- November 1, 2023
Long-Term Care Medicare Plans: A Comprehensive Guide
Medicare, the federal health insurance program for individuals aged 65 and older, does not typically cover long-term care expenses. However, there are certain Medicare plans that offer some coverage for long-term care services. In this comprehensive guide, we will explore the different long-term care Medicare plans and how they can help individuals plan for their future needs.
Medicare Part A, also known as hospital insurance, covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care. While Medicare Part A does not typically cover long-term care services, it does provide coverage for skilled nursing facility care under certain circumstances. To be eligible for this coverage, individuals must have a qualifying hospital stay of at least three days and require skilled care. To know more about medical insurance plans visit https://jlthomasinsurance.com/medicare/long-term-care/.
Medicare Part B: Medical Insurance
Medicare Part B, also known as medical insurance, covers medically necessary services and preventive care. While Medicare Part B does not typically cover long-term care services, it does cover certain types of medically necessary services that may be needed in a long-term care setting. These services can include doctor’s visits, outpatient therapy, and durable medical equipment.
Medicare Advantage Plans
Medicare Advantage Plans, also known as Medicare Part C, are private health insurance plans that are approved by Medicare and provide all of the benefits of Medicare Part A and Part B. In addition to these benefits, some Medicare Advantage Plans also offer coverage for long-term care services.
Medicare Supplement Insurance
Medicare Supplement Insurance, also known as Medigap, is private insurance that helps cover the gaps in Medicare coverage, such as deductibles, copayments, and coinsurance. While Medicare Supplement Insurance does not typically cover long-term care services, some plans may offer a limited amount of coverage for skilled nursing facility care.
