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 


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 

Supplement 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 


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

Learn the best practices of driving. 

  • Enhance your knowledge of safe-driving techniques. 
  • Assess changing needs and adjust to new driving challenges. 

Pre-Paying Your Funeral

Securing the memorial services you want 

  • Prearrangement and prepayment plans 
  • Revocable versus irrevocable agreements 

Reverse Mortgages

Turn home equity into income 

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

Legal Paperwork

Implement and protect your decisions 

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

Missouri Property Tax Credit

AKA “Circuit Breaker” 

  • 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. 

Office Location
Scully Building 114
Mailing Location
One University Plaza, MS 5750
Cape Girardeau, Missouri 63701