A Guide to Understanding Medicare’s Role in Assisted Living Expenses
Seniors Blue Book
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Apr 13, 2024
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As people grow older and require assistance with tasks the
issue of financing assisted living often comes up. Many seniors turn to
Medicare, the government health insurance program for those aged 65 and above
for help. However Medicare's coverage for living is limited so knowing what
expenses are included and excluded can assist individuals and families in
planning for their care needs. This article discusses Medicare's coverage of assisted living financial options for supporting care and how Seniors Blue Book can be a
helpful tool throughout this process.
Does Medicare Assist with Assisted Living Costs?
In cases Medicare does not cover the expenses associated
with living facilities. Medicare Part A, which handles hospital stays and
skilled nursing facility care typically does not include costs related to assisted living. Likewise Medicare Part B, which deals with outpatient services also
does not encompass living expenses.
What Services Does Medicare Include?
While Medicare may not cover the costs of residing in an assisted living facility itself, it might cover services offered within such facilities.
For instance if a person residing in a living facility needs
nursing care or therapy services Medicare could potentially cover these
services if they are offered by a provider certified by Medicare.
Exploring Ways to Fund Assisted Living
Given that Medicare does not include assisted living costs, individuals and families must consider ways to finance assisted living care. Some common alternatives are:
Term Care Insurance; This type of insurance is specifically designed to cover expenses related to assisted living and other long term care services. Policies differ in coverage and cost so its crucial to review the terms.
Medicaid; Medicaid is a program run by the government and states that offers health coverage to individuals, with low income and limited resources. For those who qualify Medicaid might cover some or all of the expenses associated with assisted living.
Veterans Benefits; Veterans and their spouses may be entitled to benefits, from the U.S. Department of Veterans Affairs (VA) to assist with paying for assisted living. The benefits available depend on the individuals service history and other factors.
Personal Savings and Investments; Some individuals
may opt to use savings, investments or assets as a means of financing their assisted living care. It's important to consider the term financial implications before
choosing this option.
How Seniors Blue Book Can Help!
Seniors Bluebook serves as a tool for individuals and families looking into assisted living options. Here's how Seniors Bluebook can be beneficial:
Extensive Directory; Seniors Blue Book provides a directory of assisted living facilities offering information on services, amenities, pricing and contact details. This directory aids in finding a facility that aligns with ones requirements and budget.
Professional Assistance; The team at Seniors Blue Book offers expert guidance and resources to help navigate the complexities of assisted living care. They offer tailored recommendations based on needs and preferences.
Educational Support; Seniors Blue Book also offers materials and articles covering aspects of assisted living such as financial planning, legal considerations and caregiver support. These resources empower individuals and families to make informed decisions regarding living care.
In summary, although Medicare may not cover assisted living costs, there are financial options available. Seniors Blue Book stands out as a
resource, with its directory, expert advice and educational content to assist
in selecting the right assisted living facility.
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