By Renee Dain, Sr. VP, Communications and External Affairs 

Falling behind on your utility and energy bill can feel overwhelming, but you are not alone. Many people face challenges with utility bills at some point, whether due to unexpected expenses, job loss, or other financial difficulties. The stress of unpaid bills can be challenging, but understanding your options and taking proactive steps can make a big difference. The good news is that there are resources and strategies available to help you manage your energy costs and regain control. This blog will guide you through practical tips and solutions to help you get back on track. 

What are some common utility challenges? 

1. Poor home energy efficiency can lead to higher energy bills and discomfort during extreme weather.
   
   Solution: Addressing this issue through weatherization services, such as adding insulation or sealing air leaks, can significantly reduce your energy costs while making your home more comfortable year-round.
2. Ensuring uninterrupted power for households with medical needs.
   
   Solution: If you or anyone in your home has a serious illness or uses medical equipment, you may be eligible for a Public Service Commission Medical Certification Form. The Medical Certification Form states that the termination of your utility service would aggravate an existing serious illness or would prevent you from using your important medical equipment. This form must be signed by a physician, nurse practitioner, or a physician assistant and then sent to the utility company to have it on file. Having a signed Medical Certification Form on file with the utility has several benefits. The key is that the utility must know about the medical illness before any service termination. Learn more about the Medical Certification Form here.
3. Billing errors can lead to unexpected costs and financial stress.
   
   Solution: Review your bill carefully and contact customer service to address any discrepancies.
4. Utility issues that remain unresolved can leave you feeling frustrated and powerless.
   
   Solution: Learn how to file a formal complaint with the utility company or a regulatory agency to seek resolution. 

What should I do if I’m behind on my utility bill and need help managing it?
Call your utility company and be sure to write down the name of the person you talked to, the date, and the time to maintain a record of the conversation.  

• Find out how much you owe: If you are behind on your utility bill, it might feel scary to call, but it is the best first step. Call your utility company, explain your situation, and ask how much you owe. Make sure the amount sounds correct, so you know what you are dealing with. 
• Ask about financial help: While talking to the utility company, ask if they have programs to help people pay their bills.
• If you have a turn-off notice: If you have been told your service might be turned off, ask if you can get more time to pay. They might not say yes, but it is worth asking. 
• Tell them about medical issues: If someone in your home is very sick or uses medical equipment that needs power, tell the utility company. There are special rules to protect families in these situations. Learn more about the Medical Certification Form here. 
• Set up a payment plan: You can ask the utility company to let you pay off your bill in smaller amounts over time. Be ready to explain why you are behind and how you plan to catch up. They might ask for a down payment. Write down the name of the person you talked to, the date, and the time. 
• Use online tools: Many utility companies let you do things online, like checking your bill, setting up a payment plan, or asking for more time to pay. Look at their website to see what’s available. 
• Pay what you can: Even if you cannot pay the whole bill, try to pay something every month. It shows you are making an effort. 

Are there financial resources to help pay a utility bill?
Yes! If you are struggling to pay your utility bill there is help available. You may consider applying for financial assistance from Office of Home Energy Programs (OHEP), the Fuel Fund of Maryland or contact 211MD for additional resources. If you have a care coordinator (i.e., Supports Planner, Coordinator of Community Service, Clinical Care Coordinator), contact them for assistance in accessing resources. 

• OHEP: OHEP is a state-run program that helps income-eligible households pay their energy and fuel bills. You do not need a turn-off notice to apply. When you fill out the OHEP application you are applying for four grants and for free weatherization for your home to help lower your monthly costs. 
  • There are several ways to apply to OHEP.  
    • 1) Apply online to energy assistance.  
    • 2) Drop off or mail your completed application with all documents to your local OHEP office. Find the address to your local OHEP office here. For a fillable application, click here.  
    • 3) Email your completed application with all documents to your local OHEP office. Find the email address to your local OHEP office here. For an fillable application, click here. 
    • Check the status of your application at www.myohepstatus.org.   

• Fuel Fund: For those who need help with their energy bills and have already used OHEP or are over income for OHEP, Fuel Fund may be another option. The Fuel Fund of Maryland assists eligible BGE customers with paying their utility bills. 
  • For more information about the Fuel Fund or to apply for help, visit the Fuel Fund’s website to fill out an application or call 410-235-9080 for assistance.
    • 211: 211MD is a 24/7/365 helpline that provides information and referrals to other financial assistance resources in your area. You can contact them in three ways: 
      • Dial 2-1-1 or 800-685-0185
      • Search for resources online at www.211md.org
      • Email them at info@211md.org 

Don’t let a missed payment spiral into a bigger problem. Use these tips to take the first step toward managing your energy bills with confidence. 

