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!
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
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
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.
A type of Advance Directive which states your medical wishes in case you are unable to make them yourself
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)`
Government funded health insurance for folks 65 and over. Many Medicare members also qualify for Medicaid
An extra private insurance policy which helps pay for some of the coverage gaps in Traditional Medicare
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
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!