< Previous210 |www.stlouistimes.comM. Karl Hawkins, LLC Phone: 314-961-5010 Fax: 314-961-5020 75 W. Lockwood Avenue, Suite 222, Webster Groves, MO 63119 Email: KarlHawkins@karlhawkind.com Website: www.KarlHawkins.com Counties Served: Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2005 Description: We provide years of estate planning experience and listen to your desires to ensure we exceed your expectations. Taking the first step of putting an estate plan in place can be intimidating and we want to take the fear out of planning for your estate. We offer hands on assistance to make sure your wishes are carried out. Schedule an appointment to discuss completing your estate plan. NAELA Member? No Other Accreditations: Member of MO Bar, Bar Association of Metropolitan St LouisMarkell Estate Planning & Elder Law Phone: 636-856-5241 P.O. Box 402, Wentzville, MO 63385 Email: JM@MarkellPC.com Website: www.MarkellPC.com Counties Served: Franklin MO, St. Charles MO, St. Louis MO In Business Since: 2014 Description: Markell Estate Planning & Elder Law is a preeminent elder law firm located in Wentzville, Missouri and serving primarily greater St. Charles and St. Louis Counties. Markell Elder Law understands that every client’s situation is unique and gives every client’s issues the same level of dedication and attention that we would expect ourselves. NAELA Member? Yes Other Accreditations: NoMartha C. Brown & Associates, LLC Phone: 314-962-0186 Fax: 314-962-1298 220 West Lockwood, Suite 203, St. Louis, MO 63119 Email: csalozzo@elderlawstlouis.com Website: www.elderlawstlouis.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1998 Description: Serving seniors and persons with disabilities in all areas of elder law including Medicaid/long-term care planning, life care planning, estate and special needs planning, veterans benefits, fiduciary litigation and tort settlement assistance. NAELA Member? Yes Other Accreditations: Member, Special Needs Alliance; Member, Council of Advanced Practitioners (CAP) of NAELA; Member, The Missouri Bar Probate and Trust Committee and numerous other organizationsQuinn Estate & Elder Law LLC Phone: 636-394-7242 Fax: 636-394-8679 14611 Manchester Road, Manchester , MO 63011 Email: deirdre@eldercareadvisors.org Website: www.QuinnEstateLaw.com Worried About Aging & Long Term Care? How will you pay for care without going broke? Can’t qualify for insurance? Don’t want to outlive your money?Are these questions something you are concerned about but don’t know who you can trust to get the right answers?The Beck Elder-Law Firm has been serving St. Charles county, St. Louis county and the surrounding areas with integrity, reliability and dependability for over 39 years. The Beck Elder-Law firm stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:• Pay for the cost of long-term care • Avoid expensive mistakes• Protect your spouse and children • Use IRA funds to pay for care• Protect your home and assets • Apply for “tax free” VA benefits2777 West Clay, St. Charles, MO 63301 www.beckelderlaw.comCall us today at 636-946-7899 for a FREE CONSULTATIONThe choice of an attorney is an important decision and should not be based on advertisement alone.Rudy D. Beck, attorneyRandall J. Levesque, attorneyWorried About Aging & Long Term Care? How will you pay for care without going broke? Can’t qualify for insurance? Don’t want to outlive your money?Are these questions something you are concerned about but don’t know who you can trust to get the right answers?The Beck Elder-Law Firm has been serving St. Charles county, St. Louis county and the surrounding areas with integrity, reliability and dependability for over 39 years. The Beck Elder-Law firm stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:• Pay for the cost of long-term care • Avoid expensive mistakes• Protect your spouse and children • Use IRA funds to pay for care• Protect your home and assets • Apply for “tax free” VA benefits2777 West Clay, St. Charles, MO 63301 www.beckelderlaw.comCall us today at 636-946-7899 for a FREE CONSULTATIONThe choice of an attorney is an important decision and should not be based on advertisement alone.Rudy D. Beck, attorneyRandall J. Levesque, attorneyWorried About Aging & Long Term Care? How will you pay for care without going broke? Can’t qualify for insurance? Don’t want to