Understanding Your Medicare Options

Understanding Your Medicare Options

Choosing the right Medicare coverage can feel overwhelming, especially when you're trying to protect an aging parent while balancing work, caregiving, and everyday life. In this episode of Healthcare Redefined: Advocating for Aging Adults and Their Families, hosts Pam Dunwald and Linda Kritikos welcome independent Medicare broker Kevin Mcguire to simplify Medicare in clear, practical language. Together, they explain Medicare Parts A, B, C, and D, compare Medicare Advantage plans with Medicare Supplement (Medigap) coverage, discuss prescription drug coverage, and highlight the questions every family should ask before choosing a Medicare plan. Whether you're enrolling in Medicare for the first time or reviewing your current Medicare coverage, this conversation provides practical guidance to help you make informed Medicare decisions with greater confidence. Pam, Linda, and Kevin also explore common Medicare mistakes that can lead to unexpected medical bills, delays in care, or coverage gaps. They discuss prior authorizations, out-of-pocket costs, prescription drug changes, annual Medicare reviews, and why working with an independent Medicare advisor can make a significant difference. You'll also learn how lifestyle, travel, chronic health conditions, provider networks, and future healthcare needs should all be considered when choosing Medicare coverage. If Medicare has ever felt confusing or intimidating, this episode offers straightforward answers to help you confidently navigate your healthcare coverage. Key Moments 00:00 – Why Medicare Decisions Can Feel Overwhelming Why Medicare decisions can feel overwhelming for caregivers and aging adults. 02:00 – Meet Medicare Expert Kevin Mcguire Independent Medicare broker Kevin Mcguire shares his healthcare and insurance background. 06:00 – Why an Independent Medicare Broker Matters How comparing multiple insurance companies can help families make better Medicare decisions. 10:03 – Medicare Parts A, B, C, and D Explained A simple breakdown of Original Medicare, Medicare Advantage, and prescription drug coverage. 15:30 – Medicare Advantage vs. Medicare Supplement Plans The biggest differences in costs, coverage, and flexibility. 21:40 – Prescription Drug Coverage and Medicare Part D Why medication costs surprise many families and how Medicare prescription drug coverage works. 24:45 – New Medicare Prescription Cost Changes Understanding Medicare's $2,000 annual prescription drug cap, payment plans, and negotiated drug pricing. 30:12 – Choosing the Right Medicare Plan for Your Lifestyle How travel, provider networks, health conditions, and budget affect Medicare choices. 36:19 – What to Bring to Your Medicare Appointment The documents, medication lists, and questions every family should prepare. 38:09 – Common Medicare Mistakes to Avoid Small details that can lead to unexpected bills or coverage problems. 42:49 – Hidden Healthcare Costs and Coverage Gaps Observation stays, hospital bills, and other Medicare surprises explained. 49:11 – Prior Authorizations and Out-of-Pocket Maximums What these insurance terms mean and why they matter. 52:16 – Annual Enrollment and When You Can Change Plans Understanding enrollment periods, special circumstances, and Medicare flexibility. 57:37 – Why Every Medicare Beneficiary Should Have an Annual Review How yearly Medicare reviews help keep coverage aligned with changing healthcare needs. 01:00:47 – Final Advice for Families Kevin shares his most important message for caregivers navigating Medicare decisions. About Kevin Mcguire Kevin Mcguire is the owner of Tailored Health Designs and an independent Medicare broker with more than eight years of Medicare experience, along with previous healthcare billing experience in medical clinics. His background allows him to help individuals and families compare Medicare options across multiple insurance companies while helping families understand how Medicare coverage decisions affect real-world healthcare costs. Kevin is passionate about educating families so they can confidently choose Medicare plans that best fit their healthcare needs, budget, and lifestyle. Resources Mentioned in This Episode * Medicare.gov [https://www.medicare.gov/] * ADRC [https://acl.gov/programs/aging-and-disability-networks/aging-and-disability-resource-centers] (Aging and Disability Resource Centers * Wisconsin SeniorCare [https://www.dhs.wisconsin.gov/seniorcare/index.htm] (Wisconsin residents) * Medicare Annual Enrollment Decision-Making Worksheet [https://your-nurse-advocate-consulting.kit.com/664e83f4f0] -  This worksheet helps you walk into your Medicare Insurance Advisor appointment prepared, so you can clearly explain your needs, ask the right questions, and feel confident about your next step. What this guide is (and who it’s for) This is a practical, step-by-step decision-making worksheet for: ·         Adults turning 65 ·         People