There’s no denying that winter brings with it a certain charm, but it also comes with its own set of challenges. One of the biggest challenges is dealing with snow. Snow removal can be particularly difficult for elderly people because shoveling snow is not only time-consuming but also physically demanding. Thankfully, electric snow blowers offer a solution that is both efficient and easy to use. In this article, we’ll take a look at the best electric snow blowers for elderly people in 2023, along with key features to consider, tips for safe and efficient snow blowing, and alternatives to electric snow blowers.

Why Electric Snow Blowers are Ideal for Elderly People

If you’re an elderly person, you’ll know that physical exertion and stamina are limited at this stage of life. Thus, handling a heavy and cumbersome gas-powered snow blower may not be the best option for you. Instead, electric snow blowers are lightweight, easy to operate, and much more efficient than traditional shovels or gas blowers. Let’s take a closer look at some of the key benefits of electric snow blowers for senior citizens.

Ease of use and maintenance

Electric snow blowers are designed to operate with ease, requiring minimal effort to start up and control. Unlike gas-powered models, electric snow blowers don’t require any gas or oil to run, which means less maintenance and a cleaner operation overall. This is especially beneficial for elderly people who may not have the physical ability to perform regular maintenance on a gas-powered snow blower.

Another advantage of electric snow blowers is that they are typically equipped with simple and intuitive controls. This includes an electric start, no more pull starting. This means that elderly people can easily learn how to use them without having to worry about complicated buttons and levers.

Lightweight and maneuverable

One of the biggest factors that make electric snow blowers ideal for elderly people is their weight. They are typically designed to be lightweight and easy to maneuver, making it easier to clear snow from even the toughest spots. They’re also often smaller and more compact than gas-powered models, so they can easily be stored in a garage or shed.

Electric snow blowers are also known for their ease of handling. They are equipped with adjustable handles that can be adjusted to the height of the user, reducing the risk of back strain or other injuries. This is especially important for elderly people who may have limited mobility or strength.

Environmentally friendly

Electric snow blowers are much more environmentally friendly compared to gas-powered models. They don’t emit harmful greenhouse gases and run quietly, making them ideal for use in residential areas. This means that elderly people can use them without having to worry about harming the environment or disturbing their neighbors.

In addition, electric snow blowers are often made from recycled materials, making them a sustainable choice for the environmentally conscious. This is a great option for elderly people who want to do their part to protect the planet.

In conclusion, electric snow blowers are an excellent choice for elderly people who want a lightweight, easy-to-use, and environmentally friendly option for clearing snow. With their simple controls, adjustable handles, and efficient operation, they offer a safe and effective way to keep driveways and sidewalks clear during the winter months.

Top 5 Electric Snow Blowers for Elderly People

As we age, shoveling snow can become a difficult and even dangerous task. That’s why electric snow blowers are a great option for elderly people who want to keep their driveways and sidewalks clear without risking injury. These machines are easy to use, lightweight, and require minimal maintenance.

Now that we’ve established the advantages of electric snow blowers for elderly people, let’s take a more in-depth look at the top 5 electric snow blowers that are perfect for them:

1. Snow Joe SJ627E 22-Inch 15-Amp Electric Snow ThrowerBrand and Model

• Amazon Bestseller, Low Cost, Cordless Snow Blower

2. EGO Power+ SNT2102 21-Inch 56-Volt Cordless Snow Blower

• Expensive, Versatile Battery System, Clear snow well on single pass.

3. Greenworks 13 Amp 20-Inch Corded Snow Thrower

Corded, good for heavy snowfall, good for wet snowfall

4. Snow Joe Ultra SJ620 18-Inch 13.5-Amp Electric Snow Thrower

• Smaller Driveways, Good Warranty

5. WEN 5664 Snow Blaster 13.5-Amp 18-Inch Electric Snow Thrower,Black

• Smaller Driveways, expensive for size

Bestseller No. 1

AMERISUN Corded Electric Snow Blower 18-Inch Snow Thrower with 15 Amp Motor, 2200 RPM Rubber Auger, 30 Ft Throw Distance, Lightweight Snow Removal Machine for Sidewalk, Patio & Small Yards

• HIGH-PERFORMANCE 15 AMP ELECTRIC MOTOR – Powered by a robust 15-amp motor with a 2200 RPM auger, this electric snow blower delivers fast and reliable snow clearing for driveways and sidewalks. Designed for residential snow removal, it handles light to moderate snowfall efficiently while staying eco-friendly, quiet, and maintenance-free—no gas, oil, or fumes required.
• 18-INCH CLEARING PATH & UP TO 30 FT THROW – Clear snow faster with an 18-inch wide intake and up to 8 inches of clearing depth in a single pass. This corded snow thrower launches snow up to 30 feet away, helping keep driveways, patios, and walkways clean and safe. Ideal for homeowners with small to medium-sized yards.
• INSTANT START, CONSISTENT CORD-POWERED PERFORMANCE – Simply plug in and press the start button—no pull starts or cold-weather hassles. This corded electric snow blower provides steady power even in freezing temperatures, making it a dependable choice for daily winter snow removal with minimal maintenance.
• 180° ROTATING ADJUSTABLE CHUTE – The fully adjustable 180-degree chute allows you to control both the direction and height of snow discharge. Easily direct snow exactly where you want it, whether clearing a driveway, sidewalk, deck, or patio, for precise and efficient snow throwing every time.
• LIGHTWEIGHT, COMPACT & EASY TO STORE – Weighing only 31 lbs, this lightweight snow blower is easy to maneuver, lift, and store. Its compact design makes it perfect for women, seniors, and homeowners looking for a portable snow removal machine that fits neatly in garages or sheds without taking up extra space.

Buy on Amazon

Bestseller No. 2

Corded Snow Blower:15A Motor, 20-Inch Electric Snow Blower, Electric Snow Shovel with 25ft Throwing Distance, Dual LED Lights, 3300rpm Snow Thrower DEKOPRO

• Efficient Removal: Our 20 electric snow thrower is great for safe, easy and quick snow removal from driveways, sidewalks, walkways, porches and decks
• Powerful Motor: 15 amp motor blows up to 800 pounds of snow per minute and the 180-degree adjustable chute throws snow up to 25 feet off your driveway
• Clearing Width: 2 blade steel auger cuts a path that’s 21 inches wide and 12 inches deep for efficient snow removal
• Dual-Action Safety Switch: Confident Control, Even with Gloves.Pressing the safety lock before pulling the trigger. This intentional design prevents accidental activation
• Dual LED Headlights: The electric snowblower features two built-in LED lights thatIlluminate your path and clear snow safely in low-light conditions,this snowblower is perfect for driveways and large parking areas

Buy on Amazon

Bestseller No. 3

SENIX 60V 21″ Cordless Snow Blower, Steel Auger, 3500W Brushless Motor, Heated Handle,13″ Depth, 45FT Throw Distance, LED Lights, 16000mAh Batteries(Single Box) & Dual Port Charger,1200lbs/min

• CLEAR SNOW IN MINUTES: Take control of your winter snow removal with the SENIX 60V 21″ Single Stage Snow Blower; The electric snow blower provides a 21″ snow clearing width, 13″ clearing depth and 45′ throw distance, perfect for driveways and sidewalks
• POWERFUL MOTOR: Brushless motor powers the dual blade auger through up to 1200 lbs of snow removal per minute; Choose from two selectable auger speeds to maximize either power or runtime, depending on your needs; Rubber augur minimizes damage to surfaces
• ELECTRONIC ADJUSTABLE CHUTE: Rotate the chute up to 200° for precise snow placement with the push of a button for maximum efficiency and convenience; 8″ all-terrain wheels ensure smooth transport and maneuverability across snow-covered or uneven surfaces
• VISIBILITY AND COMFORT: Upper and lower LED headlights provide visibility in low light conditions, making it easier to use the snow blower during mornings or evenings; Keep your hands warm and comfortable during cold winter days with built-in heated grips
• WHAT’S INCLUDED: The cordless electric snow blower comes with a 60V Max* lithium-ion battery and battery charger; Snow thrower is covered by a 5-year limited warranty; Battery & charger are covered by 3-year limited warranty

Buy on Amazon

Snow Joe SJ618E-P2 Electric Walk-Behind Single-Stage Snow Blower, 18-inch, 13-Amp

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WEN 5664 Snow Blaster 13.5-Amp 18-Inch Electric Snow Thrower,Black

$76.10

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02/11/2026 03:14 pm GMT

Key Features to Consider When Choosing an Electric Snow Blower

Winter can be a beautiful time of year, but it can also be a challenging one. Snow can pile up quickly, making it difficult to clear your driveway, sidewalks, and other areas around your home. That’s where an electric snow blower comes in handy. It’s a powerful tool that can help you clear snow quickly and efficiently. However, with so many models available on the market, it can be challenging to choose the right one for your needs. In this article, we’ll take a look at some of the key features you should consider when choosing an electric snow blower.

Power and Performance

The power and performance of an electric snow blower are crucial factors to consider when choosing a model. The power of a snow blower is measured in amps, and the higher the amp rating, the more power the machine has. Additionally, you should also look out for the model’s clearing capacity and maximum depth, so you can choose a model that can handle the amount of snow in your area. For instance, if you live in an area that gets a lot of snow, you’ll want to choose a snow blower with a high amp rating and a large clearing capacity to ensure that you can clear snow quickly and efficiently.

