Roaming Rehab: In Home Physical Therapy and Wellness
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Mobility Matters:
Roaming Rehab Reflections

Navigating the Medicare Maze: Exploring Medicare, Medicare Advantage, and Medicare Supplement Plans

5/17/2024

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Navigating Medicare Part 1: Understanding Basics, Eligibility, and Key Terminology

*This blog post is for educational purposes. Each insurance is different and has different benefits. It is up to you to know your benefits. Roaming Rehab will verify insurance prior to seeing each person to know exactly what will be covered and the costs associated with services. If you have any questions on if services are covered under your plan, please call!* 
​Navigating the intricacies of Medicare and its various options can be overwhelming. This guide is designed to simplify the process, answering common questions about coverage, plans, and enrollment. Gain the confidence to make informed decisions about your Medicare options with clear and concise information.
What is medicare

Deciphering Medicare

Understand the fundamentals of Medicare, a pivotal federal health insurance program tailored for individuals aged 65 and above. Read more to learn about its components, including Parts A, B, C, and D, and determine your eligibility criteria. 

Eligibility Criteria

Determining eligibility for Medicare involves various factors, primarily age and citizenship status. Here's a breakdown:
  • Age: Generally, individuals aged 65 and above are eligible for Medicare. Some exceptions may apply, such as individuals with certain disabilities or medical conditions who may qualify for Medicare before turning 65.
  • Citizenship or Legal Residency: To be eligible for Medicare, you must be a U.S. citizen or legal resident who has lived in the U.S. for at least five continuous years.
  • Work History: Many people become eligible for premium-free Part A based on their own or their spouse's work history. If you or your spouse worked and paid Medicare taxes for at least 10 years, you typically qualify for premium-free Part 
  • End-Stage Renal Disease (ESRD) or Disability: Individuals with ESRD or certain disabilities may qualify for Medicare regardless of age.

Medicare Components

Medicare consists of four primary parts, each offering different types of coverage to address various healthcare needs. You do not need to have all 4 parts. Most people have either Part A, B, and D with a supplemental medigap plan OR Part C. They are separate areas of coverage:
  • Part A (Hospital Insurance): Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services. It's often referred to as hospital insurance.
  • Part B (Medical/Outpatient Insurance): Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. It helps pay for services and supplies that are medically necessary to treat a disease or condition.
  • Part C (Medicare Advantage/Replacement): Part C, also known as Medicare Advantage, offers an alternative way to receive Medicare benefits through private insurance companies approved by Medicare. These plans often include coverage for Parts A and B, and sometimes prescription drug coverage (Part D), along with additional benefits like vision, dental, and hearing. *This REPLACES Part A and Part B*
  • Part D (Prescription Drug Coverage): Part D provides prescription drug coverage, helping to lower the cost of prescription medications. It's available to everyone with Medicare through private insurance companies that contract with Medicare.
When you enroll into Medicare. You will enroll into traditional Medicare (also called original Medicare) which is Part A and Part B. With traditional Medicare, you can add a prescription drug coverage plan (Part D) or a supplemental coverage plan.
Important Insurance Terminology

Important Insurance Terminology

Premium: This is the amount you pay each month for your insurance coverage. It's like a subscription fee that keeps your insurance policy active, regardless of whether you use any medical services.

Deductible: This is the amount you must pay out of pocket for covered services before your insurance starts to pay. For example, if you have a $1,000 deductible, you'll need to pay the first $1,000 of covered medical expenses before your insurance kicks in. 
*In 2024, each traditional medicare beneficiary had an annual deductible of $240.*

Out-of-pocket Maximum (or Limit): This is the most you'll have to pay for covered services in a plan year. Once you reach this limit, your insurance will cover 100% of covered services for the rest of the year. It includes deductibles, co-payments, and co-insurance, but typically excludes premiums. 
*Original Medicare does not have out of pocket limits*

Co-pay: This is a fixed amount you pay for covered healthcare services at the time of the visit. For example, you might have a $20 co-pay for a doctor's office visit or a $10 co-pay for prescription drugs. 
*Original Medicare does not have co-pays for therapy services*

Co-insurance: This is the percentage of costs you share with your insurance company after you've met your deductible. For example, if your insurance plan covers 80% of the cost of a covered service and you have a 20% co-insurance, you'll pay 20% of the cost, and your insurance will cover the remaining 80%.
*Original medicare has a 20% Co-insurance for therapy services. This is typically covered by a Medigap or supplemental plan*

In-Network: This refers to the group of healthcare providers, facilities, and pharmacies that have contracted with your insurance company to provide services at negotiated rates. Using providers within your network typically results in lower costs for you because these providers have agreed to accept the insurance company's payment terms. 
*All therapy providers (PT/OT/ST) are opted in with Original Medicare. There is no out of network. However, this does not apply to Medicare Advantage/Replacement plans*


Out-of-Network: These are healthcare providers, facilities, or pharmacies that do not have a contract with your insurance company. If you receive care from an out-of-network provider, you may have to pay higher costs, and your insurance company may cover less of the expense, or none at all, depending on your plan.


