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[quote=Anonymous]I am trying to help an 80 year old relative navigate some healthcare options.  
They live in a continuing care facility and currently have Kaiser insurance.  I am unfamiliar with Kaiser, other than knowing the basic model of it being both the insurer and healthcare provider.  I am also relatively new to figuring out how Medicare works in conjunction with supplemental insurance.

It seems Kaiser is harder to navigate for those living in places that contract services through independent companies like continuing care and assisted living, but that may just be because I'm not familiar with it.

It's currently open season for this relative and they could switch to Cigna, which I am much more familiar with and would be similar to what I have , but not with the added Medicare layer.

My relative has always stuck with Kaiser because it seemed "easier", but it seems to me the system is not set up to meet the needs of seniors and she is currently have much more trouble than in the past.

Thoughts on using Kaiser in continuing care or assisted living for home health care services (PT, OT, in home care a few hours a week)?   Or on changing health insurance at this point in someone's care journey?  She has Parkinson's and a recent injury that is limiting mobility, but otherwise is very healthy. [/quote]

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