Clearing Width and Depth

The clearing width is the amount of snow a snow blower can remove in a single pass. A larger clearing width will help you clear snow more quickly, but it may also add weight and bulk to the snow blower. Additionally, you should also consider the maximum depth of snow that the snow blower can clear, depending on the model. Some models can clear snow up to 12 inches deep, while others can handle deeper snowdrifts.

Adjustable Chute and Deflector

An electric snow blower should have an adjustable chute and deflector, which allows you to control the direction and distance that the snow is thrown. This feature is particularly useful when you’re clearing snow from a tight space such as a walkway or driveway. With an adjustable chute and deflector, you can easily direct the snow where you want it to go, ensuring that you don’t accidentally throw snow onto your neighbor’s property or your car.

Ergonomic Design and Comfort Features

When operating a snow blower, you want to make sure that you’re comfortable. Look out for models that have comfortable grips for better control, adjustable handles for different heights, and other ergonomic features that allow you to customize the operation of the snow blower for your comfort. Some models even come with heated grips to keep your hands warm while you’re clearing snow in the cold winter weather.

Safety Features

While an electric snow blower is a powerful tool, it can also be dangerous if not used correctly. That’s why it’s essential to choose a model with safety features to prevent accidents while in operation. Look out for models that have safety switches, automatic shut-off features, and other safety features to protect you while you’re using the machine. Additionally, it’s important to read the manufacturer’s instructions carefully before using the snow blower to ensure that you’re using it safely and correctly.

With these key features in mind, you’re ready to choose the perfect electric snow blower for your needs. Whether you’re clearing snow from your driveway, sidewalks, or other areas around your home, an electric snow blower can make the task easier and more efficient. With the right model, you’ll be able to clear snow quickly and get back to enjoying the winter weather in no time.

Tips for Safe and Efficient Snow Blowing for Elderly Users

Snow blowing can be an excellent form of physical exercise, but it’s essential to do it safely and efficiently. Here are some tips to help you blow snow safely and efficiently:

Proper snow blowing technique

One of the most important things to do when snow blowing is to use proper technique. Avoid lifting snow as much as possible, and instead, push the snow blower through the snow. This method reduces the amount of physical exertion you need to use when clearing snow. Additionally, make sure that the snow blower’s chute is pointing away from any cars or people to avoid accidents.

It’s also important to note that you should never attempt to clear snow from a roof using a snow blower. This can be incredibly dangerous and lead to serious injury. Always hire a professional to clear snow from your roof.

Dressing for the weather

Dress warmly in multiple layers to keep yourself dry and warm. Avoid any clothing that might get caught in the snow blower, such as long scarves or baggy jackets. You should also wear waterproof boots with good traction to prevent slipping on the snow and ice.

Additionally, wearing a hat and gloves can help prevent heat loss from your head and hands, keeping you warmer while you work.

Taking breaks and staying hydrated

It’s important to take breaks and stay hydrated while working outside in the cold weather. Make sure to take frequent breaks when snow blowing, and drink plenty of water to stay hydrated. Dehydration can lead to fatigue, which can increase the risk of injury while using the snow blower.

If you start to feel dizzy or lightheaded, take a break immediately and go inside to warm up.

Storing and maintaining your snow blower

When you’re done using your snow blower, store it in a dry area, and cover it to prevent any damage from moisture. Clean the snow blower after each use and follow the manufacturer’s instructions to keep it in good working condition.

It’s also important to have your snow blower serviced regularly to ensure that it’s working correctly. A poorly maintained snow blower can be dangerous to use and may not clear snow efficiently.

By following these tips, you can safely and efficiently clear snow from your property, making winter a little more manageable for elderly users.

Alternatives to Electric Snow Blowers for Elderly People

While electric snow blowers are an ideal solution for elderly people, some alternatives can be used if you prefer not to use one. Here are some of the most popular ones:

Snow removal services

Snow removal services are often offered by local contractors or landscaping companies, and they can save you time and energy if you’re not able to snow blow. However, they can be expensive depending on where you live.

Heated driveways and walkways

Installing heated driveways and walkways can be an expensive option, but it’s arguably the easiest one. The heated elements in the driveway and walkway melt any accumulated snow, making it safer and easier to walk.

Manual snow removal tools

If you’re looking for a budget-friendly option, manual snow removal tools such as snow shovels or push brooms can be used to remove snow. However, this method is the most physically demanding and time-consuming option on this list.

Conclusion: Finding the Perfect Electric Snow Blower for Your Needs

Electric snow blowers are a perfect solution for elderly people who need to remove snow from their driveways and walkways safely and efficiently. When choosing an electric snow blower, look out for key features such as power and performance, clearing width and depth, adjustable chute and deflector, ergonomic design, and safety features. By doing so, you can find the best electric snow blower that meets all your needs and preferences. With the help of these snow blowers, you’ll be able to remove snow with ease and enjoy the winter season without any hassles.

For someone who is living with this issue, they may want to have it removed but could be worried about the cost of doing it and whether their insurance covers it. Medical procedures can add up very quickly, so for those who don’t have insurance it could mean the difference between seeking medical attention and not. 

Having an osteoma removed could be covered by private insurance, depending on your policy type and coverage, but it can also – in some cases – be covered by Medicare. Here’s what you need to know about this condition and having insurance cover the costs. 

What Is An Osteoma?

An osteoma is a boney growth that is typically non-cancerous and appears as a hard knot, in a fixed location, on someone’s forehead or scalp usually. Sometimes they can develop in someone’s sinuses, though too. 

This will feel like a hard bump that doesn’t move when you touch it. The size of the bump will depend on the person, as they grow at different rates and people may or may not notice it as easily. A person will be able to move the skin overtop of the bump but the bump itself won’t move around. 

While this condition can happen at any time in a person’s life, but they are most commonly found in people who are between 20 and 40 years old. Additionally, it is most common for people to only have one osteoma but there are some reported cases of multiple osteomas on one person at the same time. 

Osteoma’s usually don’t get infected or drain into cavities in forehead, nor do they contribute to the change of someone’s skin overtime. Additionally, there has not been one cause cited for osteoma’s happening. A few theories include genetics and trauma to the area, where the growth formed as they body’s response. 

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Does An Osteoma Hurt?

Most people who have had this condition report that they do not feel any physical pain or discomfort from having it. However, it does alter a person’s appearance and can really make someone feel self-conscious about their looks.

The majority of cases of people who have the removed are for cosmetic reasons. 

How Is An Osteoma Treated?

When you have an osteoma and you meet with a doctor to have it removed, they should go through the entire process with you and make sure you understand what is going to happen. 

Most removal procedures can be done in a doctor’s office or clinical setting. In some cases, depending on the size and complexity, the removal will be done in an operating room under general anesthesia. 

The doctor will numb the area around the osteoma first to make sure that you don’t feel anything during the procedure. If the removal is being done in an operating room then you will be asleep during the procedure and will wakeup when it’s finished. 

The doctor will then make an incision, usually along the hairline or right above the osteoma – depending on the location. Next, the doctor will shave down the growth (as it is bone). The doctor will continue to shave down the growth until it is flush with the surrounding bone of the face, and it completely gone. 

The doctor will then close the incision for the best cosmetic healed look. The doctor will hide the scar in your hairline or in the natural expression of your face so that it’s not obvious and you may not even notice it when it’s completely healed. 

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Getting An Osteoma Removal Covered By Insurance

Many people report that their private or extended benefits do not cover an osteoma removal. 

The reason behind this is that it is usually considered a cosmetic procedure, and it’s not life threatening to the person who has it. 

Doctors will report that osteomas do not hurt the person who has it, but it can make people feel very uncomfortable with their appearance when they have them. 

So having an osteoma removed and covered by insurance, you may need to try it a few times and get your doctor involved. You will likely need to prove that you need to have it done and your life is otherwise compromised if you don’t. 

Overall, if your doctor can confirm the removal is not purely for cosmetic reasons or to enhance your appearance, most insurance companies will be able to approve at least a portion of the costs to have it done. 

Regardless of whether the procedure is covered, any medications or post-procedure instructions will likely be covered under your regular drug benefit plan. 

Although if you have questions about something specific to your coverage you can always reach out to your benefit provided to ensure you get the most up to date information and know what your out of pocket expenses are likely to be. 

You might like to read: Is Shockwave Therapy Covered By Insurance

Is Osteoma Removal Covered By Medicare?

When you’re on Medicare, you may be covered for certain procedures that you weren’t aware of. When it comes to plastic/cosmetic surgeries, Medicare is usually a little hesitant to automatically cover the cost because it’s not impacting the person’s life in a way that is painful or causing them severe discomfort. 

There are some ways around this in that your doctor may be able to advocate for you and get involved so that Medicare can at least help with some of the cost.

In general, if the osteoma is not causing you pain and discomfort then you will probably have a hard time getting it covered by Medicare. 

For specific information on your coverage and what you may be able to get help with you should contact Medicare (or your direct case worker) to determine if this procedure is an option for you. 

Why Get An Osteoma Removal?

