuss what your goals are, assess your abilities and needs, and name your outcomes. • The team creates a plan just for you to support your long-term care needs. • The plan includes items in the Family Care benefit plan plus other natural supports that will help you achieve your outcomes. • The care manager and reg- istered nurse stay in con- tact with you to ensure all parts of the care plan are working well, and make changes if necessary Who can be a member of family care? Family Care is for people who need help with long-term care and who are: •Frail adults, age 65 or older •18 or older with physical

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F or information on S enior S ervices in Wisconsin, visit our website www.seniorresourcesonline.com

My Choice Wisconsin provides government-funded programs to frail seniors, adults with disabilities, individuals, and families. We care for the whole person and well-being of all by o ff ering services that promote independence, value diversity, and inspire self-advocacy.

800-963-0035 TTY: 711 www.mychoicewi.org/sr

DHS Approved 10/15/2020

For information on long term care options, call your local Aging and Disability Resource Center.

Senior Resources, Inc. specializes in providing comprehensive information on service providers for older adults in the state of Wisconsin.

If you are a consumer or would like to reach a consumer, we have many options available via our catalogs and the world wide web.

Online: www.seniorresourcesonline.com • Email: info@seniorresourcesonline.com Mail: P.O. Box 285, Germantown, WI 53022 • Tel: 262-253-0901 • Fax: 262-253-0903

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W hAT IS A D uAL -E LIGIBLE S PECIAL n EEDS P LAn ? vided directly through Medicare (hospital and physician coverage) but might also get additional benefits not typically cov- ered by Original Medicare. These benefits are usually designed for someone with a limited income in mind. Added benefits often include coverage for over-the- counter and personal care items like vitamins, cold remedies, pain relievers, toothpaste, skin lotion, incontinence supplies, first aid supplies and many other products. There are often benefits for dental coverage (crowns, cleanings, x-rays, fillings, extractions and den- tures), eyeglasses or contacts, meals after a hospitalization, home and bath safety items and modifications, as well as emergency response buttons. Also, dual-eligible individu- als often do not have month- ly premiums to participate in these types of plans. DSnPs include prescription drug Members of this type of plan have the same benefits pro-

or people who have both Medicare and Medicaid, there is a special type of Medicare Advantage plan made just for them – it’s called a Dual-Eligible Special needs Plan, or DSnP. In 2020, more than 2.6 million people were enrolled in a DSnP (CMS, 2020). This type of plan is not new - in fact, DSnPs have been available since 2006. So, what exactly is a DSnP and what makes it attractive? Dual-eligible Special needs Plans are available to people who qualify for Medicaid and Medicare (Parts A and B). People with both these benefits are considered “dual-eligible.” They must also live in a plan’s service area. The benefits provided by Medicare and Medicaid are important to those who receive them. however, understand- ing which program covers what services at what time or for how long can be complicat- ed! Add to that, dual-eligible individuals often have a sepa- rate prescription drug plan. With a DSnP plan, all the ben- efit providers are wrapped up into one neat package. The advantage of a DSnP is that individuals can gain access to more benefits; often with little to no monthly cost.

coverage (Medicare Part D), allowing the member to receive all Medicare benefits through one plan. A DSnP includes some level of care coordination. The plan’s coordinator may help a mem- ber access their providers, schedule appointments, answer questions about bills, and provide reminders about prevention services such as flu shots. The goal of care coordi- nation is to help members maintain their health by hav- ing routine health visits and make sure they are using their benefits to their greatest advantage. Those who qualify for a Dual- Eligible Special needs plan may not need to wait until the annual enrollment period to join. If you are new to Medicare or Medicaid, you may enroll any time of the year. you can learn if you are eligible for a DSnP by contact- ing My Choice Wisconsin at 800-963-0035 or www.mychoicewi.org. you may also contact a State health Insurance Assistance Program (ShIP) advisor or check the Medicare.gov Plan Finder for plans in your area.

