Navigating health coverage can feel overwhelming, especially when you’re juggling multiple programs. Many older adults in Southwest Florida qualify for both Medicare and Medicaid, and understanding how these two programs work together can help you save money, avoid billing issues, and get the care you need.
This month’s Medicare Minute focuses on the basics of Medicaid, how it coordinates with Medicare, and where to turn for trusted help. A downloadable handout with full details is available at the end of this post.
What Is Medicaid?
Medicaid is a joint federal and state program that provides health coverage for people with limited income and assets. In Florida, Medicaid supports:
- Older adults
- People with disabilities
- Children
- Pregnant people
It also covers individuals who need nursing home care, long-term care services, or home health care. Eligibility varies by state and by program, and Florida offers several Medicaid-funded options depending on your needs.
Some people may also qualify through a Medicaid spend-down program, which allows you to deduct medical expenses from your income to meet eligibility requirements.
“You are eligible for Medicaid if you fall into an eligible group and meet that group’s financial eligibility requirements.”
How Medicare Works With Medicaid
If you qualify for both programs, Medicaid can help cover costs that Medicare does not. This includes:
- Secondary insurance coverage Medicare pays first, and Medicaid may cover remaining coinsurance and copays.
- Help with premiums Most people with both Medicare and Medicaid do not owe a Medicare premium.
- Lower prescription drug costs Individuals with both programs are automatically enrolled in Extra Help, which reduces medication expenses.
“Medicaid can provide secondary insurance… Medicaid can help pay your premiums… Medicaid can help lower the costs of your prescriptions.”
Watch Out for Improper Billing
If you’re enrolled in a Qualified Medicare Beneficiary (QMB) program, providers cannot bill you for Medicare‑covered services. If they do, it’s considered improper billing.
You cannot waive these protections, and providers cannot ask you to pay out-of-pocket for Medicare‑covered services. If this happens, speak with your provider—many simply aren’t familiar with QMB rules.
“If you have QMB, Medicare providers cannot bill you for any Medicare-covered services.”
Where to Get Help
AAASWFL’s SHINE program is here to support you with free, unbiased counseling:
For help with fraud, errors, or abuse, contact the Senior Medicare Patrol (SMP) at the same toll-free number.
Download the June 2026 Medicare Minute Handout
For a deeper dive into Medicaid eligibility, spend-down programs, QMB protections, and helpful contacts, download the full June 2026 Medicare Minute handout here.
This resource includes all the details covered above and is perfect for sharing with caregivers, family members, and community partners.
Posted: June 30, 2026 by Leave a Comment
Empowering Wellness: AAASWFL’s Living Healthy Workshops for Chronic Disease Self-Management
The Chronic Disease Self-Management Program (CDSMP), offered by the Area Agency on Aging for Southwest Florida (AAASWFL), is a free, evidence-based health and wellness intervention designed to empower older adults (aged 60 and older) and individuals with disabilities to actively take charge of their health. Developed at Stanford University, this highly interactive, six-week workshop series brings together small groups of 8 to 12 participants in convenient community settings to learn practical, step-by-step strategies for managing ongoing conditions such as arthritis, diabetes, heart disease, and hypertension.
Facilitated by a pair of trained leaders, the program guides participants through building a personalized self-management “toolbox.” Key workshop topics include action planning, problem-solving, healthy eating, appropriate medication usage, and techniques to effectively combat common symptoms like chronic pain, fatigue, isolation, and sleep disruption. Funded by the U.S. Administration for Community Living through the Florida Department of Elder Affairs, AAASWFL provides this program across Charlotte, Collier, DeSoto, Glades, Hendry, Lee, and Sarasota counties to measurably improve participants’ health outcomes, confidence, and overall quality of life.
You can find these classes under the name Living Healthy Workshops.
If you want to learn more about class schedules, becoming a volunteer, or facilitating a class, please reach out to: Gloria Longoria at Clorivel.Lappost@AAASWFL.org
Posted: June 30, 2026 by Leave a Comment
Spotting Government Imposter Scams
This World Elder Abuse Awareness Day, join the Elder Justice Coordinating Council, government agencies, and organizations across the country to spread the word about government and business imposter scams.
Government imposter scams are a serious problem: in 2025, the FTC received more than 375,000 reports about government imposters, with reported losses of $917 million.
These imposter scammers lie and pretend to be someone they’re not. Their goal? Trick you into giving them money, access to your financial accounts, or your personal information. They make up complicated stories about so-called emergencies so you’ll panic and act quickly before you have time to think about what to do or talk to someone you trust.