For more in-depth information and support, join our upcoming Community Enrichment Series Webinar on Tuesday, February 18th at Noon – 1:00 p.m., where we will dive deeper into Overcoming Utility Challenges with Brandi Nieland, Director of Consumer Assistance, from the Maryland Office of People’s Counsel. Learn more about the:  

• Office of Home Energy Programs and Fuel Fund;  
• Weatherization services; 
• Medical Certification Form; and, 
• Common issues like meter access, overcharging, and filing a complaint. 

Register HERE.

 

By: Renee Dain, Sr. VP, Communications and External Affairs

As parents, caregivers, or loved ones of an adult with specific healthcare needs, the path we walk is often filled with challenges, joys, and, most importantly, the desire to ensure the individual has a fulfilling life. Advocacy plays a crucial role in ensuring that one’s healthcare needs are met and that they have access to the services and support they deserve. This blog will explore the importance of advocacy and self-advocacy and how advocacy can support your loved one in developing a vision for the future.

What is advocacy and why is it important?

Advocacy means speaking up for your loved one, ensuring that their voice is heard, and that their preferences and values are respected in the decisions regarding their health and wellbeing. As an advocate, you can bridge the gap between medical professionals, community services, and your loved one’s needs. This often involves:

• Coordinating healthcare providers to ensure they are offering comprehensive care.
• Ensuring they receive the best care possible within their capabilities and desires.
• Navigating legal, financial, and insurance systems to make sure they have access to services.
• Fostering independence where possible, while ensuring safety and well-being.

The role of an advocate is a delicate balance of understanding your loved one’s needs, fighting for their rights, and being a source of support. Advocacy is also about long-term planning and preparation for life’s uncertainties, especially as the individual’s needs evolve over time.

What is self-advocacy, and can it be taught?

While advocating on behalf of your adult child or loved one is essential, one of the most empowering gifts you can give them is the ability to advocate for themselves. Teaching self-advocacy not only fosters independence but also builds confidence, giving them a sense of control over their own healthcare decisions and life choices. Self-advocacy can be taught. The process may require patience, practice, and the right support systems. The earlier you begin teaching self-advocacy, the more natural it will become. Even in childhood, allow your child to make small decisions for themselves, such as what they want to wear, what activities they want to participate in, or what foods they prefer. As they grow older, it encourages them to express their preferences in a variety of settings—at school, in medical appointments, and within the family.

• Other important steps include:
• Encouraging Open Communication
• Fostering Decision-Making Skills
• Teaching Understanding of One’s Rights
• Helping Build Confidence
• Providing Opportunities for Self-Advocacy
• Celebrating Autonomy

Children and young adults often learn by example, so be sure to model effective advocacy yourself. Demonstrate how to interact with healthcare providers, speak up in meetings, and make decisions confidently. Show them how you handle challenges, whether in dealing with insurance companies or advocating for better accommodations at work or school. Your approach to advocacy will set a powerful example and teach your loved one how to handle similar situations in their own life.

What does advocacy have to do with developing a vision for your loved one’s future?

One of the most important aspects of advocacy is developing a vision for your adult child or loved one’s future. While you might have strong ideas about what you want for them, it’s crucial to also understand their hopes, dreams, and goals. Developing a vision for their future means considering:

1. Quality of Life:

What does a fulfilling life look like for your loved one? This could include employment opportunities, living arrangements, relationships, and social activities. Is independent living an option, or will they need a group setting or caregiver support? Having a clear picture of their potential future, both in the short and long term, will guide your advocacy efforts and decisions.

2. Health and Wellness Goals:

A vision for the future should also include physical and mental health considerations. What are the long-term goals for their healthcare, including managing chronic conditions or improving skills like communication, mobility, or self-care? Work with healthcare professionals to set realistic, measurable health goals that are in line with your loved one’s abilities and needs.

3. Autonomy and Independence:

Every individual deserves the opportunity to live as independently as possible. Your vision for their future should include efforts to promote their autonomy—whether it’s through job training, financial independence, or learning daily living skills. Advocacy often involves negotiating with support agencies to create pathways for growth, even when the person has significant needs.