already on Medicare who want to review or change coverage during Annual Enrollment ·         Adult children helping a parent sort through Medicare choices  — Contact Pam Dunwald & Linda Kritikos | Your Nurse Advocate Consulting:  * Website: YourNurseAdvocateConsulting.com [http://yournurseadvocateconsulting.com] * Facebook: @Your RNAdvocate [https://www.facebook.com/YourRNAdvocate/] * Pinterest: @YourNurseAdvocate [https://www.pinterest.com/yournurseadvocate/] * Instagram: @YourRNAdvocate [https://www.instagram.com/yourrnadvocate/] * Linkedin: Your Nurse Advocate Consulting [https://www.linkedin.com/company/your-nurse-advocate-consulting-llc/] * YouTube: Your Nurse Advocate Consulting [https://www.youtube.com/channel/UC46HzUJuFi7Ai2Q6WWSYrrg]

Tax Implications for Seniors

In this episode of Healthcare Redefined: Advocating for Aging Adults and Their Families, hosts Pam Dunwald and Linda Kritikos continue their series on getting your affairs in order with a conversation many families avoid until they’re forced to face it: taxes. Joined by Enrolled Agent and tax professional Megan Steinfeld of Cream City Accounting, they discuss what happens when retirement, widowhood, caregiving, or the death of a loved one suddenly leaves someone responsible for tax matters they haven’t handled before. Megan shares why tax issues often feel overwhelming, what families commonly miss when stepping into a parent’s financial world, and how a little preparation today can prevent confusion and stress later. Throughout the conversation, Megan offers practical guidance and peace of mind for aging adults and family caregivers. She explains that most tax mistakes are fixable, why IRS notices are not always bad news, and how families can stay ahead of problems by organizing documents, understanding income sources, and knowing where important records are kept. Whether you're helping an aging parent, preparing your spouse for the future, or simply trying to get your own affairs in order, this episode provides clear, approachable advice to help you feel more confident and prepared when tax responsibilities inevitably become part of the caregiving journey. Key Moments: 00:00 – Why Tax Planning Matters for Aging Adults Pam and Linda introduce the importance of tax preparation, financial organization, and reducing family stress. 02:33 – Meet Megan Steinfeld, Enrolled Agent Megan explains her background and what it means to be an IRS-authorized Enrolled Agent. 04:39 – How Retirement Changes Your Tax Situation Understanding Social Security, pensions, retirement accounts, investments, and tax withholding. 06:27 – Common Tax Mistakes Families Make Why moving too quickly or filing with incomplete information can create problems. 08:22 – Can Tax Mistakes Be Fixed? Megan shares reassuring news about correcting errors and responding to IRS notices. 09:55 – Do Seniors Still Need to File Taxes? How age alone does not determine filing requirements and what factors matter most. 11:10 – Identity Theft Protection for Older Adults Why filing returns and using IRS Identity Protection PINs can help prevent fraud. 13:08 – Working During Retirement How part-time employment can affect Social Security taxation and overall tax liability. 15:06 – When to Seek Professional Tax Help Red flags including IRS notices, inherited assets, home sales, and the loss of a spouse. 20:26 – Special Tax Considerations for Seniors Enhanced deductions, filing thresholds, and changes introduced for older taxpayers. 22:13 – Organizing Tax Documents Before a Crisis Simple systems for tracking tax forms, online accounts, and financial records. 25:02 – Selling a Home or Moving to Senior Living Potential tax implications, deductions, and common recordkeeping challenges. 27:22 – What Happens When a Parent Passes Away? Estate returns, trust considerations, and understanding the step-up in basis. 29:19 – Tax Myths Families Need to Stop Believing Why retirement does not automatically eliminate taxes or filing obligations. 32:47 – Three Steps to Get Organized Today Practical actions aging adults and caregivers can take immediately. 38:31 – Handling Taxes After the Death of a Loved One How adult children can verify filing status, retrieve records, and manage final returns. 42:14 – What If Taxes Haven’t Been Filed for Years? Megan explains how families can get back on track and create a manageable action plan.  About Megan Hawley-Steinfeld, EA:  Megan Steinfeld is an Enrolled Agent (EA) and owner of Cream City Accounting [http://creamcityaccounting.com]. As a federally licensed tax professional authorized directly by the IRS, Megan specializes exclusively in taxation, tax planning, and taxpayer representation. With more than a decade of experience, she helps individuals, families, and business owners navigate complex tax situations with confidence and clarity. Megan is passionate about information literacy and helping people understand tax topics that often feel overwhelming, especially during major life transitions. __ Resources Mentioned in This Episode:  * As always, for more support, join us for our weekly free newsletter "Senior Saturday." [https://your-nurse-advocate-consulting.kit.com/64e6374328]  Your weekly dose of tips, strategies, support, and education to help you best care for your aging loved ones.  * IRS Identity Protection PIN Program * IRS Resources on Tax Forms and Filing Requirements for Seniors — Contact Pam Dunwald & Linda Kritikos | Your Nurse Advocate Consulting:  * Website: YourNurseAdvocateConsulting.com [http://yournurseadvocateconsulting.com] * Facebook: @Your RNAdvocate [https://www.facebook.com/YourRNAdvocate/] * Pinterest: @YourNurseAdvocate [https://www.pinterest.com/yournurseadvocate/] * Instagram: @YourRNAdvocate [https://www.instagram.com/yourrnadvocate/] * Linkedin: Your Nurse Advocate Consulting [https://www.linkedin.com/company/your-nurse-advocate-consulting-llc/] * YouTube: Your Nurse Advocate Consulting [https://www.youtube.com/channel/UC46HzUJuFi7Ai2Q6WWSYrrg] Contact Megan Steinfeld: * Website: CreamCityAccounting.com [http://creamcityaccounting.com] * LinkedIn [https://www.linkedin.com/in/megan-hawley-steinfeld-ea-86ba3a6/]

Financial Planning for Seniors

In this episode of Healthcare Redefined: Advocating for Aging Adults and Their Families, hosts Pam Dunwald and Linda Kritikos continue Season 2 with an essential conversation about financial planning for aging adults and family caregivers. Joined by Certified Financial Planner™and Wealth Management Advisor Dave Czarnecki, they discuss why financial planning is about much more than money; it involves protecting independence, preserving dignity, reducing family stress, and creating options for future care. The discussion explores common planning mistakes families make when they wait until a crisis occurs, how to organize important financial and legal documents, and why proactive planning helps aging adults maintain greater control over future decisions. Dave also provides a practical overview of long-term care planning and long-term care insurance, including when to begin researching coverage, common misconceptions about Medicare and long-term care costs, and the importance of having a strategy to fund future care needs. Throughout the conversation, Pam, Linda, and Dave emphasize that getting your affairs in order does not have to happen all at once. Small, consistent steps taken today can help families avoid financial regret, reduce conflict, and create a smoother path through caregiving, health challenges, and care transitions.  Key Moments: 00:00 – Season 2 Begins: Why Financial Planning Matters for Aging Adults  Pam and Linda introduce Season 2 and explain why proactive financial planning is an essential part of aging well and reducing future family stress. 01:43 – Meet Dave: Certified Financial Planner™ and Fiduciary Advisor  Dave shares his professional background and explains what it means to serve clients as a fiduciary advisor. 03:23 – Starting Financial Planning with Family Goals and Priorities  Learn why financial planning should begin with your values, lifestyle goals, caregiving preferences, and family priorities—not just numbers. 05:13 – Costly Mistakes Families Make When They Delay Planning  Dave discusses how waiting until a crisis occurs can limit options, increase costs, and create unnecessary stress for families. 07:45 – What “Getting Your Affairs in Order” Really Means  Discover the key components of organizing financial, legal, and personal information before an emergency happens. 10:04 – Essential Legal and Financial Documents Every Family Needs  Dave outlines the critical documents every aging adult should have in place, including powers of attorney, wills, trusts, and advance directives. 13:02 – How to Start Difficult Conversations with Aging Parents  Practical tips for approaching sensitive planning discussions in a way that feels supportive rather than threatening. 14:57 – Three Simple Steps to Begin Planning Today  Dave shares three practical actions listeners can take right away to start organizing important information and creating a plan. 16:19 – Supporting Aging Parents Without Taking Over  Learn how adult children can offer assistance while still respecting a parent's independence, dignity, and decision-making authority. 17:58 – Documents and Information to Gather Before an Emergency  A checklist of the financial, medical, legal, and contact information families should keep readily accessible. 19:18 – Long-Term Care Insurance Explained  Dave provides a clear overview of what long-term care insurance is, what it covers, and how it can help fund future care needs. 22:19 – When to Consider Long-Term Care Insurance  Find out why timing matters and why many professionals recommend exploring long-term care insurance before health issues arise. 24:03 – Common Myths About Long-Term Care Insurance  Dave addresses common misconceptions, including assumptions about Medicare coverage and the affordability of long-term care insurance. 