Medicare… Medicaid… Medi-WHAT? Here at Cariloop, we deal with Medicaid and Medicare on a daily basis.  It’s easy for people to get the two programs confused and it can have serious consequences when they do.  So, here is just a bit of background that might help ease confusion. Medicaid and Medicare both came into existence […]

I often encounter caregivers who have questions on their loved one’s insurance policy. Many times individuals over the age of 65 have not only primary policies, but often times have secondary or supplemental policies as well. Knowing what these policies are and how they work together is key in making sure your loved one is […]

In an age where we are all living longer, with more diseases, and healthcare expenses continue to rise at rapid and unsustainable rates, can we afford not to have long-term care insurance? In order to understand, you must educate yourself. First, long-term care isn’t offered in many countries outside of the United States; research showed […]

During the holidays, it’s easy to get wrapped up in all of your responsibilities: planning parties, welcoming out of town guests, taking care of your kids and taking care of your own parents. With so many things on your plate, thinking about your own health is often the last notch on your list of to-do’s. […]

Paying for the care of your loved one often comes with an expensive price tag. Most people over 65 years old are likely to receive a monthly Social Security check, but this check alone is typically not enough to pay for in-home care, assisted living or nursing home care. For veterans, however, additional money may […]

Life is full of transitions. From a child’s first day of school to the launching of a young adult’s career to an older adult’s retirement party, these planned transitions can be filled with anticipation and excitement. Life often delivers unexpected transitions, too.  A natural disaster, a medical emergency, the loss of a job; these situations […]

“Medicare is complicated!” I hear this all the time from family members, clients and the general public. The reality is Medicare is only complicated if we don’t know how it works. Every time I give a presentation on this subject, I begin by taking a poll of the audience to see who has it and who […]

Anyone who has taken on the care of an aging family member knows how time-consuming, complex and expensive it can be. Here are a few basic suggestions to ease the legal and financial struggles of caregiving.   Have the difficult conversations in advance Healthcare and finance are topics that most families do not like to talk […]

Long Term Care Insurance is the financial elephant in the room for many Americans.  The costs of paying for a nursing home or assisted living seem overwhelming, but, then again, so does the prospect of applying for long term care insurance.  If you’re in the planning phase, here are a few things that you should […]