4. Legal and Financial Planning:

As your loved one grows older, legal and financial planning becomes crucial. Consider guardianship options, power of attorney, and trusts that can secure their financial future. These plans not only protect your loved one but also ensure that they receive the proper healthcare and services once you are no longer able to act on their behalf.

Conclusion 

Understanding how to navigate the advocacy path can be challenging. We are here to help. For more in-depth information and support, join our upcoming Community Enrichment Series Webinar on Wednesday, December 11th at Noon – 1:00 p.m., where we’ll dive deeper into Navigating the Advocacy Path: Supporting an Adult with Specific Healthcare Needs. Fay Alexander, MHR, CCHW, Operations, Compliance, and Contracts Coordinator for The Coordinating Center will talk about the importance of advocacy, developing a vision for your adult child or loved one’s future, identifying your adult child or loved one’s priorities for themselves and explore resources and tools. Click HERE to register for the December Webinar.

By: Renee Dain, Sr. VP, Communications and External Affairs 

Navigating Medicaid can be quite challenging due to its complexity. There are various programs, each with unique eligibility criteria and benefits, which can lead to confusion. Additionally, policies and regulations frequently change, making it difficult to stay updated on what options are available and what you qualify for. The application process can also be lengthy and complicated, often requiring extensive documentation and detailed information. This is where a case manager can be invaluable; they can guide you through the process, help you understand your options, and ensure you have the necessary support to access the benefits you need. 

 Here are some common questions answered to help you understand how to access these essential programs. 

1. What is Medicaid, and how does it help?

• Medicaid is a joint federal and state program that provides healthcare coverage to low-income individuals and families. It covers a wide range of services, including doctor visits, hospital stays, long-term care, and preventive care. 
• To learn more about eligibility and to apply, click HERE.  

 2. Can I be on multiple Medicaid programs? 

• Yes! You can be enrolled in more than one Medicaid program at the same time.
• This means you can receive benefits from various programs that may cater to different needs. 
• For example:
  • Medicaid State Plan/Managed Care Organization (MCO) and a Waiver Program: You might be enrolled in your state’s Medicaid plan, which covers basic healthcare services, while also participating in a Home and Community-Based Services (HCBS) waiver that provides additional support like personal care assistance and respite services. 
  • Rare and Expensive Case Management (REM) and a Waiver Program: Since REM is part of HealthChoice, which is Medicaid’s Managed Care Program, you may receive your state plan services in REM and participate in a HCBS Waiver, except Model Waiver.
  • Dual Eligibility: If you qualify for both Medicaid and Medicare, you can access benefits from both programs. Medicare may cover hospital and medical services, while Medicaid can help with costs like co-payments, deductibles, and long-term care. 

3. What about Medicaid Waivers?

• You can only be on one Medicaid Waiver at a time. 
• Waivers offer additional services that are not typically covered by standard Medicaid, such as personal care or special equipment. 
• The State of Maryland has multiple waivers: 
  • Waiver for Individuals with Brain Injury: The program, administered by Behavioral Health Administration (BHA), provides opportunities for community-based services to individuals who have experienced a traumatic brain injury after the age of 17. Brain Injury Waiver Fact Sheet. 
  • Community Options Waiver: Maryland’s Home and Community-Based Options Waiver provides community services and supports to enable older adults and people with physical disabilities to live in their own homes. 
  • Community Pathways: The Community Pathways waiver, administered by the Developmental Disabilities Administration (DDA), provides services and supports to individuals, of any age, living in the community, who meet the criteria for a developmental disability. 
  • Community Supports Waiver:  The Community Supports program, administered by the Developmental Disabilities Administration (DDA), will provide individual and family supports for people with developmental disabilities on the DDA Waiting List. 
  • Family Supports Waiver: The Family Supports program, administered by the Developmental Disabilities Administration (DDA), will provide individual and family supports for children birth to 21 with developmental disabilities on the DDA Waiting List. 
  • Medical Day Care Waiver: Medical Day Care is a structured group program that provides health, social, and related support services to functionally disabled adults, age 16 and older. Medical Day Care Waiver Fact Sheet. 
  • Model Waiver for Children with Disabilities: This waiver targets medically fragile individuals including technology dependent individuals who, before the age of 22, would otherwise be hospitalized and are certified as needing hospital or nursing home level of care.
  • Waiver for Children with Autism Spectrum Disorder: Administered by Maryland State Department of Education (MSDE). Autism Waiver Fact Sheet. 