outlive your money?Are these questions something you are concerned about but don’t know who you can trust to get the right answers?The Beck Elder-Law Firm has been serving St. Charles county, St. Louis county and the surrounding areas with integrity, reliability and dependability for over 39 years. The Beck Elder-Law firm stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:• Pay for the cost of long-term care • Avoid expensive mistakes• Protect your spouse and children • Use IRA funds to pay for care• Protect your home and assets • Apply for “tax free” VA benefits2777 West Clay, St. Charles, MO 63301 www.beckelderlaw.comCall us today at 636-946-7899 for a FREE CONSULTATIONThe choice of an attorney is an important decision and should not be based on advertisement alone.Rudy D. Beck, attorneyRandall J. Levesque, attorneyWorried About Aging & Long Term Care? How will you pay for care without going broke? Can’t qualify for insurance? Don’t want to outlive your money?Are these questions something you are concerned about but don’t know who you can trust to get the right answers?The Beck Elder-Law Firm has been serving St. Charles county, St. Louis county and the surrounding areas with integrity, reliability and dependability for over 39 years. The Beck Elder-Law firm stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:• Pay for the cost of long-term care • Avoid expensive mistakes• Protect your spouse and children • Use IRA funds to pay for care• Protect your home and assets • Apply for “tax free” VA benefits2777 West Clay, St. Charles, MO 63301 www.beckelderlaw.comCall us today at 636-946-7899 for a FREE CONSULTATIONThe choice of an attorney is an important decision and should not be based on advertisement alone.Rudy D. Beck, attorneyRandall J. Levesque, attorneyWorried About Aging & Long Term Care? How will you pay for care without going broke? Can’t qualify for insurance? Don’t want to outlive your money?Are these questions something you are concerned about but don’t know who you can trust to get the right answers?The Beck Elder-Law Firm has been serving St. Charles county, St. Louis county and the surrounding areas with integrity, reliability and dependability for over 39 years. The Beck Elder-Law firm stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:• Pay for the cost of long-term care • Avoid expensive mistakes• Protect your spouse and children • Use IRA funds to pay for care• Protect your home and assets • Apply for “tax free” VA benefits2777 West Clay, St. Charles, MO 63301 www.beckelderlaw.comCall us today at 636-946-7899 for a FREE CONSULTATIONThe choice of an attorney is an important decision and should not be based on advertisement alone.Rudy D. Beck, attorneyRandall J. Levesque, attorneyWorried About Aging & Long Term Care? How will you pay for care without going broke? Can’t qualify for insurance? Don’t want to outlive your money?Are these questions something you are concerned about but don’t know who you can trust to get the right answers?The Beck Elder-Law Firm has been serving St. Charles county, St. Louis county and the surrounding areas with integrity, reliability and dependability for over 39 years. The Beck Elder-Law firm stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:• Pay for the cost of long-term care • Avoid expensive mistakes• Protect your spouse and children • Use IRA funds to pay for care• Protect your home and assets • Apply for “tax free” VA benefits2777 West Clay, St. Charles, MO 63301 www.beckelderlaw.comCall us today at 636-946-7899 for a FREE CONSULTATIONThe choice of an attorney is an important decision and should not be based on advertisement alone.Rudy D. Beck, attorneyRandall J. Levesque, attorneyBeck Estate Planning & Elder Law, LLC has been serving St. Charles County, St. Louis County and the surrounding areas with integrity, reliability and dependability for over 40+ years. Beck Estate Planning & Elder Law, LLC stays on the leading edge of estate planning and elder law through innovative use of technology, continuing legal education, and partnering with elder care organizations. Whatever the estate planning or elder law issue, the firm has a solution. Make an appointment today to learn about all the options you may not be aware of and learn how to do the following:Rudy D. Beck, attorneyElder Law, Estate Planning and Disability