If the osteoma is not causing you any pain or discomfort you may consider not having it removed because it’s really not impacting your life. 

It will alter your appearance, though, and you may feel like people are always looking at it or asking you what it is. This can make almost any uncomfortable, so it might make you feel a little better to have it removed and that way people are not always looking at it. 

In addition to that, when the osteoma is removed your doctor will sent a part of it to the lab for analysis. When the pathology is done, it can be confirmed that the mass is not cancerous and there is no reason to be concerned. Even though the majority of osteomas are benign, it doesn’t mean that’s always the case. It can give patients a lot of relief knowing that they don’t have anything else to worry about once it’s removed. 

Further, this is a procedure/surgery that has very minimal downtime and the recovery is very quick. This means you don’t have to take a lot of time off work or be unable to do things around the house for very long. 

The scar itself may take a little while to heal but you’ll be up and moving in no time and you likely won’t experience much pain after the procedure. Having this done sooner, rather than later, can make a huge difference in your life and give you back a lot of your confidence. 

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What Can You Experience After An Osteoma Removal Surgery?

Immediately after the procedure, the area around the osteoma will still be numb (probably for several hours) so you likely won’t feel anything right away. 

As the numbness wears off, it will probably feel bruised and you’ll likely notice quite a bit of swelling in the area right after. There may be some discomfort, and your doctor will be able to provide you with instructions for which types of pain relief medication is safe for you to take. 

You may have a bandage or wound dressing on the area that needs to be looked at and changed occasionally. If this is the case, then your doctor will arrange for you to come back to the office or provide you with instructions on how to change the bandage yourself. 

Approximately 24 hours after the procedure you will be able to shower and bathe like you normally would. If you have stitches in the incision they are usually removed 7 – 10 days after the procedure, and you can return to your regular social activities within a week. If you took time off of work to have this procedure done, you likely don’t need to take more than a few days before returning to work. 

The cost to have an osteoma removed may not be totally covered by insurance, but you may be able to get it partially covered or have some of the medication costs covered. Before having any procedure done, it may be worth it to call your insurance first and make sure you will get the coverage you are expecting.

One of the questions we have received about Lipoma. We understand why so many people are asking about this.

If you have a lipoma you may be a little conflicted about whether you should seek medical care for it as it may not be something covered by your insurance. 

Lipoma removals are, typically, classified as plastic or cosmetic surgery and many insurance companies do not cover plastic surgeries because they are considered elective, and are not necessary or emergent. 

However, there are some exceptions – even within plastic surgery – where the surgeries are covered and, thankfully, lipomas can be one of these such exceptions. 

What Is A Lipoma?

This condition consists of fatty lumps that develop in the layer between the muscle and the skin. The lumps will develop slowly overtime, so it may not be noticeable right away that you have one. 

In the majority of patient cases, these lumps are benign tumors and are completely harmless to their overall health. However, other factors like size and location of the lumps can make having them incredibly uncomfortable for people – sometimes even causing a great amount of pain and discomfort. 

Most patients will want to have them removed – even just for cosmetic reasons if they are not causing them any kind of pain. 

You might like to read: Is Cyst Removal Covered By Insurance ?

Why Get A Lipoma Removed?

Most lipomas are harmless, but people get them removed because of cosmetic and comfort reasons. 

Additionally, lipomas are almost always symptomatic so it makes it much easier to get the removal covered under your insurance. So the good news here is that even though this condition is generally harmless to your health, you can still get the lipoma removal surgery covered by your insurance company, as most insurance carriers do. 

So, Does My Insurance Cover Lipoma Removal?

If you have private benefits (like through your employer) you may have additional coverage on top of your state insurance that helps to cover the costs of this removal procedure. 

Many states will offer this procedure to be covered because they can become quite painful and considered a medical necessity – depending on location – and allowing a person to live in pain and discomfort all the time is not great. 

The types of coverage will vary from state to state and individual employers, but if you have questions about what you qualify for it’s important to reach out and make sure you understand what you are covered for before booking a surgery.

For those people who have Medicare or Medicaid, they may have additional coverage options for this procedure to be done. 

You might like to read: Your Quick Guide To Long Term Care Insurance

Medicare And Lipoma Removal

For those who have a lipoma and are on a Medicare plan they may be wondering if this treatment is covered by the Medicare program. 

Lipoma removal surgery that is covered by Medicare is typically approved on an outpatient basis. While Lipoma removal surgery for medical reasons is typically covered by insurance carriers, cosmetic lipoma removal surgery is not, but each insurance policies vary greatly.

Lipomas generally do not cause medical problems or are not harmful to a person’s overall health, and do not pose any long-term health risks. Knowing that it can make it very difficult to get Medicare to pay for this procedure since it’s not essential. 

When trying to get a lipoma removal covered by insurance, a physician must be able to say that having this lipoma is a risk or detriment to the person’s health or physical wellbeing. When it is a threat to a person’s health it becomes necessary to do a lipoma removal procedure, therefore health insurance will cover it.

If the procedure is deemed medically necessary, and must be done in a hospital then Medicare Part A would be covering it (as opposed to Medicare Part B where it would be treated as an outpatient procedure). 

The lipoma removal surgery cost can vary depending on the insurance plan and the size and location of the lipoma. For those people who have been enrolled in Medicare Advantage Plans, they may be eligible for additional covered benefit when it comes to lipoma treatment. For your exact medical insurance coverage, you will need to contact your health insurance plan provider to determine what your exact Medicare coverage is. 

Medications For Post-Removal And Medicare

The procedure to remove lipomas is done under local anesthesia, and patients can go home on the same day. When someone has a lipoma removed, there will likely be medications needed to help with pain and swelling. Medicare will most likely be able to help with those prescriptions, but if you have issues or questions about your coverage you will need to talk to Medicare to confirm what your coverage is. 

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Medicare And Testing For Lipomas

As mentioned, lipomas are generally quite harmless to the people who have them. However, there is another condition known as liposarcomas. These are similar lumps that grow between the skin and the layer of muscle, but they grow much faster than lipomas do and they are, in fact, cancerous. 

In some cases, a doctor might be concerned about a lump being a liposarcoma and so they will order some tests to be done to ensure they know exactly what it is they are dealing with. 

People who are on Medicare, when a doctor orders these tests, will have the costs covered. The costs would even be covered if the person doesn’t end up qualifying for lipoma removal afterwards. 

What Is The Procedure For Removing A Lipoma?

For most people, this procedure will be done on an outpatient basis so there won’t be any hospital stays or major surgeries done. There will be some cases where the situation is complicated or it’s a very large lipoma and surgery is needed. A doctor or surgeon will be able to walk you through what will happen for your individual situation. 

For those cases that are handled on an outpatient basis, the doctor will freeze or numb the area around the lipoma to make sure the patient doesn’t feel much discomfort.

From there, they will cut into the skin and remove the lipoma from the patient. They will close the wound with stitches (sutures) and that’s the end of the procedure. Most doctors will send the lipoma (or a portion of it) off to a pathology lab to ensure it is a benign tumor and not dangerous to the person’s health. 

The doctor will also, likely, schedule a follow up appointment to check out the area and make sure it’s healing properly. 

A doctor will also give instructions with what to expect (and not to expect) in the days and weeks following the procedure. They will also note any symptoms that warrant immediate medical attention (like a fever, nausea and even itching/skin irritation around the area). 

You might like to read: C Section Scar Revision Covered By Insurance

Non-surgical Options To Remove A Lipoma

There is a very common plastic surgery procedure called injection lipolysis that helps to dissolve fat and give patients a much slimmer appearance.

It works by using chemicals to dissolve fat cells beneath the skin. Even though this procedure is almost always classified as cosmetic – and therefore not covered by insurance – it has been shown to be effective at melting fat cells when administered by a doctor. 

So if you don’t want to have surgery or have a lipoma cut out of you then this procedure could be a great option for you to help melt the fatty deposit that is a lipoma. 

Identifying A Lipoma

If you have a suspected lipoma, it’s important to be able to differentiate it from other conditions that it could be similar to. There are a few other conditions where the symptoms are similar to a lipoma but these conditions are much more serious and may need to be addressed by a medical professional immediately. 

If you aren’t sure about what you have, and how serious the condition is, it’s important to make an appointment with your doctor. During the appointment they will examine the area of concern and look for specific symptoms to determine what it is you’re experiencing. 

The doctor may also request some imaging or diagnostic testing to be done so they can be sure their diagnosis is correct. 

After the doctor has been able to confirm that you have a lipoma, they will go ahead and discuss your options with you for having it removed. You don’t have to have it removed if you don’t want to but overtime they can become very uncomfortable and even painful, so you might want to consider having it done. 

After the procedure, your doctor will likely send a sample away to the lab to have it tested just to be sure there isn’t any kind of harmful cells in the lipoma. 

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Still Have Questions?

If you want to make sure that your lipoma removal is covered by insurance, the best thing you can do is call them. Ask your coverage benefits and other information if you need to do anything (like a predetermination) to get that coverage.

Having a lipoma removed can seem very overwhelming and scary, but it’s a small procedure that can make your life so much more comfortable. Talk to your doctor about if this is the right option for you and whether this is something you should consider. 

You may have multiple lipomas that you want removed, and some doctors will be able to them all during one visit. This will be up to each individual doctor though, and you will have to talk to them before the procedure starts. 