Conclusion 

Understanding how to access and utilize Medicaid programs is crucial for individuals with disabilities and their caregivers. For more in-depth information and support, join our upcoming Community Enrichment Series Webinar on Tuesday, November 19th at Noon – 1:00 p.m., where we’ll dive deeper into Eligibility Insights: Accessing Multiple Medicaid Programs. Sharyn King, BSN, RN, CCM, Senior Vice President, Population Health will provide an overview where you can learn the differences in the various Medicaid programs, understand when you can and cannot be in more than one Medicaid program, and gain insight into the possible advantages and disadvantages of being a participant in more than one Medicaid program. Click HERE to register for the November Webinar. 

By: Dianne Edwards-Barnes, DEI&B Coordinator and Renee Dain, Sr. VP, Communications and External Affairs 

In healthcare, especially for individuals living with special health care needs or disabilities, it’s essential to have strong, trusting relationships with your case manager (e.g., Clinical Care Coordinator, Supports Planner, Service Coordinator, Coordinator of Community Service). One way to build and improve this relationship is by understanding and applying principles of Diversity, Equity, Inclusion, and Belonging (DEI&B).  

What is DEI&B?
Diversity refers to the differences between us, such as race, gender, disability, and more. 
Equity ensures that everyone has fair access to resources and opportunities, including those specific to your healthcare needs. 
Inclusion means making sure everyone feels welcomed and valued, regardless of their background. 
Belonging goes beyond just being included – it’s about feeling accepted and understood in a space where your unique experiences are acknowledged. 

Why DEI&B Matters in Healthcare
DEI&B isn’t just a buzzword. It’s a framework that can improve your experiences with healthcare providers and case managers and care coordinators. Here are some of the benefits of understanding DEI&B as a consumer in healthcare: 

• Tailored Support: Understanding DEI&B can help you communicate better with your case manager. Your unique health needs and personal background are considered, leading to care that fits you, not just the average patient. 
• Stronger Relationships: When both you and your case manager embrace DEI&B, you’re more likely to feel seen and heard. This can strengthen the trust between you and lead to better collaboration in managing your care. 
• Advocacy and Empowerment: Knowing your rights when it comes to diversity, equity, and inclusion means you can advocate for yourself more effectively. It ensures that you have a say in your care plan and that your needs are always at the forefront. 

How DEI&B Can Improve Your Relationship with Your Case Manager
You might be wondering: How does DEI&B affect the relationship between you and your case manager? Let’s explore some common questions: 

Q: How can understanding DEI&B help me communicate better with my case manager?
A: By recognizing the importance of diversity and equity, you’ll feel more comfortable sharing details about your background, culture, or other factors that might impact your health. Your case manager will also be more equipped to tailor their approach to your needs. 

Q: What should I do if I feel that my case manager isn’t considering my unique needs?
A: Start by having an open conversation. Explain how your health needs intersect with your life experiences and ask them to work with you on a more personalized plan. Remember, DEI&B means that your voice is vital in this process. 

Q: How can I help create a sense of belonging in my healthcare environment?
A: You can foster belonging by advocating for inclusivity in your care. This might include requesting accommodations or sharing feedback with your care team about what makes you feel valued and respected. 

Call to Action: Speak Up for Yourself and Others
Your voice matters. By understanding and embracing DEI&B principles, you can build stronger, more effective relationships with your case manager and healthcare team. Don’t be afraid to speak up about what you need to feel included and supported – whether it’s specific accommodations, cultural considerations, or just being listened to more carefully. Remember, you deserve care that recognizes you for who you are. 

If you’re ready to take the next step in advocating for yourself or a loved one, start by having an honest conversation with your case manager today. 

Learn More
In our upcoming Community Enrichment Series on Strengthening Connections and Communication with Your Case Manager, Dianne Edwards-Barnes, DEI&B Coordinator  will present more information DEI&B. We hope to see you on Tuesday, October 15th at Noon – 1:00 p.m. To register click HERE.

By Renee Dain, Sr. VP, Communications and External Affairs

Starting a new school year can be tough, especially for kids who struggle with focus, organization, and learning. But parents, don’t worry! Here are some simple, practical tips to help your child thrive this school year.

1. Establish a Routine

Why it helps: Kids with executive function issues often struggle with time management. A consistent routine can make a big difference.

What to do: Create a morning and evening schedule that’s easy to follow. Include homework time, breaks, and a bedtime routine. Use visual aids like charts or timers to keep things on track.

