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Is It Safe for Me to Drive at Night? 9 Night-time Driving Tips for Seniors

By
Tracy Lynn
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Is It Safe for Me to Drive at Night? 9 Night-time Driving Tips for Seniors

At age 32, I leased my first car. It was a beautiful plum-colored 1996 Pontiac Grand Am equipped with many convenient features, including a 150.0-hp, 2.4-liter, 4 Cylinder Engine, sun-roof, CD player, leather interior, and more. Driving it was effortless and exciting. If possible, I would have driven it to the Moon and back!

Back then, driving safely at all times of the day was not a problem for me. For work, it was required during the day, and most weekend late nights, I happily drove it home alone from a party or other social event. This newfound freedom to drive myself to and from anywhere was very liberating. I also enjoyed picking up family, friends, or co-workers in my new car to hang out together. I have also driven to and from various States, where the road trip was a wonderful experience to cherish.

Previously, I was heavily dependent upon hailing a taxi or sharing a ride with a friend or family member to get around. If I was ready to leave an event and rode with someone else, I had to leave when they were ready to go. Equally, if they wanted to leave and I was not ready, I had to leave when they did. Oftentimes it was my only way back home. Taxicab services greatly assisted me with navigating to and fro, but they have also proved to be unreliable. Unfortunately, I was inconvenienced on several occasions because of their untimeliness in accommodating me.

Currently, I continue to drive a car I absolutely love with every modern amenity bell and whistle available. Today, with slight issues with my eyesight, heavy traffic jams, road construction, road rage, and increased car-jacking incidents, I drive when it’s absolutely necessary. Suddenly, with all of the above conditions, driving in the dark for me became frightening on any one-way trip over 20 miles. My driving skills had slipped a bit while night driving. If the road was not brightly lit, I misjudged distance and objects on the road. On a pitch-dark back road, oncoming high beam headlights have contributed to this. Wearing sunglasses reduced the glare, and fortunately, no incidents have occurred where it caused me harm.

So, how do you know if driving at night is still safe for you? As a senior, we are faced with many important, life-altering questions like this where our safety may become compromised. Additionally, if you have experienced any of the aforementioned road conditions, especially at night, or if you have had a car accident, you understand why this is an important topic to explore.

If you must drive at night, please consider these tips in improving your driving skills. I have encountered many of the following scenarios and found them to improve my night driving tremendously. These work during the day also.

Here are a few tips to follow to achieve this:

Maintain A Safe Distance Between Yourself and Other Drivers

If the vehicle driving in front of you comes to an abrupt stop, you should be back far enough to have time to react. Suggested distance should be at least 3 seconds of space between you and the vehicle in front of you at a minimum during dry weather conditions. Use a fixed object such as a tree or road sign to regulate this. When the car’s rear bumper in front of you crosses that object, begin to count 1001, 1002, 1003. If you don’t make it to 3 by the time your front bumper crosses the fixed object, you need to increase your following distance.

Travel On Familiar Roads

Are you more confident driving on roads you’re very familiar with? If so, this greatly decreases your chances of being involved in an accident.

Be Open About Your Driving Ability

Honestly, are you running red lights, stop signs, and unable to see posted road signs? The truth will set you free from stressful nighttime driving if you’re no longer participating in these dangerous driving activities.

Stay Alert When Traffic Patterns Change

Do you notice lane changes or traffic patterns such as road construction? Slow down and pay attention to road signs and other warnings on the road.

Slow Down and Take Your Time

Pay attention to speed limits and allow some extra travel time. This will reduce the stress of driving at night.

Keep Up With Regular Vehicle Maintenance

Are your lights and turn signals working properly? When was the last time you had your engine serviced or oil changed? Is your tire pressure good? Are you checking up on your lights and mirrors? Minor maintenance greatly impacts your safety while driving at night.

Be Sure All Mirrors Are Visible and Clean

Wipe down all vehicle mirrors to see clearly through them. Adjust all mirrors so that you can see all sides of the vehicle!

Schedule Regular Eye Exams

Make regular appointments for eye exams to ensure your precious eyes remain fit for nighttime driving. Your physician can recommend safety tips based on your current eyesight condition. You can even try transition glass or blue light glasses.

Take Driving Courses

A driving course will help revive your knowledge of the rules of the road and make you feel more confident behind the wheel of your vehicle at night. Driving courses are available through a number of organizations, including the local Department of Motor Vehicles.

Conclusion

By following these safety tips, you should feel more confident about driving at night. Practice until you have mastered them. If you’re not there yet, be patient and ask a family member, trusted friend or hail a driving service like Lyft or Uber to drive you around. Most folks I know, including myself, have downloaded these apps on their smartphones.

Once downloaded, open the app, type in the desired address, select the type of ride you want to take (single, shared, or luxury), see the cost, and confirm. You’ll be able to see where your driver is and when they will arrive. Each has its own pricing terms, safety features, rewards, and subscription options.

Does Medicare Cover Diabetic Supplies in 2026? CGM, Test Strips, Insulin & More

By
SeniorAffair Editorial Staff
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0
Does Medicare Cover Diabetic Supplies in 2026? CGM, Test Strips, Insulin & More
Does Medicare Cover Diabetic Supplies in 2026? CGM, Test Strips, Insulin & More
Yes — Medicare covers a comprehensive range of diabetic supplies. Blood glucose monitors, test strips, lancets, continuous glucose monitors (CGMs), insulin pumps, and therapeutic diabetic shoes are covered under Part B. Insulin is covered under Part D with a $35/month cap. Diabetes self-management training is covered at 100%. The key is knowing which part covers what — and the quantity limits that apply.

In This Guide

  1. Blood Glucose Monitors and Test Strips
  2. Continuous Glucose Monitors (CGM)
  3. Insulin Coverage and the $35 Cap
  4. Insulin Pumps
  5. Therapeutic Diabetic Shoes
  6. Diabetes Self-Management Training
  7. Diabetic Eye and Foot Exams
  8. Frequently Asked Questions

More than 33% of Medicare beneficiaries have diabetes—making diabetes management one of the most heavily used benefit areas in the entire program. Medicare has robust coverage for diabetes care, but it is split across Part B (for supplies and equipment) and Part D (for most medications), and quantity limits vary based on how you manage your diabetes. Here’s the complete breakdown.

1. Blood Glucose Monitors and Test Strips

Medicare Part B covers blood glucose monitors (glucometers) and their supplies as durable medical equipment (DME). The monitor itself is covered at 80% after your Part B deductible. You pay 20% coinsurance.

Test strip and lancet quantity limits differ based on your insulin use:

Patient TypeTest StripsLancetsFrequency
Insulin users (injections or pump)Up to 300 stripsUp to 300 lancetsPer 3 months
Non-insulin-treated diabetesUp to 100 stripsUp to 100 lancetsPer 3 months
Insulin users requiring more frequent testing (documented medical necessity)More than 300 strips possibleMore than 300 lancets possibleWith prior authorization
Important supplier rule: Medicare requires you to get your test strips and lancets from a Medicare-enrolled DME supplier. You cannot simply buy strips at a pharmacy and submit for reimbursement. Many pharmacies — CVS, Walgreens, Walmart — are Medicare-enrolled DME suppliers and can bill Part B directly for your strips. Ask your pharmacy whether they bill Part B for diabetic supplies.

Note on meter brand: Medicare covers the meter, but the meter must match the test strips your supplier provides on the Medicare contract. Some lower-cost contracted strips may not be the same brand as your current meter. If brand continuity matters (e.g., you use a specific app ecosystem), confirm your supplier’s contracted strip brands before switching.

2. Continuous Glucose Monitors (CGM)

This is one of Medicare’s most significant diabetes coverage expansions of the past several years. Medicare Part B now covers CGM devices and their supplies—sensors, transmitters, and receivers—as therapeutic continuous glucose monitors (CGMs) classified as DME.