Citation: 2020 CMS enrollment data

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my choice Medicare DualAdvantage

My Choice Wisconsin Medicare Dual Advantage (HMO) is a Medicare Advantage insurance plan for people with both Medicare and Medicaid. This plan includes benefits for total wellness like a $100 monthly allowance towards OTC products and a dental benefit that expands your access to care providers. To learn more, call a Medicare Advisor at…

800-963-0035 TTY: 711 www.mychoicewi.org/sr-ne We cover: $0 premium | $0 deductible Part A: HospitalVisits & Expenses Part B: Doctor Visits & Tests Part D: Prescription Drugs

Extra benefits that save you money:

Vision Coverage

After Hospitalization/ Nursing Facility Stay Meals

Over-the-Counter (OTC) Catalog

Dental Coverage

xxxxxxxxxxxxxxxxxx

My Choice Wisconsin Health Plan, Inc. complies with applicable Federal Civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800- 963-0035 (TTY: 711). LUS CEEV: Yog tias koj hais lus Hmoob, cov kev pab txog lus, muaj kev pab dawb rau koj. Hu rau 1-800-963-0035 (TTY: 711). My Choice Wisconsin Medicare Dual Advantage is an HMO SNP (Special Needs Plan) with a Medicare contract and a contract with the Wisconsin Department of Health Services for the Medicaid Program. Enrollment in My Choice Wisconsin Medicare Dual Advantage depends on contract renewal. This is not a complete description of benefits and services. Visit us online or call 800-963-0035 and ask to speak with a Medicare Advisor for information on our 2022 Summary of Benefits.

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Or scan here...

Visit o u r n ewly red esign ed website! www.SeniorResou rcesonline.com

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info@seniorresourcesonline.com

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the patient's responsibility. The 2022 coinsurance amount is $194.50 per day. After the first 20 days, a person must be making "reasonable, measur- able progress" in their rehabilitation, or continue to need "skilled nursing" care to continue on Medicare benefits. Once a person reaches their "maximal potential", Medicare benefits end. This can happen anytime after the first 20 days. • Medicare Part A provides no coverage beyond 100 days Is Home Health Care covered under Medicare? Yes, Medicare pays 100% for all covered and medically necessary home health services under Part A (or Part B if beneficiary does not have Part A) as long as the beneficiary continues to meet the cover- age requirements. Medicare will pay for an unlimited number of visits during an unlim- ited period, as long as it is medically neces- sary and coverage requirements are met. It is the intent of home health visits under Part A to deliver skilled medical attention to homebound patients. Home health care is not available for chronic illness or to help with Activities of Daily Living (ADL's). Requirements include: • Home Health Care Agency must be Medicare certified. • Patient must be under a doctor's care and the doctor must authorize medical treatment. • Patient must be in need of skilled care . Hospice care is a service provided to termi- nally ill persons with a life expectancy of six months or less. Medicare defines a hospice as a public agency or a private organization whose primary role is to provide pain relief and symptom management to terminally ill patients. This benefit does not generally cover inpatient room or board charges. Medicare requirements include: • Doctor certification that patient is ter- minally ill and has a life expectancy of less that 6 months • A Medicare-certified hospice program must provide care Medicare pays 100% of most covered ser- vices. Medicare pays for up to two 90-day periods, one 30-day period, and a fourth unlimited extension period. The beneficiary pays a small co-insurance fee only for out- patient drugs and inpatient respite care. For more information on Medicare, please visit www.medicare.gov.

O vERvIEW OF ThE M EDICARE P ROGRAM Most seniors become eligible for Part A coverage when they reach age 65 and become entitled to Social Security retire- ment benefits. They do not have to pay a monthly payment called a premium for Part A because they or a spouse paid Medicare taxes while they were working. Some seniors, such as those who have not completed the mandatory number of working quarters for Social Security bene- fits, enroll on a voluntary, premium-paying basis. Medicare Part A begins when someone enters a hospital. Medicare Part A has hospital deductibles. • First 60 days, Medicare pays all but $1,556 • Days 61 to 90, Medicare pays all but $389/day • Days 91 to 150, Medicare pays all but $778/day • Beyond 150 days, Medicare pays nothing Remember, Medicare is a health insur- ance program aimed at covering acute health care costs such as hospitalization (Part A) and periodic doctor visits (Part B). It does not cover most nursing home fees, nor does it offer extensive home health care for the chronic ills often expe- riences with age. What does Medicare cover for nursing home care? Very little! Medicare Part A helps pay for inpatient skilled nursing care in a Medicare participating skilled nursing facility (SNF) or rehabilitation ser- vice facility following a 3 day hospital stay if a person's condition requires skilled nursing services or rehabilitation services such as Physical Therapy (PT), Occupational Therapy (OT), and Speech Pathology (SP). Doesn't everyone get 100 days coverage in a SNF? No. Medicare will pay up to 100 days. • Days 1-20, Medicare Part A pays 100% • Days 21 - 100, Medicare pays all but the daily co-insurance amount that is

