Most seniors have Medicare, an HMO and supplemental insurance. These will help you pay for doctors, hospital stays and up to 100 days of skilled nursing care if you have a qualifying hospital stay. You may be surprised to learn Medicare does not pay for any long-term care such as support in an assisted living community, long-term skilled nursing care or memory care.
According to the official Medicare and You 2015 Handbook:
“Long-term care includes non-medical care for people who have a chronic illness or disability. This includes non-skilled personal care assistance, like help with everyday activities, including
dressing, bathing, and using the bathroom. At least 70% of people over 65 will need long-term care services and support at some point. Medicare and most health insurance plans, including Medicare Supplement Insurance (Medigap) policies, don’t pay for this type of care, sometimes called ‘custodial care.’ Long-term care can be provided at home, in the community, in an assisted living facility, or in a nursing home. It’s important to start planning for long-term care now to maintain your independence and to make sure you get the care you may need, in the setting you want, in the future.”
The team at Approved Home Health is ready to offer assistance when you need help caring for your mom, dad or other loved one. Call us today at 941-870-8740 for a complimentary nursing evaluation.