Currently covered CGM systems under Medicare Part B include the following:

  • Dexcom G7 (and G6)
  • Abbott FreeStyle Libre 2 and 3
  • Medtronic Guardian 4

To qualify for Medicare CGM coverage under Part B, you must meet all of the following:

  1. Have diabetes (Type 1 or Type 2)
  2. Be treated with insulin (multiple daily injections or an insulin pump) OR have documented hypoglycemia unawareness or recurrent hypoglycemia
  3. Have a face-to-face visit with the ordering physician within 6 months before the CGM order
  4. Your supplier must be a Medicare-enrolled DME supplier who handles CGM devices

Non-insulin-treated Type 2 diabetes patients may also qualify if their physician documents that CGM is medically necessary for diabetes management—CMS has progressively expanded CGM access beyond insulin-only patients in recent years.

Under Part B, you pay 20% coinsurance on the Medicare-approved amount for the CGM receiver (one-time) and for sensors (ongoing, typically monthly). CGM sensors are ongoing consumables and are resupplied through your Medicare-enrolled DME supplier, not a traditional pharmacy.

3. Insulin Coverage and the $35 Monthly Cap

The $35 insulin cap is now permanent law. Under the Inflation Reduction Act, all Medicare Part D plans must cap cost-sharing for covered insulin at $35 per month per insulin product. This cap applies in all cost phases — including the deductible period — so you never pay more than $35/month for any covered insulin, regardless of list price. Humalog, Lantus, Basaglar, Novolog, Toujeo, Tresiba, and hundreds of other insulins are covered at this cap.

How insulin is covered depends on how you use it:

Insulin UseCovered UnderCost Cap
Injectable insulin (pen or vial) — not used with a pumpMedicare Part D$35/month per insulin product
Inhaled insulin (Afrezza)Medicare Part D$35/month cap applies
Insulin used with a covered insulin pumpMedicare Part B (as DME supply)$35/month cap applies

4. Insulin Pumps

Medicare Part B covers insulin pumps as durable medical equipment for patients with diabetes who require an intensive insulin regimen. Coverage criteria include:

  • Diagnosis of diabetes requiring insulin therapy
  • Documentation that the patient has been treated by multiple daily insulin injections and has not achieved adequate glycemic control
  • A face-to-face visit and comprehensive diabetes evaluation by the treating physician
  • The patient has completed diabetes education

Medicare covers both traditional insulin pumps and, since 2023, the Omnipod (tubeless, pod-based insulin delivery). The pump device is covered at 80% after the Part B deductible. Insulin used with the pump is then covered under Part B at the $35/month cap. Pump supplies (infusion sets, reservoirs) are covered as Part B DME at 80%.

5. Therapeutic Diabetic Shoes

Medicare Part B covers one pair of therapeutic diabetic shoes plus inserts per calendar year for Medicare beneficiaries with diabetes who have a documented foot condition. This is an underused benefit — many eligible patients don’t know it exists.

Coverage includes:

  • One pair of extra-depth shoes per year (or one pair of custom-molded shoes if standard shoes cannot accommodate foot deformities)
  • Three pairs of custom-molded inserts per year with the extra-depth shoes, or two pairs with custom shoes

To qualify, all three conditions must be met:

  1. You have diabetes
  2. A doctor (not a podiatrist) who treats your diabetes certifies the medical necessity
  3. A podiatrist, orthotist, prosthetist, or pedorthist fits and provides the shoes

You pay 20% coinsurance after the Part B deductible. The Medicare-approved amount for diabetic shoes is typically $140–$300—so your 20% share is $28–$60 for a year’s supply of therapeutic footwear.

6. Diabetes Self-Management Training (DSMT)

Medicare covers Diabetes Self-Management Training (DSMT)—structured education sessions with a certified diabetes educator that teach blood sugar monitoring, medication management, meal planning, foot care, and lifestyle strategies. Coverage includes:

  • Initial training: Up to 10 hours in the first year of diagnosis (or first year of Medicare coverage for diabetes)
  • Follow-up training: 2 hours per year in subsequent years

DSMT sessions are covered at 80% after the Part B deductible when provided by an accredited DSMT program. Many hospitals, medical centers, and outpatient clinics offer accredited programs. Medical Nutrition Therapy (MNT) — individual counseling with a registered dietitian specifically for diabetes — is also covered under Part B at 80%.

7. Diabetic Eye and Foot Exams

ServiceCoverage
Annual diabetic retinopathy eye examPart B — 80% after deductible. One exam per year by an eye doctor.
Diabetic foot examPart B — 80% after deductible. Up to 4 exams per year by a podiatrist for patients with peripheral neuropathy or vascular disease due to diabetes.
Glaucoma screeningPart B — 100% covered annually (diabetes is a high-risk condition).
Hemoglobin A1C (lab test)Part B — covered as medically necessary lab work.
Diabetes blood tests (fasting glucose, etc.)Part B—covered as preventive screening if risk factors are present.

8. Frequently Asked Questions

Does Medicare cover the FreeStyle Libre?

Yes. The Abbott FreeStyle Libre 2 and FreeStyle Libre 3 are both covered under Medicare Part B as CGM devices. The original FreeStyle Libre (first-generation) is also still covered. You need a prescription from your treating physician and must obtain it through a Medicare-enrolled DME supplier, not a regular pharmacy prescription channel.

Does Medicare cover Ozempic or Trulicity for diabetes?

Yes. GLP-1 receptor agonists prescribed for Type 2 diabetes — including Ozempic (semaglutide), Trulicity (dulaglutide), Victoza (liraglutide), and Rybelsus (oral semaglutide) — are covered under Medicare Part D subject to your plan’s formulary tier and cost-sharing. They count toward the $2,100 annual Part D out-of-pocket cap.

Does Medicare cover a smartwatch or app that monitors blood sugar?

Not directly. Smartwatch-based glucose monitoring that does not involve a medically prescribed sensor/transmitter system is not currently covered by Medicare Part B as DME. Only FDA-cleared CGM systems prescribed as therapeutic devices and supplied through a Medicare-enrolled DME supplier are covered.

Does Medicare cover Metformin?

Yes. Metformin (generic) is one of the most common oral diabetes medications and is a Tier 1 drug on virtually every Medicare Part D formulary — typically available for $0–$5/month copay. Brand-name Glucophage is covered at a higher tier.

Related Medicare Coverage Guides:
Does Medicare Cover Prescription Drugs? (Part D Guide) • Does Medicare Cover Lab Tests and Blood Work? • Does Medicare Cover It? Complete Guide

This article is for informational purposes only. CGM coverage criteria and DME supplier requirements are enforced by your Medicare Administrative Contractor and may vary. The $35 insulin cap and Part D rules are governed by the Inflation Reduction Act. Verify your specific coverage at Medicare.gov or call 1-800-MEDICARE.

How to Downsize Your Home: Practical Advice Every Senior Needs

By
Mia Wilson
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Downsizing Advice All Seniors Need to Hear

Downsizing is becoming common among seniors, and for a good reason. For one, it could be the difference between a lower mortgage payment (or none at all), freeing up income for leisure and expenses. It also means a much smaller house to keep up, which improves both safety and accessibility. So if you’ve been toying with the idea of downsizing, the following are some pieces of advice you should take to heart.

Downsizing Tips for Seniors

Is It Time to Downsize?

There’s no definitive answer to this question because there are several scenarios in which it makes sense to downsize. For example, you could have a home with many unused rooms or one that isn’t conducive to aging in place, or you may have unmanageable monthly expenses and difficulty keeping up with cleaning and maintenance. 

How to Begin the Downsizing Process

You’re downsizing your home, but you’ll also need to reduce everything to fit comfortably in your new home. Where do you begin? Before you start, there are some smaller details you should handle first before tackling the downsizing process. Take photos of your home to keep as souvenirs, sort through/purge paperwork, and label photographs. Decide what you’d like to gift to family and friends, as it isn’t feasible or fair to pay for storage items they aren’t yet ready to accept.

Once you’ve done this work, you can get started downsizing by first taking inventory of all your things and sorting them into piles to keep, give away, donate, sell, or throw away. Then, measure your new space with a tape measure to determine what furniture will fit and what needs to go. Finally, there are some items that you should be able to easily let go of, such as duplicate items, unwanted/unworn clothing, miscellaneous gadgets, clutter, and anything you’re currently paying to keep in storage.