Law(314) 991-2602www.dschuster.com1120 Olivette Executive Parkway, St. Louis, MO 63132Compassionate & Personalized Legal Services Elder Law Needs Powers of AttorneyWills & Trusts Asset ProtectionMedicaid Special Needs PlanningGuardianship Life Care PlanningWe have therapy dogs in our o ce to create a calm and welcoming environmentLEGAL, FINANCIAL and ESTATE PLANNING | 2112017 - SENIORS’ RESOURCE GUIDEThe choice of a lawyer is an important decision and should not be based solely upon advertisements.5518 Telegraph Road, Suite 101St. Louis, MO 63129(314) 845-0541www.stlseniorlaw.comWe are located in Oakville Offi ce Center across from Schnucks MarketSouth County Senior Law & Estate Planning Center, LLCconcentrates in the areas of:• Elder Law• Wills and Trusts• Financial and Healthcare Powers of Attorney• Medicaid Planning• VA Benefi ts• Probate• Trust Administration• Guardianships and ConservatorshipsFree Initial Consultation THE CHOICE OF A LAWYER IS IMPORTANT DECISION AND SHOULD NOT BE BASED ON ADVERTISEMENTS ALONE. Vouga Elder Law & Estate Planning 1819 Clarkson Road, Suite 200, Chesterfield, Missouri 63017 www.VougaElderLaw.com ~ 636-394-0009 Have you worked hard for everything you have? Do you want to protect your assets from the rising costs of long-term care? Join us at one of our upcoming, FREE, no-obligation, educational workshops: We can help you find peace of mind at a difficult time! DExplore your or a loved ones, Long Term Care options before it's too late, at a FREE, no-obligation, educational Workshop. Call NOW to reserve your seat, 636-394-0009, or visit us online to learn more! Also, visit www.alzheimersanswers.com/vouga for our “Indispensable Alzheimer’s Resource Kit” Growing Old Without Going Broke: It’s More Than Financial Planning Don’t Go Broke In A Nursing Home Protect Your Aging Parents: What Every Adult Child Must Know! Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1975 Description: Since our founding in 1975, Quinn Estate & Elder Law has been proud to help families achieve their objectives. We listen to our clients’ needs and goals. Then we use cutting edge tools and strategies to provide a customized solution for each client. The options can involve estate planning, long-term care planning, Medicaid planning, veteran’s benefits, asset protection and more. NAELA Member? Yes Other Accreditations: Accredited through the United States Department of Veterans AffairsSauter Law Firm, LLC Phone: 314-279-5086 Fax: 314-279-5186 2607B Bellevue Ave., Maplewood, MO 63143 Email: john@stlwills.com Website: www.sauterlawfirm.com Counties Served: St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2014 Description: Sauter Law Firm provides wills, durable powers of attorney, trusts, and other estate planning needs to residents of the St. Louis Metropolitan Area. NAELA Member? YesSouth County Senior Law & Estate Planning Center, LLC Phone: 314-845-0541 Fax: 314-845-2580 Mavis W. Kennedy, 5518 Telegraph Road, Suite 101, St. Louis, MO 63129 Email: mkennedy@STLseniorlaw.com Website: www.STLseniorlaw.com Counties Served: Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1972 Description: South County Senior Law & Estate Planning Center, LLC concentrates in the areas of elder law, estate planning, probate, Medicaid and VA planning, financial and health care power of attorney, trust administration, and guardianships. NAELA Member? Yes Other Accreditations: Certified Elder Law AttorneyLEGAL, FINANCIAL and ESTATE PLANNING212 |www.stlouistimes.comSt. Louis Area Agency on Aging Phone: 314-612-5918 or 877-612-5918 Fax: 314-612-5915 1520 Market, Room 4086, St. Louis, MO 63103 Email: slaaa@stlouis-mo.gov Website: www.slaaa.org Counties Served: St. Louis City MO In Business Since: 1960 Description: SLAAA provides legal resouces to persons 18-59 with a disability or seniors 60 and older living in the City of St. Louis. NAELA Member? NoThe Elder & Disability Advocacy Firm of Christine A. Alsop, LLC Phone: 314-644-3200 Fax: 314-206-4745 6654 Chippewa Street, St. Louis, MO 63109 Email: Info@AlsopElderLaw.com Website: www.AlsopElderLaw.