An elderly member of your family can no longer take care of him or herself but still wish to live independently, why don’t you consider an assisted living residence where they can age gracefully?
Hiring a live in assistant may upset your loved ones’ stability and you can never be sure if you can leave the senior to the mercy of the care giver. What if there was a better way with long-term care? The following question would be; can we afford it? Does insurance cover the cost of long-term home care? It is best to know the services offered by government insurance before you start looking for an affordable but good assisted living facility (ALF)
Medicare is a government insurance that covers medical benefits such as hospitalization, medication, physical therapy and short-term assisted home care after surgery or recovering from an illness. Medicare does not cover the costs of a long-term assisted living or a long-term nursing home stay. Senior citizens aged 65 and older who have paid into the social security from employment benefit from this insurance. Different states have their own interpretation and implementation of Medicare, so it is best to inquire with the agency itself.
Medicaid is also a federal government and state health insurance program that pays for long-term assisted elderly care. Medicaid is implemented across all states; however, not all assisted living residences accept Medicaid patients. Health benefits for disabled elderly who need assisted living may not get full coverage as the extent of assistance depends on every state’s implementing policies.
Who is Eligible for Medicaid
- An US citizen who is 65 years and older.
- A person permanently disabled and needs long-term care.
- A senior citizen who has exhausted his or her assets and life savings towards health care.
- Low income elderly whose care and medical expenses are beyond his or her earnings.
- Has social Security number
- A resident of the state where he or she is applying for coverage
Outside the Medicare and Medicaid Insurance
If the elderly or the family does not have other source of funds apart from Medicaid and Medicare, you can always search for an affordable assisted living residence. Medicaid reimbursements for assisted living are not high enough to shoulder the costs of living in a facility. For detailed information regarding your options, do not hesitate to contact a reputable assisted living residence and be guided in the right direction.