Finding the Right Home

Once you see all the homes on the market, you may feel a little overwhelmed. Remind yourself that this means you have plenty of options, ensuring you find the right home without compromising wants and needs. So, what should you look for? You might already have your list of must-haves, but don’t lose sight of the big picture, which is a smaller, accessible, safe, and senior-friendly home.

Start by pinpointing the best location, whether near family or close to stores, health care facilities and entertainment. Don’t forget about senior-specific amenities, such as the size and layout. For example, a claw-foot tub is gorgeous, but an accessible bathtub/shower or portable walk-in tub is more practical and safe. You will likely find that whatever home you choose needs some modifications to make it accessible, such as grab bars, ramps, or widened doorways, so be sure to factor this into the price.

Best Portable Walk-in Tubs For Seniors. Heavenly Walk-in Tubs Review 2022
Heavenly Portable Walk-in Tub

However, it is essential to note that downsizing doesn’t necessarily mean moving to a smaller home. If you need additional assistance with daily activities, your health has declined, or you’re experiencing safety concerns such as trips, falls, or confusion, now could be the time to put some serious thought into downsizing to an assisted living facility. Schedule some assisted living tours, and you’ll see that assisted living may not be what you’d expect because you can still be self-sufficient in this environment. The average monthly assisted living cost in Orlando ranges from $1,500 to $7,770, so you’ll want to do an extensive search and take your time.

If you still plan to age at home, will you need to apply for a new mortgage? These days you can go through the whole application and funding process online.

Many seniors have to downsize. So instead of toying with the idea, take the first step in actually doing it. Although it’s a big step, the benefits of doing so make it a leap worth taking in your golden years.

The Most Common Types And Causes Of Arthritis

By
Mia Wilson
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What Are The Most Common Types And Causes Of Arthritis: What No One Is Talking About

If you’ve previously injured yourself and find ongoing issues with painful joints, you might wonder if you have arthritis or a particular type of arthritis. Perhaps you’ve decided to investigate further and search for the common causes of arthritis. Arthritis is a condition that affects almost everyone. It tends to be very disabling and can be why many patients apply for disability. Arthritis is an inflammatory process involving the joints of the body. It commonly occurs in the knees, hands, and feet.

What Are The Most Common Causes of Arthritis?

Several things lead to arthritis, including heredity, age, obesity, infections, sugar and alcohol intake, joint damage, and general inflammation. If you want to understand the causes, it may be best to learn about the most common arthritis types.

Infections

Infections can also be the cause of arthritis. An example of this would be Lyme disease, an infectious complication of the bacteria carried on ticks. Lyme disease can typically lead to joint inflammation of the knees.
A nasty infection in the blood called sepsis can also lead to the complication of septic arthritis, which can be seen in the hands, hips, and knees.

What Are The Different Kinds of Arthritis?

Osteoarthritis

Osteoarthritis is the type of arthritis most commonly seen. It most often occurs in the elderly population. Some of the contributing factors to osteoarthritis are wear and tear, infection, and blood hormonal level issues. Osteoarthritis affects the elderly most of all, and it’s often seen in several joints. It leads to bony degeneration over time. The bones become deformed, and the cartilage which supports the bones breaks down.

Rheumatoid Arthritis

Another common type of arthritis is an autoimmune type called rheumatoid arthritis, which affects the lining of the joints. It’s seen more often in people over 50 years of age, and it usually follows a previous injury or illness. Medical testing of the blood for factors produced in this inflammatory process is one of the primary methods utilized to make the diagnosis.

Psoriatic Arthritis

The other common type of arthritis is psoriatic arthritis, often a complication of psoriasis’s skin disease. Psoriatic arthritis is a chronic disease for which there is no current cure. It is also characterized by the autoimmune phenomenon where the immune system abnormally attacks normal cells in your body and causes inflammation of the joints.

Effects of Inflammation

The inflammation in the joints is the main problem in cases of arthritis. Common injuries are often the source of inflammation and swelling. An infection, foreign body, or toxins in the system can also cause arthritis. Certain foods, environmental factors, and genetics also can lead to inflammation of joints.

When you have an inflammation of the joints, you will subsequently develop damage to the joint tissue. If the cartilage is damaged and cannot correctly replace itself, this results in stiffness and a loss of mobility. The goal in treating arthritis will be to address any underlying problems causing inflammation, restore mobility, and relieve pain.

Arthritis Risks

Another problem with arthritis progression is the risk of needing joint replacement. There are different types of surgery that can replace a joint to help correct the symptoms of arthritis. For example, many patients have had good outcomes with joint replacement surgery, such as in the knees, hips, or shoulders. The surgeries can be complicated to experience, which will deter some patients. However, as time has passed, the success of joint surgery has improved with better equipment and improved techniques.

Does Medicare Cover Hospice Care in 2026? Benefits, Eligibility & What’s Included

By
SeniorAffair Editorial Staff
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Does Medicare Cover Hospice Care in 2026? Benefits, Eligibility & What's Included
Does Medicare Cover Hospice Care in 2026? Benefits, Eligibility & What's Included

Yes—Medicare Part A covers hospice care almost entirely, with very little cost-sharing for patients. For those facing a terminal illness, the Medicare hospice benefit provides a comprehensive team of caregivers — nurses, doctors, aides, social workers, chaplains, and counselors — focused on comfort and quality of life rather than curative treatment. Understanding this benefit can dramatically reduce financial stress during one of life’s most difficult passages.

A note to readers: If you are researching hospice coverage for yourself or a loved one, we recognize this is a deeply personal and difficult moment. This article aims to give you clear, useful information so you can focus on what matters most. Hospice teams are also extraordinary sources of guidance—don’t hesitate to call a Medicare-certified hospice in your area to ask questions, even before you’re certain you need their services.

What Is Medicare Hospice Care?

Hospice is a philosophy of care—not a place. It is a shift in focus from trying to cure a terminal illness to managing its symptoms, controlling pain, and supporting the patient’s and family’s emotional and spiritual well-being. Most hospice care takes place in the patient’s home, though it can also be provided in a nursing facility, hospice inpatient facility, or hospital.

Medicare’s hospice benefit, covered under Part A, is one of the most comprehensive coverage packages in the entire Medicare program. The goal is to ensure that a terminally ill person can spend their remaining time with dignity, comfort, and the support of a full care team — without financial burden.

Who Qualifies for Medicare Hospice Coverage?

To be eligible for the Medicare hospice benefit, you must meet all three criteria:

  1. You are eligible for Medicare Part A.
  2. A hospice doctor and your personal doctor certify that you have a terminal illness and your life expectancy is 6 months or less if the illness follows its normal course.
  3. You sign a statement choosing hospice care instead of standard Medicare benefits for the terminal illness. This is called “electing” the hospice benefit.

Electing the hospice benefit means you agree to focus on comfort care rather than curative treatment for the terminal diagnosis. You do not give up all Medicare coverage—you retain full Medicare benefits for conditions unrelated to the terminal illness. For example, if you are in hospice for cancer but break your hip, Medicare still covers the hip fracture treatment under your regular benefits.

How Long Does Medicare Cover Hospice?

The Medicare hospice benefit has no fixed end date. It is organized in benefit periods, each requiring physician recertification:

First benefit period: 90 days A hospice doctor and your personal physician certify your prognosis. The hospice provides care for up to 90 days.

Second benefit period: 90 days A hospice physician recertifies that your prognosis remains 6 months or less. Care continues for another 90 days.

Subsequent periods: 60 days each, unlimited After the two initial 90-day periods, you can continue hospice care in unlimited 60-day benefit periods as long as a hospice physician continues to certify your terminal status at the start of each period.

People who stabilize or improve beyond their prognosis can — and do — remain in hospice longer than 6 months under Medicare. If you recover enough that the hospice can no longer certify a 6-month prognosis, you exit the hospice benefit and return to standard Medicare coverage. You can re-elect hospice if your condition later warrants it.

What Does Medicare Cover in Hospice?

