As your parents get older, they may need help cleaning the house, managing their money and visiting the doctor. The prospect of caring for your ageing parents can seem daunting. That’s why we’ve put together a small list of tips to get you started:
Talk about Their Current Issues
Parents may be afraid to discuss their current situation, but if you’re going to help them, they’ll need to start opening up. Talk to your parents about their current medical and financial problems. Discuss their current health and where they can expect to be in a few years. Discuss their current income and expenditures. You may need to start planning for increased medical expenses and out of pocket costs like home healthcare. This could be paid for out of savings or by cutting costs in other areas.
Find the Right Health Insurance
Naturally, older people are going to need to visit medical specialists and require services not covered by Medicare. Whether it’s getting their eyes checked, buying hearing aids, or having dental work done. That’s why it’s important to compare health insurance plans with Iselect and find the best possible coverage. Start by checking what policy gives you the best access to private hospitals in your area and what’s exactly included in their services. Depending on the state you live in, you may want ambulance coverage too. Good private coverage can improve their quality of life or even save their life. For example, if they’re concerned about an issue, they might wait months to see a specialist if they’re relying on Medicare. If they need surgery like a hip replacement or cataracts removed, they could wait months or years. Get private health coverage and know that they’ll be in safe hands, with access to medical services at their fingertips.
Plan for the Short and Long-Term
If your parents’ health is significantly declining, discuss activities they want to get involved in. Whether it’s taking classes or teaching things to the grandchildren, find ways to keep them busy and engaged. Compare their current health and abilities to their living arrangements. Mum may need to move into a one-story apartment if it’s getting hard to get up the stairs. For those with mobility and balance problems, setting up support systems is necessary for them to continue to live independently as long as possible. Parents with dementia should start learning about assisted living facilities. The sooner they start getting their affairs in order, the easier the transition will be.