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2003 Description: We offer a wide-range of solutions for those who are facing crisis and those who wish to avoid crisis through proper planning: Elder law, fiduciary litigation, estate planning, special needs trusts, probate & trust administration, guardianships & conservatorships, Medicaid planning, veterans benefits, government benefits eligibility, asset preservation tactics and long-term care planning. NAELA Member? Yes Other Accreditations: MoBar, BAMSL, NAELA, MATA, ANSP, Elder Law Answers, ElderCounselThe Elder Care Law Practice, LLC Phone: 314-932-5573 Fax: 314-932-5598 7409 Manchester Road, St. Louis, Missouri 63143 Email: info@leavyelderlaw.com Website: leavyelderlaw.com Counties Served: Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Madison IL, St. Clair IL In Business Since: 2014 Description: Elder & Disability Law Firm. Practice areas include estate and asset protection planning, including probate avoidance, retirement planning, wills, powers of attorney, and Medicaid & VA trusts. Long-term care planning and disability planning for government benefits. Special needs trusts drafting & trust administration advice. Probate and trust wind-up cases. NAELA Member? Yes Other Accreditations: Licensed in Missouri & Illinois. VA-accredited.The Next Step Elder Assist Phone: 314-821-9111 Fax: 314-821-7082 2190 S. Mason Rd., Suite 205, St. Louis, MO 63131 Email: maggiereckert@elderassist.com Website: www.elderassist.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1989 Description: Medicaid planning, asset protection and the division of assets. Qualification and application filing for families that includes the Medicaid programs available for home health, assisted living and nursing home care. Review of veterans eligibility, benefits and programs available. Geriatric care management services are available to assist with assessments, placement options. NAELA Member? NoThe Principal Financial Group Phone: 636-449-0729 Fax: 866-488-0903 14755 North Outer 40, Suite 110, Chesterfield, MO 63017 Email: martin.heidi@principal.com Website: www.facebook.com/heidimartinstl Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1879 Description: Financial goals require solutions. The Principal offers a wide range of financial products and services, including retirement, asset management and insurance, through its diverse family of financial services companies. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Contact this office for further information. NAELA Member? No Other Accreditations: Certified Financial Planner PractitionerVouga Elder Law & Estate Planning Phone: 636-394-0009 Fax: 636-394-0012 1819 Clarkson Road, Suite 200, Chesterfield, MO 63017 Email: inforequets@vougaelderlaw.com Website: VougaElderLaw.com Counties Served: St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1975 Description: Vouga Elder Law, located in Chesterfield, Missouri, is devoted to helping, seniors, veterans and those with special needs. We can help you or your loved one with asset protection and preservation, veterans pension benefits, special needs trusts, Medicaid planning, estate planning, revocable and irrevocable trusts, durable powers of attorney, health care powers of attorney, HIPAA’s. NAELA Member? Yes Other Accreditations: 2014 Director of Missouri National Academy of Elder Law, National Academy of Elder Law AttorneyLEGAL, FINANCIAL and ESTATE PLANNING | 2132017 - SENIORS’ RESOURCE GUIDECoulson Elder Law Phone: 618-632-7000 / 314-567-9292 Fax: 618-632-7333 774 Sunset Boulevard, Suite 200, O’Fallon, IL 62269 Email: info@coulsonelderlaw.com Website: www.coulsonelderlaw.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2001 Description: We’re dedicated to assisting the elderly, persons with special needs, veterans, their caregivers and their families. We pride ourselves in our ability to develop individual life care, estate, and asset preservation plans that best address our clients’ needs in a caring and practical way. NAELA Member? Yes Other Accreditations: Certified Elder Law Attorney, VA AccreditedHarter, Larson & Dodd Phone: 618-235-6335 Fax: 618-235-6335 201 S. Jackson Street, Belleville, IL 62220 Email: karen@harterlarsondodd.com Website: www.harterlarsondodd.com Counties Served: Clinton IL, Madison IL, Monroe IL, St. Clair IL In Business Since: 1982 NAELA Member? Yes Other Accreditations: Academy of Special Needs Planners, Elder Law Answers, Elder Counsel, Veterans AdministrationHuffman Law Offices, PC Phone: 618-344-9330 Fax: 618-344-9903 2225 N. Center, Maryville, IL 