Service or ItemMedicare Coverage
Doctor services related to the terminal illnessCovered — $0 cost
Nursing care (skilled nursing visits)Covered — $0 cost
Medications for pain control and symptom managementCovered — small copay may apply (see below)
Medical equipment (hospital bed, wheelchair, oxygen, commode)Covered — $0 cost
Medical supplies (bandages, catheters, etc.)Covered — $0 cost
Aide and homemaker servicesCovered — $0 cost
Social work servicesCovered — $0 cost
Counseling (grief, dietary, spiritual)Covered — $0 cost
Short-term inpatient care for symptom managementCovered — $0 cost
Respite care (short-term inpatient to give family caregivers a break)Covered up to 5 consecutive days per period—small daily copay applies ($5–$15)
Bereavement counseling for the familyCovered for up to 1 year after death
Curative treatment for the terminal illnessNot covered under hospice—you’ve elected comfort care instead
Treatment for unrelated conditionsCovered under regular Medicare Part A/B outside hospice

What Does Hospice Actually Cost Under Medicare?

The Medicare hospice benefit has among the lowest patient cost-sharing of any Medicare benefit:

  • Medical care, nursing, equipment, supplies, counseling: $0 — fully covered
  • Prescription drugs for pain and symptom control: You may pay a small copay—up to $5 per prescription for outpatient drugs related to pain and symptom management. In practice, many hospices absorb this cost entirely.
  • Respite care: You pay 5% of the Medicare-approved amount for each inpatient respite day. In 2025, this is approximately $10–$15 per day for up to 5 days per benefit period.
  • Room and board if you live in a nursing facility: Medicare hospice does not cover the cost of the nursing home room and board itself—only the hospice services. If you receive hospice care while residing in a nursing facility, you pay the nursing home’s rate for room and board separately.

The Four Levels of Medicare Hospice Care

Medicare’s hospice benefit provides four levels of care, matched to your current condition:

  1. Routine home care: The most common level. The hospice team visits you at home on a scheduled basis. Nurses, aides, social workers, and chaplains come to you. Care is not continuous.
  2. Continuous home care: For periods of medical crisis — uncontrolled pain, respiratory distress, or other acute symptoms. A nurse or aide provides care continuously (at least 8 hours per day) in the home until the crisis is resolved.
  3. Inpatient respite care: Short-term care in an inpatient facility (up to 5 consecutive days per benefit period) to give family caregivers a temporary break. Care continues at the same quality—the location shifts briefly.
  4. General inpatient care: When symptoms cannot be managed at home, Medicare covers inpatient care at a Medicare-certified hospice facility, hospital, or nursing facility for as long as the symptoms require it.

Palliative Care vs. Hospice Care: What’s the Difference?

These terms are often confused. Understanding the difference matters for coverage purposes:

Hospice CarePalliative Care
PurposeComfort and quality of life when curative treatment is no longer soughtSymptom relief and quality of life alongside curative treatment
Prognosis required6 months or less if illness runs its courseNo prognosis requirement — any serious illness, any stage
Curative treatmentForegone as part of the hospice electionContinues alongside palliative support
Medicare coverageComprehensive coverage under Part A hospice benefitCovered under Part B as physician/outpatient services when medically necessary

Palliative care can begin at diagnosis and continue through the entire course of a serious illness. It is not a step toward hospice—it is a parallel service. If you or a loved one has a serious illness and is experiencing pain or distressing symptoms, palliative care is available and Medicare-covered regardless of prognosis.

How to Start the Medicare Hospice Benefit

  1. Talk to your doctor. Ask whether hospice eligibility criteria are met and whether it might be appropriate now. Many doctors are reluctant to raise the topic—family members can also bring it up.
  2. Choose a Medicare-certified hospice organization. Use the Medicare Care Compare tool at Medicare.gov to find and compare hospice providers in your area, including quality ratings and patient experience scores.
  3. Have two physicians certify the prognosis. The hospice’s medical director and your personal physician must both certify that your life expectancy is 6 months or less if the illness runs its normal course.
  4. Sign the election statement. This is the form that officially enrolls you in hospice care and confirms your choice to focus on comfort rather than curative treatment.
  5. The hospice team develops your plan of care. Within 5 days of enrollment, the hospice team creates a personalized care plan with you and your family.

Frequently Asked Questions

Can you leave hospice if you change your mind?

Yes. You can revoke your hospice election at any time and return to standard Medicare coverage. You might choose to do this if a new treatment option becomes available, if your condition improves significantly, or for any reason. After revoking, you can re-elect the hospice benefit again if and when you choose to.

Does Medicare cover hospice in a nursing home?

Yes, Medicare covers the hospice services for a patient living in a nursing home. The nursing home itself bills separately for room and board (which is not covered by Medicare’s hospice benefit, though Medicaid may cover it for qualifying low-income residents).

Does Medicare cover hospice care for Alzheimer’s or dementia?

Yes. Alzheimer’s disease and other forms of dementia are qualifying terminal diagnoses for the Medicare hospice benefit when the disease has progressed to a stage where a physician can certify a 6-month or less prognosis. Hospice for dementia focuses on comfort, feeding support, oral care, pain management, and family counseling. Many hospice organizations have specialized dementia care expertise.

Does Medicare cover bereavement support for the family?

Yes. Medicare-certified hospice programs are required to provide bereavement counseling to the patient’s family for at least one year following the patient’s death. This is a covered service included in the hospice benefit—at no cost to the family.

More Medicare Coverage Guides from SeniorAffair:
Does Medicare Cover Skilled Nursing Facility Care? • Does Medicare Cover Home Health Care? • Medicare and Alzheimer’s Care: What’s Covered? • Does Medicare Cover It? Complete Guide

This article is for informational purposes and does not constitute medical or legal advice. Medicare hospice eligibility and coverage rules are governed by CMS. For questions specific to your situation, speak with a Medicare-certified hospice, your physician, or a State Health Insurance Assistance Program (SHIP) counselor—free at shiphelp.org. You can also call 1-800-MEDICARE at any time.

Why We Love How Bright Light Therapy Lamps Benefit Older Adults (And You Should, Too!)

By
Mia Wilson
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0
bright light therapy

If you experience sleep disorders, the blues, or depression in the winter months, you aren’t alone, and there is an entirely rational explanation for that. 

In this Senior Affair article, we visit the uses of bright light therapy and how it can help older adults by treating many conditions like: 

  • Depression
  • SAD (seasonal affective disorder)
  • Sleep disorders
  • Dementia
  • Alzheimer’s

According to the Mayo Clinic, certain skin conditions can also be treated, such as psoriasis.

What is Seasonal Affective Disorder

When you suddenly feel sadness and low energy at certain times each year, they call this seasonal depression or (SAD). 

You can beat these feelings by using a seasonal depression lamp to bring the light into your home to boost your serotonin and melatonin levels.

These lamps have been used to sleep disorders – like insomnia, jet lag, or sleeplessness. By using light therapy, you can help your natural circadian rhythm, helping you fight fatigue and restlessness.

Your body creates different hormones; let’s discuss two of them. The first, serotonin, is produced when your body is exposed to sunlight when it gets dark out. Then, the serotonin converts to melatonin, which makes you tired and maybe depressed. 

What Is Bright Light Therapy?

All humans need sunlight to survive. A therapy that uses high-powered therapy lights that mimic daylight. These phototherapy lights usually provide 10,000 LUX that triggers your hormonal changes. 

Why Use Bright Light Therapy? 

Having these sunlight therapy lamps in your home positioned correctly and used for the appropriate amount of time can increase your melatonin levels and improve your mood, energy, sleep pattern and digestion. 

What Conditions Can Bright Light Therapy Treat?

Since sunlight therapy lamps can help with hormonal imbalances in the body, you can use them to treat seasonal affective disorder, circadian rhythm disorder, ADHD, and anxiety.

Using Bright Light Lamps for Community-Dwelling Adults

This information from the National Institute of Health recommends that it’s worth trying BLT (bright light therapy) with patients in an institutional setting. They found that its use reduced nap duration and increased mood when used with social and physical activities. They note that we should pay more attention to using these lamps in this setting for mental and physical well-being.

How Can Older Adults Benefit from SAD Light Therapy?