Superbill: A superbill is a detailed invoice or receipt that healthcare providers give to patients after a visit. It includes the services provided, the corresponding charges, and any diagnosis or procedure codes. Patients can use superbill to submit claims to their insurance company for reimbursement if the provider is out-of-network. This document helps ensure that insurance companies have the information they need to process claims accurately.
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​What is Osteoarthritis and 7 Ways Physical Therapy Help!

4/22/2024

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Osteoarthritis (OA) is a condition characterized by the wearing of cartilage in the joints. Cartilage is the tissue that cushions the ends of bones within the joint, allowing for smooth movement. When this cartilage deteriorates, bones may rub against each other, leading to pain, stiffness, and loss of joint function. OA commonly affects weight-bearing joints such as the knees, hips, and spine, as well as the hands and fingers.
senior hiking arthritis

Physical therapy is a valuable treatment approach for managing osteoarthritis in several ways:

Pain Management: Physical therapists can employ various techniques to alleviate pain associated with osteoarthritis. These may include manual therapy techniques such as joint mobilization, as well as modalities like heat or cold therapy.

Improving Range of Motion and Flexibility: Physical therapy exercises are designed to help maintain or improve the range of motion and flexibility of affected joints. Gentle stretching exercises can help prevent stiffness and improve joint function.

Strengthening Muscles: Strengthening the muscles surrounding the affected joint is essential for providing support and stability. Physical therapists can design exercises targeting specific muscle groups to improve strength, which can help reduce pain and enhance joint function.

Joint Protection Techniques: Physical therapists can educate individuals about joint protection techniques to minimize stress on affected joints during daily activities. This may involve teaching proper body mechanics, posture, and techniques for lifting and carrying objects.

Functional Training: Physical therapists focus on improving functional abilities necessary for daily activities such as walking, climbing stairs, and getting up from a chair. They may incorporate exercises that mimic real-life movements to enhance overall function and independence.

Assistive Devices: Physical therapists can assess the need for assistive devices such as braces, walking aids, and bathroom equipment to restore function in a safe manner. They can also provide guidance on the proper use of these devices to optimize their effectiveness.

Education and Self-Management: Physical therapists play a vital role in educating individuals about their condition and empowering them with self-management strategies. This may include advice on lifestyle modifications, such as maintaining a healthy weight and staying physically active, as well as techniques for managing pain and fatigue.

Overall, physical therapy is a key component of comprehensive osteoarthritis management, helping individuals alleviate pain, improve joint function, and enhance their overall quality of life.
senior running arthritis
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Understanding the Importance of Lymphedema Therapy: A Comprehensive Guide

4/8/2024

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Lymphedema is a condition that affects millions of people worldwide, yet it remains widely misunderstood. Characterized by swelling in certain parts of the body, often the arms or legs, lymphedema can be both physically uncomfortable and emotionally challenging. However, with proper management and treatment, individuals living with lymphedema can experience improved quality of life and reduced symptoms. In this blog post, we will explore the significance of lymphedema therapy, its various approaches, and how it can positively impact those affected by this condition.
Woman using compression garments for lymphedema

What is Lymphedema?

Before delving into lymphedema therapy, it's essential to understand what lymphedema is and how it manifests. Lymphedema occurs when the lymphatic system, responsible for draining fluid from tissues, is compromised or damaged, leading to a buildup of lymph fluid. This buildup results in swelling, typically in the arms or legs, but it can affect other parts of the body as well. Lymphedema can be primary, meaning it arises due to abnormalities in the lymphatic system, or secondary, resulting from damage to the lymphatic system, often due to cancer treatment such as surgery or radiation therapy.

The Importance of Lymphedema Therapy

Lymphedema therapy plays a crucial role in managing and alleviating the symptoms of this condition. While there is currently no cure for lymphedema, therapy aims to reduce swelling, improve mobility, prevent complications such as infections, and enhance overall quality of life. Here are some key reasons why lymphedema therapy is essential:
  • Reduction of Swelling: One of the primary goals of lymphedema therapy is to reduce swelling in the affected areas. Therapists utilize various techniques such as manual lymphatic drainage (MLD), compression therapy, and exercises to promote lymphatic drainage and decrease fluid buildup.
  • Prevention of Complications: Untreated lymphedema can lead to complications such as infections, skin changes, and decreased mobility. Through therapy, individuals learn how to properly care for their affected limbs, minimize the risk of infections, and recognize early warning signs of potential complications.
  • Improved Mobility and Functionality: Swelling and stiffness associated with lymphedema can significantly impair mobility and daily activities. Lymphedema therapy incorporates exercises and movement strategies to enhance flexibility, strength, and function, allowing individuals to better manage their condition and participate in daily life activities.
  • Education and Self-Management: Lymphedema therapy involves education on self-management techniques, including skin care, compression garment use, exercise regimens, and lymphedema precautions. Empowering individuals with the knowledge and skills to manage their condition effectively is key to long-term success and independence.