You are also not prone to having them happen again just because you’ve had one of them one time. You may get another one at some point, but it’s not a guarantee once you’ve had one. 

A cyst can be removed, although the procedure will be different depending on the location and the complexity of it. As with any medical procedure, though, there is a cost associated with it and many people may be worried about how much it’s going to cost to have the medical procedure done. 

So, if you have a cyst is the removal of it covered by your insurance? Here’s what you need to know. 

Cyst Removal And Insurance Coverage

Every private insurance company will have their own policies when it comes to cyst removal procedures, and they will look for different things from you doctor. 

It will also, usually, depend on the type of cyst a person has. Some cysts are removed for purely cosmetic reasons, and there isn’t a risk to the person if the cyst is not removed. When it comes to this type of removal, your insurance company not cover it because there is not a medically necessary reason to do so. 

For other types of cysts, there could be a medical impact and it could be interfering with a person’s quality of life (or causing them pain) if the cyst is not removed. In this case, there is a better argument for the cyst to be removed and covered by insurance because there could be bigger complications down the road if it’s not. 

For your specific case, it’s best to get your doctor involved and get a recommendation from them about the best course of action. Your insurance company ask for letters or other information from your doctor to verify that they are covering something medically necessary and not just because you don’t like how it looks. 

Now, if the cyst is not causing pain or discomfort for the person who has it then their insurance may choose to cover part of the procedure or some of the medications involved for after the procedure. 

You may need to get a pre-determination of benefits before going through with the procedure or surgery in order for it to be covered. Make sure you are checking with your insurance policy coverage to verify your coverage as needed. 

You might like to read: Medicare Part D Donut Hole -All You Need To Know

Cyst Removal With Medicare

If you don’t have private insurance, that’s ok you may still qualify for cyst removal surgery. 

If the cyst you have is medically necessary to be removed then Medicare will most often be covered by the benefits you receive from them. If you are just seeking it out for aesthetic reasons then you may not be able to get it covered. 

You will need to contact your case worker at Medicare to determine what your benefits are and if your case qualifies. You may also need to see certain doctors or have your doctor talk to Medicare to confirm that this procedure is needed. 

Before going through with it, or even booking an appointment, make sure you reach out to Medicare and talk to them before. If you expect that your procedure will be covered and just go ahead with it then you may be shocked that Medicare declines your claim. 

So, What Exactly Is A Cyst?

A cyst is a sac filled with fluid, and it can be anywhere on someone’s body. Cysts can form on bones, organs and any kind of tissue. If a cyst forms on the skin, or just under it, it is typically filled with fluid, cells, bacteria and sometimes even pus. 

The size of cysts can vary, and usually depend on where they are located in the body. There is not a standard size for cysts. However, they will grow as time goes on because cells become trapped in the cyst and that causes it grow larger.

You might like to read: Cosmetic Surgery For Seniors – How Old Is Too Old?

How Do You Know If You Have A Cyst?

In the beginning, a cyst can feel like a small knot or little kernel just sitting under your skin. If you have a cyst growing internally, then you may not even know you have it. The only cysts are obvious are usually ones that sit just under the skin of a person. 

However, there may be other symptoms when you have an internal cyst. For example, ovarian cysts may cause the person to have bleeding, cramping or acute pain in the lower abdomen. There could be no symptoms at all, though, for internal cysts. It really depends on the person and each situation. 

As the cyst grows, it may cause some pain and discomfort – especially if it’s in an area where it bumps a lot of things or gets caught on things. 

What Causes A Cyst?

There are a number of things the can cause a cyst to form. For cysts under the skin, it could start as an ingrown hair or acne pore that has become infected – and the infection just continues to grow. 

The infection may be causing a smell when the cyst is squeeze or popped. And you may need antibiotics to clear up the root of why the cyst happened. 

If there is a foreign object that has somehow gotten under the skin, your body will try to push it out because your body doesn’t want it in there. However, if the way out is blocked then it may get trapped and this will cause the cyst to form. 

When there is a cyst elsewhere in your body, it can form for any number of reasons and there may be no clear cut reason as to why it happened. In general, cysts are fluid filled sacs – and they may be filled with bacteria and other skin cells – that will continue to grow until they burst. 

Even when you have a cyst removed, your doctor may not be able to definitively determine why it happened.  People are not prone to cysts nor is it really genetic, they just happen sometimes. Also, once you have had one it doesn’t mean you’re going to have more in the future. 

You might like to read: Your Quick Guide To Long Term Care Insurance

Different Kinds Of Cysts

There are a few different types of cysts that could develop for someone. When it comes to skin cysts, though, there are three types that are the most commonly seen: pilar cysts, digital mucous cysts and sebaceous cysts. 

Each of these type of skin cysts has different symptoms and characteristics, but if you notice a bump or knot in your skin then it is important to get it checked out and looked at by a doctor as soon as possible. 

Can Any Doctor Perform The Treatment For A Cyst?

Your primary care physician can treat a cyst and do a removal of it, however most cysts are removed by dermatologists as they are specialists when it comes to this type of care. 

Dermatologists specialize in understanding skin care and conditions, so they will be able to make the best recommendations for removing the cyst and for any special follow up instructions you may need to know about. 

In most cases, the cyst will be removed as an outpatient procedure, so you won’t need to be in the hospital overnight or anything. If the cyst has ruptured, your doctor may choose to lance it but if it’s still completely intact then they can excise it completely as a whole. 

If a doctor choose to lance a cyst, it’s important that they are also able to remove the sac of the cyst as well. If the sac is not removed then eventually the cyst will fill with fluid again and it will completely form again over time. 

Either type of removal will involve sutures so that the wound will heal over time. Your doctor may opt for dissolving stitches but some may ask you to come back for the removal so that they can check out the wound and see how it’s healing. 

Do you need to be worried a cyst could be a sign of a bigger health problem?

When your doctor removes the cyst, they will likely send part of it (or all of it) to the lab to see the pathology of it. This will tell the doctor if there’s a cause for concern or a need to monitor the area the cyst was in. 

In most cases, cysts are benign but there are some times when it could be a sign of a bigger medical condition. Your doctor will let you know what to expect and if they have any reason to suspect it’s a bigger problem. 

You might like to read: C Section Scar Revision Covered by Insurance

In Summary 

The removal of your cyst may be covered by your private insurance, or Medicare, benefits, but it’s important to make sure you check before starting the procedure to see if there are certain requirements to get the coverage. 

You don’t have to live with having a cyst forever, especially if it’s causing you pain or making you feel uncomfortable with your altered appearance. Make an appointment with your doctor to talk about your options and see what is best for you. Your doctor will be able to determine the best course of action for your specific situation. 

Now, though, you have a scar because the incision didn’t heal well or there were a few complications. Even though it means your baby was delivered safely, it doesn’t mean you want to have the scar visible when you wear a bikini or having intimate moments with your partner. 

There are a couple procedures that can be done to help get rid of the scar or help reduce how visible it is. 

The procedure, though, can be a little expensive to have done so it may not be in the budget for everyone. Now for those who have insurance – either state/government backed or private benefits through your employer – you may be able to get some or all of the expenses covered to have this procedure done. 

So How Do You Get A C-section Scar Revision Covered By Insurance?

For the most part C-section scars they are just unsightly but don’t actually cause a person any pain or discomfort. 

There are some cases, though, where the scar healed with an abnormal amount of scar tissue around the incision or there have been keloids formed – which can cause discomfort. 

For the most part, this type of surgery is classified as a cosmetic procedure so most insurance companies and policies will not cover it. If your doctor determines the scar needs a revision you may be able to talk to your insurance company to get an exception to have the surgery covered. 

Getting The Procedure Covered With Medicare

As with private insurance benefits, Medicare will likely want to know that the surgery needs to be done because it’s medically necessary. 

If you want the surgery because the scar just doesn’t look nice, and it’s basically for cosmetic reasons, then they may not be willing to cover it. You may have to see a specific doctor or have your doctor fill out forms for Medicare in order to qualify, too. 

If you are on Medicare and want to have this type of surgery to revise your C-section scar then you will need to talk to them to see what kind of coverage you have and what you need to do in order to qualify. 

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What Causes A C-section Scar To Heal Improperly? 

Sometimes, during the delivery a baby, a C-section is performed in an emergency because it is needed to get the baby out safely. 

When this happens, and it’s not planned, the doctor may be rushed and the incision may not be done as properly as it would have been if it had been planned. 

While this doesn’t make it any better for you, living with the scar, there is good news in that the scar can be revised once everything has healed properly. 

The improper healing may cause the scar to be bumpy, or have a bump of skin form around the scar from additional scar tissue being in the area. 

Further, there may be keloids form around the scar. 

You might like to read: What to Expect After Shoulder Surgery

What Are Keloids?

These can form when the skin in a certain area is damaged from an incision or a piercing or cut or even a really bad burn. There is thick tissue that grows up and out from around the area that is healing – which creates a bump in the skin. This can also make the scar much bigger than the initial incision actually was. 

For C-section scars, this can make it show through tighter fitting clothes or make it uncomfortable to wear certain items of clothing. 

When there is a wound to the body, the body will produce collagen to help heal the wound. However, when too much collagen is produced, it can lead to keloid growth. 