A study shows that three weeks of using bright light therapy boxes improved depression in 54% of older adults. In addition to lifting their moods, light therapy improves sleep and optimizes serotonin. 

SAD Lights Help with Sleep Problems for Older Adults

Everyone has an internal clock; this clock tells our systems when it’s time to sleep and when it’s time to wake up, according to the American Academy of Sleep Medicine also regulates body temperature. 

What to Look for in a Light Therapy Lamp?

Shape

A compact shape is an excellent pick for an older adult because they are lightweight; you could quickly bring it along with you on vacation or room-to-room by having a detachable or convertible stand.

Light Intensity

The lux is a measure of light intensity; most light therapy lamps offer 10,000 lux brightness. This research suggests that most indoor lighting only provides 100 lux, and a sunny day provides 50,000 lux. 

Advanced models have multiple brightness settings or sunrise or sunset modes for gradual adjustments from day to night. People prone to light sensitivity have features to eliminate flicker, glare control, and non-white light. 

Adjustable Settings

If you like variety, you should choose a model with multiple settings to choose from, like adjustable dimming and brightness regardless of the time of day, location or season. 

Timer

To avoid sunburn or overexposure, choose an option with a timer, or use a timer and manually time your session. Depending on your situation, following your doctor’s and the lamp manufacturer’s instructions about the recommended frequency and how long you should use it, this could be from 20 to 40 minutes in the morning, the same in the evening.

Carex Day Light Classic Plus Bright Light Therapy lamp 1
Carex Day-Light Classic Plus Bright Light Therapy Lamp

Check Out These Best Bright Light Therapy Lamps

We recommend Carex Day-Light Classic Plus Light if you experience SAD; this helps by blocking 99% of UV rays, improving sleep, and boosting mood. 

It features a large light face with two brightness settings, adjustable height, and angle with a five-year warranty. 

This lamp provides 10,000 lux of glare-free, LED white therapy light. It blocks 99 percent of UV rays and projects the light downward for maximum effectiveness. 

With a broad surface to project the light from, the lamp provides a total dose of light from 12 inches, so you don’t have to sit right next to the lamp.

Carex designed the Daylight therapy lamp to improve sleep, boost mood, and improve your concentration. The unit stands on a pedestal.

 Customer Review

“I have suffered from SAD for about 10 years. Ever since I moved from the East Coast to Wisconsin, I suffer from depression starting at around early October lasting until April-ish. I have tried pretty much everything I could think of, except for prescription psychotropic medication. I’ve done supplements, herbal supplements, homeopathy, consistent exercise throughout the entire winter, dietary changes (several different types over the years, and even a Philips GoLite Blue. The blue light never worked, no matter how consistent I was. NOTHING worked. I should note that I was never dangerously depressed, but just “blah” from Fall to Spring.

I finally caved and saw my GP and discussed my depression. Though he initially wanted to put me on prescription medications, I expressed my concerns and that I’d be willing to try ANYTHING first prior to prescription medications, if he could think of anything. He mentioned giving light therapy a try. I got a prescription for a lightbox and contacted my durable medical equipment provider.

It didn’t work out with insurance and I wasn’t able to get it through them, but I did learn of what they were going to give to me with a doctor’s order, and I tracked it down on Amazon. I ended up purchasing this privately because I was starting to feel the depression coming on. I literally felt AMAZING within about 3 days. The following week, I really noticed the change when I was driving with the sunroom open on a sunny day, and found that I was actually smiling for no reason, just smiling taking in the beauty of the day and weather! I haven’t felt that good in years!

Since then, I’ve used it since 9/21/16, about 2 months. I notice that when I take several days off, I feel my mood shift. I also noticed that it reset my sleep pattern literally within 2 days. I don’t need an alarm clock to wake up now. If I use my lamp at 5 AM, I literally awaken at 5 AM whether I want to or not. This is great for consistency for work, but bad on weekends when I want to sleep in. Also bad for nights I stay up late for something because I’m up at 5 AM regardless! Stay up to 1 AM playing video games, I’m up at 5 AM! Kinda sucks, but I can’t fault the machine for that… It’s also large, and you will need a sturdy place to keep it because it’s heavy too. But it needs to be big I believe to work effectively. I wish it had less plastic around the base and more metal. It’s already heavy, so I could deal with a little more if it were all metal. I also wish it used LEDs instead of old-school fluorescent lights. But maybe LEDs wouldn’t be as effective? My blue light was small and LED (still bright though), but it wasn’t effective…

I would HIGHLY recommend this for Seasonal Affective Disorder/Major Depression. This literally saved my life and marriage, and I’m finding life up north bearable now, versus dreading it every Fall. Avoid the smaller lamps, and those gimmick blue lights. They do nothing.”

-Adam Hunt

carex com theralite radiance light therapy lamp 28287931580521 1
Carex Theralight Radiance Light Therapy Lamp

Carex Theralite Radiance Light Therapy Lamp

This SAD light therapy light has all the tech options – an alarm clock, wireless charging station, and a USB port. It’s small and portable and provides the recommended 10,000 lux. It has four light settings, can also be used as a desk lamp, and could help with sleep disorders like insomnia.

Customer Review

5.0 out of 5 stars It’s been the best thing for my SADness. I wish I hadn’t waited until now to get one.

“I wish I had bought this so many years ago. I was so skeptical at first. Was like, meh, if nothing else, it’ll be an extra lamp.

I live in the cold Midwest where it’s now dark when I go to work and when I leave. My office is in the middle of the building with no sunshine whatsoever. Every year around this time, my coffee intake increases from none in the summer to a very large amount when the spring brings more light.

Normally, I drink 20+ oz of heavy-duty cold press coffee, a day, at least (roughly the equivalent to 20 oz of espresso)!

The day I got it, I used it & it was as if I drank all of my coffee straight away, minus the jitters and anxiety, in reality, I drank about 4 oz, BEFORE I used the light.

It’s freaking wonderful!

Now, it takes me a whole week to MAYBE drink 20oz.

My overall SADness has seemed to disappear.

I thought it was a fluke so I continued to use it and the results are the same! I wish I had one at home for the weekends.”

-Dara

Sources

  1. Will a SAD Sun Lamp Actually Make You Happy?. Health Essentials from Cleveland Clinic.
  2. Jurvelin H, Takala T, Nissilä J, et al. Transcranial bright light treatment via the ear canals in seasonal affective disorder: A randomized, double-blind dose-response study. BMC Psychiatry. 2014;14:288. doi:10.1186/s12888-014-0288-6
  3. M.D MCM. Seasonal affective disorder: bring on the light, Harvard Health Blog.
  4. Pail G, Huf W, Pjrek E, et al. Bright-light therapy in the treatment of mood disorders. Neuropsychobiology. 2011;64(3):152-62. doi:10.1159/000328950
  5. Seasonal affective disorder: using light therapy | Michigan medicine.
  6. Okawa M. [Bright light therapy for elderly]. Nihon Rinsho. 2015 Jun;73(6):997-1005. Japanese. PMID: 26065132.

How Lighting Can Improve Safety in Your Home Environment

By
Mia Wilson
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0
How Lighting Can Improve Safety in Your Home Environment
Image courtesy of Unsplash

When you think of a safe home environment, good lighting probably isn’t the first thing that comes to mind. However, whether you hope to age in place or could use help navigating your home, lighting improvements can be a boon in many circumstances. Read on for vital advice to ensure your home is adequately lit for comfort and independence.

Consideration for Aging Eyes

Our vision changes substantially as we grow older. Some experts feel that in our mid-40s, it’s typical for eyesight to begin a steady decline, which accelerates in our 60s, leaving us less able to distinguish details and contrasts. Glare becomes more bothersome, it’s harder to tell colors apart, and our eyes take longer to adjust to changes in brightness. These vision changes can leave seniors at an increased risk for falls. With that in mind, HomeAdvisor recommends lighting modifications aimed at fall prevention. Examine areas of the home that tend to be particularly dim, especially transitional spaces such as hallways and staircases. It’s easier to get off-kilter because you might be moving from a bright room into a darker area. So, find ways to even out the lighting by choosing different light bulbs or adding more fixtures.

