Western Montana Area VI Agency on Aging, Inc.
Transcription
Western Montana Area VI Agency on Aging, Inc.
Western Montana Area VI Agency on Aging, Inc. Serving Seniors in Western Montana 110 Main St. Suite 5, Polson, Mt 59860 883-7284 or 1-800-551-3191 - October 2014 www.westernmontanaagingservices.org It’s That Time of Year Again! That phrase means different things to different people. For instance, it could mean time to start Christmas shopping, time to get the garden planted, time to send the kids back to school or time to get out the snow shovel. To the Area VI Agency on Aging and those on Medicare it means the beginning of the annual open enrollment period to change your Part D plan or Medicare Advantage plan. October 15th through December 7th is the Open Enrollment Period for Medicare Advantage and Medicare prescription drug coverage. You can: Change from Original Medicare to a Medicare Advantage Plan. Change from a Medicare Advantage Plan back to Original Medicare. Switch from one Medicare Advantage Plan to another Medicare Advantage Plan Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage that offers drug coverage. Join a Medicare Prescription Drug Plan. Switch from one Medicare drug plan to another Medicare drug plan. Drop your Medicare prescription drug coverage completely. January 1st through February 14th is the Medicare Advantage Disenrollment Period. You can: leave your Medicare Advantage Plan and switch to Original Medicare. If you switch to Original Medicare during this period you will have In This Issue until February 14th to also join a Medicare Prescription Drug Plan to add drug coverage. Your coverage will begin the first day of the Bits & Pieces 2 month after the plan gets your enrollment form. Foster Grandparents 3 During the January 1st through February 14th Disenrollment Period you cannot: SMP/Medicare News 4 Switch from Original Medicare to a Medicare Advantage Plan. Caregiver Notes 5 Switch from one Medicare Advantage Plan to another. RSVP 6 Switch from one Medicare Prescription Drug Plan to another. Ombudsman 7 Join, switch, or drop a Medicare Medical Savings Account Plan. Medicare beneficiaries have the option of doing nothing and you will Talking to your Doctor 8 be automatically re-enrolled in your existing plan for another year. Lincoln Co Resources 9-11 The risk is that they may have made changes to their plan that could have an adverse effect on you and you may not be able to change to a better plan until the next year. The Area VI Agency on Aging has 8 certified SHIP counselors to assist you with information and comparisons when choosing your 2015 Part D plan or Medicare Advantage plan. Call to schedule your appointment during the open enrollment period from October 15th through December 7th. Please call 883-7284 or 1-800-266-4188. BITS AND PIECES DONORS - March through August, 2014 Western Montana Area VI Agency on Aging, Inc. would like to applaud Walter and Louise Schock, Gerald Zero, Stevia Whitaker, Ken Cameron and Ellery and Sally Steward for their generous contribuons to the Agency. All monies will be put toward connuing services to Seniors and the Disabled in our area. Those who would like to make a donaon can send a check to our office at 110 Main St, Suite 5, Polson. We thank you for your generosity and truly appreciate your community spirit. Hello- My name is Samantha, I recently accepted the position of Aging & Disability Resource Center Technician at the Area VI Agency on Aging .I live in Polson with my life partner Steven-and the love of my life, my 10 pound Miniature Pinscher Amos Roscoe Walker. I remember vividly when I first entered the great state of Montana-I thought I had just fallen into heaven; I have no intention to ever leave this great state. My favorite hobbies are my yard work and finding old beat up furniture (my rescue finds) and making them new again. I have two children, Brock, who lives in Honolulu, Hawaii and Caleb, who lives in Ft. Worth, Texas. I have one wish and that is to one day become a Grandmother - I have been told not to count on it anytime soon. That’s alright I am a very patient person! My mantra is ,“There is much to fear, but I am fearless” Fraud against Older Adults: Fraudulent telemarketers rob people every day, using phones as their weapons. These criminals target seniors because they are generally too polite to hang up. It’s a myth that older victims are isolated or lonely—many are active people who are lured by great-sounding deals. Fraudulent telemarketers aren't just pushy salespeople trying to make a