25:40 – Building Long-Term Care into Your Financial Plan  Learn how long-term care planning fits into a broader strategy that includes finances, legal planning, and care coordination. 27:15 – Reducing Stress During Health Changes and Care Transitions  Discover how advance planning can help families navigate illness, hospitalization, and caregiving transitions with greater confidence. 29:12 – What If You Feel Like You've Waited Too Long?  Dave offers encouragement and explains why it is rarely too late to take meaningful steps toward better planning. 30:03 – Preserving Independence, Choice, and Dignity  A discussion about how thoughtful financial planning helps aging adults maintain control over future care decisions. 32:40 – One Action Step: A 30-Minute Document Inventory  Dave's simple challenge for listeners: spend 30 minutes gathering and organizing important documents this week. 33:02 – What Avoiding Financial Regret Looks Like  Real-life examples illustrate how preparation can help families avoid unnecessary financial losses, conflict, and rushed decisions. 34:38 – Building Your Professional Planning Team  Dave shares the value of working with trusted professionals, including financial planners, elder law attorneys, nurse advocates, and care experts. About Dave Czarnecki, CFP®, CLU®, ChFC®, CAP®, RICP®, WMCP®, CLTC®:  As a Wealth Management Advisor with Northwestern Mutual in Milwaukee, WI, Dave works with clients nationwide through virtual consultations. His team specializes in comprehensive financial planning for entrepreneurs and tech industry professionals, focusing on equity compensation diversification strategies.  He primarily assists closely held business owners and highly compensated tech professionals. His goal is to simplify the complexities of equity compensation, including RSUs, ISOs, ESPPs, stock options, and concentrated stock positions, through personalized planning that supports long-term financial freedom and optimizes tax efficiency.  With nearly a decade of experience, Dave has guided a diverse array of clients through major milestones such as scaling businesses, liquidity events, promotions, and retirement. Whether designing stock diversification plans, implementing tax-efficient strategies, or preparing for a business exit, he helps clients align their wealth with their goals.  He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™, Chartered Life Underwriter, Chartered Financial Consultant, Chartered Advisor in Philanthropy, Retirement Income Certified Professional, Wealth Management Certified Professional, and Certified in Long-Term Care. Dave graduated from Ripon College with a degree in mathematics and minors in economics and computer science. Outside of work, he lives in Waukesha, WI, with my wife and 3 children, and enjoys exploring the Greater Milwaukee area, coaching my children's sports teams, camping, and playing tennis & golf. __

Getting Your Affairs in Order

Hosts Pam Dunwald and Linda Kritikos launch into the main themes of Season 2 with this episode, exploring getting your affairs in order by diving into estate planning, powers of attorney, wills, trusts, probate, and protecting family assets. Joined by attorneys Stephen Howitz and Pedro Hernandez of Zimmer and Rens LLC, the discussion focuses on why planning ahead matters for aging adults, caregivers, and adult children. Trying to navigate difficult healthcare and financial decisions is a complex process. Together, they explain how legal planning can reduce stress and protect loved ones, avoiding unnecessary court involvement and helping families feel more prepared during health crises or end-of-life transitions. Pam, Linda, Stephen, and Pedro break down complicated legal topics into practical, easy-to-understand guidance for families caring for aging parents. They explain the differences between wills and trusts, why powers of attorney are critical, how probate works, and what can happen when no legal planning is in place. They explore blended family concerns, protecting a parent’s home, Medicaid considerations, guardianship, and the emotional realities caregivers face when trying to help loved ones stay independent while preparing for the future. This episode offers compassionate, practical advice to help families start important conversations before a crisis happens. Key Moments: 00:00 — Why Estate Planning Matters for Aging Adults Pam and Linda introduce the importance of legal planning, estate organization, and protecting aging adults and caregivers from unnecessary stress. 02:02 — Meet Attorneys Stephen Howitz and Pedro Hernandez Stephen and Pedro share their backgrounds in estate planning, probate, real estate law, and helping families prepare for aging and end-of-life transitions. 04:12 — Why Estate Planning Should Start Before a Crisis The guests explain why powers of attorney and advance planning are essential before medical emergencies happen. 