Approaches to Lymphedema Therapy

Lymphedema therapy encompasses a multidisciplinary approach tailored to the individual needs of each patient. Some common components of lymphedema therapy include:
  • Manual Lymphatic Drainage (MLD): MLD is a specialized massage technique that encourages the movement of lymph fluid from congested areas towards healthy lymphatic vessels, promoting drainage and reducing swelling.
  • Compression Therapy: Compression garments, bandaging, or pneumatic compression devices are utilized to apply external pressure to the affected limb, assisting in fluid movement and preventing swelling.
  • Exercise and Movement: Therapeutic exercises, such as range of motion exercises, strength training, and aerobic activities, help improve lymphatic flow, muscle pump function, and overall mobility.
  • Skin Care: Proper skin care is essential for individuals with lymphedema to prevent infections and skin complications. Therapists educate patients on gentle cleansing, moisturizing, and protecting the skin from injury.
  • Lifestyle Modifications: Lifestyle modifications, including maintaining a healthy weight, avoiding tight clothing or jewelry that can constrict lymphatic flow, and practicing good posture, can help manage lymphedema symptoms and improve overall well-being.
Couple using compression garments for lymphedema
Lymphedema therapy is a vital component of comprehensive care for individuals living with lymphedema. By addressing swelling, promoting lymphatic drainage, and empowering patients with self-management strategies, therapy plays a significant role in enhancing quality of life and reducing the impact of this chronic condition. Through a multidisciplinary approach tailored to individual needs, lymphedema therapy aims to optimize mobility, functionality, and overall well-being, enabling individuals to live life to the fullest despite the challenges posed by lymphedema.

Do you want to chat about lymphedema and how Roaming Rehab can help you? Please contact us today!
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Unlocking Health and Mobility: The Benefits of Roaming Rehab’s Mobile Outpatient Physical and Occupational Therapy in Denver Metro Area

3/27/2024

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Greetings to the wonderful seniors of the Denver metro area! Are you facing challenges with balance, strength, or pain and searching for a convenient and personalized solution to enhance your health? Let's explore the unique advantages of Roaming Rehab’s mobile outpatient physical and occupational therapy compared to traditional clinic-based and home health services.
Roaming Rehab mobile outpatient physical therapy assisting senior client with jumping exercises during in-home session in Denver metro area
1) What is Mobile Outpatient Physical and Occupational Therapy?
Mobile outpatient physical and occupational therapy by Roaming Rehab brings expert rehabilitation services directly to your doorstep. Our expert, licensed therapists design personalized treatment plans tailored to your unique needs, focusing on improving mobility, strength, balance, and overall quality of life right in the comfort of your home.

2) How Does It Differ from Physical Therapy in the Clinic?
Roaming Rehab’s mobile outpatient therapy offers several distinct advantages over traditional clinic-based physical therapy:
  • Personalized In-Home Sessions: Our therapists assess your home environment and incorporate exercises that you can easily perform in your own space, ensuring maximum convenience and adherence to your PT programs.
  • One-on-One Treatments: Experience personalized attention with individualized one-on-one therapy sessions, eliminating distractions and allowing for focused and effective treatment.
  • Comfort and Privacy: Say goodbye to crowded clinics! With Roaming Rehab, you receive personalized care in the comfort and privacy of your own home, enhancing your overall therapy experience.

3) How Does It Differ from Traditional Home Health Therapy?
Roaming Rehab’s mobile outpatient therapy stands out from traditional home health services in the following ways:
  • No Hospital Stay Required: Unlike traditional home health therapy that often follows a hospitalization, you can access our mobile outpatient PT/OT services without the need for a hospital stay.
  • Not Homebound? No Problem: You don’t have to be homebound to benefit from our services. Whether you’re recovering from an injury or looking to improve your mobility and function, Roaming Rehab is here to support you.
  • Extended Care Duration: We can typically provide longer-term care compared to the typical 2-6 week episode of care offered by traditional home health agencies, ensuring sustained progress and improved outcomes.

4) How Does Roaming Rehab’s Model Assist Older Adults in Recovery and Quality of Life?
Our unique model of building up to higher intensity exercise plays a crucial role in assisting older adults in various aspects of recovery and improving quality of life:
  • Recovery from Injury: By gradually increasing the intensity of exercises, we help promote faster and more effective recovery from injuries, enhancing your overall physical function and well-being.
  • Improvement in Functional Mobility: Our tailored therapy programs focus on improving balance, strength, and mobility, enabling you to perform daily activities with greater ease and confidence.
  • Enhanced Quality of Life: Whether you dream of hiking in the mountains or playing on the floor with your grandkids, our personalized therapy sessions are designed to help you achieve your goals and live a more active, independent, and fulfilling life.​
Roaming Rehab mobile outpatient physical therapy assisting senior clients to return to hiking with in-home sessions in Denver metro area
Roaming Rehab is dedicated to empowering seniors in the Denver metro area to unlock their full potential and lead healthier, happier lives through personalized, convenient, and high-quality mobile outpatient physical and occupational therapy services. If you or a loved one is in need of expert in-home therapy, don’t hesitate to reach out to Roaming Rehab today and take the first step towards a brighter and more active future!
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