living—they are hardened criminals out to take their victims’ life savings. They're so good at what they do, they can even persuade people to mortgage their homes to participate in their phony sweepstakes, investment offers, and other schemes. Sometimes they use scare tactics to sell products or services. In other cases, they impersonate well-known companies or charities to trick seniors. To help older adults, their families, and caregivers understand the threat of telemarketing fraud and learn how to fight back, Fraud.org has created an online information page entitled "They Can’t Hang Up". This information educates older consumers about the telltale red flags of potential scams, and provides advice on preventing fraud and assists victims in understanding their rights. Big Sky RX and Extra Help If you are on Medicare Part D and need financial assistance with your prescription drugs you may be able to get help from the Montana Big Sky RX program and the Federal Extra Help program. BIG SKY RX is a Montana program that helps pay the monthly premiums up to $30.00 for people on a Medicare Part D prescription drug plan. Big Sky RX income guidelines are generous, and people who typically do not qualify for other programs often meet the requirements to qualify for Big Sky RX. ASSETS DO NOT COUNT TOWARD YOUR ELIGIBILITY. If you qualify for the Big Sky Program you can enroll in Part D at any time. Anyway you look at it, Big Sky RX is a great deal for Medicare Part D recipients. The EXTRA HELP program pays premiums, deductibles and co-payments for people on Medicare Part D prescription drug plans who fall within the income and asset guidelines. YOUR HOME AND ONE VEHICLE DO NOT COUNT AS ASSETS. These are two great programs that many people are missing out on because they assume they make too much money to qualify. Call our office at 1-800-551-3191 or 883-7284 and we will do a very quick assessment for you. Page 2 Senior Echoes Western Montana Area VI Agency on Aging, Inc. Foster Grandparent Program Maxine Garcia, Director 110 Main Street, Suite 5 Polson, Mt 59860 1-800-266-4188 or 406-883-7284 Fax 406-883-7363 [email protected] Tax I.D. # 81-0345779 The Foster Grandparent Program has been busy this fall. Schools have started and we have been placing new Foster Grandparents as quickly as I can get them oriented. We currently have 5 new Foster Grandparents. We welcome Sharon Hill, Tickie Davis, Nannette Martin, Linda Chesmore, and Betty Whitman. We still have immediate openings for Foster Grandparent volunteers in Lake and Ravalli Counties. With the start of the new school year, one of our Foster Grandparents working with second graders told me that one little boy, Leif, said to her, “I didn’t like the first 2 days of school, but now I can be by you, so I like it now.” That is what this program is all about, Foster Grandparents making connections with children, so they want to be in school. Our newest volunteer station is Montana Co-op/Kids Co-op. This is a mentoring station working with older children. Kids learn many facets of a real life business specializing in recycled and healthy food products and a wide range of services benefitting the community. The hours are very flexible. If you know of someone who would fit the bill, give us a call 883-7284, or call Jason Moore (406)285-1149. The annual Foster Grandparent Recognition Luncheon will be Wednesday October 15, 2014, in Polson. The theme will be “The Magic of Foster Grandparenting”. Senior Echoes Page 3 “Largest Ever” IRS phone scam This scam is not Medicare-related, however this widespread and sophisticated phone scam has cost thousands of victims more than $1 million. Callers impersonate Internal Revenue Service representatives and demand immediate payments with pre-paid debit cards and wire transfers. Callers use scripted tricks to convince the targeted victims that they owe thousands of dollars and are in danger of imminent arrest if they do not take immediate action. The scam originally targeted immigrants and threatened them with deportation, but has recently expanded to all taxpayers. The caller will ask where the person was born and adjust their threats accordingly. Callers will claim to be from the “Federal Investigation Department” and the IRS. The real IRS contacts taxpayers first by mail or with personal visits, not by phone, so this claim should immediately raise a red flag. As to the claim that the victim owes thousands of dollars in overdue taxes, again, the IRS would notify taxpayers of this by mail or in person, not by phone. The