Low-Vision Essentials

If you’re someone living with low vision, there are several tricks for improving the lighting in your home environment. For instance, dimmer switches can help with adjusting ambient lighting. Also, make sure light switches are either lit or contrast strongly with the wall color, making them easier to see. Another recommendation is to use ample task lighting and set your lamps exactly where you need them, directing the light toward your project.  

Bright Ideas for the Bath

Bathrooms naturally lend themselves to trouble. With all the slick surfaces, shifting positions, grooming gadgets, and soapy water, it’s easy to understand how being able to see correctly can be an asset. With that in mind, assess your bathroom lighting. Is there sufficient brightness where you use the mirror? Do you have proper lighting in the shower and bath areas for safe transitioning? Is natural light allowed in, and if so, is it pleasant, or is there so much you’re experiencing glare? Be sure to make adjustments for comfort and safety. You can get a quote for a bathroom remodel and compare offers by entering your zip code.

Kitchen Concepts

Although the kitchen is the heart of the home, without proper lighting, it can quickly become a danger zone. Sharp blades, hot surfaces, and whirring equipment can mean potentially severe injuries if you can’t see well. One suggestion is to layer the lights throughout the space when upgrading kitchen lighting. By including multiple sources in various positions, you reduce both glare and shadows, evening the light and brightening the room as a whole. Avoid using shades, including some task lights in your work areas. Older homes often have fluorescent lightboxes with poor light quality, but you can replace them with options like track lighting, recessed lighting, or undercabinet lights.

philips hue couple

Love Your Living Room

There are several important considerations for living room lighting. First, it’s another room where layered lighting can improve comfort, such as table lamps where you read, bright ambient lighting, and added floor lamps in dim corners. Another aspect to consider is that watching TV in the dark can strain your eyes, so make sure you flip on some lights.  

Add Some Technology 

CBS News explains important ways smart home technology can improve your lighting situation. For rooms that are tough to navigate, lights with motion or voice activation can ease your comings and goings, or you might want to set up lights to come on simultaneously every day. Another plus is turning on lights from your phone, as it can save you from coming home to a dark house if you’re out and about longer than expected.  

Philips Hue offers a premium experience via Bluetooth connectivity. You can control your lights from your mobile device. For $199, you can get a starter kit with 4 LED bulbs with ambiance adjustments to set the mood.

philips hue LED starter kit
Philips Hue LED Starter Kit

Being unable to see well can make your home environment challenging. Thankfully through, well-chosen lighting can often improve conditions. Assess your situation, and look for ways to stay safe and sound at home.

Types of Senior Living Communities Explained: How to Choose the Best Fit

By
Mia Wilson
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0
Senior Living Communities Defined and Choosing What’s Best

We know growing old gracefully has its challenges. A major one involves the elderly being forced to alter their current living arrangements and move to a senior-assisted facility. In most situations, this is due to physical disabilities or other unusual and questionable behavior, it gradually or suddenly becomes necessary. The decision is often made by the person’s family member, guardian, or another concerned individual. This possibly involves the senior facing the grim reality of choosing to leave the comfort of their home where children and pets were raised, dinner parties were held and many other loving memories were made. The best living lifestyle depends on which individual services are needed. The level of quality care required with daily health, safety, and maintenance needs should be considered.

According to the U.S. Department of Health and Human Services, about 70% of people age 65 or older, require long-term care services. Although most people believe long-term care affects only those in their senior years, 40% of individuals currently receiving these services are under the age of 64.

Knowing the differences in making the best choice on your senior living arrangements does not have to be complicated, frightening, and/or expensive. Here is what’s offered and the differences between Assisted, Supportive, and Independent Living communities

senior living long term care

Assisted Living

Most Assisted Living Facilities (ALFs) also known as retirement homes, residential care, or long-term facilities primarily help residents with minor medical services. The goal is to treat each resident like family and provide personalized care in maintaining or regaining their independence. Currently, over 800,000 Americans currently reside in assisted living facilities, with just over half of the residents being aged 85 years and older.

Choosing assisted living vs. living at home greatly enhances the quality of life and improves health and safety. At a minimum, the apartments offer one unfurnished room, a private wheelchair-accessible bathroom, and a kitchenette. At-home maintenance is provided when needed and to make the resident’s life easy, a registered nurse and experienced care team are on-site around the clock. They assist with first-aid wound care, bathing, dressing, toileting, medication management, and physical, speech, and occupational therapies.

In addition, most ALFs have an on-site fitness center with a personal trainer, wellness center, 24/7 security, and emergency call system. Scheduled transportation is arranged to assist with medical appointments or shopping. There are three delicious and nutritious chef-prepared meals to enjoy every day. To stay sharp and fit, a monthly calendar of events is planned to encourage participation in social, spiritual, recreational, cultural, and educational programs on-site.

Care.com allows you to search for and connect with caregivers and senior living communities in your area.

The size of the facility, type of services included, and the number of services required all impact monthly fees. According to Genworth Financial, the average cost of assisted living in 2020 was $4,300 per month or $51,600 annually. Costs vary by state. A Florida resident’s daily rent cost $122 (average $3,700 monthly) for a one-bedroom apartment while in New Jersey the cost is $219 (average $6,650 monthly).

Supportive Living

Supportive living communities provide personal care, daily socialization, and educational activities in a comfortable, home-like setting. Residents enjoy private apartment homes (either studio, one or two rooms), and depending on their chosen community may have access to relaxing outdoor spaces, recreational rooms, and beauty or barber services.

In contrast to assisted living, these services are provided in supportive living at a reduced or subsidized cost. Also unlike in assisted living, if a resident becomes unable to pay for the care, they are not required to move from their apartment. These financial safety nets are why supportive living communities are such an asset to seniors, their families, and communities.

For example, in 2019 my 77-year-old family member had enjoyed living in an independent senior building for many years. The camaraderie and family-like environment greatly enriched her quality of life as a senior. She was involved in coordinating various social events and made many friendships. Due to a debilitating medical diagnosis, she suddenly needed assistance with housekeeping, personal care, and more. She was faced with moving into a supportive living community. Prior to moving in, proof of income and other items were required.

Documents Needed for Supporting Living

  • Birth certificate and social security card
  • Medicare and/or Medicaid Insurance
  • Primary physician’s name, address, and phone number
  • Life insurance policies including cash surrender value
  • Irrevocable Trust State showing a funeral home as Trustee
  • Funeral home’s financial worksheet
  • Maximum of $2,000 in total assets
  • List of properties sold, transferred, or given away in the last 5 years
  • Financial accounts; checking, savings, 401K, trust, IRA, investments, life insurance, etc. (closed or cashed in the last 5 years)
  • Car ownership within the last 5 years
  • Any Power of Attorney (POA) for Health Care and financial property

With supportive living, rent cost is determined by personal income. She received social security insurance benefits, therefore, after the monthly rent was withdrawn this left her with a $90 monthly allowance.

Just like other senior living opportunities, services and amenities can vary from community to community. In Illinois, the minimum services required in supportive living communities include:

  • 24/7 Nursing assistances (CNAs)
  • Assistance with bathing, dressing, and medication management
  • Three meals a day
  • Housekeeping and laundry service
  • Social, educational, and wellness activities
  • Arranged transportation for appointments
  • Wheel-chair accessible kitchenette with microwave
  • Wheel-chair accessible bathroom with walk-in shower
  • Wall-mounted TV and basic cable services
  • 24/7 Security and Emergency Call Systems
  • On-site activity room, library, beauty and barber salon, fitness center and more
  • Social programs and activities

happy doctor and patient together at nursing home 2021 08 26 19 58 19 utc

Independent Living

Most Independent Living communities are also known as retirement communities, senior living communities, or independent retirement communities. Residents are typically 55 years and older and are mentally and physically capable of living alone without assistance with day-to-day activities. Some residents may need assistance with a few activities of daily living and can obtain various outside home health care services.

Seniors who wish to downsize or travel freely without the burden of managing a home may benefit from residing here. There is less home upkeep and increased access to nutritious meals, social interaction, physical and mental stimulation.

The most significant difference between assisted living and independent senior living is the care provided. Residents of a purpose-built independent senior living complex have taken an active decision to improve their quality of life by living in a secure, low-maintenance apartment, cottage, or home.

