As your loved one ages, it’s likely that he or she will have some medical expenses. If your loved one needs financial assistance in order to pay his or her medical bills, public health insurance programs can help. As Medicare and Medicaid, two public health insurance programs in the United States can help your loved one afford a variety of medical services, understanding their different eligibility requirements and benefits is important. To help families learn about these two programs, Chandler senior care experts at Home Care Assistance discuss some of the basics of public health care.
What is Medicare?
Medicare is a federal health insurance program that helps pay for medical care for seniors age 65 and over, as well as younger people who have disabilities.
What Does Medicare Cover?
Medicare consists of four parts, each of which covers different health services. Part A covers hospital insurance, Part B covers outpatient medical care, and Part D covers prescriptions. Unlike the other three parts, Part C is a health insurance plan offered by a private, third-party insurance company, which combines the coverage offered by parts A and B. While these insurance options are fairly comprehensive, some services also require that your loved one pay a premium and/or co-pay.
What is Medicaid?
Medicaid is another social insurance program that helps pay for medical care for people with low incomes, including senior citizens. Unlike the federally managed eligibility standards for Medicare, eligibility for Medicaid varies widely from state to state.
What Does Medicaid Cover?
Depending on your loved one’s state and eligibility, Medicaid can cover many medical services. Most of the time Medicaid coverage includes hospital and outpatient visits, as well as long-term care options like in-home care, an option that Medicare does not usually cover. Seniors can have both Medicare and Medicare if they meet the eligibility guidelines for both, in which case Medicaid is considered secondary insurance.
When your elderly loved one reaches a point where he or she is making frequent hospital visits, it may be time to consider looking into his or her public health care options. If your responsibilities make it difficult for you to be with your loved one for trips to the doctor, hourly or live-in care in Chandler can ensure your loved one won’t have to go alone. The expertly trained caregivers at Home Care Assistance of Chandler provide a variety of senior care services, including offering transportation to and from the hospital and keeping detailed notes of the doctor’s recommendations.
If you have questions about how our caregiving services may help your loved one, contact a Care Manager at 480.448.6215 and schedule a free in-home consultation today.