edicare is a National Health Insurance Program administered by the Health Care Financing Administration (HCFA). Benefits are for: People 65 years of and older. Some people with disabilities under age 65. People with End Stage Renal Disease (per- manent kidney failure requiring dialysis or a transplant) Medicare has Two Parts: Part A (Hospital Insurance) Part B (Medical Insurance) Medicare Part B covers physician services, outpatient hospital care, ambulance ser- vices, prosthetic devices, medical equip- ment, and supplies. You pay the Medicare Part B premium of $170.10 per month for single individuals with an income of less than $91,000 and a married couple with less than $182,000 (2022 rate). • Single with income greater than $91,000 and less than $114,000 or married with income greater than $182,000 and less than $228,000 - $238.10 monthly Part B Premium • Single with income greater than $114,000 and less than $142,000 or married with income greater than $228,000 and less than $284,000 - $340.20 monthly Part B Premium • Single with income greater than $142,000 and less than $170,000 or married with income greater than $284,000 and less than $340,000 - $442.30 monthly Part B Premium • Single with income greater than $170,000 and less than $500,000 or married with income over $340,000 and less than $750,000 - $544.30 monthly Part B Premium • Single with income greater than $500,000 or married with income over $750,000 monthly Part B premium of $578.30 Part A (Hospital Insurance) Medicare Part A primarily provides cover- age for inpatient hospital care. It also pro- vides hospice care. Limited coverage is provided for skilled nursing home and home health. No coverage is provided for assisted living.

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Omnibus Budget Reconciliation Act of 1993 (OBRA'93) provides the legal means for anyone to shelter assets and qualify for financial assistance through an entitlement program. This act pro- tects married individuals from depleting their assets due to an extended nursing home stay. If the couple's combined assets are: $0 - $100,000 "community spouse" may keep .....$50,000+$2,000 $100,001 - $274,800 "community spouse" may keep .....HALF+$2,000 $274,800 + "community spouse" may keep ....$137,400 plus $2,000 for a total of $139,400 These figures are adjusted annually for inflation. For more information, please visit the Wisconsin Medicaid webpage.

O vERvIEW OF ThE M EDICAID P ROGRAM policies is less than $1,500. If the face value exceeds $1,500, full cash value counts towards resource limit. Term insurance has no cash value and is exclud- ed from countable assets. 4. Household goods and per- sonal effects : Generally no inquiry unless reason to suspect unusual value. 5. Pre-paid funeral arrange- ments : Each fiscal group mem- ber may have one or more irrevocable burial trusts, of which the total face value may not exceed $4,500. Any princi- pal amount over $4,500 is a countable asset. Although Wisconsin law allows $3,000 to be irrevocable, Wisconsin’s Medicaid state plan allows an additional $1,500 to be consid- ered as though it were irrevoca- ble by law for these burial trusts. This is why $4,500 is allowed. Married couples can own exempt assets listed above plus: 1. One automobile per household is excluded regardless of the value if it is used for transporta- tion of the eligible individual or couple or a member of the eligi- ble individual's or couple's household. 2. IRA of the community spouse How much money may a couple "Shelter"? The Spousal Impoverishment Act passed by the U.S. Congress in 1988 and the 3. Life Insurance : Life insurance is exempt if the face value of all

his article focuses on the Medicaid program as it applies to elder- ly and disabled individuals. There are three common names for one program. 1. Medical assistance 2. Medicaid 3. Title 19 Medicaid is a welfare program jointly funded between the Federal and State government. It is designed to assist in paying for skilled nursing facility expenses and many other medical expenses for individuals who have mini- mal assets and inadequate income to pay for these expenses. The individual is normally responsible to pay for all of his/her own long term care expenses: generally, if the cost of this care exceeds the individual's income and the individual is asset-qualified, Medicaid supplements the individual's own payment. Within the Federal guidelines, each state is able to establish their own eligi- bility standards, determine the type, amount and duration of services, set the rate for payment of services, and administer their own program. This article will outline the eligibility requirements for Wisconsin as of 2022. A single adult qualifies if they meet the following criteria: The applicant can't retain more than $2,000 plus exempt assets 1. Home : Homestead property is exempt regardless of the value if the applicant intends to return home, or if a disabled child is liv- ing in it. 2. Car : One automobile per house- hold is excluded regardless of the value if it is used for transportation of the eligible individual or couple or a member of the eligible indi- vidual's or couple's household.