One common scam starts with an unexpected call from someone who says they’re from a well-known business, saying there’s suspicious activity on your account.
To “help” you, they transfer you to someone who says they’re from the government. This so-called helper, who claims to be from the FBI, the FTC, or some other law enforcement agency, urges you to move your money to “protect it” — maybe by transferring it to an account they give you, depositing it in a “government account” or crypto ATM for “safekeeping,” or getting cash or gold and giving it to a courier. But it’s all a lie. No one from the government will ever ask you to do these things. Only scammers will.
Other lies might involve a “suspended Social Security number” or supposed eligibility for government benefits. In all cases, that scammer will go to great lengths to convince you they’re with the government: fake caller ID or official-looking letters, for example. The agency name might be real or made up (but real-sounding), and some scammers might show you an employee ID or badge — all to seem more real. But they’re not.
To recognize and avoid a government imposter, keep these things in mind:
Talk to someone you trust if you’re worried about a problem with your account or identity — especially if the stranger says they’re from the government or the situation is serious or involves a crime. Visit ejcc.acl.gov/imposters for more on imposter scams. And if you spot an imposter scam — or any other type of scam — report it at ReportFraud.ftc.gov.
Posted: June 30, 2026 by Leave a Comment
Medicare Minute: Understanding Medicare & Medicaid – What Older Adults in SW Florida Should Know
This month’s Medicare Minute focuses on the basics of Medicaid, how it coordinates with Medicare, and where to turn for trusted help. A downloadable handout with full details is available at the end of this post.
What Is Medicaid?
Medicaid is a joint federal and state program that provides health coverage for people with limited income and assets. In Florida, Medicaid supports:
It also covers individuals who need nursing home care, long-term care services, or home health care. Eligibility varies by state and by program, and Florida offers several Medicaid-funded options depending on your needs.
Some people may also qualify through a Medicaid spend-down program, which allows you to deduct medical expenses from your income to meet eligibility requirements.
How Medicare Works With Medicaid
If you qualify for both programs, Medicaid can help cover costs that Medicare does not. This includes:
Watch Out for Improper Billing
If you’re enrolled in a Qualified Medicare Beneficiary (QMB) program, providers cannot bill you for Medicare‑covered services. If they do, it’s considered improper billing.
You cannot waive these protections, and providers cannot ask you to pay out-of-pocket for Medicare‑covered services. If this happens, speak with your provider—many simply aren’t familiar with QMB rules.
Where to Get Help
AAASWFL’s SHINE program is here to support you with free, unbiased counseling:
For help with fraud, errors, or abuse, contact the Senior Medicare Patrol (SMP) at the same toll-free number.
Download the June 2026 Medicare Minute Handout
For a deeper dive into Medicaid eligibility, spend-down programs, QMB protections, and helpful contacts, download the full June 2026 Medicare Minute handout here.
This resource includes all the details covered above and is perfect for sharing with caregivers, family members, and community partners.
Last Updated: May 29, 2026 by Leave a Comment
Understanding Medicare Appeals: What to Do If Your Coverage is Denied
If Medicare denies coverage for a health service or item you need, you still have options. Both Original Medicare and Medicare Advantage plans offer formal appeal processes that allow you to request a review of the decision. Knowing your rights—and the steps to take—can make all the difference.
You can download the full Medicare Minute handout with complete details here.
Before You File an Appeal
Before starting an appeal, take a moment to gather information and confirm whether the denial was made in error. According to the handout, “Call your health care provider to see if they made a billing mistake that caused the denial.” If no error occurred, your provider may be able to help you with the appeal or even submit one on your behalf.
It’s also important to contact Medicare or your Medicare Advantage plan to understand the reason for the denial. Your appeal letter should directly address that reason. Be sure to read all denial notices carefully—these documents include instructions and deadlines you must follow.
How to Appeal an Original Medicare Denial
If you are enrolled in Original Medicare, start by reviewing your Medicare Summary Notice (MSN). The handout explains that you should circle the denied service and complete the shaded section at the end of the MSN. Then mail your appeal to the Medicare Administrative Contractor (MAC) within 120 days of the date on your MSN.
How to Appeal a Medicare Advantage Denial
Medicare Advantage plans have two different appeal pathways depending on whether you have already received the service:
If You Miss the Appeal Deadline
Even if you miss the deadline, you may still be able to appeal if you can show good cause. The handout notes examples such as receiving the notice at the wrong address, being given incorrect information by Medicare, or being unable to manage paperwork due to illness. “If you think you have a good reason for not appealing on time, send your appeal as you normally would and include a clear explanation of why your appeal is late.”