62062 Email: bkennedy@huffmanlawoffices.com Website: Huffmanlawoffices.com Counties Served: Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1998 Description: Estate Planning & Elder Law Firm NAELA Member? Yes Other Accreditations: IL and MO LicensedKristi Vetri, Attorney at Law Phone: 618-257-8563 Fax: 618-257-8598 5005 West Main Street, Belleville, IL 62226 In Business Since: 1997 NAELA Member? No Other Accreditations: NoLand of Lincoln Legal Assistance Foundation, Inc. Phone: 618-398-0958 Fax: 618-398-4813 8787 State Street, East St. Louis, IL 62203 Email: kfleshren@lollaf.org Website: www.lollaf.org Counties Served: Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1972 Description: Assist persons 60 years or older, regardless of income. However, the project staff target their services to those individuals with the greatest social & economic need. The project staff conducts home interviews for senior clients who are unable to come to the office or senior centers for assistance. NAELA Member? No Other Accreditations: CallILLINOIS LISTINGSLEGAL, FINANCIAL and ESTATE PLANNING214 |www.stlouistimes.com“My dad got shingles, my wife got whooping cough, that’s why I’m getting the vaccines I need.”Every year, thousands of adults in America suffer serious health problems from diseases they could be vaccinated against like shingles, whooping cough, hepatitis A and B, flu, and pneumococcal disease. Some even die.Talk with your healthcare professional about which vaccines are recommended to protect you and your loved ones.Learn more at cdc.gov/vaccines/adults or call 1-800-CDC-INFO (1-800-232-4636).U.S. Department of Health and Human Services Centers for Disease Control and Prevention LEGAL, FINANCIAL and ESTATE PLANNING | 2152017 - SENIORS’ RESOURCE GUIDE What is durable medical equipment? How do you pay for it? How are you supposed to know what your loved one needs? Here are the basics.What Is Durable Medical Equipment? Generally, Medicare defines durable medical equipment as equipment that: • Is prescribed or ordered by a doctor. • Is medically necessary. • Is appropriate for use in the home. • Fills a medical need. (That is, it has to be more than a convenience.) • Is “durable,” meaning reusable. (This requirement would not apply to medical supplies.) • Is not the kind of equipment used by people who aren’t sick or injured. Caregivers often discover too late that certain types of du-rable medical equipment are covered by insurance. If a doctor certifies that your loved one requires a temporary hospital bed or wheel chair, for instance, the cost of the equipment may be a covered expense. What Isn’t Covered By Medicare? In general, Medicare doesn’t cover equipment that fails to meet the above requirements, even if the equipment is useful or even necessary. For example, bathroom grab bars aren’t covered because they aren’t primarily medical in nature; a new air con-ditioner isn’t covered because an air conditioner doesn’t serve a primarily medical purpose; elevators and other lift devices ar-en’t covered because people who aren’t sick or injured still use them. What Is Covered By Medicare? Medicare Part B helps pay for medical equipment and sup-plies used in the home, such as oxygen equipment, wheelchairs, artificial limbs, braces, and hospital beds. If your loved one is in-sured by Medicare, his or her Medicare Handbook will contain more information about what is and isn’t covered. Finding Durable Medical Equipment If a doctor decides that your loved one requires home medical equipment, the doctor can work with a supplier to find the most appropriate items. The doctor should know your loved one’s over-all health condition, his or her specific medical needs, his or her living situation, and how long he or she will need the particular equipment. Your loved one’s doctor also is responsible for provid-ing a complete medical prescription to the equipment supplier. If your loved one is about to be discharged from a hospital, a discharge planner will follow the attending physician’s instruc-tions about your loved one’s need for particular equipment, and the planner may also refer you to one or more equipment sup-pliers. The discharge planner usually will contact the supplier you choose, and the supplier will then contact your loved one’s physician to obtain all the necessary medical