Q: How can I help my child stay organized throughout the day?

A: Start small. Break down tasks into manageable steps. For example, create a checklist for what needs to go into their backpack each day. You can even color-code folders and notebooks for different subjects to make them easier to find.

2. Break Tasks into Chunks

Why it helps: Big tasks can feel overwhelming for kids with attention and executive function challenges.

What to do: Break homework or chores into smaller pieces. Instead of saying, “Clean your room,” ask them to “Pick up all the books first,” then move on to the next task.

Q: My child loses focus during homework. How can I help?

A: Try using a timer for short bursts of work followed by a break. For example, have them work for 20 minutes, then take a 5-minute break. This technique, known as the Pomodoro method, can help kids stay on task without feeling overwhelmed.

3. Foster Self-Advocacy

Why it helps: As your child grows, they’ll need to advocate for themselves, especially in school settings.
What to do: Teach your child how to ask for help. Practice phrases like “Can you explain that again?” or “I didn’t understand the homework.” Encouraging open communication with teachers can build their confidence and help them get the support they need.

Q: What if my child feels embarrassed about asking for help?

A: Share a story about someone (even yourself!) who asked for help and how it made things easier. Remind them that everyone needs help sometimes, and it’s a sign of strength, not weakness.

4. Individualized Education Program (IEP) Meeting

If your child needs an IEP or the current IEP does not appear to be meeting your child’s needs in the new school year, make sure to schedule it as soon as possible. This is especially important for children transitioning from one school to another as it will alleviate gaps in school-based services/supports.

Conclusion:
These tips can make a big difference for kids with learning challenges. Remember, small changes can have a big impact. Be patient and celebrate the wins—no matter how small!

For additional resources check out:

1. Public School Resources:
   Maryland public schools offer specialized services and support through Individualized Education Programs (IEPs) and 504 Plans for students with executive function deficits, ADHD, and learning disabilities. Contact your school or the Maryland State Department of Education (MSDE) for more information. Website: MSDE

2. Private Clinics and Specialists: Many private clinics in Maryland specialize in treating children with ADHD, executive function deficits, and learning challenges.

   Kennedy Krieger Institute (Baltimore): A renowned facility for children with developmental and learning challenges. They offer a variety of diagnostic and treatment services, including executive function support, ADHD treatment, and learning assessments. Website: Kennedy Krieger Institute

   The Neuropsychology Clinic at Johns Hopkins: Offers assessments and therapy for children with attention, learning, and executive function difficulties. Website: Johns Hopkins Center for Behavioral Health

   The Chesapeake ADHD Center (Silver Spring and Annapolis): Specializes in ADHD and executive function coaching for children, teens, and adults. They provide comprehensive evaluations and therapeutic support. Website: Chesapeake Center

3. Parent Advocacy and Support Groups: Maryland offers various organizations where parents can seek guidance, advocacy, and peer support.

   Parents’ Place of Maryland: A nonprofit organization that provides parents with resources, support, and information for children with disabilities and special health care needs. Website: Parents’ Place of Maryland

   CHADD (Children and Adults with Attention-Deficit/Hyperactivity Disorder) – Maryland Chapters: Provides information, support and advocacy for children and adults living with ADHD. Website: CHADD Maryland

   Pathfinders for Autism: Pathfinders for Autism works to support and improve the lives of individuals with autism through expansive, customized programming, and by providing resources, training, information and activities free of charge. Website: Pathfinders for Autism

   The Arc Maryland: Nonprofit dedicated to the rights and quality of life of persons living with intellectual and developmental disabilities and their families. They provide public policy, advocacy, public awareness, and training and membership support. Website: The Arc Maryland

4. Online Resources: Several national organizations have Maryland-specific resources or chapters to provide help.

   LDOnline: A resource for learning disabilities and ADHD, providing articles, tips, and guidance for both parents and educators. Website: LDOnline Maryland

   Understood.org: A popular online resource for parents of children with ADHD, learning disabilities, and executive functioning challenges. Website: Understood

By: Heidi Falter, Digital and Creative Marketing Specialist and Renée Dain, SVP, Strategic Partnerships and External Affairs

In today’s rapidly advancing digital age, access to Assistive Technology (AT) resources has become more crucial than ever. Assistive Technology can bridge gaps and open doors to opportunities that may otherwise be out of reach. From screen readers and speech recognition software to adaptive keyboards and mobility aids, assistive technology empowers users to overcome barriers, participate fully in education and the workforce, and lead more independent lives. The importance of these resources extends beyond personal benefits, fostering inclusivity and diversity within our communities, and ensuring that everyone has a fair chance to thrive in an increasingly tech-driven world.