Independent senior living residents are able to live on their own with limited assistance and without around-the-clock supervision. Neither assisted living nor senior independent living communities offer 24/7 skilled nursing that is provided at nursing homes.

A few amenities of most independent living facilities include:

  • Housekeeping and laundry service
  • Stove, dishwasher, and full-size refrigerator
  • On-site activity room, library, beauty and barber salon, fitness center, and more
  • Social programs coordinated by residents and staff
  • Transportation to appointments and shopping
  • 24/7 Security and Emergency Call System
  • Low-income residents are also accepted at most
  • Small pets are welcome (in some communities)

Conclusion

Choosing to live in a senior-assisted community is possible as we grow older. Assisted Living assists you with around-the-clock minor medical needs whereas Supportive Living is based on reduced and subsidized costs and provides a few useful daily care amenities. Independent Living is for the active senior who does not require 24/7 assistance.

Moving to a senior living community can be the perfect solution. if you are struggling with making a decision, please keep in mind it’s based primarily on your physical condition and income. If you are unable to completely care for yourself, physically get around your home or community as before, it may be time to seek assistance and advice.

For more information, start with consulting with your physician, a family member, a close friend, and the Department of Health and Human Services to see the various providers and facilities. Go online for senior living communities in your area. Be it independent, supportive, or assisted living, I sincerely wish you all the best in reaching a comfortable living arrangement in improving your quality of life and fitting your needs.

How to Tell if You Have Neuropathy: Early Signs & Next Steps

By
Mia Wilson
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0
Do I Have Neuropathy, The Good, the Bad, and the Ugly

As we slowly and gracefully navigate through our Golden Years, life continues to present unpleasant surprise twists and turns with declining health. So one day, you feel pretty good, and the next day you don’t.

Take Ms. Ruthie, a 64-year-old Hairstylist with type 2 diabetes. Her once vibrant and successful 35-year career in hair care resulted in forced retirement due to symptoms related to Neuropathy. She started experiencing short periods of weakness and pain with walking and standing because of swollen legs and feet. Later, she began feeling dizzy and weak. She ignored these symptoms by attributing them to her age, diabetes, and work-related stress.

Do I Have Neuropathy. The Good the Bad and the Ugly 1

As the pain and weakness continued, she found it difficult to perform simple daily tasks around the salon. These unwelcome and unexpected problems were affecting her mobility more and more. To alleviate her discomfort, Ms. Ruthie decided to hire a part-time Hairstylist, purchase a walking cane for balance, and a pair of quality comfortable shoes. This was a short-term solution that worked well until the numbness in her hands flared up months later. She simply described her hands as feeling as if they were inside a bag of sand. This prompted her to make a doctor’s appointment, and she was immediately referred to a Neurologist for further examination. Ms. Ruthie was diagnosed with Peripheral Neuropathy.

Peripheral neuropathy
Neuropathy cleveland clinic

What Is Neuropathy?

Pronounced as noo–rop–uh-thee, Neuropathy is defined as nerve damage and nerve pain.

Neuropathy Symptoms

Common symptoms include a frequent feeling of “pins and needles” in the leg, feet, and hands. Persistent tingling of the extremities with stabbing pains often shooting down to the feet. Bare feet feel covered up. Insomnia occurs due to constant pain. There’s excessive sweating or inability to sweat. Muscle weakness, dizziness, loss of balance, and lack of coordination are possible. You may experience sensitivity to the slightest touch as well as intolerance to heat and cold.

Diabetic Peripheral Neuropathy
Diabetic Peripheral Neuropathy

Neuropathy Types Defined

There are four known types of Neuropathy: Peripheral, Autonomic, Focal, and Proximal. 

Peripheral Neuropathy is nerve damage, dysfunction, and pain to parts of your nervous system like your peripheral nerves. It can develop from a brain injury, stroke, alcohol abuse, or other medical conditions like diabetes, a leading cause of chronic pain. Symptoms can worsen and tend to flare up due to triggers related to inflammation, infection, swelling, and physical pressure on the nerve.

Autonomic Neuropathy affects the involuntary nerves that control the organs of your body. These nerves control heart rate, heart contraction strength, blood pressure, urination, intestine movements like diarrhea and constipation.

Focal Neuropathy is common. It includes conditions like carpal tunnel syndrome caused by compression of hand and wrist nerves. Compression can occur due to pressure from prolonged positions or from overusing a limb in a manner that causes inflammation.

Proximal Neuropathy is less common than other neuropathy types. It affects nerves of the limbs such as the thighs, upper arm, or shoulders. It is common to occur along with Peripheral Neuropathy.

Causes of Neuropathy

A number of factors can lead to a neuropathy diagnosis. Diabetes is the main cause where you experience pain, burning, and loss of sensation in the feet and hands. For example, deficiency in vitamins B1, B6, B12, E, and Niacin can harm nerve function. Excessive alcohol consumption causes low levels of Thiamine which is vital for proper nerve function. Nerve damage can occur because of injuries or intense physical activities that compress the nerves. Normal oxygen levels due to vascular disorders that reduce blood flow to the extremities, genetic disorders, and autoimmune diseases can also cause Neuropathy. Other diseases such as kidney and liver disorders, tumors, myeloma, and lymphoma are also known triggers.

Treatment for Neuropathy

Good news! There is an abundance of remedies available to relieve and treat neuropathy symptoms. However, before indulging in any of the following activities, discuss them with a Neurologist or other medical professional specializing in geriatric medicine as there are long-term benefits, side effects, and risks involved.

  • Physical therapy and regular exercise to strengthen muscles.
  • Comfortable wide-width footwear with an extra-depth design, padded and thick cushioned lining, wide toe box, orthotics insole, non-binding stretch uppers, and seamless interior.
  • Intravenous Immunoglobulin (IVIG) – This therapy is an intravenous procedure performed in a hospital or in the privacy of your home. A medical professional administers anti-inflammatory medication directly into your bloodstream. Headaches are a side effect relieved with any over-the-counter pain reliever like Tylenol Extra Strength.
  • Electrical nerve stimulation for damaged nerves and pain relief. Low voltage electrical currents are administered on and around the affected nerves.
  • Gabapentin, Cayenne Pepper (includes Capsaicin), or Apple Cider Vinegar for shooting burning nerve pain
  • Pain-numbing agents like topical creams, lotions, or ointments. 
  • Warm Baths and Vicks Vapor Rub® on legs and feet to soothe pain and distress.
  • Non-steroidal anti-inflammatory medication for pain reduction, swelling, and inflammation.
  • Dietary supplements such as Acetyl-L-Carnitine. Acetyl-L-carnitine, Alpha-Lipoic Acid, Vitamin B, Curcumin, Fish Oil, N-Acetyl Cysteine, and prescribed anti-depressants.
  • Natural ingredients with pure concentrated hemp extract known as CBD or Cannabidiol. For example, Elixinol CBD Gummies could help relieve agonizing joint discomfort and general muscle aches, soreness, sleep disorders, anxiety, and dozens of other ailments. There’s no THC and it heals without you feeling high.
  • For blood sugar control, Aloe Vera, Flax Seeds, Fenugreek, Turmeric, and Indian Blackberry.
  • Avoid food containing gluten, salt, sugar, artificial sweeteners, alcohol, refined grains, and saturated fats.

Covid and Neuropathy

A new long Covid study shows that the virus can cause lots of different long-lasting effects, these symptoms include nerve damage, heart problems, tingling sensations, depression, and brain fog. The damage to the nerves that connect the brain and spinal cord was more likely 90 days after infection.

Conclusion

Neuropathy, in any form, can be very difficult and stressful to deal with. It is the damage of any nerve in the body causing dysfunction. The type of nerves and pattern involved depends on the cause. Peripheral Neuropathy, a common type, is usually brought on by diabetes, alcohol abuse, chemotherapy, and several other potential reasons. It can significantly diminish your quality of life and the ability to be active. Do not panic. Pay close attention to the warning signs. Immediately seek medical advice to choose the best treatments and solutions to fit your needs. Unfortunately, there is no known permanent cure for Neuropathy; however, as previously noted, there are preventative measures to stop it from worsening.