caller tells the victim he cannot use standard forms of payment, specifically a credit card. The IRS has no such policy. The caller tries to justify why the money has to be wired to a Paypal account through a prepaid debit card. Callers often also hide their location by using Voice Over Internet Protocol (VOIP) services. This conversation takes place over the internet and allows scammers to pretend they are calling locally or from an actual IRS assistance number: 1-800-829-1040. Calls like this have been reported in Western Montana in recent months. A woman from Polson was called several times on her cellphone and threatened with a lawsuit, and told that the police were on their way to her house. A man in Rollins received a similar call. If you receive such a call, do not give them personal information or send money. If you have actually lost money report it to the police. These fraud calls should be reported to the Federal Trade Commission at 1-877-382-4357, and also to the Treasury Inspector General for Tax Administration (TIGTA) at 1-800-366-4484. Page 4 Senior Echoes Fight for your Rights As a caregiver you must be adept at dealing with insurance issues, especially in today’s complicated world of HMO’s, PPO’s and long term care policies. The language alone is enough to send you packing. What happens if your insurer refuses to pay part, or all, of your bills? It is not that uncommon. What many people don’t realize is that they can appeal if their insurer says no and people who know their rights have an outstanding chance of winning those appeals. Let’s hope you never have to go through that. However, as they say, “An ounce of prevention is worth a pound of cure.” The following are a few suggestions on how to arm yourself should the need to appeal a refusal of insurance payment arises. 1) Save everything! Don’t discard any insurance papers or any papers pertaining to your treatment. Save receipts for all doctor’s visits and all prescriptions. Save copies of referrals to specialists. When you are speaking with any employee at the insurance company, write down their full names, positions, extensions, and whatever they tell you to do. Keeping all of these things in a portfolio in some kind of order can only help you organize. 2) Make sure your appeal is airtight. Writing a letter stating your position is your first step. A letter is documentation--a phone call is not. Your letter should be detailed, yet concise. Include important information like your claim number, group number and policy number. State the reason for coverage denial then describe your illness and treatment. Next, state why you believe that your insurers made the wrong decision and then offer a solution. Close by saying what you would like your insurers to do. Your primary care physician and any specialists involved should write letters as well (provided they are on your side). 3) Obtain your doctor’s full support. Your primary care physician will most likely be anxious to stand by you through this ordeal. After all, they prescribed a drug or recommended a procedure that your insurer doesn’t want to pay for. In these cases, your doctor’s support is vital to your appeal’s success. So don’t take it lying down. You have certain rights as an insurance consumer. A very small percentage of people ever appeal under these circumstances, but it should happen more. It is probably easier for the insurance company to just pay the claim rather than fight it. Adapted from Caregiver Magazine Written by: Michael Plontz Senior Echoes Page 5 Wh M ak m oIA es ce n e r ffe A Di 9-11 Was a day to recognize And thank All the volunteers Who do so much for our community We couldn’t Greet each of you Personally So we are sending a big Virtual hug of thanks MAKE A DIFFERENCE IN YOUR COMMUNITY CALL LAKE LINCOLN MINERAL RAVALLI VISIT OUR WEBSITE Page 6 883-7284 291-4490 822-4800 363-1102 WWW. RSVP Montana.org Senior Echoes Long-Term Care Ombudsman Notes A History of Celebrating Residents’ Rights One way to honor residents receiving long-term care is by celebrating Residents’ Rights Month 2014. This is an opportunity to show tribute to residents and support long-term care Ombudsmen, citizen advocates, facility staff and family members who work to promote and support residents’ rights. Setting aside a month to focus on rights is an effective way to ensure this important topic is recognized in our communities, facilities and state. Residents’ Rights Month is celebrated each October and is designated by the National Consumer Voice for Quality Long-Term Care* (the “Consumer Voice”), to highlight residents living in all long-term care settings. It is a time to reflect on the importance of the Nursing Home Reform Law of 1987 that promises quality of life, quality of care and rights for each resident. During this month, the Consumer Voice also gives special recognition to the work of thousands of individuals who collaborate daily to help assure dignity, privacy and other basic human rights-often taken for granted in the community-are maintained as an integral part of the lives of residents living in longterm care settings. Residents’ Rights Month originated as Residents’ Rights Week in 1981 at a Consumer Voice annual meeting. Several nursing home residents in attendance from across the United States decided it would be special for all residents if time were set aside to celebrate residents and their rights, separate from annual National Nursing Home Week events always held in May. The Consumer Voice organized a successful petition drive to persuade Congress to designate a “Residents’ Rights Day.” Senator Claude Pepper (D-FL) and Senator David Pryor (D-AR) responded by introducing a congressional Resolution for that purpose. The Consumer Voice was also successful in making arrangements to take five nursing home residents to the White House to meet with President Carter’s Special counselor on Aging, Dr. Harold Sheppard. Since 1981, The Consumer Voice has preserved the tradition of celebrating Residents’ Rights, and, in 2011, Residents’ Rights Week was expanded to Residents’ Rights Month. This expansion provides additional time for residents/facility staff, family members, community advocates and Ombudsmen to conduct educational programs and festive events to call attention to this important topic. This year’s theme “Better Staffing: The Key to Better Care” was selected to call attention to staffing and long-term care. For more information on how to get involved in this year’s celebration of Residents’ Rights, contact the Ombudsman program at Western Montana Area VI Agency on Aging at 883-7284. You will be given the name and contact information for the local Ombudsman in your area. Senior Echoes Page 7 AFFORDABLE CARE ACT INFORMATION The 2015 Open Enrollment period for insurance coverage through the Marketplace is November 15, 2014 to February 15, 2015. Coverage can start as soon as January 1, 2015. Once you have Marketplace coverage it is important to report life changes such as a change in income, moving or having a baby. Visit LocalHelp.HealthCare.gov to find help in your area or call 1-800-318-2596 24/7 or 1-888-7061535 Monday through Friday 8 am to 5 pm. REMINDER: If you are on Medicare you are not affected by the Marketplace in any way. TALKING WITH YOUR DOCTOR When it comes to talking to your doctor about your health care it is easier said than done. Everyone wants to be an active partner in making their healthcare decisions but many seniors are hesitant to question their doctor. You have a right to ask questions and receive answers when you have concerns or do not understand what is happening. Before you go to the doctor you should prepare for your appointment by making a prioritized list of concerns and questions. Make a note about other health changes in your life that your doctor may not be aware of. Be sure to take your insurance cards and a complete list of your prescriptions and over-the counter medications, vitamins, supplements or eye drops that you take. Wear your glasses and hearing aids. You may be more comfortable if you take your spouse or a friend with you as “extra ears”. When you are face-to-face with the doctor share information about your symptoms: What are they When did they start How often do you have them Are they constant or only sometimes What makes them better or worse How do they affect your daily life A doctor-patient communication is a dialogue. You share your health concerns and he asks questions about your symptoms. You answer the questions and the doctor shares the diagnosis and treatment. You ask questions and the doctor answers the questions. You may have questions about any medical test the doctor recommends: What will the test tell us What does it involve How should I get ready Are there any dangers or side effects You may also have questions about the diagnosis: What may have caused this condition How long will it last? Is it permanent How is this condition treated or managed How will it affect me Questions about treatment options should include: What are my treatment choices What are the risks and benefits Ask