Can A C-section Scar Really Be Removed?

You may be thinking that once you have your scar there really isn’t anything you can do to remove it or change it. Thankfully, though, that is not true. 

There is surgical scar revision that was specifically developed and designed to minimize or completely hide a scar so that it just blends into a person’s natural skin tone and its texture. 

There are some post-surgical products – like creams – that really help with the healing of the surgery and to really help minimize the scar. 

Does The Surgery Work If Someone Has Had Multiple C-sections?

If you have had more than one child, you may have multiple C-section scars – especially if there was an unplanned one where it was an emergent situation. 

This revision surgery can work for people with multiple C-section scars, and it will take those scars and turn it into one single, minimal scar that will blend right into your very own skin tone and texture.

It may even end up being flat against your skin so you will be able to wear form fitting clothing without it being noticeable. 

You might like to read: Can You Get Botox While Breastfeeding?

Is Scar Revision Major Surgery?

This depends on the complexity of the scar and if any keloids need to be removed. 

For the majority of cases, the surgery is considered day surgery and people will be going home the same day. For some people, they may need to stay overnight to make sure everything is ok before being sent home but that’s a few cases out of all the ones completed. 

Is A Tummy Tuck The Same Thing As Scar Revision Surgery?

The short answer to this is no. 

For many people who have been pregnant and undergone a C-section, they may have some loose skin around their tummy or lower abdominal area. 

When they go to see a doctor about a scar revision, the doctor may also recommend a tummy tuck at the same time – since they are already having surgery. 

If someone is living with pain or discomfort from their C-section scar, they may qualify for scar revision surgery with their insurance company. However, the tummy tuck part of the surgery would be consider cosmetic – and not necessary – so that part may need to be paid for out of the patient’s pocket. 

It does make sense to do the two procedures at the same time because who wants to have two surgeries if you can just do it all at once? However, plastic surgery can become very expensive very quickly. 

Further, if there isn’t any insurance coverage to help pay for the tummy tuck part of it then you may be going into debt to cover the medical bills or be paying them off for years to come. 

If you want to have the tummy tuck done at the same time, consult your doctor and ask what kind of price tag is attached to it. See if you are able to afford it or maybe have to save up for a little while to have it all done at the same time,.

You might like to read: Can You Get Disability For PCOS?

Side Effects Of Having A Scar Revision Or Removal Surgery 

This procedure can cause some mild to moderate discomfort for those who go through it, however the revision surgery is reported to be far less painful than having a tummy tuck done. 

The discomfort usually lasts for a few days after the procedure and it can be easily managed with regular pain medications. In some cases, the pain is so mild that some people do not even need pain medication to manage. 

This procedure is usually just a day surgery, and people are going home the same day so they can sleep in their own bed and be in the comfort of their own home. 

The full recovery from this procedure is usually between 7 and 10 days, whereas recovery from a tummy tuck is a 2 week minimum. 

There is very little downtime when having a scar removed, and it’s a fairly pain-free procedure when compared to other medical procedures – like a tummy tuck. 

Take Your Time Before Making A Decision

While you may know for sure that you want your C-section scar revised or removed completely, but you want to make sure you pick the right surgeon and surgical team. 

If you don’t pick an experienced surgeon, especially in this area, you may end up with a result you are not happy with and your scar could end up looking worse. 

For this reason, it’s advised that you do a lot of research to make sure you find the right surgeon for you. You will want to find a doctor you are comfortable with, who answers your questions and makes you feel at ease with them, not like they don’t have time for you. 

This is your body and you have the right to make sure you are comfortable with what’s going on. You are the one who is going to have to live with the outcome of this for a long time to come. 

If you don’t feel totally comfortable, don’t be afraid to ask for a second opinion on that surgeon’s recommendation. Take the time you need to think about it before booking, and make sure this is exactly what you want to do. 

Most homes do not have a completely accessible exterior, so there are modifications that need to be made to ensure someone in a wheelchair can use it. 

Putting a wheelchair ramp at your home can be very expensive. It needs to be installed by a professional, or by a company, to make sure it’s safe and meets the appropriate requirements. 

So, does Medicare help with paying to put the wheelchair ramp at your home?

Medicare And Wheelchair Ramps

Generally speaking, Medicare does not usually pay for any type of wheelchair ramp being installed at anyone’s home. 

Under the durable medical equipment (DME) section, Medicare does not cover any kind of modifications to someone’s home – including door widening or ramps to improve accessibility. 

Why Doesn’t Medicare Cover Wheelchair Ramps?

While having a wheelchair ramp can make it so much easier to get in and out of your home, Medicare doesn’t cover it because the ramps themselves do not actually treat or cure a medical condition. 

There are very few exceptions where Medicare may pay for part or all of a wheelchair ramp, if you meet certain requirements and standards. 

Medicare Advantage

These Medicare plans will vary by state, so you will need to check in your specific state coverage before confirming installation of the ramp. 

This program may cover your wheelchair ramp if it is deemed to be medically necessary and could reduce emergency care needs or prevent major injury – which would lead to further medical costs they need to cover. 

With these plans, you may need to be able to prove that you have the ability to maintain – or improve – your current level of health. This means that if you have an illness that is progressive and will for sure cause your health to decline then you may not be able to fulfill this qualification. 

You might like to read: Best Temporary Wheelchair Ramps

Medicaid Coverage

Like with Medicare, ramps are not considered an essential item so they are almost always not covered. If someone does get it covered, it will usually involve winning a court case or having lawyers involved to prove that it is medically necessary. 

Home And Community-based Service Waivers

There are numerous states that offer home and community-based waivers that will completely cover the expense of paying for your ramp. These services consider a wheelchair ramp to be a beneficial adaptation for the environment, so they are encouraging of homeowners who want to put them in. 

Is There Other Assistance Available?

Wheelchair ramps can be very expensive to install, and not everyone has the resources or funds to pay for it out of pocket. Medicare benefits are for those who do not have private coverage, or fall within a certain income category. 

Private Insurance

If you have private insurance, and thought you could use Medicare to help with paying for the ramp, you may want to check into what your private benefits cover. 

There is sometimes some coverage for modifications to your home through private benefits. It may not cover everything, but it could help to offset of putting the ramp at your home. Talk to your insurance company to see if you qualify for any type of coverage for this modification. 

You might like to read: What Is the Maximum Slope for an ADA Ramp

State Assistance

Each state has their own Assistive Technology program where they help people living in that state with assistance they may need. 

They may also be able to help with funding for a disabled person’s family and caregivers to make sure they have the help they need to provide proper care for their loved one. 

National Rehabilitation Information Center

This resource houses articles, reports and public information on technology that assists with healthy, independent living for people who have a disability. 

You can browse through resources to find the help you need, and there may even be some programs that can totally fund the wheelchair ramp or find companies who work with certain budgets. 

Rebuilding Together 

This program is specifically for helping with home modifications and improvements for veterans mostly, but it does sometimes help others in need. Their projects include installing wheelchair ramps, handrails, outdoor lighting and other assistive technology that can make a home much more accessible to those with a disability. 

AccessABILITY Experience 

This program is run independently of any state program, and is geared towards low income families to help ensure they can get a wheelchair ramp when they need it. 

This is a non-profit organization and it supports each project by giving grants for materials and to help organize volunteer labor to help build the wheelchair ramps for low-income families. 

The recipients of these grants may not have the total project paid for, but they will receive substantial help to offset the cost of paying to install the wheelchair ramp. 

You might like to read: How to Weigh Someone in a Wheelchair?

How Much Does It Cost To Install A Wheelchair Ramp?

No matter who is paying for the ramp – you or an insurance company – it’s important to know how much this modification to your home is going to cost. 

There are a number of factors involved that determine how much the ramp is going to cost, including 

• The length of the ramp 
• The number of ramps you are planning to have installed 
• The style and material you have selected (some materials are much more expensive than others) 
• Any types of customization you may want for your ramp or special features needed that are unique to your home 

Any professional company will be able to come out to your home and go through an estimate to let you know exactly what you will need to do for your home to make sure it’s going to meet your needs. 

The company should also help to maximize your budget and make sure you get the most for your money, and you aren’t spending funds on things you really don’t need. 

Some companies may also allow you to make payments on the ramp after the work is done if you don’t have all the funds upfront to pay for it. 

You might like to read: Best Wheelchair Footrest Pads

Centers For Independent Living 

Most people who are in a wheelchair are able to care for themselves, with just a little bit of help. They don’t need to stay in a home full-time, and do not require full-time care.

However, some conditions may be progressive and a person’s condition will get worse as time goes on. 

Researching assisted living facilities or independent living facilities now may be useful so that you have a plan in place for when you need them or your loved one needs that help. 

Some of these centers do require a person to need nursing-level type help so a person’s condition has to decline quite a bit before you can even put them on the list for this kind of help. 

However, as an added benefit many of these centers will also have contacts and resources they can put you in touch with to help you pay for the wheelchair ramp being installed at your house. 

In Summary 

When you or your loved one needs a wheelchair ramp to help get in and out of your home it can be a very stressful time. Paying for this modification is expensive, and it can be overwhelming trying to figure out exactly how you’re going to pay for it and make sure your loved one is safe. 

