Medicare is a health insurance program managed by the government for individuals who are 65 or older. The insurance package is also for younger patients suffering from certain disabilities or End-stage Renal Disease (ESRD).
Understanding how Medicare works helps you determine the right option for your loved one. Colorado Assisted Living Homes makes it easier for families by providing the necessary information about Medicare and its coverage.
Types of Insurance Plans
Medicare offers different packages, including hospital insurance (Part A), medical insurance (Part B), and prescription drug plan (Part D).
Hospital insurance covers care in skilled nursing facilities, inpatient hospital stays, and some home health care services. Medical insurance pays for outpatient care, doctor’s services, preventive care, and medical supplies. Each prescription drug plan covers different types of medications, which are grouped into “tiers”. Medicines in lower tiers are more affordable than those in higher tiers.
Common Questions on Original Medicare
• Can my family use Medicare to pay for an Assisted Living Program?
Medicare does not cover long-term care services, such as custodial care and assisted living.
• What Does Medicare Cover?
Medicare covers services related to medically acute care, including medications, doctor’s services, and inpatient hospital stays. The insurance program also covers hospice and respite care.
• Should my family file Medicare Claims?
In general, your family does not need to file insurance claims. It is the responsibility of health care providers to file the claims for the services covered.
Lighthouse Assisted Living Homes helps families make the right choice. Although Medicare may not cover assisted living programs, our facility accepts other support options, such as Medicaid (with specific restrictions), private funds, and long-term care insurance.
Assisted Living cost's in Littleton Colorado can vary. Click the following link to learn the Ways To Pay For Assisted Living in Littleton, CO. If you have any questions please contact us and we will be happy to help you navigate your situation.
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