Looking For Services

In Other Areas Of Wisconsin?

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lder law Elder law attorneys help clients plan in advance for the costs of long-term care. They also guide families in emergency situations on options to protect assets and maintain control of a loved one's care. When planning prospectively for long-term care, the most important document is a good Financial Power of Attorney (POA). If you are worried that the costs of nursing homes and care will deplete your assets, and you will find yourself with- out money available to direct your care or provide care for your spouse, then you must give your POA the authority to work with an elder law attorney. The two programs available to help people afford the costs of long-term care are Medicaid and the Department of veteran's Affairs Improved Pension Program (commonly called Aid & Attendance available to wartime veterans and their spouses). Qualified attorneys can help families gain access to assistance and understand the options available to maintain assets and control while using the different programs. Families can become over- whelmed by all of the responsi- bilities: completing numerous applications for facilities, pro- grams, and benefits, finding the right information, protecting funds and property, advocating for medical care, and honoring the wishes of loved ones. Elder Law attorneys can help families

does not protect assets from the costs of long-term care, i.e. the assets are still countable for Medicaid. using a trust gives your loved ones a plan for your estate that maintains privacy and minimizes administrative fees. conclusion Whether Elder Law or Estate Planning, always seek an experi- enced attorney who focuses their practice in the those areas. This can be a confusing and, in the case of Elder Law, a stressful time for clients and their loved ones. End of life decisions, med- ical care, benefit programs and qualifications, inheritances, cost of care, legal documents, and access to information all can become complicated issues where everyone seems to have a different answer. The best advice comes from a team that includes your finan- cial advisor, your tax advisor, your senior advisor, and your estate planning or elder law attorney. Take the steps to make sure they are there to help you and your loved ones when needed. Article submitted by Attoney Sarah J. Kons, a partner with Hooper Law Office, LLC. She is also accredited by the Department of Veteran's Affairs to plan for Veterans and their spouses. The Attorneys at Hooper Law Office practice solely in Estate Planning & Elder Law, teaching locally and nationally on those topics.

E LDER L AW & E STATE P LAnnInG

navigate the system and plan to afford care. estate planning Wills A Last Will and Testament is a set of instructions intended for the Probate court. The judge uses the Will to determine the distribution of money and property. In Wisconsin, the process takes about a year, and the average cost is 3-5% of the estate. Many people try to avoid Probate through automatic transfers on accounts. These types of trans- fers, such as beneficiary desig- nations, avoid probate, but they lack a central plan. There are no instructions for benefi- ciaries predeceasing, young beneficiaries, beneficiaries with disabilities, etc. trusts A Revocable Living Trust, is an agreement about how assets are managed during someone's lifetime, who man- ages assets during incapacity, and to whom it passes after death. Property passed using a Trust avoids Probate and has a plan for the assets. Importantly, a revocable trust

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You Don’t Have to Do This Alone. Are You Prepared to Help?

Our carin g team of Elder Law p rofessionals is here to su pp ort y ou. Whether y ou are j ust be g innin g this j ourne y or have been hel p in g a loved one for y ears, our team will p rovide the g uidance y ou need. There is value in havin g a p artner on this j ourne y . Come and see what an Elder Law Attorney can do for you and your loved one. 920-574-9190 Your first a pp ointment is alwa y s com p limentar y . TO GET YOU STARTED, HERE IS A LIST OF THE MOST COMMON MISTAKES WE SEE FAMILIES MAKING:

What You Are Probably Doing

What You Should Be Doing

Why it Matters

Acting as a fiduciary on the account or using a trust.

Being a co-owner with your parent subjects their money to your liabilities. The account also becomes solely yours at their death. Having an updated Power of Attorney protects you from potential liability, prevents fraud, and allows you to continue acting for them if they lose capacity. Outright gifting results in a loss of control over their money and endangers their ability to get help when they need it.

Using a joint account with your parent to pay bills.

Forging your parent’s signature.

Make sure there is an updated Power of Attorney in place that allows you to sign documents, use online accounts, and manage assets legally. Work with an experienced Elder Law Attorney to create a plan to protect assets, afford care, and maintain control.

Accepting gifts from your parent.