If you have private benefits, like through work, you may be able to get some coverage to help offset the cost of putting the ramp in. While we’ve seen that Medicare and Medicaid usually do not cover any of the costs associated with putting in a wheelchair ramp, there are some exceptions. 

Medicare and Medicaid would need significant documentation from doctors to say that this modification is medically necessary and would seriously prevent major injury in the long run – which would lead Medicare to have to pay for more medical expenses if someone got hurt. 

There are also several non-profit programs that can help families with paying for the costs of installing a wheelchair ramp. Some groups are aimed towards veterans or low-income families, so there may be certain qualifications you need to meet but you can research these groups to find one where you meet the requirements. 

You may not be able to get all the funding from one place, and you will probably have to do a bit of research to find the funding for you. There may be portions of the funding coming from several sources and you may even need to pay for a little bit of the project out of pocket. 

Once you have the wheelchair ramp in place, and you or your loved one can easily come and go from the house you will see the value in this modification. It can be overwhelming at first, but once it’s much safer to go in and out it will make everyone feel better about your loved one in a wheelchair using it and it will give them back a lot of independence. 

One of the things that happens when Alzheimer’s starts to progress is that the patient will have difficulty with swallowing and choking on mucous. When that happens it can make it even harder to watch and handle. 

Why Do Alzheimer’s Patients Have Troubles With Swallowing?

With Alzheimer’s, a person’s memory is affected and they forget to do most of the tasks we take for granted. 

One of these things is swallowing. Often times, as this disease progresses, patients will almost forget how to use the muscles they need to swallow so they don’t know what to do. 

This will lead to food and drink sitting in their mouth for longer than it should or they start choking on it and will aspirate into their lungs. 

This can lead to an overproduction of mucus and a lot of coughing. The troubles with swallowing and extra mucus go together for those who are in the end stages of Alzheimer’s.

There are seven stages to Alzheimer’s, and as your loved one progresses it may become harder to care for them or watch what is happening to them. 

 Stage One: No Noticeable Impaired Behavior

This stage may not even be picked up by loved ones because there isn’t really any noticeable difference for most loved ones. 

There is only one way in which Alzheimer’s can be diagnosed during this stage, and that is if the patient involved has a PET scan, which is an imaging test that tests how well the brain is functioning. This disease will progress into other stages, but it is very difficult diagnose this disease when it’s in this stage.

Stage Two: Some Very Mild Cognitive Impairment 

Patients who are in this stage may still not be showing a lot of signs of cognitive impairment, especially for those people who are around them all the time. 

When people are in this phase, it can sometimes be difficult to differentiate the memory loss and if it’s part of old age or Alzheimer’s. Many people will start to lose some memory function as they age, and since the memory loss in this phase is so mild it can really be thought of as old age. 

The changes experienced in this stage do not impact everyday life and the majority of people experiencing this will still be able to live independently.

You might like to read: Best Medical Alert System For Alzheimer’s And Dementia Patients

Stage Three: Slow, Steady Decline

By the time a patient gets to this stage, their loved one and medical team will start to be able to notice obvious changes in the cognitive abilities.

The most common issues arise in a person’s ability to organize and plan things out, finding the right words during a conversation and sometimes remembering the names of people they haven’t known for a long time. They may also lose items like keys, money or other small valuable items. 

It’s most common when they get to stage three to start showing the more “obvious” signs of Alzheimer’s on standardized memory and cognitive testing. 

Stage Four: Moderate Cognitive Impairment 

The symptoms mentioned in stage three will start to get worse and much more obvious than they previously were. A patient may start to forget details about themselves like how old they are, where they live, what their own name is and maybe even who their spouse is (if they have one). 

Further, they may no longer be able to cook for themselves or even order because they can’t remember what it is they like to eat (or they may even forget to eat altogether). 

Patients who are in the stage are recommended to have someone look after them to make sure they are protected from being taken advantage of financially. They should also not be driving because they do not have the cognitive abilities that are required for driving. 

Stage Five: Increasing Impairment 

During this stage, patients will likely not be able to dress themselves properly or be able to give you simple details about themselves like their own phone number. 

They may be able to still bathe and use the bathroom on their own, without any assistance, but it may be a good idea to have someone check in on them to make sure they are taking care of themselves properly and eating healthy, nutritious meals. 

At this stage, you may start to notice that your loved one is repeating themselves or asking the same question over and over again. This is because they are confused and really don’t know where they are or what’s going on. 

Try to not get frustrated with them – they are genuinely asking these questions. You may want to get some help with how to handle these situations from a caregiver to make sure you are doing the best you can for your loved one. 

You might like to read: 40 Inspirational Uplifting Dementia Quotes

Stage Six: Severe Impairment 

Patients who are in stage six of Alzheimer’s will be very confused by their environment and surroundings.

Additionally, you may witness some drastic changes in personality or behavior along with not recognizing the faces of people who are closest to them. 

During this stage, patients may also lose control of their bladder or bowels, they may just forget that they need to go to the bathroom or they may not know what to do when they actually get into the bathroom. 

A person in this stage will need to constantly monitored and supervised as they could really hurt themselves. They usually will not know where they are or what they name is, and will need help with getting dressed, bathing and reminders to eat and go to the bathroom. 

In most cases, people in this phase will be living in a nursing home or have full-time live in care at their home. They need around the clock care and cannot be left alone. 

They will probably continue to repeat themselves and ask continuous questions. A lot of the time, loved ones will not be prepared to care for someone with this stage of Alzheimer’s so they will turn to professionals to help provide proper care for their loved one. 

Stage Seven: End Stage Alzheimer’s

This is the final stage of this disease, marked by the need for assistance with all daily activities and the inability to speak any kind of phrases except for a few words. 

At this stage, the person will no longer be able to tell you if they are hungry or thirsty, nor are they aware of who you are even if you are one of their closest loved ones. 

They will require complete assistance with everything in their life and will need 24 hour a day care, most likely from a professional. This stage means the illness is coming to an end and your loved one will likely be in palliative care or hospice. 

You might like to read: Best Mucus Suction Pump For Adults

Can You Help Your Loved One With Advanced Stage Alzheimer’s?

When you notice that your loved one is starting to choke more often on their food or having a lot more trouble with swallowing it’s natural to want to do everything you can to help them.

Unfortunately, you can’t do much except keeping them comfortable. You can help feeding them so that they remember to eat and drink. You may need to feed them in a slower manner, with smaller bites and reminding your loved one to chew the food before the try to swallow. 

In Summary

Extra mucus is part of having Alzheimer’s, and as the stages of this disease progress then you will notice they have more and more of it. It may appear as a “wet” sound in their lungs when they breathe, almost like a crackling. 

You will probably want to approach professional caregivers so that you know your loved one is being taken care of. These caregivers will have much more experience and being trained in caring for Alzheimer’s so they know how to handle the decline of this disease. 

If you want, you can take courses on CPR and First Aid so that if your loved one starts choking or cannot stop coughing you have some experience in how to handle the situation before calling in medically trained professionals. 

Watching your loved one go through this is going to be one of the hardest things you will ever do. Making them comfortable and being there for them will mean a lot to them. Trying to fix it, or reason with them may not work – especially towards the end of the disease. As you see them go through each of the seven stages of this disease, they may get further away from the person you remember them to be. 

Try to hold their hand and sit with them, enjoy their company as much as you can. Taking care of them in small ways, like wiping their mouth and helping them to cough up any mucus they may have. You can also purchase one of the baby tools that is used to remove mucus from an infant’s nose when they can’t blow their nose. 

Being on Medicare there are some things you are not covered for, but you may want to make sure you know what type of hospital stay coverage you qualify for before you are going into the hospital. 

Does Medicare Pay for a Hospital Stay?

In short, yes – Medicare will pay for inpatient hospital stays for a certain length of time. 

Typically, Medicare pays for the first 60 days of a hospital stay after the covered person has paid the deductible. The exact dollar amount covered will vary depending on how long a person stays in the hospital/facility and which hospital they are staying at. 

Read More: Does Medicare Cover Shower Chairs?

What Happens After 60 Days of Hospital Stay?

If a person is required to stay in the hospital, or other medical facility, for longer than 60 days then a coinsurance amount will kick in. After 90 days of staying in the hospital, the person will be completely responsible for all costs of the hospital stay. 

For reference, the coinsurance is a percentage of the treatment cost that the person will need to fund themselves. For those who are on a Medicare Part B plan, this amount is 20% of the treatment cost. 

After day 60, the person in the hospital will be responsible for paying $352/day and then after the 90 days runs out they will need to pay $704/day. 

It’s also important to note that this is 60 day is a lifetime amount of coverage. It is not 60 days at a time, but 60 days for the entire lifetime of the insured person. 

What Parts of Medicare Pays for Hospital Stays?

The funding for hospital and other medical facility stays comes from Medicare Part A. However, before Medicare pays the costs of this stay they need to confirm with the doctor that the stay in the hospital is medically necessary. 

The coverage, while in the hospital, includes 

• A semi-private room
• Nursing care (general, not specialized)
• Meals
• Hospital services and equipment 
• Medication that is part of any treatment they are receiving as an inpatient

Read More: What Is a Medicare Audit?

