Caregiver Guide
Helping a Parent Navigate Medicare
Clear resources and expert guidance for adult children and family caregivers.
Helping an aging parent choose the right Medicare coverage is one of the most loving — and most confusing — things you can do. You're not alone. Millions of adult children navigate this every year, and our team is here to make it easier.
Parent Medicare Assessment Checklist
Work through these questions before your free consultation to make the process faster and smoother.
Is your parent currently enrolled in Medicare Parts A and B?
Check their red, white, and blue Medicare card or log in to MyMedicare.gov.
Do they have a Medigap supplement, Medicare Advantage, or just Original Medicare?
Look for a separate insurance card from a carrier like Aetna, Humana, or UnitedHealthcare.
Do you have a list of all current medications (name, dosage, frequency)?
A Part D plan formulary check can save hundreds per year — we do this for free.
Which doctors and specialists does your parent want to keep?
Not all plans cover all doctors. We verify network participation before recommending any plan.
What is a comfortable monthly premium range?
We'll show options across the full spectrum — from $0 premium Advantage plans to comprehensive Medigap coverage.
Do you have healthcare power of attorney or are you an authorized representative?
Medicare requires written authorization (CMS-10106) for a third party to discuss a beneficiary's account.
Healthcare Power of Attorney & Medicare Authorization
To speak with Medicare or an insurance carrier on your parent's behalf, you'll need one of the following:
CMS-10106 Authorization Form
A simple one-page form that authorizes you to discuss Medicare with agents and carriers. We can walk you through completing it.
Healthcare Power of Attorney (HCPOA)
A legal document granting you authority to make healthcare decisions. Consult an elder law attorney in your state.
Durable Power of Attorney (DPOA)
Covers financial and legal decisions, including insurance premium payments and enrollment forms.
Annual Plan Review — Don't Skip This
Medicare plans change every year. Premiums, drug formularies, and provider networks are updated each October 15 – December 7 during the Annual Enrollment Period. We proactively review your parent's plan every year and alert you if a better option is available.
- Drug formulary changes can double prescription costs overnight
- Network changes can remove a preferred doctor mid-year
- Better-value plans are frequently available but rarely advertised
Let Us Help You Help Your Parent
One free call with our team can save your family hours of confusion — and potentially thousands of dollars.