information. Af-terwards, the supplier will make arrangements to deliver, set up, and demonstrate the equipment. During this time, it’s important to be aware of Medicare and medical equipment fraud. You should be suspicious of door-to-door equipment salesmen, or suppliers who contact you or your loved one before a discharge planner or doctor talks to you. Sup-pliers have no way of knowing your loved one’s exact medical needs, and a responsible supplier cannot make recommendations until he or she knows your loved one’s complete medical situation. Home Medical EquipmentContinued on page 216MEDICAL EQUIPMENTand SUPPLIESThe longer we live the greater the chance that we’ll need medical assistance. Fortunately for all of us, there are a significant number of health centered organizations, providers and suppliers available to assist us with an ever-expanding array of services and products. The Medical Equipment & Supplies Category includes some aging specific resources that can help.216 |www.stlouistimes.comMEDICAL EQUIPMENT and SUPPLIESContinued from page 215A Reputable and Reliable Supplier• Has roots and a reputable business standing in the community. The business should not have numerous complaints filed with Better Business Bureaus or State Consumer Protection agencies.• Delivers the equipment, sets it up, and makes sure you or your loved one understands how it works. If the equipment is potentially hazardous, the supplier should explain the dangers involved.• Is responsive to inquiries or complaints about the equip-ment or its use. The supplier should ensure the equip-ment is performing up to requirements and that you and your loved one aren’t having problems.• Honors all warranties expressed or implied under state law.• Refers you or your loved one to the appropriate Medicare carrier if you have questions about Medicare.• Provides or arranges for service and maintenance to the equipment and has a 24-hour emergency service number.• Provides equipment that is clean and in good working condition when delivered. If the equipment is supposed to be new, it should not show wear or prior use.• Lets you return equipment that is substandard or unsuit-able for use.• Does not offer to waive Medicare co-payments or de-ductibles, without first determining financial hardship. (See your loved one’s Medicare Handbook for more information.)• Tells you about supplier standards to which it must conform.• Is a member of local or national trade associations or organizations. Paying for Durable Medical Equipment Medicare pays for durable medical equipment in different ways, depending on the item or service (including service calls for repair and maintenance) and whether you buy or rent the equipment. If your loved one has met his or her deductible for the year, Medicare pays 80 percent of the Medicare-approved cost of durable medical equipment—regardless of whether or not the supplier “takes assignment.” Assignment means that the suppli-er agrees to accept the Medicare-approved amount as payment in full. If your loved one obtains equipment from a supplier who does not take assignment, then your loved one is responsible for the difference between what Medicare pays and what the sup-plier charges. If the supplier does take assignment, your loved one is responsible for the 20 percent of the cost that Medicare doesn’t cover. To keep your loved one’s costs to a minimum, find out be-forehand whether the supplier accepts Medicare assignment. In addition, all medical equipment suppliers are required by law to “do the paperwork” and bill Medicare, regardless of whether or not they take assignment. After your loved one has met his or her deductible, he or she is still responsible for paying at least 20 percent of the Medi-care-approved amount for durable medical equipment. This co-payment may not be dropped by the supplier except in very special hardship situations and only on a case-by-case basis. A supplier who routinely drops the co-payment may be violating federal law. You Can Buy or Rent Medical Equipment• Your loved one can rent equipment for up to 15 months.• Medicare pays rental for no more than 15 months. (The supplier will still rent the equipment for as long as your loved one needs it, but Medicare doesn’t pick up the cost.)