Kinto Jargon Buster

We hate jargon. It seems like every time you talk to anyone in the senior care world, all you hear are a bunch of technical terms that somehow you’re supposed to already know! We try as hard as possible to explain the system without using too much jargon, but sometimes that’s just not possible. So here is a quick list of the most important terms we run into and what they mean in simple plain english!

Advance Directive:
A legal document that states what medical actions should or should not be taken if you are unable to make your own decisions. For example, an Advance Directive might say that you do not wish to be placed on a breathing machine if there is no prospect for recovery

Assisted Living Facility (ALF):
A long term living facility for seniors who need regular help with things like meals, bathing, and taking medications, but do not need the constant medical attention of a Nursing Home

Co-pay:
The amount you have to pay out of your own pocket for a doctor's office visit or medical procedure in addition to what your insurance covers

Deductible:
The amount you have to pay out of your own pocket *first* before your medical insurance starts paying

EOB (Explanation of Benefits):
A document from your insurance company that (hopefully) explains what medical procedures were done and how much your insurance company covered

Financial Power of Attorney:
A legal document that authorizes you to make financial decisions for your loved one like paying bills, depositing checks, and investing money.

Living Will:
A type of Advance Directive which states your medical wishes in case you are unable to make them yourself

Medicaid:
Government funded health insurance for folks with limited income and wealth (sometimes renamed by the State, like Healthy Connections in South Carolina or Medi-Cal in California)`

Medicare:
Government funded health insurance for folks 65 and over. Many Medicare members also qualify for Medicaid

Medigap:
An extra private insurance policy which helps pay for some of the coverage gaps in Traditional Medicare

Nursing Home:
A long term living facility for seniors who need more intensive medical care than an Assisted Living Facility can provide

Power of Attorney (POA):
A legal document that allows you to make important decisions on behalf of your loved one

Premium:
The amount you have to pay each month for your insurance

Skilled Nursing Facility (SNF sometimes called a "Sniff"):
Similar to a Nursing Home, but certified and regulated by the Centers for Medicare and Medicaid. Provides medical services for long term care and during recovery after a serious incident or operation.


Something missing or wrong? Please let us know!