What Are the Out-of-Pocket Expenses a Patient May Need To Pay For?

Medicare mandates that the insured person must have met their deductible requirement before they will start paying for any hospital stay. 

The amount of the deductible changes every year, so it’s important to make sure you are up to date on what your deductible is and how much you have paid of it for this year. 

The period that Medicare will pay for starts from the first day of hospitalization and will end 60 consecutive days after the insured person’s discharge from the hospital. 

If the insured person needs to stay in the hospital again before that period of 60 days is over, then it is considered the same benefit period so they don’t have to meet the deductible twice. 

What Type of Hospitals or Centers Are Covered?

Part A will cover the costs associated with staying in a hospital or medical facility, but that doesn’t mean that all of them are covered. There are various types of inpatient facilities so the amount of coverage a person gets will depend on the type of facility they are staying in. 

Acute Care Hospitals 

These hospitals will provide care for brief periods of injury and illness. Examples of this can include emergency surgery, or urgent conditions like a heart attack or a stroke. 

Inpatient Psychiatric Facilities 

For people who need treatment for mental health related issues, these inpatient facilities will be covered by Medicare. These facilities will follow the same guidelines in terms of coverage for length of stay, but there is one exception. When it comes to psychiatric treatment, the lifetime amount of days for hospital care is 190 instead of 60. 

Rehabilitation Centers

This kind of facility provides treatment after an injury or surgery where a person is not quite ready to go home but they no longer require the acute care facility help. 

If a doctor deems it medically necessary, then Medicare will cover the costs associated with a patient staying in rehabilitation center. The expectation here, though, is that this will help the person to become independent and be able to go home after a short stay. 

Rehabilitation facilities follow the same fee structure for out of pocket expenses as acute care facilities do. 

Long-term Care Hospitals 

These are hospitals where the staff is trained to handle medical complex conditions that can take several weeks to recover from. This could be the same hospital that provided the acute care, but a patient will be transferred to a long-term care bed when they are stable. 

The coverage from Medicare is the same at both types of hospitals. 

Skilled Nursing Facilities 

These facilities can provide help with physical therapy, 24-hour on call nursing care and help with tasks like bathing and dressing. 

In some cases, a person will only require nursing care for a defined period of time while they recover from a surgery or other injury. However, other people may need long-term care as they have degenerative conditions that are only going to progress over time. 

The coverage for Medicare to pay for skilled nursing facilities is a little different than at hospital. 

The coverage is only valid for up to 20 days, and then there is a coinsurance that the person must pay ($176/day) after that 20 day period and that last until 100 days of care. After day 100, the person must pay for the full costs themselves.

Medicare will only pay for the costs of skill nursing facilities when a person is transferred here from an acute care facility. If the patient goes into the facility in any other condition or way, then Medicare Part A will not cover the stay. 

Read More: What Is The Difference Between Medicare And Medicaid?

Is There Any Way Someone Can Reduce Costs for Hospital Stays?

When you’re ill and in the hospital, worrying about how you’re going to pay for it can just add to the stress you already have. 

There are a few ways you can reduce some of your costs when it comes to paying for hospital stays, though. 

Medicare Advantage 

This plan would be an alternative to regular Medicare, but people with this plan will experience less out-of-pocket expenses when it comes to paying for medical needs – this include daily hospital copayments. 

There are a couple catches to this type of plan though. First, the level of coverage may vary and not everyone will qualify for the same type of coverage. Second, they may only cover services or procedures that are done at one of the hospitals in the plan’s network, or that is an approved provider. 

Medigap

This is a plan that is a supplemental policy anyone can purchase through a private insurance company. The catch, though, is that it is not available to people who have Medicare Advantage – as that would be like doubling up on insurance. 

The point of Medigap is to help pay for costs that regular Medicare does not pay for. It can help with out-of-pocket expenses like coinsurance amounts a person has to pay and cover hospital stays of up to 365 days. 

Additionally, a lot of Medigap policies will cover Part A deductibles for hospital stays. The cost a person pays for having this kind of insurance plan will depend on a number of factors. Most importantly in these factors will be the person’s age and where they live. 

Each person will need to be quoted as to what type of coverage they can qualify for. There may be additional questions or information a Medigap insurance company will pay for. 

Read More: Does Medicare Pay For Hand Controls in Automobiles?

In Summary

Medicare Part A does pay for some of a person’s hospital stay costs, but it’s only up to 60 days in a person’s lifetime. After those 60 days have been used, a person will be expected to pay some type of coinsurance or completely out-of-pocket. 

Thankfully, there are additional insurance programs that cover the gaps where Medicare falls short. These top up programs can help reduce your out-of-pocket expenses and make sure that you are not stressed about paying for your medical care when you’re already trying to recover. 

If you have questions about your coverage, or Medicare has denied your claim, then you can call your Medicare case worker to discuss the situation. 

Some hospital stays are emergent and you don’t know they are going to happen, however if you know you are having a surgery you may want to pre-emptively talk to Medicare to make sure you’re going to be covered or you know what you will be billed for. 

Making sure your hospital stay is covered can be a major relief when it comes to recovering from a surgery or injury, and it can really help when you know your insurance is going to be there to pay for your medical care. 

Take your time to heal, get the medical help you need, and don’t worry about the bill!

When you have mobility difficulty, and using the shower poses a challenge, having a shower chair can make it much easier to keep your independence and give you peace of mind knowing you’re able to shower safely on your own. 

There are many different types of shower chairs: some offer full support, while others are just a small bench for extra help as you need it. No matter what your needs are, there is a shower chair for seniors that can help make the showering and bathing experience better for you. 

Buying assistive devices can be expensive, and when funds are tight it can be a very difficult and overwhelming to try to figure out how you’re going to pay for it.

If you’re receiving Medicare benefits, then you may be thinking that you may be able to use those benefits to help pay for a bariatric shower chair assistive device. Here’s what you need to know. 

Medicare and Shower Chairs

Regular Medicare plans, in short, do not cover shower chairs. 

Shower chairs would be considered under the Durable Medical Equipment, but they are not considered medically necessary. This category would typically cover items like crutches, walkers, commode chairs and so on. They believe that these items help lower or reduce the risk of falls. 

Shower chairs do this same thing, however for most people they are not going to cover what they deem to be “comfort” items. 

If you have Medicare Part C benefits, there are some benefits that give you over the counter coverage for items like shower chairs. So for most people, they will need to pay the full amount for a shower chair which can range from $20 all the way up to $300. 

Read More: How to Check Status of Medicare Card

Medicare Advantage

If you have the Medicare Advantage plans, there are a number of medical supplies and safety equipment that these plans cover that regular Medicare plans do not give coverage for. 

You will need to qualify for the Part C plan, and have these benefits. It is important to keep in mind that Part C plans are not blanket coverage and they still may only cover these pieces of equipment under certain circumstances and for certain conditions. 

If you aren’t sure about what type of coverage you have, you can always call your benefit contact and confirm what you are covered for. 

Is there any way to get Medicare coverage for bathroom safety devices? 

If you absolutely need to get coverage to purchase safety devices – like shower chairs or grab bars – then you may be able to push for coverage on these items. 

But, before purchasing a grab bar learn first how high grab bars should be installed and what are the ADA requirements for grab bars.

You will need to make sure you are going to a doctor that takes Medicare plans and that you are buying your equipment through a Medicare approved supplier. If you don’t do these two things, then there is zero chance you will get coverage for these items. 

It’s important to know that you may be able to find the same equipment for a lower price online or at another store than by going through a Durable Medical Equipment supplier – which is the Medicare approved suppliers. 

Do some research before committing to where you are going to buy this device.  Your doctor may have made some recommendations, but that doesn’t mean you have to go through Medicare. You may be able find more budget friendly options, as long as they meet the standard requirements you need. 

Will Medicare Cover Other Bathroom Modifications?

If you need a shower chair or bench, there’s a chance you will need other bathroom modifications (either now or in the future) to help make it easier for you to keep your independence. 

Your doctor may recommend other bathroom modifications to make it safer for you – like grab bars or a walk-in shower tub. 

Unfortunately, Medicare does not cover any of modifications to your home in terms of making it more accessible. 

If you need a bathroom modification then you will, most likely, need to pay for the remodel out of your own pocket. 

Read More: How to Win a Medicare Appeal

Grab Bars 

Medicare does not cover items that they deem to be comfort items, and not medically necessary. Grab bars, even though they can help to prevent slip and falls in your bathroom, are considered a comfort item. 

Aside from that, if you have Part C coverage – or Medicare Advantage – you may be able to get some help from these benefits when you need the help. 

Having a grab bar installed can start around $75. This price assumes, though, that the studs in the wall are enough support to install the bar and everything else is ready to go. If you need additional support put into the wall for the grab bar then it could run upwards of $200. 

Walk-in Tubs

Your doctor may have suggested that a walk-in shower or bathtub as it could be safer for you to use with a shower chair. 

This kind of modification, though, can be a very serious renovation to your home and it can cost a lot of money to do this. 

Medicare is most likely to deny your claim or request for this modification, but it doesn’t hurt to try. Make sure you keep all your receipts and keep track of all the modifications you’ve been doing to your home. You will also need to make sure you have a prescription for this and that a doctor is deeming it medically necessary for you to have. 