Where to Get Help
You don’t have to navigate the appeals process alone. Your local SHIP and SMP programs are here to support you:
These programs can help you understand your denial, strengthen your appeal, and spot potential errors or fraud.
The Medicare Rights Center is the author of portions of the content in these materials but is not responsible for any content not authored by the Medicare Rights Center. This document is supported by the Administration for Community Living (ACL), U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $3,000,000 with 100% funding by ACL/HHS. The contents are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by ACL/HHS, or the U.S. government.
Posted: May 28, 2026 by Leave a Comment
Medicare Fraud Prevention Week: How You Can Help Protect Yourself and Your Community
Medicare fraud isn’t just a financial issue—it’s a community issue. Each year, Medicare loses an estimated $60 billion to fraud, and the impact reaches far beyond dollars. Fraud can cost older adults their time, peace of mind, medical identity, and even their health. Families and caregivers often carry the burden too, helping loved ones recover from fraudulent activity and navigating the stress that comes with it.
That’s why Medicare Fraud Prevention Week, held annually during the week of June 5, is so important. The date is intentional—most people become eligible for Medicare at age 65, and the “6‑5” reminder helps keep fraud prevention top of mind.
At AAASWFL, we’re proud to support the Senior Medicare Patrol (SMP) program and its mission to empower Medicare beneficiaries, families, caregivers, and community partners with the tools they need to PROTECT, DETECT, and REPORT Medicare fraud.
Medicare fraud has a devastating impact on both beneficiaries and the Medicare program. SMP programs across the country work every day to teach people how to avoid scams and safeguard their benefits.
How You Can Participate During Medicare Fraud Prevention Week
Everyone has a role to play in preventing fraud. Here’s how different groups can get involved:
Medicare Beneficiaries
Families & Caregivers
Community Partners
Health Care Professionals
Neighbors & Community Members
AAASWFL and SMP: Here to Help
The Senior Medicare Patrol is ready to support you with free, confidential assistance. SMP staff and volunteers help older adults:
We teach people how to avoid experiencing Medicare fraud. By preventing fraud from happening, this program helps individuals and protects the Medicare program for generations to come.
Medicare Fraud Prevention Week is a perfect time to start new habits, share information, and strengthen our community’s defenses against fraud. Together, we can protect the health and financial well‑being of older adults across Southwest Florida.
Join us online, June 3 to learn how you can protect yourself and your loved ones from Medicare fraud. Register today.
Request a free My Health Care Tracker, a fraud-fighting tool designed to help you track what happens at your health appointments. Contact your local SMP by calling the Helpline at 866-413-5337 or submit a Contact Request Form online.
Posted: May 1, 2026 by Leave a Comment
Understanding Medicare’s Telehealth Coverage: What You Need to Know in 2026
What Counts as Telehealth?
Telehealth is a full visit with a health care provider conducted by phone or video. It allows you to receive care without an in‑person office visit, making it easier to manage your health from home.
According to the Medicare Minute handout, telehealth can be used for services such as:
As the handout explains, “Telehealth includes certain services that you receive from a health care provider outside of an in‑person office visit.”
Telehealth vs Virtual Check-ins
It’s helpful to know the difference:
Medicare covers both, but they are not the same type of service.
Expanded Medicare Telehealth Flexibilities
Medicare’s telehealth rules changed significantly during the COVID‑19 Public Health Emergency, and many of those expanded options remain available through 2027. During this period:
If you have a Medicare Advantage plan, check with your plan directly to understand its specific telehealth rules and costs.
What is Remote Patient Monitoring (RPM)?
Remote patient monitoring allows providers to track certain health data—such as blood pressure, heart rate, or blood glucose—from your home. This can help reduce unnecessary office visits and support ongoing care for chronic conditions.
However, the handout notes that RPM can sometimes be misused. Watch for red flags such as:
If something doesn’t feel right, trust your instincts.
Where to Get Help
Want More Details?
You can find a convenient handout with all the information summarized here.
The Medicare Rights Center is the author of portions of the content in these materials but is not responsible for any content not authored by the Medicare Rights Center. This document is supported by the Administration for Community Living (ACL), U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $3,000,000 with 100 percent funding by ACL/HHS. The contents are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by ACL/HHS, or the U.S. government.
Last Updated: April 30, 2026 by Leave a Comment
Staying Connected: Introducing the Alumni Caregiver Support Group
Caregivers often tell us that the most meaningful part of their education experience is discovering they’re not alone. This group builds on that foundation, offering a supportive, confidential environment where alumni can:
Each session is guided by trained facilitators who help keep conversations supportive, focused, and empowering. Whether you prefer to join in person in Fort Myers or virtually via Zoom, the group is designed to meet caregivers where they are — both emotionally and geographically.
