If you’ve ever helped arrange a funeral, you know even the most basic funerals can be difficult to afford. Pre-planning for events you know will occur can help take some of the pain out of the those expenses for yourself and your family.
One of the best ways to control these costs is to plan ahead by knowing the average cost of a funeral and what each of the items cost. Once you know the costs, you can decide which items are must-haves, what would be nice, and what you can do without.
Families often emotionally overspend by thousands of dollars when purchasing funeral arrangements. This is common for several reasons:
So, why is it we don’t shop for funeral costs?
The cost of a funeral with a burial or cremation is just as expensive – sometimes more expensive – than other big purchases we normally compare prices on before buying.
Fortunately there are ways to save. one of the many ways families can save on funeral expenses is by shopping for the funeral services and items they want. most consumers don;t think about shopping around for funeral expenses, but it is important to understand all of your options before purchasing anything or selecting a funeral home.
The Legacy of Love – Funeral Planning is here as a valuable resource for your funeral needs. we will not only assist in Pre-Planning your arrangements, but also assist your family at time of need. We will make suggestions, and provide guidance to your family to ensure prudent decisions are made, and money is saved, all in accordance with your funeral wishes and plans.
Did you know the average cost of a funeral is OVER $13,000!
Fortunately there are ways to save. Her are some tips:
More and more people are making the choice to cover their own funeral expenses – both to make sure their final wishes are carried out and to save their loved ones the burden of taking care of the arrangements and the cost upon their death. Legacy of Love – Funeral Planning works with you during the planning process, and with your family at time of need, to assure your wishes are completed in the most affordable manner possible.
Bristol, Tennessee
Available by Appointment 10am-4pm
Medicare Part A provides benefits for SNF if certain requirements are met.
For many years facilities would apply the "Improvement Standard" however in Jimmo v Sebelius that changed. Medicare will cover skilled care provided in a skilled nursing facility, at home, or as outpatient therapy, regardless of whether a patient is likely to improve as long as they continue to meet qualifying criteria.
Medicare's coverage of a skilled nursing facilty stay is limited to a maximum of 100 days per benefit period.
The benefit period can sometimes be referred to as a spell of illness.
There is no limit to the number of benefit periods available to Medicare Beneficiaries. However, once a benefit period ends a beneficiary must have another three-day qualifying inpatient hospital state and meet the other requirements noted earlier before they can get another 100 days of SNF benefits.
If a person is released or no longer needs SNF but then later requires the SNF care again:
Medicare Part A does have a deductible that must be paid for any hospital admission and those rates can change from year to year. You can visit cms.gov to check the current Medicare Part A deductible.
Medicare pays for the first 20 days of skilled nursing facility care, with no deductible or coinsurance. However, the patient is responsible for daily co-payments after the twentieth day. For 2023, the daily SNF co-payment was $200 for days 21 through 100. After 100 days in a benefit period, the beneficiary must pay all costs.
Medicare Supplement plans, Medicare Advantage Plans, or Supplemental Hospitalization plans can help reduce these costs if you have one of those plans for an additional monthly premium.
Medicare will pay for home health care if a person meets certain eligibility criteria and if the services are considered resaonable and necessary for the treatment of the person's illness or injury.
Medicare covers home health care; it does not cover home care when personal care is the only type of care needed.
To receive Medicare-covered home healthcare benefits, a person must be eligible for and enrolled in Part A and/or Part B. The following requirements must also be met:
Home Health Aide Services:
Medical Social Services - Ordered by a doctor to help a person with various social and emotional concerns related to an illness that may interfere with the person's treatment or recovery.
Physical, Speech-Language, and Occupational Therapy - If ordered by a doctor.
Excluded Services:
There is no limit to the length of time that a person can receive home healthcare benefits. Once a person meets the initial qualifying criteria.
Recertification is required at least every 60 days when the patient needs continuing home healthcare.
Begining in 2019, CMS expanded the definitional scope of "supplemental benefits" that Medicare Advantage plans can offer. But all Medicare Advantage plans are not same as they may have different rules, costs, and restrictions on services but required to provide at least the same level of coverage as Original Medicare (Part A & B).
Additional Services that may be included with your Medicare Advantage plan:
Adult Day Care Services - services provided outside the home, such as assistance with activities of daily living and instrumental activities of daily living.
In-Home Support Services - services performed by a personal care attendance to assist disabled ormedically needy individuals with ADL's.
Home- Based Palliative Care - services not covered by Medicare in the home for palliative care ("comfort care") to diminish symptoms of a terminally ill enrollee with life expectancy of more than six months.
Transportation for (nonemergency) Medical Services - transportation to obtain Part A, Part B, Part D, and supplemental benefit items and services. It can not be used for non-medical services such as groceries and errand.
Home Safety Devices and Modification - safety devices to prevent injuries in the home an/or bathroom.
(423) 689-3061
Bristol, Tennessee
Licensed in:
Tennessee, Virginia, North Carolina, South Carolina, Georgia, & FLorida