First identify whether there is an urgent health or safety issue, then identify the single financial or coverage problem that requires action first.
Do not solve everything at once
First identify whether there is an urgent health or safety issue, then identify the single financial or coverage problem that requires action first.
Gather the minimum useful file
Start with insurance cards, medication list, doctors, recent bills and Explanation of Benefits statements, recurring income, long-term-care insurance if any, and existing powers of attorney or health-care documents.
Find out who is authorized to act
Being a son or daughter does not automatically authorize access to every account or record. Depending on the issue, your parent may need to join the call or provide an account-specific authorization or legal document.
Before paying a large medical bill
Compare the bill with the insurer’s Explanation of Benefits, request billing detail when needed, confirm insurance was billed correctly, and ask about financial assistance, appeals, reductions, or payment plans.
Use the right local resource
SHIP can help with Medicare. Area Agencies on Aging and the federal Eldercare Locator connect older adults and caregivers with local aging services and supports.
Be cautious with Medicaid planning
Long-term-care Medicaid rules are state-specific. Do not make large transfers, gifts, or account changes simply because someone says it will help eligibility.
PRIMARY SOURCES
Where this guidance comes from
Rule-sensitive guides prioritize government and other primary sources. Links open the official source in a new tab.
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