07:35 — What Happens During Guardianship A clear explanation of guardianship, court involvement, medical incapacity, and how families can lose decision-making control without proper documents. 11:36 — What Estate Planning Actually Includes The discussion covers wills, trusts, healthcare directives, financial planning, property, retirement accounts, and protecting assets. 14:26 — Understanding Wills, Trusts, and DNRs Stephen explains the differences between wills, revocable trusts, irrevocable trusts, and do-not-resuscitate orders. 19:05 — What Happens to Powers of Attorney After Death The guests explain executors, probate, successor trustees, and how legal authority changes after someone passes away. 23:29 — When Families Should Start Estate Planning Conversations Why waiting too long creates more legal and emotional challenges for caregivers and adult children. 27:52 — What Happens Without Estate Planning Documents The attorneys explain probate delays, frozen bank accounts, funeral costs, and family complications when no planning exists. 32:34 — Protecting Assets in Blended Families Important estate planning considerations for blended families, inheritance concerns, and reducing family conflict. 39:48 — What to Bring to an Estate Planning Appointment Helpful guidance on gathering financial information, identifying goals, and organizing important documents. 44:12 — Common Problems With a Parent’s Home After Death Mortgage issues, vacant homes, insurance concerns, and why real estate titles matter in probate and estate planning. 52:10 — Medicaid, Long-Term Care, and Keeping the Family Home The conversation explores Medicaid implications, care planning, and decisions around selling or keeping a parent’s home. 58:05 — How Adult Children Can Start Difficult Conversations Practical advice for caregivers trying to encourage aging parents to prepare legal and financial documents. 01:04:25 — Final Advice for Families Preparing for the Future Stephen and Pedro share their biggest estate planning lessons and encourage families to start planning sooner rather than later. About Stephen Howitz:  Stephen graduated with his Bachelor of Arts in political science from Dominican University in River Forest, Illinois, before studying law, with an emphasis on probate and family law at Marquette University in Wisconsin.  After graduating from law school, Stephen dove into the world of law, working both in law firms and as a solo practitioner, where he gained experience in a wide range of legal areas. Over time, he developed a special passion and expertise in probate, trusts, estate planning and family law, helping clients navigate these deeply personal matters with care and clarity. When not practicing law, Stephen enjoys spending time with his two daughters, watching football and baseball, collecting records, and listening to music. About Pedro Hernandez: Pedro is a mindful real estate and litigation attorney who specializes in complex civil litigation and appellate cases, producing successful outcomes for clients by using his experience and legal knowledge to achieve those results.  Pedro uses a balanced approach of legal knowledge and practical wisdom to ensure that his clients get the results needed to achieve success. He has years of experience in a wide range of legal matters and specializes in real estate and property disputes. From working as a law clerk under two different Milwaukee County judges to winning an appellate court decision in a landlord/tenant dispute, Pedro has honed his skills to meet any situation a client faces throughout the litigation process. Moreover, Pedro’s ability to connect and provide personalized support is an asset for clients who feel stressed by the litigation process. He understands that litigation is not the first resort for many people in trying to resolve disagreements, but is not afraid to fight for his client’s success. This ability was honed after working many years with Milwaukee County’s indigent community on complex cases. His desire to help clients has also prompted him to develop a practice in estate planning, including wills and powers of attorney, for both English and Spanish-speaking clients that can help preserve intergenerational wealth here in the United States and abroad. __ Resources Mentioned in This Episode:  * Zimmer and Rens LLC [https://zrlawyers.com/] * Estate Planning Information [https://zrlawyers.com/estate-planning/] * For this episode of Healthcare Redefined, as we kick off Getting Your Affairs in Order, we have a free guide ( more like a workbook) to assist you in taking action on many of the topics you will hear about this season. It’s called "Getting Your Affairs in Order: A Peace of Mind Planner" [https://your-nurse-advocate-consulting.kit.com/3b04f934a1].   * As always, for more support, join us for our weekly free newsletter "Senior Saturday." [https://your-nurse-advocate-consulting.kit.com/64e6374328]  Your weekly dose of tips, strategies, support, and ed...