Your doctor may list it as a quality of life issue or to help prevent major slips and falls. Either way, if there’s a chance for it to be covered by Medicare it will have to come from a doctor, and you need to prove it’s medically necessary. 

Read More: Medicare – All You Need to Know Before Turning 65

What Types of Shower Chairs Are Available?

The kind of shower chair you need will largely depend on what your individual needs are for mobility. 

All shower chairs or benches will be water proof – obviously because of their use – and they will be made from either plastic or metal, or a combination of both.

They also may have non-slip materials on the bottom so they don’t move as you’re getting into the shower, or they may need to be anchored into the wall. 

Some shower chairs will have wheels on them to make them easier to move, but having wheels can also make those who are prone to slipping more likely to fall and injure themselves as the chair won’t be as stable. 

If you get a chair with wheels it is really important you get one that has a locking ability, and that the wheels are locked when you need to get in and out of the shower. 

Chairs with a back rest or arm rests can help those who need some extra help or increased stability with sitting or standing. Also, the back rest makes it a little more comfortable when someone is using it in the shower. 

Your doctor will be able to tell you which type of shower chair is best for you, and what your needs are. If you need the added stability then it’s important to make sure you get the chair that has a back rest and arm rails to hang on to. 

If you need the extra range of motion or added mobility then you may not need to have the back rest on the chair. Make sure you are honest with your doctor about your needs and what your comfort levels are. If you need a little more support, don’t be afraid to say that and if you want a certain type of chair make sure your doctor knows. 

You may end up paying for some, or all of it, out of pocket. Most shower chairs will be under $300 to purchase, so chances are you can find something that fits your needs and may be within your budget. 

Read More: What is Medicare Audit?

Final Thoughts 

Even though Medicare does not pay for these kinds of modifications to your home, it could be money well invested to buy a shower chair. 

Since a shower chair can really help to prevent slips and falls in the shower, it could also mean less major injury or worry for your loved ones. Consider also having a non slip shower shoes.. It can also allow you to keep your independence and not need assistance when showering. 

If you have questions about which one is right for you, and if you would benefit from having a shower chair in your home then it may be time to book an appointment with your doctor to discuss your options. 

There are a wide range of options when it comes to shower chairs so you will be able to find something in your price range and you probably don’t need to spend a huge amount of money you don’t have. 

You may also be able to find a cheaper option from an online source, or one that is not a Medicare approved supplier too. If you need help with fitting and sizing, you may want to visit one of these stores and when you know exactly what you need you can order it from another source. Shopping around can help you save money when Medicare doesn’t help! 

Losing your husband is one of the hardest things to go through. There is the emotional ups and downs of settling into a new life where your partner and best friend is no longer with you. 

After the dust settles, there are realities of life a widow has to settle into like paying the bills. Some partners will be reliant on both social security incomes to make sure that they can pay the bills, and their income is limited. 

So, when a husband does is his wife entitled to his social security? Here’s what you need to know. 

Social Security and a Surviving Partner

When a social security beneficiary passes away, their surviving partner is eligible for something called survivor benefits. 

If the surviving partner has reached full retirement age then they are eligible to receive 100% of their late partner’s benefit amount. However there is a slight catch. If the deceased partner claimed any of the benefits before they reached retirement age then the amount the surviving partner gets will be lower.   

To note, full retirement age is currently 66 years old but there are plans to increase it to 67 over the next few years. 

Applying for Survivor Benefits 

If you were already receiving spousal benefits from social security then it is likely you will be automatically switched over to survivor benefits when the death is appropriately reported. 

If you were not receiving any spousal benefits from social security prior to your partner passing away then you will need to apply to receive survivor benefits. To do this, you will need to contact your local Social Security office, or by calling the Social Security Administration. 

When you go to apply for survivor’s benefits there are certain documents you will need in order to ensure you get the benefits you need 

• Proof of death (death certificate)
• Both your social security number and the social security number of the deceased person 
• Your birth certificate 
• If you are applying as a widow/widower, you will need your marriage certificate 
• If you a divorced widow/widower (and neither one remarried) then you will need your divorce paperwork 
• Any dependent children’s social security numbers 
• The tax returns (or W-2s) of the deceased person 
• Your bank account number and routing information (for direct deposit to your account for the benefit) 

Read More: Do Immigrants Receive Social Security At Age 65?

Do You Qualify for Survivor Benefits?

For the most part, widows/widowers will qualify for survivor benefits as long as they are at least 60 years old at the time their partner passed away and they had been married to the deceased partner for at least 9 months prior to their passing. 

There are, of course, a few exceptions to this rule though

• If you have a disability, you can apply for survivor benefits as early as age 50 as long as the disability occurred within 7 years of your spouse’s death 
• If you are providing care for children from the marriage who are under 16 years of age, or are disabled, then you can apply for survivor benefits at any age
• If the beneficiary’s death was accidental or happened in the line of U.S military duty then there is no requirement on the length of the marriage. 

Another factor that may affect your eligibility for survivor’s benefits is whether you decide to remarry after your spouse passes away. If you remarried before you turned 60 (or 50 if you are disabled) then you cannot receive any of these survivor benefits. However you may be eligible to receive them again if that marriage dissolves. 

Additionally, there is no effect on survivor benefits if you choose to remarry after you are 60 years old – you will continue to receive them as you were in this case. 

How Much Will You Receive in a Survivor Benefit?

Your survivor benefit will be calculated based on the amount that your late spouse was receiving before they passed away. If they were not receiving any benefits yet (or had not withdrawn any of the benefits yet) then the calculation would be based on what they were entitled to receive based on age and earning history. Learn here the latest social security calculator.

Read More: How Much Savings Does It Take To Retire in the Philippines?

Some Other Items To Note About Survivor’s Benefit

The first thing to remember is that if you receive another pension or retirement benefit you may not receive survivor’s benefit. Social security will only pay the higher of the two amounts. So if you were planning on this additional money each month for helping with living expenses you may not get it. 

If you and your partner divorced years ago, but neither one of you remarried than you may actually be able to qualify for your former partner’s social security benefit depending on their work record. 

Another thing to keep in mind is that if you are still working, and haven’t reached full retirement age, then your survivor benefit could be affected by the limit of earnings set by Social Security. 

Further, the surviving spouse did not have to work long enough – or at all – to qualify for their own social security to get survivor’s benefits. They can still, likely, collect the benefit from their decease spouse’s social security. 

Paying the Bills After Your Spouse Dies

For couples who have been receiving two incomes – as in two social security benefits coming in – they may find themselves relying on that money to make sure they can pay the bills every month. By the way, we also wrote a guide on how to pay funereal with little to no money.. By the way, we also wrote a guide on how to pay funereal with little to no money.. 

When a spouse dies, the survivor benefit will only pay out one of the two benefits: either the social security OR the survivor’s benefits, whichever is higher. 

For this reason, many widows/widowers find it very difficult to pay the bills when their spouse passes away. They may have to sell or downsize their homes, and some even are moving in with their adult children. 

In some cases, depending on the age in which their spouse passed away, widows/widowers may even stay working for years longer than they would have wanted because they need that extra income to pay the bills. 

Does Social Security Help With Paying Final Expenses?

In some ways, yes social security will help with paying the final expenses for your spouse. They will pay out a one time, lump-sum of $255. 

The requirements for receiving this benefit are that the spouse must have lived with the deceased and it must be claimed within 2 years of the death. If there is no surviving spouse, then it can be paid out to a child. 

Read More: Tax Planning for Seniors – All Your Questions Answered

How Long Does a Survivor Receive the Benefits For?

The surviving spouse’s benefits will be received for as long as the surviving spouse is alive.

If the widow/widower receives some additional benefits because there were minor dependents when the deceased person passed away then those additional benefits will cease when the dependent turns 18. 

Other Financial Concerns

Once things have settled from the passing of your spouse, you may be unsure about what to do next in terms of finances. You want to make sure you are going to be able to survive and be able to afford your lifestyle, without too much compromising. 

This may be a great time to sit down with a financial planner to make sure you have a plan in order and are going to be able to afford to live in the coming years.

When people retire, their income earning potential greatly declines so you don’t want to go to the bank one day and realize you don’t have any money left. 

Talk to you financial planner or advisor, let them know what your goals are. You may want to downsize your home because you don’t want to live in a big house on your own, or without your spouse. 

So you may have a large chunk of money coming into your account from the sale of your home too. No matter what your plans are, having a plan in place is the most important thing so that you know are financially secure. 

 In Summary

Losing your spouse is one of the hardest times anyone can go through. There are so many things to take care of and worry about when it comes to final arrangements and closing out accounts. 

Worrying about money comes when the dust settles and reality starts to come into light. Right away, the surviving spouse may not be worried about how they’re going to pay the bills because they are ok right now but in a few years the money may not be there. 

Making a financial plan would be a good idea so that you know you will be able to afford your lifestyle as the years go on. You may have additional assets you can leverage, or you may be able to move in with family to help reduce costs. Taking care of yourself is important during this time and that includes financially. 

If you have questions about survivor’s benefits or how much you qualify for, you can always call the Social Security Administration to determine what’s available to you. They will be able to provide you with the dollar amounts unique to your case, and that way you’ll know exactly what you can depend on when the time comes.