Navigating your role as a family caregiver
It’s not always something you plan for; rather, it’s something you step into when it's necessary. And, taking on the role of a caregiver is no small task. When a loved one needs advanced levels of care, it’s something you may need help navigating.
More than 38.2 million Americans provide unpaid care for aging loved ones. Roughly one in four adults is a caregiver, and 25 percent of those care for more than one person.
While caregiving can be rewarding, it can also carry emotional and physical stress. Today’s caregivers report they are in worse health, physically and emotionally, compared to five years ago. They’re battling emotions like sadness, fear, resentment and isolation. They’re worried about their loved one’s future, they may feel guilt for not doing enough, and they’re exhausted from balancing various roles.
Get 24/7 support with BeWell 24/7®
Being a caregiver can be overwhelming, but you’re not alone. Wellmark members have access to BeWell 24/7, a free service that can answer your medical questions, check symptoms and guide you or your loved one to the right care anytime — day or night.
Get prepared before the situation becomes a crisis
The good news is that there are things you can do to ease into the role of caregiving. But, it requires some prep work.
“Our advice is not to wait until you are in crisis mode to get the care your family member needs," says Di Findley, founder of Iowa Caregivers, an advocacy group for professional direct care workers. "Sadly, that's what most of us do."
Findley adds, "When someone needs care, their ability to make decisions on their own can change in a heartbeat due to illness or injury. It’s important to discuss that possibility and take the necessary steps to ensure that your loved one’s wishes are well-documented."
4 tips you need to know as a caregiver
The following tips can help you be prepared for the role of caregiving, so you can be there for the person in your care without sacrificing your own mental and physical health.
1.
Organize important paperwork
The first step in caring for your loved one is to get their affairs in order. Having this information in place can make all the difference in the event of an emergency. To get the process started, the National Institute on Aging has a helpful list of legal, financial, and personal records you’ll want to locate and organize. If possible, take care of this when your loved one is able to make some of their own financial and health care decisions. To complete this step, you may need to get formal permission from the person you are caring for to talk with their lawyer, bank and health care providers in advance. Many also have their own forms that must be signed with your family member’s consent.
2.
Understand health insurance benefits
Often, the caregiver role starts with a health event: a bad fall, a heart attack or a stroke. Sometimes, you may come into the role more gradually, as your loved one is faced with dementia or Alzheimer’s. Either way, it’s helpful to have a firm grasp on health insurance.
Understanding important health insurance terms and the basics of Medicare, if applicable, can help. It may also be helpful to have your loved one locate important health insurance documents, like a coverage manual and ID card. If they are a Wellmark Blue Cross and Blue Shield member, you can also make sure your family member is registered for myWellmark®. It’s the place for personalized health insurance information, such as detailed claims and benefits information.
3.
Get help coordinating care
When starting out, it may feel like you don’t need much help. But at some point, it’s possible you will need assistance.
If your loved one needs help with activities like housecleaning, getting dressed or getting in and out of the shower or bath safely, you can hire home health aides through local or private agencies. One resource for finding this help is the Family Caregiver Alliance®’s Family Care Navigator. Click on your state, and jump to the section “Can I Get Help While Living In My Home?” to start your search.
Local meal delivery programs can help with daily meals, and their volunteer drivers can be valuable social contacts for folks living on their own. Meals on Wheels America can help you find a program nearby. For those who can still get out and about, the local senior center might also host regular meal gatherings, providing good food and plenty of socialization
Caring for a person with Alzheimer’s or dementia often involves a team of people. Whether you provide daily caregiving, participate in decision-making or simply care about a person with the disease — there are resources to help. To learn what to expect and how to prepare, visit the Alzheimer's Association® website. You can also find resources for caregivers from the Family Caregiving Alliance®.
4.
Take care of yourself
Caregiving can be an emotional rollercoaster. The added pressures can contribute to health problems. About one in ten caregivers report having worse physical health than they did before they started providing care to a loved one. Caregivers are also less likely to eat healthy foods, get enough sleep, find time for physical activity, see the doctor when needed or care for themselves properly when they are sick. Family caregivers are also at increased risk for depression and excessive use of alcohol, tobacco, and other drugs.
You can only care for a loved one if you are looking after yourself. Find helpful tips for how to reduce and manage stress, create boundaries, and ask for and accept help using this information from the Family Caregiver Alliance.
Wellmark resources that support caregivers
Try virtual care.
If it's not possible to see a doctor in person but you or your loved one needs care, a virtual visit may be able to help. It allows you or your loved one to stay at home while seeing a doctor face-to-face via a smartphone, tablet or laptop. Virtual doctors can treat many common medical conditions and prescribe medication, if needed. To see if you or your loved one has coverage, log in to myWellmark. Even if the health plan doesn't cover virtual visits, an appointment via Wellmark's preferred virtual visit provider, Doctor On Demand® may still be a cheaper option than an urgent care or non-emergent ER visit. As always, if you are experiencing an emergency, do not hesitate to go to the ER.
Find what you need with BeWell 24/7
If you are a Wellmark member and caring for a loved one, BeWell 24/7 can help take some of the stress and hassle out of the process. Call BeWell at 844-842-3935 to get help with health care issues and tasks like:
- Answering questions about diagnostic tests or specialist appointments
- Getting qualified answers to your health care questions
- Locating the best place to go for the care your loved one needs
Looking for more resources?
Whatever kind of help your loved one needs, help may be available in your community. You can get more information from your local Area Agency on Aging. Here are some other options to get the help you need to care for your loved one:
- Eldercare Locator, 800-677-1116 (toll-free)
- Family Care Navigator, 800-445-8106 (toll-free)
- Family Caregiver Alliance®
Disclosures
Doctor On Demand physicians do not prescribe Drug Enforcement Administration-controlled substances, and may elect not to treat conditions or prescribe other medications based on what is clinically appropriate.
For plans that include benefits for mental health treatment, Doctor On Demand benefits may include treatment for certain psychological conditions, emotional issues and chemical dependency. Services performed by Doctor On Demand psychologists are covered. For more information, call Wellmark at the number on your ID card.
Doctor On Demand by Included Health is a separate company providing an online telehealth solution for Wellmark members. Doctor On Demand® is a registered mark of Doctor On Demand, Inc.
BeWell 24/7® is a registered mark of Wellmark, Inc.