For more resources visit ElderLawWisconsin.com

920-574-9190 Hoo p erLawO ffi ce.com Hoo p erLawO ffi ce

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3 W AyS OF P AyInG FOR n uRSInG h OME OR A SSISTED L IvInG C ARE sidering nursing home care do not have long-term care insurance and either cannot qualify for the policies or cannot afford the premi- ums. Long-term care insur- ance is therefore often not an option. need baSed goveRn- ment benefitS - This leaves veteran’s Benefits and the Medicaid program. In Wisconsin, Medicaid pays for almost all nursing homes including the finest of facilities and Medicaid increasingly covers assisted living facilities as well. But in order to qualify for Medicaid, applicants must be below a certain amount in savings and income. What elder law attorneys do: Among other services which enhance quality of life, Elder Law Attorneys help people to ethically and legally convert a countable savings to a non-countable

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ursing homes and assisted living facilities can be very expensive but there are ways to make your long- term care dollars stretch. There are three primary methods of paying for nurs- ing homes or assisted living facilities: 1) Private-paying with one’s own dollars; 2) using insurance that cov- ers some or all of the cost of long-term care and 3) need-Based Government Benefits, i.e., vA Benefits and the Medicaid pro- gram. pRivate-paying foR caRe often means total indi- gence. The cost of nursing homes in Wisconsin ranges from $4,000 to $12,000 per month. Assisted living facili- ties are about half the cost of nursing homes but still too much for many to pay with- out outliving their savings. Many people spend all of their savings in nursing homes and then have nothing left. This is not a very good option. long-teRm caRe inSuRance works for some but most people con-

savings, so that Elder Law clients can keep their savings and still qualify for Medicaid. This is done not out of greed but of necessity so that the Elder Law client is not left indigent at the cost of long- term care. In the words of one court, no agency of the government has any right to complain about the fact that middle-class people confront- ed with desperate circum- stances choose *to do Medicaid asset protection planning when it is the gov- ernment itself which has established the rule that poverty is a prerequisite to the receipt of government assistance in the defraying of the costs of ruinously expen- sive, but absolutely essential medical treatment. Want more information? Call Nicole Robbins, Elder Law Attorney with Robbins Law Group at 414-209-5390 to arrange a meeting or go online to www.robbinslawg.com. Virtual meetings are available.

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Virtual Appointments Available

Pro tectin g Yo u r Legacy an d B u sin ess • Elder Law • Estate Planning • Long-Term Care Planning • Medicaid Eligibility and Planning

• Advanced Directives • Powers of Attorney

• Special Needs Planning (414) 209-5390 www.robbinslawg.com

Senior Resources, Inc. specializes in providing comprehensive information on service providers for older adults in the state of Wisconsin.

If you are a consumer or would like to reach a consumer, we have many options available via our catalogs and the world wide web.

Online: www.seniorresourcesonline.com • Email: info@seniorresourcesonline.com Mail: P.O. Box 285, Germantown, WI 53022 • Tel: 262-253-0901 • Fax: 262-253-0903

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W hAT IS A S EnIOR C ARE A DvISOR ? results, pricing, and unique offerings. Many Care Advisors are also certified through the Society of Certified Senior Advisors. This certification requires passing a test on common issues facing seniors such as insurance, Medicare/Medicaid, com- mon medical conditions, and social and financial challenges. The certification also requires significant continuing education cred- its, compliance with a code of ethics in working with seniors and a comprehen- sive background check. Other advisors have creden- tials such as degrees in nursing, social work or physical therapy. How does it Work? When you meet with a Senior Care Advisor, they will take the time to under- stand your situation; ask you questions about the elders’ care needs and pref- erences, their budget, and their goals, their interests, and concerns. With this valuable information, the advisor is then able to make

hen it comes to under- standing senior housing, many families don’t know where to turn. One great option is to partner with a local Senior Care Advisor. While they all offer a similar service, each Senior Care Advisor will do things a little bit different. here are some things you need to know before you start working with a Senior Care Advisor. What is a Senior care advisor? Senior Care Advisors are pro- fessionals who help seniors, and their families navigate the daunting, and often-over- whelming task of finding appropriate and affordable senior care and living options. A skilled Senior Care Advisor brings confidence and peace of mind to families who are unsure of where to start their eldercare journey. Depending upon the organization, the services for the help of a Senior Care Advisor are often paid for by the assisted liv- ings and home care agencies, making it a no-cost service to the senior or their family. Partnering with a Senior Care Advisor is often an ideal first step in exploring options. They are experts with the communities and services they work with. The Senior Care Advisor will provide you with information about a senior living community’s care capability, state survey