• Suppliers who have received 10 months of rental pay-ments from Medicare must offer your loved one the option to buy the equipment. If he or she decides to purchase the item, the supplier must transfer title for the item following the 13th rental month. The decision to buy the equipment changes the rental payments to installment payments.• Remember, if your loved one decides to continue renting the equipment, Medicare will stop paying for the equip-ment following the 15th month, except for service and maintenance.Home Medical EquipmentReprinted from National Caregivers Library, © Copyright FamilyCare America, Inc. All Rights Reserved.SRG | 2172017 - SENIORS’ RESOURCE GUIDEMEDICAL EQUIPMENT and SUPPLIESA.N.S.W.E.R.S. (Assisting Needy Seniors With Equipment Recycled by St. Louisians) Phone: 314-913-4142 Fax: Call first P.O. Box 270013, St. Louis, MO 63127 Email: aging@consultant.com Website: stlseniorhelp.org Accept Medicare/Medicaid? No Counties Served: Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2000 Description: We accept medical equipment, supplies and some household items to be given to seniors (usually 65+) in the area, in an effort to help them remain in their own homes and impact their quality of life. In-kind and cash donations are always welcomed and we are always looking for volunteers to help pick up and deliver needed items. In-home safety assessments available.BJC Home Medical Equipment Phone: 314-953-2000 Fax: 314-953-2132 1935 Beltway Drive, St. Louis, MO 63114 Email: cdh1656@bjc.org Website: bjchomecare.org Accept Medicare/Medicaid? Yes Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Madison IL, Monroe IL, St. Clair IL In Business Since: 1953 Description: BJC Home Medical Equipment provides supplies, medical equipment and operating instructions so that patients can achieve greater independence at home. We provide equipment, ranging from wheelchairs to home ventilators, for purchase or lease. We guarantee prompt delivery and comprehensive training on equipment use.Hildebrandt Mobility and Lift Phone: 314-686-9720 12430 Tesson Ferry Rd., Suite 147, St. Louis, MO 63128 Website: Hildebrandtmobility.com Accept Medicare/Medicaid? No Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2009 Description: Hildebrandt Mobility and Lift is committed to helping you overcome obstacles and barriers in the home. Our primary focus is the installation of stair lifts, wheelchair ramps and other home modifications in the greater St. Louis area. We have the experience and knowledge to help you choose an access solution that will help you restore your confidence so you can safely remain in your home.Homepro Corporation Phone: 314-351-5283 Fax: 314-351-8708 P.O. Box 4321, St. Louis, MO 63123 Email: customerservice@stlhomepro.com Website: www.stlhomepro.com Accept Medicare/Medicaid? No Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2001 Description: Keeping your loved ones safe at home. Products & services for seniors, persons with disabilities and rehabilitation and recovery patients. Grab bars, railings, stairlifts, wheelchair ramps, hand held showers, shower seats, extra height toilets, auto door openers, automated lighting controls, and much more. Senior & veterans discounts available. MasterCard, Visa, Discover accepted.MISSOURI LISTINGS218 |www.stlouistimes.comLiving Safe Technologies by Lutheran Senior Services Phone: 314-446-2495 Fax: 314-262-8270 1600 S. Brentwood Blvd., Ste. 300, St. Louis, MO 63144 Email: Kevin.Murphy@LSSLiving.org Website: TheButtonbyLSS.org Accept Medicare/Medicaid? No Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Madison IL, Monroe IL, St. Clair IL Description: Accidents happen. When they do, the quickest way to summon help is to push -- The BUTTON. It’s safety, security and peace of mind for people who live on their own. This personal emergency response system offered by Lutheran Senior Services is the best product on the market, backed by state-of-the-art telecare technology. Call 314.446.2495 or e-mail KMurphy@LSSLiving.org today. Martha’s Hands Home Medical Supplies Phone: 314-965-4350 Fax: 866-220-1633 12813 Flushing Meadows Drive, Suite 250 Town & Country, MO 63131 Email: info@marthashands.com Website: www.marthashands.com Accept Medicare/Medicaid? No Counties Served: St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1997 Description: Martha’s Hands offers medical supplies to clients on a private-pay