What is Adult Day Care?
Adult day services emerged several decades ago. It's an alternative to institutional care when families need help caring for a loved one, but either cannot afford assisted living or chooses to care for one at home.
Adult day care (ADC) offers mental, social, and physical stimulation and activities for adults who have lost some independence because of physical or cognitive impairments or chronic health conditions. ADCs are different from senior community centers that attract the more self-reliant, independent and mobile older adults.
At daycare, one can expect to receive meals, activities, and care for households where the family caregiver cannot provide care at home during the daytime. During Covid, services are also offered at home and remotely by Telehealth.
Adult Day Care
Monmouth Medicare Advisors highly recommends the great staff and facilities at these three Adult Day Care centers in New Jersey
All the centers accept Medicare. Please contact Monmouth Medicare for more information and to schedule a visit for Adult Day Care
Day Care centers in New Jersey
Welcome to Monmouth Insurance Advisors
For a no-cost consultation about your Medicare, contact Dave Nahan at Monmouth Insurance Advisors.
Dave is a state licensed insurance agent in New Jersey and Pennsylvania who specializes in the Medicare and Senior Markets. Dave will conduct a needs analysis to find the best plans that fit your individual situation and budget.
Whether you are just turning 65, leaving your employer plan, thinking about making a change from your current plan, have been out on disability and also collect Medicaid benefits, or just want to know the basic facts about Medicare, Dave will guide you with the right information.
Monmouth Insurance Advisors represents the top Medicare insurance companies in New Jersey and Pennsylvania, including Horizon Blue Cross, United HealthCare, Aetna, Cigna, Humana and Clover.
We are always furthering our knowledge of the latest plans and best benefits that meet our clients needs and many times can save them time and money finding the right Medicare plan for them.
Whether you are looking for a Medicare Supplement plan, or a Medicare Advantage plan, a new Prescription Drug plan, or not sure which way is best, contact Dave at Monmouth Insurance Advisors for a no cost and no obligation consultation at (732) 996-9566.
Health Insurance Coverage:
Acquiring health insurance is an important choice we can make to guarantee our well-being.
There are many health insurance policies offered in every state and they differ based on their markets or the insurance company providing them. Among the most widespread health insurances are Medicare, Prescription Assistance, Children’s Health Insurance Program (CHIP), and the Federal Employees Health Benefits Program. Depending on the type of insurance and the policies concerning them, there are different ways to obtain coverage and factors one must consider when deciding which among these insurances are suitable.
Health Care provides insurance for individual markets and those that are purchased through the federal marketplace. One can also obtain health insurance through their employers. In fact, it is oftentimes considered the most affordable since employers pay a portion of the cost and may even qualify us for a tax credit if we wish to purchase through the federal marketplace. Older beneficiaries aged 65 and above, on the other hand, may avail for Medicare and Medicare Supplement programs which are usually funded by the government.
Each state schedules 1.5 months for individuals to obtain health coverage. Special enrollment periods are open throughout the year for changes in status such as getting married, losing a job, or transferring to a different area.
Life Insurance Coverage:
Death is inevitable for everyone. That is why right now, it is important to think ahead not just about ourselves, but also about how our loved ones can manage when we’re gone.
Among the aspects we need to check is their financial security. This means that we need to make sure that in the event we are no longer around to take care of them, they will be as financially stable as when we were still alive and providing income. Apart from that, we also want to ensure that our families won't be burdened with certain costs like debt, long-term medical expenses, and funeral fees.
This is where life insurance enters. It is generally a contract between the insured person and the company providing the insurance. When one decides to purchase life insurance, he agrees to pay the insurance premiums or the payment for the contract either as a lump sum or in installments. In exchange to these payments, the company will provide a certain amount of money to the beneficiaries; those whom the insured person designated to receive the money upon his or her death. Some life insurance policies include other eventualities such as diseases or injuries. In other words, life insurance works as a bank in case something unthinkable happens and we don’t want our loved ones to struggle financially.
To schedule a free consultation, call Monmouth Insurance Advisors:
Dental & Vision Insurance:
• Pays benefits directly to insured unless assigned to provider
• Guaranteed acceptance/renewable
• Issue Ages: 0 yrs. – 89 yrs.
• $1,000/$1,500 max benefit/policy year
•Plan deductible = $100/policy yr pp
• Freedom to choose any provider or get better pricing by going in-network
• After deductible, plan pays:
Year 1 = 60%; Year 2 = 70%; Year 3+=80%
• Examinations/cleanings (2x per year)
• X-rays and fillings
• Non-surgical extractions
• Emergency palliative treatment
Covered after 12 months:
• After deductible, plan pays:
Year 2+ = 60%
• Endodontics (includes root canals)
• Periodontal surgery
• Bridges, crowns, and full/partial dentures
Covered after 6 months:
• After deductible, the plan pays:
Year 1 = 60%; Year 2 = 70%;
Year 3+ = 80%
• Pays to $200 during any 2 policy years
• Eye examinations
• Eyeglasses/contact lens
Medicare is a health insurance program funded by the federal government for those aged 65 and above and as well as people with disabilities. In order to help beneficiaries to understand the Medicare process, there are specific organizations for every state which may even provide them subsidies depending on their circumstances and existing policies.
Medicare generally have Medicare Advantage Medicare Part D, and Medicare Supplement Insurance plans. Medicare Advantage plans cover both hospital and medical insurances, and may include additional benefits. Part D plans can be paired with hospital and medical insurances to cover prescription drugs at minimal costs. Supplement Insurance plans on the other hand, can be purchased in addition to hospital and medical insurances to cover co-payments, deductibles, coinsurances, and other medical services not covered by other plans.
These plans in general have a monthly premium amount we are responsible for, apart from what we will pay for hospital and medical insurances. The costs may differ depending on state policies and the company providing these plans. At times, these costs may prove taxing especially if we need regular prescription drugs and medical attention.
In case of difficulties in paying these amounts, we can certainly avail for Medicare Savings programs to cover for our co-payments, deductibles, and co-insurances. In most states, there are usually four Medicare Savings programs one may qualify. Among these is the Qualified Medicare Beneficiaries or QMBs which helps low-income individuals and married couples pay for hospital and medical insurance premiums, as well as co-payments, deductibles, and cost-sharing.