appropriate and personalized recommendations for care and housing that is specific to the individual's needs. Some Senior Care Advisors will even tour and interview care facilities alongside the family, making sure that they are asking the right questions and getting the critical infor- mation that they need to make the best decision for the elder. Senior Care Advisors also connect families with other relevant local resources such as home care providers, spe- cialized Elder Law Attorneys, Financial Advisors, veterans & Elder Care Benefits, Moving/downsizing Services, or any other resources that would be helpful. Families benefit from a team of advi- sors that are operating in the Seniors best interest. Let a Senior Care Advisor help lead the way. Whether you are planning, or you need help with senior housing today, partnering with a credible Senior Care Advisor will relieve the stress, fear, and uncertainty in the decision-making process. Article submitted by Michelle Graf, Owner of CarePatrol of the Fox Cities. Michelle also has

earned an MBA and is a Certified Senior Advisor ®

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A DuLT D Ay S ERvICES opportunities and hands-on opportunities within program- ming. With the option of various services, there is programming appropriate for wherever an indi- vidual might be within their life, disease process, and/or disability journey. • Emotional and Psycho-social: Jane E. Brody in her article ‘The Surprising Effects of Loneliness on Health,’ and The New York Times’s department The Upshot last December, Dr. Dhruv Khullar, found evidence that social isola- tion can disrupt sleep, cause abnormal immune responses and accelerated cognitive decline, and that loneliness raises stress hor- mones and inflammation which can increase the risk for heart disease, suicide attempts, arthri- tis, and Type 2 diabetes. Adult Day Centers offer social engage- ment opportunities and allow individuals to get out of the home, avoiding social isolation and therefore increasing overall health. Not only do Adult Day Services benefit the program member emotionally, but family and caregivers as well. Additionally, operating normal business hours, 5 days a week and sometimes weekends, family members are able to receive respite. • Environmental: Programming offers the ability to get outside and be hands on with nature. One’s environment is supportive and structured, based off individ- ual need and perception. This

dult Day Services offer a safe and supervised community based set- ting for those with or without disabili- ties while embracing all aspects of Healthy Aging, a current movement which focuses on maintaining several aspects of a person’s wellbeing, which will be discussed in the following paragraphs. By using an individual- ized approach and plan, which incor- porates these healthy aging aspects, services can assist in maintaining an individual’s personhood and provide purpose. Adult Day Services prides itself on the embodiment of these aspects of healthy aging: • Physical: Physical activity such as walks, stretches, chair yoga, danc- ing, and exercise are part of a nor- mal program routine as well as preventative educational speakers. These activities have brought improvement in cognition, balance and stamina, and prevent cardio- vascular disease and diabetes. Depending on one’s physicality, personal cares, health screening and monitoring, therapy and reha- bilitative services may be included within his/her care plan. If accessi- bility to the center is an issue, indi- viduals can look into the Adult Day Center’s transportation services. • Nutritional: Adult Day Services offer snacks throughout the day and often a nutritional meal. • Cognitive, Intellectual and Occupational: Centers offer various program options apart from social programming, ranging from cogni- tive stimulation programs, memory training programs, and educational programs for work and indepen- dent living skills. Social programs will also offer cognitive stimulating activities and build on the skills of individuals through reminisce

environment fosters safety balanced among other physical attributes and fosters exploration. • Spiritual: Though often broad, there are centers that offer reli- gious-based activities within pro- gramming. • Financial: Adult Day Services are considerably more affordable ($61/day) than nursing homes ($225/day), assisted livings ($119/day), or in-home care ($164-$220/day). Many Adult Day Services also offer funding and subsidized costs to make these fees even more affordable. Family mem- bers are also able to continue to work and nursing home placement is delayed. The Chair of the National Prevention, Health Promotion, and Public Health Council states that since 2011, the first wave of the baby boomer gener- ation over the age of 65 has reached 46 million and is projected to reach 74 million by 2030. Americans 65 years old today, can also expect to live an additional 19 years, and wish to remain independent within their homes as they age. In order for indi- viduals to be successful with their goals of independence, these aspects of healthy aging are crucial. Adult Day Services fills both of these needs with its structured and social envi- ronment while embracing all aspects of Healthy aging. Submitted by Curative Connections. Curative Connections is an Adult Day Center that offers a wide range of programming, pro- viding overall wellness.

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