COVID-19 Information

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Our staff provides education, counseling, and assistance with application, personal papers, legal or environmental forms such as Medicare, health insurance, advance directives, taxes, public benefits, personal finances, as well as other paperwork needs.

Appointments may be scheduled at the APPLE office, local senior centers or senior residential complexes. Services are provided to the homebound. Educational programs on selected paperwork topics are available for small group presentations.

Program Topics for Presentation

MEDICARE...The Types of Medical Care Coverage and Plans Available

  • Preventive Services
  • Home Health Care
  • Skilled Nursing Facility Care
  • Hospice Care
  • Home Medical Equipment
  • Diabetes Supplies and Services
  • Prescription Drugs
  • Medicare Advantage Plans

SUPPLEMENTAL HEALTH INSURANCE...The Types of Policies Available

  • Standardized Medigap Policies
  • Medicare Select Policies
  • Indemnity Policies & other secondary policies

LONG-TERM CARE...Finding and Paying for Quality Services

  • Home, community, or facility-based service choices
  • Financing tools such as insurance, reverse mortgages and other options

ADVANCE DIRECTIVES...How to have the last word

  • Why you need a Health Care Directive and Durable Power of Attorney for Health Care
  • Completing or revising your advance directive

CONSUMER FRAUD...How to Spot Fraud and Protect Yourself from It

  • Consumer fraud via telephone, mail, door-to-door or Internet
  • Preventing identity fraud

PRESCRIPTION ASSISTANCE…Public and Private Programs

  • Discount cards and pharmaceutical company patient assistance programs
  • The Missouri Rx Program

RECORDKEEPING...Are your personal and financial papers in order?

  • What records need to be kept and for how long
  • Making and using a master document locator form

PROTECTING YOUR PRIVACY...In the Age of Information

  • Removing yourself from direct marketing lists
  • Checking the accuracy of your Medical Information Bureau and Credit Reports

OLDER DRIVER SAFETY...Learning the Best Practices of Driving

  • Enhancing your knowledge of safe-driving techniques
  • Assessing changing needs and adjusting to new driving challenges

PRE-PAYING YOUR FUNERAL…Securing the Memorial Services You Want

  • Prearrangement and prepayment plans
  • Revocable versus irrevocable agreements

REVERSE MORTGAGES…Turning Home Equity into Income

  • The benefit and cost of this type of mortgage
  • Lump sum payment or line of credit income options

LEGAL PAPERWORK…Implementing and Protecting Your Decisions

  • Durable Power of Attorney and Living Trusts
  • Wills, Beneficiary Deeds, POD’s and TOD’s


  • Eligibility guidelines for this refundable rent or real estate tax credit
  • Applying for this cash refund

LOW VISION RESOURCES…Aids for Independent Living

  • Demonstration equipment for loan
  • Information and referral for services

For more information please call the APPLE Project at (573) 651-5467.


920 Broadway, Suite 311

A.P.P.L.E. Project
One University Plaza
Cape Girardeau, Missouri 63701