Creliver foot circulation EMS and TENS foot nerve Muscle MAssager 1
Creliver Foot Circulation EMS & TENS ELectric Foot Stimulator

Fortunately, Ms. Ruthie does not struggle with her neuropathic pain and swelling as much as before. Instead, she has followed her doctor’s advice and performs several activities to combat it and control her blood sugar. The monthly IVIG treatments, low-fat diet, and physical exercise have changed her quality of life. Ms. Ruthie enjoys traveling with her family again, planting vegetables in her garden, and participating in an aerobics class.

She finds it easier to resume providing hair care services to select clients from time to time.

If you have Neuropathy or its symptoms, I wish you blessings of overall excellent health and long-term relief.

All the best!

Sources

https://my.clevelandclinic.org/health/diseases/14737-neuropathy

https://www.diabetes.org/diabetes/neuropathy

https://journals.lww.com/pain/Abstract/9900/Post_acute_sensory_neurological_sequelae_in.32.aspx

https://www.livemint.com/science/health/long-covid-can-cause-severe-nerve-diseases-check-these-symptoms-11648393999682.html

Does Medicare Cover Acupuncture in 2026? What’s Covered & What’s Not

By
SeniorAffair Editorial Staff
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0
Does Medicare Cover Acupuncture in 2026? What's Covered & What's Not
Does Medicare Cover Acupuncture in 2026? What's Covered & What's Not

Yes—but for one condition only. Medicare Part B covers acupuncture specifically for chronic low back pain, up to 12 visits within 90 days per year. If you show improvement, Medicare may cover up to 8 more sessions, for a maximum of 20 annually. For all other conditions—arthritis, neck pain, headaches, neuropathy—Original Medicare does not cover acupuncture.

Medicare’s acupuncture coverage is one of the more surprising additions to the program in recent years. After decades of treating acupuncture as alternative medicine outside its scope, CMS began covering acupuncture for chronic low back pain in January 2020, following a National Coverage Determination backed by substantial clinical evidence. Here’s exactly how the benefit works.

What Qualifies as Chronic Low Back Pain for Medicare?

Medicare’s acupuncture benefit applies specifically to chronic low back pain, defined as lasting 12 weeks or longer. The condition must be

  • Non-specific — meaning no identified underlying cause (not due to cancer, fracture, infection, inflammatory arthritis, or nerve root compression requiring surgery)
  • Moderate to severe in intensity
  • Diagnosed and documented by a treating physician, nurse practitioner, physician assistant, or clinical nurse specialist

Acute low back pain — pain that has lasted fewer than 12 weeks — is not covered for acupuncture under Medicare, even if it is severe.

Important limitation: Medicare will not cover acupuncture and another treatment for low back pain on the same day. If you have a physical therapy appointment and an acupuncture session on the same date of service for back pain, Medicare will only cover one of them.

Who Can Provide Medicare-Covered Acupuncture?

This is where many people encounter an unexpected barrier. Medicare does not cover acupuncture provided independently by a licensed acupuncturist in all cases. The coverage rules for practitioners are specific:

Practitioner TypeCan Bill Medicare for Acupuncture?
Medical Doctor (MD)Yes—if trained in acupuncture
Doctor of Osteopathic Medicine (DO)Yes—if trained in acupuncture
Nurse Practitioner (NP)Yes—if trained in acupuncture
Physician Assistant (PA)Yes—if trained in acupuncture
Clinical Nurse Specialist (CNS)Yes—if trained in acupuncture
Licensed Acupuncturist (LAc)Yes—as of January 1, 2024, LAcs can directly bill Medicare Part B for chronic low back pain
Acupuncturist under physician supervisionYes—when working under direct supervision of a qualifying billing provider

The 2024 addition of licensed acupuncturists (LAcs) as direct Medicare billing providers is a significant expansion. Previously, an LAc could only provide Medicare-covered acupuncture when working under the direct supervision of a physician or advanced practice provider. Now, LACs can bill Medicare directly—dramatically expanding the number of covered acupuncture appointments available to Medicare beneficiaries.

To be covered, the acupuncturist must be enrolled in Medicare. Not all licensed acupuncturists have enrolled. Ask your acupuncturist whether they accept Medicare before your first visit.

What Acupuncture Does Medicare NOT Cover?

Condition or ServiceOriginal Medicare Coverage
Acupuncture for arthritis (knee, hip, hands)Not covered
Acupuncture for neck pain or cervical painNot covered
Acupuncture for migraines or headachesNot covered
Acupuncture for neuropathy or nerve painNot covered
Acupuncture for fibromyalgiaNot covered
Acupuncture for anxiety or depressionNot covered
Acupuncture for nausea (cancer-related or otherwise)Not covered
Acupuncture for acute back pain (under 12 weeks)Not covered
Sessions 21+ in a calendar year (even for low back pain)Not covered

What You Pay for Acupuncture Under Medicare

When covered, acupuncture falls under Medicare Part B cost-sharing:

  • You meet your annual Part B deductible ($283 in 2026)
  • Medicare pays 80% of the Medicare-approved amount
  • You pay the remaining 20% coinsurance

The Medicare-approved amount for an acupuncture session varies by provider type and location but typically ranges from $60–$100 per session. Your 20% share is approximately $12–$20 per session after your deductible is met. Over 12 sessions, your expected out-of-pocket cost is $144–$240 in coinsurance—significantly less than private-pay acupuncture, which commonly costs $75–$150 per session.

Does Medicare Advantage Cover More Acupuncture?

Yes, this is one area where Medicare Advantage plans frequently offer expanded benefits. Many Medicare Advantage plans include acupuncture coverage for conditions beyond chronic low back pain, such as:

  • Osteoarthritis of the knee or hip
  • Cervical (neck) pain
  • Headaches and migraines
  • Anxiety and insomnia

Advantage plans may also offer more than 20 sessions per year or cover acupuncture through their supplemental benefit allowance (a prepaid debit card for wellness services). If acupuncture is important to you for conditions beyond back pain, this is a significant reason to compare Medicare Advantage plans in your area during open enrollment.

Frequently Asked Questions

Can I get acupuncture for sciatica under Medicare?

It depends. Sciatica caused by nerve root compression—a herniated disc pressing on a nerve—is specifically excluded from Medicare’s acupuncture coverage because it has an identified structural cause. Sciatica that presents as chronic low back pain without confirmed nerve root compression may qualify under Medicare’s chronic low back pain definition. Your doctor’s diagnosis and documentation determine eligibility.

Does Medicare cover dry needling?

Dry needling by a physical therapist is considered a physical therapy technique, not acupuncture, for Medicare billing purposes. When performed by a Medicare-enrolled physical therapist as part of a covered PT plan, it may be billed as a covered therapy procedure. Standalone dry needling billed as acupuncture follows the same chronic low back pain rules.

How do I find a Medicare-enrolled acupuncturist?

Use the Care Compare provider search tool at Medicare.gov to find Medicare-enrolled acupuncturists in your area. You can also call your current acupuncturist and ask directly whether they have enrolled in Medicare as a provider since 2024.

What if my back pain improves—does Medicare stop paying?

No—improvement is actually required to unlock the additional 8 sessions beyond the initial 12. If you complete 12 sessions and document improvement, Medicare continues to cover up to 8 more. However, if the acupuncture is not providing benefit (no improvement noted), Medicare will stop coverage even before reaching the 20-session maximum. Conversely, if you’ve completed your sessions and your back pain resolves, coverage simply ends for that year — you’d restart the same cycle the following calendar year if needed.

More Medicare Coverage Guides from SeniorAffair:
Does Medicare Cover It? Complete Guide • Does Medicare Cover Physical Therapy? • Does Medicare Cover Chiropractic Care? • Medicare Advantage Benefits Explained

This article is for informational purposes only. Acupuncture coverage rules and practitioner eligibility requirements are subject to change by CMS. Verify current coverage at Medicare.gov or call 1-800-MEDICARE. Always confirm with your provider that they are Medicare-enrolled before scheduling a covered visit.

 

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