If your senior loved one has reached the age to enroll in Medicare, it’s important to understand how the different insurance plans work to ensure he or she gets the necessary coverage. Here are a few facts to help you both better understand the Medicare system.
The Enrollment Dates
You and your loved one will need to manage the timelines associated with Medicare enrollment. There is an initial enrollment period that begins three months prior to your loved one’s 65th birthday and ends three months after this date. To avoid penalties and to ensure your loved one receives benefits, you must make sure he or she enrolls during this period. Late enrollment is available, but could lead to higher premiums.
If In-Home Care Is Covered
Even if you prefer to provide all of your loved one’s caregiving needs, you may still need help from an hourly or live-in caregiver in Chandler. Therefore, you will need to learn if Medicare covers these services. Under Medicare Part A, Part B, and Part C, there are several conditions that can qualify a senior to receive coverage for in-home care, including:
- If the senior is confined to the home (does not have to be bedridden)
- If part-time care has been prescribed by a doctor
- If the care is being provided by a Medicare-certified health care agency
Which Prescription Drugs Part D Covers
It is important to know what types of prescription drugs your loved one takes to choose the best Medicare Part D plan for him or her. The amount of premiums and out-of-pocket costs for Medicare Part D Plans can change annually, which is why you should update your loved one’s prescription drug list and shop around for plans each year during the enrollment period.
The Costs for Special Equipment
Although Medicare sometimes covers the costs of Chandler elder care services, it does not cover the full costs of rental equipment your loved one may need, such as a wheelchair or a hospital bed. However, Medicare Part A or Part B will generally cover 80 percent of the costs pertaining to special equipment. To determine what types of equipment are covered under your loved one’s Medicare plan, you should contact the plan provider directly.
For a variety of reasons, Medicare may not cover the type of in-home care your loved one needs. However, there may be other financial solutions to ensure your loved one receives high-quality care. To learn about some of these options, reach out to Home Care Assistance. We provide flexible part-time care plans as well as live-in care, and our caregivers are expertly trained to assist seniors with a wide array of important tasks. We also offer comprehensive Alzheimer’s, dementia, and Parkinson’s care Chandler seniors can rely on. For more information on how our in-home care services can promote your loved one’s overall wellbeing, call one of our knowledgeable Care Managers at 480.448.6215 today.