basis (No Medicare/Medicaid reimbursement available). Supplies we offer include: wheelchair, walker, commode, bath chair, gloves, bed pads, gait belts; supplies and aids geared towards assisting the clients to remain independent in their homes. All supplies delivered to the client’s home. All four major credit cards accepted.Med Resources, Inc. Phone: 636-733-7200 Fax: 636-733-7202 14805 North Outer 40 Rd., Suite 100 Chesterfield, MO 63017 Email: jbraun@medresources.com Website: www.medresources.com Accept Medicare/Medicaid? Yes Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1965 Description: Med Resources has built an excellent reputation for the finest home medical equipment and supplies since 1995. As one of the area’s largest retail suppliers of home health products and services we are proud of our customer service and staff of highly trained professionals.MEDICAL EQUIPMENT and SUPPLIESSENIORS EMPORIUM PLEDGE: Shop with us and 10% of Seniors Emporium profits will be donated annu-ally to the Alzheimer’s Association, the American Heart Association and the American Cancer Society.Providing a Wide Variety of PRODUCTS and INFORMATION to Live Life More Comfortably.CHECK OUT OUR WEBSITE AT:www.seniorsemporium.comWe are here to serve you, our valued customer, as we continue to honor our mission of “DOING SOME GOOD for OLDER ADULTS.”associate❱ Back❱ Bathroom❱ Bedroom❱ Chairs❱ Clothing❱ Daily Living Aids❱ Dressing Aids❱ Driving❱ Exercise & Physical Fitness❱ Games❱ Gifts❱ Health Concerns❱ Kitchen Aids❱ Medical Alert Systems❱ Nutrition❱ Travel❱ Walking Aids❱ Wheelchairs & Accessories | 2192017 - SENIORS’ RESOURCE GUIDEOptions HME, Inc. Stair Lifts Phone: 636-489-0055 167 Lamp & Lantern Village, Suite 109 Chesterfield, MO 63017 Email: customer.service@optionshme.com Website: www.optionshme.com Accept Medicare/Medicaid? Yes Counties Served: St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, St. Clair IL In Business Since: 2007 Description: We give you the option to stay in the home you love. Specializing in the sales, installation, and servicing of stair lifts, porch lifts, and wheelchair lifts. We have over 10 years of experience in serving St. Louis and the surrounding communities. We are a locally owned company. Our installers are experienced employees not sub contractors. We are experts on narrow stairs and stairs with turns.Southern Bus and Mobility Phone: 636-825-0700 Fax: 636-825-0701 80 South Highway Drive, Valley Park, MO 63088 Email: mhuels@southernbusandmobility.com Website: www.southernbusandmobility.com Accept Medicare/Medicaid? No Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison 12950 Koch LaneBreese, IL 62230(877) 526-4131 80 S Highway DriveValley Park, MO 63088(866) 327-1600Sales & ServiceMobility Vehicles & Equipment• Lowered Floor Mini Vans• ATC Truck Conversions• Paratransit Vans• Wheelchair/Scooter Lifts• Specialty Seating• Hand Controls• Adaptive Driving Equip.Accessible VanRentals are available7 days a weekServing Mo & ILwww.southernbusandmobility.comIL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1996 Description: Southern Bus and Mobility keeps people mobile by offering a wide range of mobility solutions designed to meet the specific needs of our customers. Products include: lowered floor wheelchair vans, accessible pickup trucks, wheelchair and scooter vehicle lifts, hand controls, specialty seating, and many other adaptive driving aids. Wheelchair accessible rental vans are available seven days a week.STL Amramp Phone: 314-409-4292 Fax: 636-527-5835 O’Fallon, MO 63366 Email: brian.randolph@amramp.com Website: www.amramp.com Accept Medicare/Medicaid? No Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1995 Description: The Amramp system is a patented, low cost ramp that is ideal for wheelchairs, power scooters, or those who struggle with stairs. Amramp is the only company that allows its customers the option of renting or buying, making these ramp perfect for either short-term or long-term use. We will send a professional to any home for a free evaluation. Installation is quick and easy.MEDICAL EQUIPMENT and SUPPLIES“Be yourself; everyone else is already taken.”- Oscar Wilde“I don’t deserve this award, but I have arthritis and I don’t deserve that either.”- Jack Benny“Tomorrow is often the busiest day of the week.”- Spanish ProverbNext >