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By: Sipi Gupta | September 16, 2019

If you're enrolled in the Qualified Medicare Beneficiary (QMB) Program and get a bill for Medicare deductibles, coinsurance, and copayments, here are three things to do:

Tell the provider or debt collector that you have QMB and can’t be charged for Medicare deductibles, coinsurance, and copayments. Show your provider your Medicaid or QMB card every time you get medical services or items. If you already made payments on a bill for services and items Medicare covers, you have the right to a refund.

If the medical provider won’t stop billing you, call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. The agent can confirm that you have QMB. Medicare can also ask the provider to stop improper billing, and refund any incorre...

By: Sipi Gupta | September 13, 2019

Although special needs planning can seem overwhelming, it is important to begin identifying what your son or daughter will need throughout his or her life and the what-ifs for when you are no longer there.


Step 1: What Will Be Needed?

  • A future needs assessment taking into consideration your child's disability and anticipated resources - either from public programs like Medicaid and SSI or through private funds. 
  • Tracking regular and intermittent expenses to give you a baseline that includes the costs associated with your child's day-to-day living
  • Contact nonprofits for people with disabilities that offer support and education as well as the invaluable opportunity to connect with and learn from the experiences of others.  
  • Get a...

By: Sipi Gupta | January 27, 2017

Estate planning can be overwhelming. You know it’s the right thing to do, you want to get it done, but it’s easy to put off until tomorrow. The process is even more difficult for those who must consider the care and comfort of a family member with disabilities.

To get started, take it one step at a time.

1. Get Organized. Make a list of your assets and their approximate values. Don’t forget to include beneficiary-designated assets (such as life insurance and retirement plans) and tangible personal property, such as rare books, old coins, antiques, and jewelry. If you are the primary caregiver for an individual with disabilities, gather the most important documents someone else will need to take care of that person. Put everything in one pl...

By: Sipi Gupta | January 21, 2017

  • Make a Plan and Keep It Updated. Planning for your dependent’s future needs goes beyond weekly/daily medical treatments. Caregivers need to review beneficiary designations, apply for government benefits, prepare a Last Will and Testament, and carefully consider other planning techniques unique to each individual situation. Update your plan every 3-7 years to stay on top of changing laws and regulations.
  • Work With an Expert. Effective special needs planning requires a high degree of specialized knowledge and expertise. The same holds true for dealing with issues of medical insurance authorizations for specialized services and products such as physical therapy and medical equipment. Make sure your support team includes an experienced att...