Family Caregivers wear many hats and most would agree that you are a “jack of all trades” due to the long list of care services you provide to your senior loved one. You will inevitably take part in your loved one’s health care, which means you need to know the ins and outs of Medicare.
What is Medicare?
Medicare is a federal health insurance program designed for people who are 65 or older (and certain younger people with disabilities and people with end-stage renal disease).
The Main Parts of Medicare
To have a clear understanding of what insurance options are possible to your loved one, it is important for you to know the four types of Medicare programs that are available:
- Part A: Available to those in the hospital as an inpatient, this plan covers room costs and hospital services like meals and supplies. Part A also covers nursing facilities, hospice and home health care.
- Part B: This plan covers doctor’s visits, outpatient care, medical supplies and some components of home health. It also covers tests, shots and services used to maintain health, like flu shots, tests and screenings and ambulance services.
- Part C: Includes all of A and B, as well as prescription drugs. Plan C is usually available through private insurance companies who can sometimes offer lower deductibles and co-pays.
- Part D: This plan is available for prescription drug coverage.
Two Pieces of Advice
- Be sure to call your insurance company to get a complete understanding of what is covered in your loved one’s health care plan. This will give you the knowledge need to help determine which Medicare policy best fits the need of your loved one.
- Another thing to consider is to research a Medigap policy. This is a private health insurance policy that supplements those who have Medicare Parts A and B. It requires a separate cost but is an option for those needing additional assistance in medical coverage.
Additionally, it is important to know where to go for resources and questions. Online, you can visit www.medicare.gov for an extensive list of resources regarding a caregiver’s role in Medicare coverage planning. They have lists of coverage explanations, eligibility and even a glossary of Medicare terms you should know.
We can help.
Insurance and health care costs can cause a lot of stress and create many questions for you as a Family Caregiver. Consider what it would be like to have a partner in finding those answers. That’s where Freudenthal Home Health comes in. Contact us or visit our website today to learn about the many services and assistance our professionals can provide to ensure your loved one is receiving the best possible home health care.