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Healthcare Options For My Elderly Loved One

What Can I Do to Help

As people age, their health can often undergo significant changes that require differences in their living situations and healthcare needs. These changes naturally have financial impact that can also affect their estate.

For many people, navigating these changes in the life of an elderly loved one can be intimidating or even overwhelming. Many options do exist for providing healthcare for the loved ones in your life who have greater need due to age.


Medicaid is defined by The Health Insurance Association of America as a "government insurance program for persons of all ages whose income and resources are insufficient to pay for health care." It was designed as a healthcare solution for those with low income, as in the case of elderly people who aren't able to be in the work force any longer.

In the United States today, the Medicaid program is the greatest provider of funding for medical and health services expenses for those people who meet its criteria.


In 1966, the United States government began administering the Medicare program as a means of providing a national social insurance program that ensures access to health insurance for those people aged 65 and older. It covers nearly half of the of the health care expenses that fall into the categories covered by Medicare.

Over the course of an individual's life, they have the opportunity to pay into the Medicare system during their working years, which is the first step in being qualified to receive Medicare benefits.

Supplemental Health Insurance

Supplemental insurance is purchased to offset the cost of medical, hospital or other health related services that are not covered by Medicare. Depending on the situation of your loved one, this may be a necessity to help cover the costs their health care may require.

As loved ones age, it can have implications on the quality of their life and their estate. To help answer the myriad of questions involved in providing health care for your elderly loved one, you have an advocate in Hall, Ricketts, Schuller & Gurbacki, P.C. Our team can help you understand the options at your disposal. Contact us at 716-652-0828 or Contact us to schedule your consultation.

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Hall, Ricketts, Schuller & Gurbacki, P.C.
471 Main Street
East Aurora, NY 14052

Phone: 716-243-3515
Fax: 716-652-2058
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