The Maryland Assistive Technology Program (MDTAP), a program within The Maryland Department of Disabilities (MDOD), supports Marylanders with disabilities in learning about and accessing AT. Established with a mission to enhance independence and quality of life through technology, MDTAP serves as a vital resource hub, offering a diverse range of assistive devices and services tailored to meet the unique needs of the community.

Whether empowering students in their educational journey, supporting adults in the workforce, or aiding seniors in daily living, MDTAP shows a commitment to inclusivity and empowerment through technological solutions.

We recently sat down with Nora Walker, CRS A/D, AT & Public Health Coordinator for the Maryland Assistive Technology Program to learn more about MDTAP.

What services and assistive technology resources does MDTAP offer?
MDTAP provides Marylanders with a wide range of services, including:

• Consultations, Demos, Loans
• High-Tech AT Reuse Center
• Facebook AT Exchange Site
• IT Accessibility Initiative
• AT Loan Program
• Portable Ramp Program
• 3D Printing Lab

How can an individual or family member borrow Assistive Technology from MDTAP?
MDTAP has nine libraries throughout the state of Maryland.

Much like the public library for books, MDTAP is the public library for assistive technology. Assistive Technology can be borrowed, free of charge, for up to four (4) weeks at a time. You are welcome to meet in person to pick up devices, or items can be shipped directly to you, with MDTAP providing preliminary support virtually.

What type of financial assistance does MDTAP offer?
The Assistive Technology Loan Program helps Maryland residents living with disabilities and their families qualify for low-interest loans to finance equipment and environmental modifications that will help them live, work, and learn more independently. Anyone who intends to use a loan to buy assistive technology for a Maryland resident with a disability can apply. That includes people with disabilities, family members, and friends. Learn more HERE.

Learn More
In our upcoming Community Enrichment Series on Assistive Technology (AT) Resources in Maryland, Nora Walker, CRS A/D, Maryland Assistive Technology Program will present more information MD TAP and Assistive Technology. She will also provide an overview of the resources available and how to access them. We hope to see you on Tuesday, August 20th at Noon – 1:00 p.m. To register click HERE.

Nora Walker, CRS A/D is the AT & Public Health Coordinator for the Maryland Assistive Technology Program, where she serves as their Community Resource Specialist, runs their 3D Printing program, coordinates communications and outreach, develops and implements training and more. She has worked in service to people with disabilities since the age of 18, when she got her start as a Direct Support Professional.

By: Renée Dain, SVP, Strategic Partnerships and External Affairs 

Millersville, Maryland—The Coordinating Center, Maryland’s statewide, premier nonprofit care coordination organization for children and adults with disabilities and complex needs, is excited to announce that The Coordinating Center has been selected as a winner for the Industry-Non-Profit award for the national Top Workplace Program!  

Celebrating Employees as Our Most Valuable Asset 

“We are thrilled to receive this esteemed award, which is a testament to our ongoing efforts to cultivate a workplace where our coworkers thrive,” said James Karpook, Chair of the Board, The Coordinating Center.  

“Our coworkers are our greatest asset. We believe that by prioritizing their happiness and professional development, we not only enhance our workplace culture but also drive our mission forward,” said, Dr. Teresa Titus-Howard, President and CEO, The Coordinating Center. 

Award-Winning Benefits That Put Employees First 

The Coordinating Center is passionate about embedding Diversity, Equity, Inclusion and Belonging (DEI&B) into everything they do, including their compensation and benefits package. In 2022, The Coordinating Center was awarded “Mogul’s Top 100 Companies with Inclusive Benefits,” a distinction that sets The Coordinating Center apart from others within the industry. 

The Coordinating Center has implemented various initiatives to support its coworker-centered approach, including comprehensive services to support employee wellbeing, career development opportunities, and a collaborative work environment that encourages innovation and creativity. These efforts have contributed to high employee satisfaction levels and a strong sense of community within the organization. 

Keeping Coworkers at The Center of Success 

The Top Workplace Award reaffirms The Coordinating Center’s position as a leader in employee satisfaction and organizational excellence. By placing employees at the center of its success, The Coordinating Center continues to set the standard for workplace culture and employee engagement in the nonprofit industry. 