yourself which treatment is best for you based on your values and circumstances You should repeat what the doctor tells you to make sure you understood correctly. “So I think what you said is………….Did I get that right?” Open communication with your doctor is crucial to creating a good doctor/patient relationship and having confidence in the advice and care you will be receiving. Be an active partner in all your healthcare situations. Don’t be afraid to Speak up. Page 8 Senior Echoes LINCOLN COUNTY RESOURCES Western MT Area VI Agency on Aging, Inc., Duane Lutke, Director 110 Main St. Suite #5, Polson, MT 59860 - 800-551-3191 or 406-883-7284 INFORMATION AND REFERRAL Certified Information and Assistance (I&A)Technician on aging issues, Counselor for the State Health Insurance Assistance Program (SHIP) for Medicare, and Medigap Insurance Eureka-Bonny Peterson-SHIP/I&A 297-2188 or 1-800-551-3191 Libby-Sandy Romey-SHIP/I&A 293-8299 or 1-800-551-3191 LONG TERM CARE OMBUDSMAN Connie LaSalle -State Long Term Care Ombudsman Office on Aging, Box 4210, Helena, MT 59604 Vanessa Fitchett– Regional Long Term Care Ombudsman 110 Main Street, Suite # 5, Polson, MT 59860 Julie White - Local Long Term Care Ombudsman 800-332-2272 800-551-3191 or 741-5400 741-3647 or 212-7071 MEDICAID CASE MANAGEMENT Spectrum Medical, Inc., John Freemole, Director, 1825 Hwy 93 S, Suite F, Kalispell 752-0580 HEALTH SERVICES Cabinet Peaks Medical Center, 209 Health Park Drive, Libby, MT 59923 Center for Asbestos Related Diseases, 214 E 3rd St., Libby, MT 59923 Eureka Health Prompt Care– Eureka, MT 59917 Kootenai Volunteer Hospice. Libby Libby Clinic, 211 E. 2nd St. Libby, MT 59923 North Country Medical Clinic– Eureka, MT 59917 NW Community Health Center, 320 East 2nd St, Libby, MT 59923 283-7300 293-9274 297-3145 295-2255 293-8711 297-2438 283-0900 HOME HEALTH HOSPICE Home Options, Libby, MT 59923 283-7300 HOMEMAKER & PERSONAL CARE SERVICES Addus Health Care, 415 W 9th St. Libby, MT 59923 A Plus Health Care-1310 Main, Kalispell, Mt 59901 Home Caregivers-PO Box 52, Eureka, MT 59917 Personal Touch Home Care, Kalispell LEGAL SERVICES Legal Service Referral- Lincoln County I & A - Sandy Romey 293-9651 755-4968 889-3372 1-800-344-5979 or 752-6565 800-551-3191or 293-8299 LINCOLN COUNTY SENIOR CITIZEN CENTERS Libby Senior Citizens Center, 206 E. 2nd Street, Libby, MT 59923 Kootenai Senior Citizens, Inc., 304 3rd Street, Troy, MT 59935 Tobacco Valley Senior Citizens, Inc., 310 First Ave. E, PO Box 745, Eureka, MT 59917 293-7222 295-4140 297-2188 LINCOLN COUNTY COUNCIL ON AGING Ron Higgins, President, 206 E 2nd St, Libby, MT 59923 293-7781 MENTAL HEALTH/SUBSTANCE ABUSE Flathead Valley Chemical Dependency Clinic, 711 California Ave, Libby Flathead Valley Chemical Dependency Clinic, 66121 Hwy 37, Eureka Western Montana Mental Health Center, Libby, MT 59923 293-7731 297-2822 293-8746 Senior Echoes Page 9 NURSING HOMES Libby Care Center, 308 E. Third, Libby, MT 59923 Mountain View Manor-Good Samaritan Center 10 Mountain View Dr., PO Box 327, Eureka, MT 59917 Northwest Community Health Center, Libby 283-6900 NUTRITIONAL MEAL LOCATIONS (Call for Congregate Meal Times and Home Delivered Meals) Kootenai Senior Citizens, Inc., 207 4th Street, Troy, MT 59935 Libby Senior Citizens Center, 206 E. 2nd Street, Libby, MT 59923 Tobacco Valley Senior Citizens, Inc., 310 First Ave. E, Eureka, MT 59917 295-4140 293-7222 297-2188 PERSONAL CARE HOMES Carol’s Adult Foster Care Home– Carol Roberts, 404 Idaho Ave. Libby, MT 59923 Libby Lodge of Love, Hwy 2, Libby St. Mary’s, 788 Tobacco Road, Eureka 293-6132 293-3334 889-5765 PUBLIC HEALTH Lincoln Co, 66121 Hwy 37, Eureka, MT 59923 297-2023 SENIOR FOOD DISTRIBUTION (Food Pantries) Eureka-205 Dewey Ave. (Wednesday 11:00-3:00 pm) Libby-724 Louisiana Ave., (Tues & Fri 10:00-2:00 p.m) Troy-Old Co. Library Building (Monday 1:00-2:30 pm) 296-2358 293-3332 295-5476 SENIOR CITIZEN & COMMUNITY SUBSIDIZED HOUSING Golden Lions Manor-703 E Grant, Troy 59935 Green Meadow Manor-403 Idaho Ave., Libby, MT 59923 Libby Plaza I & II -905 Commerce Way, Libby, MT 59923 Treasure Manor-610 Treasure Ave., #33, Libby, MT 59923 COMMODITY SUPPLEMENTAL FOOD PROGRAM Eureka—Tobacco Valley Senior Center Libby—Rick Kesling Troy—Ron Higgins SOCIAL AND HUMAN SERVICES AARP Consumer Affairs Division (Complaints or questions) Alzheimers Information & Referral-national number American Cancer Society CARD Clinic (Center for Asbestos Related Disease) 214 E 3rd St. Citizen’s Advocate in Helena Compulsive Gamblers National Information Elder Abuse-Adult Protective