Long Term Care – Helping Seniors Understand and Enroll For Medigap Plans
The “sandwich generation” is confronted today with the dilemma that millions of other Americans already face: how to take care of loved ones who cannot do so for themselves.
The options on how to provide long-term care come as a shock to most people who find themselves in this situation. Medicare pays only for temporary nursing home stays, and regular health insurance policies don’t cover long-term care. Medicaid does, but only if a person spends down hard-earned assets to be poor enough to qualify. Oh, and when Medicaid does kick in, it tends to be skewed toward putting someone in costly nursing homes, rather than finding ways to help people stay in their own homes and communities as long as possible.
The millions of Americans who take on the caregiver burden themselves do it as a labor of love and find it utterly exhausting. Yet for all the pervasiveness of long-term care problems, possible solutions haven’t had a prominent place in this year’s health care debate. This just doesn’t seem to be the top priority on many lists.
One promising idea that deserves more attention than it has been getting is the Community Living Assistance Services and Supports (CLASS) Act. Championed by the late Sen. Edward Kennedy, it is included in some, but not all, of the reform measures being considered in Congress.
Consulting with your doctor will help you decide if your insurance carrier will help you purchase a new power wheelchair. Some companies that specialize in power scooters usually have a specialist on hand that will walk you through the process. They may even offer to check if the Medicare or your insurance company will pay for the entire cost of the power chair. Just give them a call and explain to them your condition and situation they are sure to have a program in place that will assist you in getting a free or low cost power chair.
The Congressional Budget Office and other analysts say the plan would take in billion more than it pays out in the first 10 years. It would also likely reduce Medicaid costs, the single biggest budget item for most states. Private insurers warn, however, that the plan would give people a false sense of security and ultimately require big federal subsidies.
Seniors might also opt to do the necessary research on their own as they have access to a wide variety of online resources, which can help make things much easier for them
Resource Author Francisco R. Higueras
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Posted in Healthcare Professionals, Healthcare Services