As a full-time family caregiver, it can be frustrating to try and navigate the complex web of health care options - particularly Medicare and Medicaid. Here are a few resources you might find helpful.
Centers for Medicare & Medicaid Services
This website "works to build bridges with caregiver organizations to better serve Americans in need with national and local resources to assist in their caregiving efforts." In addition to providing a list of caregiver resources sorted by area, the site also provides a very clear PDF that explains what Medicare does and does not cover.
Medicare Caregiver Resources
Medicare's library of Caregiver Resources covers Medicare-related and general caregiving topics. Learn about things like how to care for loved ones with specific conditions, how to deal with common caregiver challenges, and how to use assistive technology to provide better care.
If your loved one is on Medicaid, you may be able to get financial compensation for caregiver costs. Eligibility details vary by state. Visit the site to learn more about reimbursement programs in your area and to find out if you qualify for financial assistance.
You can also look into property protections. Some states offer programs that allow a senior's primary caregiver to inherit their home when they pass away. Signing up can protect your loved one's assets from being taken to pay for healthcare expenses.
In-Home Mobility Upgrade Coverage
Medicaid has pilot programs in some states that help cover home modification costs. These programs include coverage for expensive permanent modifications, like the installation of a ramp or a chairlift. If you need durable medical equipment coverage, Medicare is likely your best bet.
Friends and Family Medicare Guide
It's important to understand what Medicare does and does not cover. For example, most plans have decent healthcare coverage but don't offer dental or vision benefits. This site offers advice on dealing with long-term care, finding out what's covered, making changes to Medicare coverage, and handling coverage gaps.
Don't overspend on your loved one's insurance because you don't understand complex Medicaid and Medicare rules. Do your research and use all the resources available to ensure you to get the best possible coverage for the lowest possible cost.
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