Services - Rod Boyer Human Resource Development Council-Fuel Assistance, Weatherization Helpnet-Information & Crisis Referral Insurance Commissioner, State of Montana Medicare MonTech-Technology related assistance program Page 10 293-6285 296-2541 295-7507 293-5651 293-3345 293-8268 297-2188 283-2314 293-7781 444-9405 800-272-3900 800-422-6237 293-9274 800-332-2272 800-522-4700 293-3757 293-2712 800-332-8425 800-332-6148 800-633-4227 800-732-0323 Senior Echoes Montana Board of Housing 836 Front St. Helena, MT 59620 Montana Dept of Commerce, Reverse Annuity Mortgages (RAM) Montana Legal Services Association, Missoula Montana Veterans Affairs Division, Kalispell NARCS Anonymous Office of Public Assistance, PO Box 1570, Libby , MT 59923 Radio Reading Service-924 3rd St. W., Missoula 59801 Social Security Administration Social Security-275 Corporate Dr., Kalispell, MT 59901 State Health Insurance Assistance Program (SHIP) Summitt Independent Living Center, Northwestern Montana Summitt Independent Living Center, Flathead and Lincoln Counties Veterans State Administration Veterans- Fort Harrison, Helena, MT Veterans Transportation Network for disabled veterans Veteran’s Primary Care Services, Libby Clinic VFW Loan Closet-Hospital Equipment Victims Advocate, Lincoln County Offices 444-3040 800-761-6264 800-666-6899 755-3795 800-990-6262 293-3791 800-942-7323 800-772-1213 888-487-0150 800-551-3191 800-398-9002 or 728-1630 800-995-0029 or 257-0048 877-468-8387 442-6410 800-332-6625 293-8711 293-7316 283-2415 TRANSPORTATION Lincoln County Transportation Service Serving Eureka, Tobacco Valley, Libby and Troy 877-745-7433 or 293-8024 VOLUNTEER OPPORTUNITIES Preventing Medicare Fraud (SMP) 800-551-3191 or 883-7284 (Preventing waste, fraud and abuse in health care) Foster Grandparent Program (FGP) , Cheryl Weatherell, Dir 800-551-3191 or 883-7284 (Recruiting seniors over 55 to work with at-risk children) State Health Insurance Assistance Program (SHIP) 800-551-3191 or 883-7284 (Assists people over 60 with Medicare, Insurance and billing forms) Retired Senior Volunteer Program (RSVP) 800-551-3191 or 883-7284 MAKE A DONATION Send your tax deductible donation to: Western Montana Area VI Agency on Aging, Inc.110 Main St. Suite 5, Polson, Mt 59860 If you would like to make a donation on a regular basis let us know and we will send you a reminder. You may also give a donation to Area VI Agency on Aging in the name of a friend or loved one for any occasion. Call us at 883-7284 or 1-800-266-4188 if you need further information. Medicare Reminder - Flu Season Medicare covers 100 percent of the cost of a flu shot once every flu season, with no Part B deductible required, if you go to a doctor or other health care provider who accepts assignment. Vaccinations for flu and pneumonia are available through your doctor, Public Health Services and at many pharmacies. Senior Echoes Page 11 Western Montana Area VI Agency on Aging, Inc. 110 Main Street, #5 Polson, MT 59860 Phone: 406-883-7284 1-800-551-3191 Fax: 406-883-7363 Email: [email protected] Web Site: www.westernmontanaagingservices.org NONPROFIT CORPORATION U.S. POSTAGE PAID POLSON, MONTANA PERMIT #268 CHANGE SERVICE REQUESTED If you would like to make a tax deductible donation to help us continue providing services to seniors and those with disabilities please send it to: Western Montana Area VI Agency on Aging, 110 Main St. Suite 5, Polson, Montana 59860 If you would like to make a donation on a regular basis let us know and we will send you a reminder. You may also give a donation to Western Montana Area VI Agency on Aging. Inc. in the name of a friend or loved one for any occasion. Call us at 883-7284 or 1-800-266-4188 if you need further information. Western Montana Area VI Agency on Aging Aging Service Help line: 1-800-551-3191 or 406-883-7284 or 1-800-266-4188 Information & Assistance Advance Directives, Attorney Referral, Caregiver Options, Estate Planning, Housing, Home Maintenance, In-home Services, Long Term Care Planning, Nutritional Meals, Retirement Issues, Reverse Mortgages, Options Counseling, Powerful Tools for Caregivers Medicare/Supplemental Insurance, Commodity Supplemental Foods Program ,Transportation Long Term Care Ombudsman Service Ombudsmen help residents of nursing homes, transitional care units and personal care facilities understand and exercise their rights to good care. Volunteer Services Preventing Medicare Fraud (SMP), State Health Insurance Program (SHIP), Foster Grandparent Program (FGP), Retired & Senior Volunteer Program (RSVP)