Monthly Meetings That Fit Your Routine
The Alumni Caregiver Support Group meets on the:
🗓 3rd Wednesday of each month
⏰ 1:30 p.m. – 2:30 p.m.
Participation is simple. Use the link below to join:
👉 https://forms.cloud.microsoft/r/hZWkndJ8Cj?origin=lprLink
Who Can Attend?
This group is open to caregivers who have completed any AAASWFL Caregiver Education Program and who reside in one of the following counties: Charlotte, Collier, DeSoto, Glades, Hendry, Lee, or Sarasota.
Have Questions? We’re Here to Help
AAASWFL Caregiver Support
239‑652‑6941 | tiah.thompson@aaaswfl.org
Caregiving is a long journey — but you don’t have to walk it alone. The Alumni Caregiver Support Group is here to help you stay connected, supported, and equipped with the tools you need to care for others while caring for yourself.
Posted: April 10, 2026 by Leave a Comment
Join AAASWFL as a Front Desk Support Volunteer and Help Create a Welcoming First Impression
We are excited to share a meaningful new way to get involved: the Front Desk Support Volunteer role. This opportunity allows caring individuals to help ensure that visitors and callers feel “seen, heard, and welcomed” as they seek information, resources, or support.
Why This Role Matters
The front desk is more than a reception area — it’s the heart of our daily operations. As a Front Desk Support Volunteer, you’ll be the friendly presence that greets guests, answers general questions, and directs individuals to the right programs or staff members. During midday hours, you’ll also help cover our Customer Service Representatives while they take their lunch break, ensuring that no visitor is left without support.
No specialized knowledge is required. As the opportunity notes, volunteers simply need “a genuine willingness to be present and helpful.” Our team provides a brief orientation so you feel confident and prepared.
Flexible Midday Schedule
This volunteer role is available Monday through Friday between 11:00 a.m. and 2:00 p.m., offering a consistent yet flexible two‑ to three‑hour commitment. Whether you can join us every day or only select days, your presence makes a meaningful impact. The agency welcomes conversations about what works best for your schedule.
Who This Opportunity Is Perfect For
This role is a great fit for:
As the description highlights, this opportunity is ideal for those who want to be part of something greater — to be the first face someone sees when they reach out for help.
Ready to Make a Difference?
If you’re looking for a way to give back, stay engaged, or build experience in a supportive environment, we would be honored to welcome you to our volunteer team.
📩 To learn more or express your interest, email: ea@aaaswfl.org
📍 Location: 2830 Winkler Avenue, Suite 112, Fort Myers, FL 33916
Posted: April 6, 2026 by Leave a Comment
How to Avoid Fake Prize, Sweepstakes and Lottery Scams
You get a call, email, or letter saying you won a sweepstakes, lottery, or prize — like an iPad, a new car, or something else. But you know it’s a scam because of what they do next: they ask you to pay money or give them your account information to get the prize. If you pay, you’ll lose your money and find out there is no prize.
Three Signs of a Prize Scam
Who doesn’t dream of winning a lot of money or a big prize? That’s why scammers still use the promise of a prize to get your money or personal information. The good news is that there are ways to tell you’re dealing with a scam.
Here are three signs of a prize scam:
How Scammers Try to Trick You
Scammers will say anything to get your money. Here are ways they try to convince you that you really won a prize.
If you’re not sure about a contest or the company sending you a prize notification, search online to see if you find anything about them. Type the name with terms like “review,” “complaint” or “scam.”
What To Know About Real Contests and Prizes
Plenty of contests are run by reputable marketers and non-profit organizations. But there are some things to know before you drop in a quick entry or follow instructions to claim a prize.
A special note about skills contests. A skills contest — where you do things like solve problems or answer questions correctly to earn prizes — can ask you to pay to play. But you might end up paying repeatedly, with each round getting more difficult and expensive, before you realize it’s impossible to win or just a scam. Skills contests can leave contestants with nothing to show for their money and effort.
What To Do if You Paid a Scammer
Scammers often ask you to pay in ways that make it hard to get your money back. No matter how you paid a scammer, the sooner you act, the better. Learn more about how to get your money back.
Report Prize Winnings and Lottery Scams
Here’s what to do if you think you’ve been targeted by a prize scam:
For local updates on scams and to connect to resources for older adults and adults with disabilities, visit the Area Agency on Aging for Southwest Florida’s (AAASWFL) website (https://aaaswfl.org) or call the AAASWFL Helpline at 866-413-5337.
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