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Founded in 1983 and headquartered in Millersville, Maryland, The Coordinating Center is a nonprofit organization that provides care coordination for individuals with complex medical needs and disabilities and their families.  

At The Coordinating Center we aim to dismantle inequalities within our policies, systems, programs and services by embracing Diversity, Equity, Inclusion and Belonging (DEI&B) and leading with respect, acceptance and compassion. It’s what makes us exceptional in achieving our mission and drives us to deliver culturally competent and effective care coordination services. We believe we are stronger together. 

Visit www.coordinatingcenter.org for more information. 

 

By: Renée Dain, SVP, Strategic Partnerships and External Affairs 

Medicaid, also known as Medical Assistance, is a critical program in the United States that was created in 1965 to provide healthcare coverage to millions of low-income individuals and families, including children, parents, pregnant women, seniors, and people with disabilities. Medicaid is funded through a partnership between the federal government and individual states. While each state operates its own Medicaid program, they must adhere to federal guidelines. These guidelines are intentionally broad, allowing states significant flexibility in how they design and manage their programs. Consequently, Medicaid eligibility and benefits can differ considerably from one state to another. 

Understanding the eligibility requirements, application process, and various programs associated with Medicaid is essential for those seeking assistance. This blog delves into the most common situations that make someone eligible for Medicaid, the differences between SSI, SSDI, Medicaid, and Medicare, and key programs such as HealthChoice, Managed Care Organizations (MCO), EPSDT, and Waiver Programs. 

What’s the difference between SSI vs. SSDI and Medicaid vs. Medicare? 

SSI (Supplemental Security Income), is a federal program that provides financial assistance to individuals who are elderly, blind, or disabled and have limited income and resources. SSI recipients are often automatically eligible for Medicaid. Click HERE to learn more about eligibility and to apply.  

SSDI (Social Security Disability Insurance), SSDI is also a federal program, however it provides benefits to individuals who have worked and paid Social Security taxes but are now disabled and unable to work. Unlike SSI, SSDI recipients are eligible for Medicare after a 24-month waiting period, though some may also qualify for Medicaid based on income and resources. Click HERE to learn more about eligibility and to apply. 

Medicaid is a joint federal and state program that provides healthcare coverage to low-income individuals and families. It covers a wide range of services, including doctor visits, hospital stays, long-term care, and preventive care. To learn more about eligibility and to apply, click HERE. 

Medicare is a federal health insurance program primarily for individuals aged 65 and older and for some younger people with disabilities. It consists of different parts that cover hospital care (Part A), medical services (Part B), and prescription drugs (Part D). Unlike Medicaid, Medicare is not based on income. Click HERE to learn more about Navigating the Transition between Medicaid and Medicare in our June 2024 Blog. You can also click HERE to sign up for Medicare. 

What is HealthChoice and Managed Care Organizations (MCO)? 

Managed Care Organizations (MCO) are private insurance companies that contract with state Medicaid programs to provide healthcare services to enrollees. MCOs manage and coordinate care to ensure that beneficiaries receive appropriate and timely medical services.  

HealthChoice is Maryland’s Medicaid Managed Care Program, which provides Medicaid enrollees with health care services through MCOs. It aims to offer comprehensive care and improve health outcomes by coordinating services.  

In Maryland’s HealthChoice program, health care services are provided through managed health care organizations, called MCOs. Use the chart to help pick your MCO. If you do not pick an MCO within 28 days, you will be automatically assigned to one. Ask your doctors which MCOs they accept, or use the MCO provider search tool. 

What is EPSDT? 

Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) is a mandatory Medicaid service for children and adolescents under age 21. It ensures that children receive regular health check-ups, immunizations, and necessary medical treatments. The goal of EPSDT is to detect and treat health issues early, preventing more serious conditions later in life. While the intention of EPSDT is to provide prevention and detection of health issues, the benefits to Medicaid recipients under the age of 21 years includes possible eligibility of many services such as Physical Therapy, Dental, Vision, and Private Duty Nursing that are not available to adult Medicaid recipients without being enrolled in special programs. 

Learn More 

In our upcoming Community Enrichment Series on Medicaid 101, Sharyn King, Senior Vice President, Population Health at The Coordinating Center will present more information about these terms. She will also provide an overview of what a Medicaid Waiver is and the various Medicaid Waivers and Programs that The Coordinating Center is a provider of case management services for. We hope to see you on Tuesday, July 16th at Noon – 1:00 p.m. To register click HERE. 