Discharge Part 2: Leaving the Hospital Too Soon

Welcome to Season 2 of Healthcare Redefined: Advocating for Aging Adults and Their Families. Hosts Pam Dunwald and Linda Kritikos close out their discharge planning series from the first season by discussing one of the most stressful parts of a hospital stay: what happens when someone leaves too soon or feels pressured to leave before they’re ready. Pam and Linda explain what it means to leave the hospital against medical advice (AMA), why discharge planning can feel rushed, and how families can advocate for a safer transition home without becoming confrontational. They also offer a look ahead at the themes for Season 2. Pam and Linda walk listeners through practical steps to take before discharge, including asking for clear medical explanations, requesting care conferences, understanding appeal rights, and making sure medications, follow-up appointments, and home support services are fully organized before leaving the hospital. They explain why medication errors are one of the leading causes of hospital readmissions and share simple ways caregivers can reduce mistakes during transitions of care. Pam and Linda provide real-world caregiver advocacy tools to help families feel more prepared, informed, and confident during one of healthcare’s most overwhelming transitions.  Key Moments: 00:00 — Why Discharge Planning Matters  Pam and Linda introduce the risks of unsafe hospital discharge and explain why transitions of care are one of the most vulnerable times for aging adults. 01:42 — Season One Wrap-Up and Season Two Preview  The hosts reflect on caregiver challenges from season one and introduce the new season theme focused on getting your affairs in order. 02:32 — Three Common Discharge Situations Families Face  Pam and Linda outline leaving AMA, medication mistakes after discharge, and what happens when home care is not working. 03:15 — “I Want to Leave” vs “They’re Sending Me Home Too Soon”  The discussion compares two common hospital discharge concerns and why both can lead to unsafe outcomes. 04:01 — What Leaving Against Medical Advice Really Means  Pam explains AMA discharge in simple language and discusses why families worry about insurance coverage. 05:31 — Questions to Ask Before Leaving the Hospital  The hosts share practical caregiver advocacy tips, including asking for clear medical explanations, written discharge instructions, and follow-up plans. 08:59 — Medication Errors After Hospital Discharge  Pam and Linda explain why medication changes during transitions of care are one of the biggest causes of hospital readmissions. 11:11 — Medication Reconciliation Explained  Listeners learn how to compare pre-hospital and post-hospital medication lists to avoid dangerous medication mistakes. 13:31 — Why Supplements and Cannabis Belong on Medication Lists  Linda explains why vitamins, supplements, herbals, essential oils, and cannabis use should always be discussed with healthcare providers. 14:41 — It’s Okay to Slow Down the Discharge Process  The hosts encourage families to pause and ask questions when medication instructions or discharge plans feel confusing. 15:39 — What Happens When Going Home Is Not Working  Pam discusses what families can do if a loved one cannot safely manage at home after discharge. 16:12 — Can Someone Still Go to Rehab or Skilled Nursing?  The conversation explains Medicare timelines, rehab eligibility, and why contacting the hospital social worker quickly is important. 18:20 — Assisted Living vs Skilled Nursing Explained  Linda outlines the differences between assisted living, rehab, memory care, and skilled nursing placement. 23:43 — Hospital Discharge Appeals and the Role of the Ombudsman  The hosts explain Medicare appeal rights, discharge reviews, and how ombudsmen help families advocate for safe transitions. 28:58 — Weekend Discharges and Home Health Delays  Pam and Linda explain why weekend hospital discharges can create gaps in care and what families should prepare for before going home. __ Resources Mentioned in This Episode:  * Weekly Newsletter: "Senior Saturday" [https://your-nurse-advocate-consulting.kit.com/5015b1b17c]   [https://your-nurse-advocate-consulting.kit.com/5015b1b17c] * Transitions in Care Guide [https://your-nurse-advocate-consulting.kit.com/f0f519c6aa]- Discharging home or changing levels of care can cause risks and potential errors. The Transitions in Care Guide is designed to cover these changes and how to prevent errors with your medications or treatment plan. * Family Caregiver Resources and Checklists  [https://your-nurse-advocate-consulting.kit.com/393415e714] * Medicare Appeal Information [https://www.cms.gov/files/document/hc-quality-safety-concerns508.pdf]  — Contact Pam Dunwald & Linda Kritikos | Your Nurse Advocate Consulting:  * Website: YourNurseAdvocateConsulting.com [http://yournurseadvocateconsulting.com] * Facebook: @Your RNAdvocate [https://www.facebook.com/YourRNAdvocate/] * Pinterest: @YourNurseAdvocate [https://www.pinterest.com/yournurseadvocate/] * Instagram: @YourRNAdvocate [https://www.instagram.com/yourrnadvocate/] * LinkedIn: Your Nurse Advocate Consulting [https://www.linkedin.com/company/your-nurse-advocate-consulting-llc/] * YouTube: Your Nurse Advocate Consulting [https://www.youtube.com/channel/UC46HzUJuFi7Ai2Q6WWSYrrg]