Sharyn King, RN, BSN, CCM, Senior Vice President, Population Health, is a registered nurse with extensive leadership experience in Case Management services. Ms. King’s experience includes over 31 years’ experience in community Case Management. Ms. King is a member of the Maryland Department of Health’s Child Fatality Review Team, appointed by the Governor. 

By: Renée Dain, SVP, Strategic Partnerships and External Affairs

The words “Medicaid” and “Medicare” are so much alike that it’s easy to get them confused. Navigating the complexities of Medicaid and Medicare can seem daunting, but understanding its different parts and how they work can help you maximize your benefits and make informed decisions about your healthcare.

Both are distinct government programs designed to assist individuals with their healthcare costs. Medicaid is a joint federal and state program that helps pay health care costs for individuals and families with limited income and resources. Medicare is a federal health insurance for people 65 or older. You may also be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). There are four parts to Medicare: Part A: Hospital Insurance, which covers inpatient/hospital coverage, Part B: Medical Insurance, outpatient/medical coverage, Part C: Medicare Advantage, which offers an alternative way to receive Medicare benefits, and Part D: Prescription Drug Coverage.

Some people can have both Medicaid and Medicare, and these benefits can work together to cover most of your health care costs. If you qualify for both, you are considered “Dual Eligible.” Individuals who are dual eligible can often qualify for special kinds of Medicare plans. One such example is a Dual Special Needs Plan (D-SNP), a Medicare Advantage plan designed to provide special coverage for people who are enrolled in both Medicare and Medicaid. These plans help people with the highest needs cover out-of-pocket costs they may otherwise be responsible for under traditional Medicare programs.

How do you enroll?
Medicaid does not have specific enrollment periods. You can apply for Medicaid at any time of the year. If you qualify, your coverage can start immediately, retroactively, or on the first day of the month you apply. Eligibility for Medicaid can also change throughout the year, so if your circumstances change (like income or family size), you can apply or reapply as needed. Learn more HERE.

You are automatically eligible for Medicare at the age of 65. However, if you are under 65, you might qualify due to a disability or specific condition. The initial enrollment period starts three months before your 65th birthday and ends three months after that birthday month. It’s important to enroll during your initial enrollment period to avoid any late enrollment penalties. If you’re still working and have health insurance through your employer, you might choose to delay Part B without penalty. Make sure to speak to your HR department before making any decisions.

The following are the only times someone can enroll in Medicare:

1. Initial Enrollment: when you first turn 65 or transition onto Medicare from SSDI.
2. Annual Enrollment: every year from January 1 – March 31. Beneficiaries can sign up for Part A and/or B and Part D if needed and can also get an Advantage Plan (Part C) at this time as well.
3. Special Enrolment: specific to each person based on life circumstances like retirement, lose insurance under no fault of their own or move

Learn more HERE.

What do Social Security benefits have to do with getting Medicare?
If you’re under 65 and getting disability benefits from Social Security, you automatically get Medicare after getting disability benefits for 24-months or when you turn 65 – whichever comes first.

Before you turn 65 (at least four months before) if you apply to start getting retirement benefits from Social Security (or the Railroad Retirement Board), you’ll automatically get Part A (Hospital Insurance) and Part B (Medical Insurance) when you turn 65. You’ll still need to make important decisions about how you get your coverage, including adding drug coverage.

If you want to get Medicare when you turn 65, but aren’t planning to take retirement benefits at that time, you’ll need to sign up for Medicare. After you turn 65 you need to contact Social Security when you are ready to sign up for Medicare. Depending on your work situation and if you have health coverage through your employer, you may want to wait to sign up for Medicare. Learn more HERE.

What is SHIP and what assistance do they provide?
SHIP is your local State Health Insurance Assistance program. They provide free, unbiased help to Medicare-eligible beneficiaries, their families, and caregivers. SHIP provides assistance with plan comparison and enrollment, understanding coverage and costs, Medicare Supplement Plans (Medigap), eligibility and enrollment for financial assistance programs, preventive services, billing issues and appeals, health care fraud and marketing violations and referral to other resources. Click HERE to learn more.

Join Andrea Pomilla, Wellness and Health Benefits Manager, Department of Housing and Community Services, Office on Aging, on June 18, 2024, at Noon, for a special webinar on Navigating the Transition from Medicaid to Medicare. Click HERE to register to attend. This webinar is part of The Coordinating Center’s new Community Enrichment Series – engaging workshops supporting individuals and families to achieve their aspirations for a meaningful life!