Government Benefits

senior benefits
Tips on understanding federal and state benefits for senior care. Read on to see if you qualify for long-term care, veterans benefits and more.

As individuals age there are often many questions regarding how to pay for care. Many people are surprised to learn that Medicare does not pay for long term care. Additionally, people may be unaware of benefits they may be eligible for to assist them with paying for care. Some programs are implemented on the federal level and therefore remain the same across the country, such as Medicare, whereas other programs vary state by state, such as Medicaid.

Medicare

Medicare is a federal health insurance program designed for individuals over the age of sixty-five or for individuals younger than sixty-five with certain disabilities.

There are four parts to Medicare: A, B, C and D. Part A focuses on hospitals. It covers hospital visits and stays, including rehabilitation in a skilled nursing facility, up to 100 days. It also covers hospice and limited home health care coverage.

Part B focus on ongoing medical care and covers outpatient care such as doctor visits, preventative care, rehabilitation and physical therapy. An individual must be hospitalized for three consecutive days to receive rehabilitation coverage. There are no restrictions on the doctor you can see but there is a copay for these visits.

Part C is the Medicare Advantage Plan. These plans are administered by private insurance companies and can be more cost effective than part B. However there are limitations on the doctors an individual can see and the service providers. This can be challenging taking into consideration that the average seventy-five year old has three or more chronic health conditions.

Part D is an optional prescription drug coverage plan. Different options have different fees, copays and deductibles. The "Donut Hole" is a Medicare Part D gave in coverage for prescription medications. The beneficiary is responsible for all drug costs until the deductible is reached. The beneficiary then pays a certain percentage of the drug costs while the rest is covered by Part D until a certain combined total is reached. Once that total is reached the beneficiary is responsible for the entire cost of drugs until a new limit is reached.  This coverage gap is growing smaller due to the Affordable Care Act.

Medicaid

Medicaid is a joint federal and state program that pays medical costs for low income individuals. Medicaid does vary state by state and every state has different eligibility requirements for each population that they serve: pregnant women, children, the elderly or disabled individuals.  To determine eligibility you must fall within the income level determined by the state.

Medicaid covers medical care such as physician visits, hospital bills, prescriptions and long term care. It is the largest payer source of long term care and covers two-thirds of all nursing home patients.

If you or a loved one may be eligible for Medicaid you can contact an Elder Law Attorney for more information about eligibility in your state.

Veterans Benefits

Veterans benefits are monthly benefits that a military veteran or the surviving spouse of a veteran can receive.

In order to receive these benefits you must be sixty-five or older and honorably discharged. Individuals younger than sixty-five with certain disabilities may also qualify. Benefits are based on income and therefore individuals may not qualify if their income exceeds a certain limit.

The Aid and Attendance benefit is designed specifically for veterans who need assistance with care needs such as bathing, feeding, dressing, meal preparation, medication prompting and ambulating. The veteran receives a monthly stipend that will help pay for the cost of a caregiver to assist with their care needs.

To apply for assistance or determine if someone is eligible you can check out the website for the Department of Veterans Affairs.

Medicare and Medicaid
Medicare is a health coverage program provided by the federal government. It is divided into four parts, and most...
...eligibility for Medicare funding of skilled nursing care only begins if a patient has spent at least three nights in a hospital.
Veterans Benefits
Many veterans and their spouses are unaware of a benefit they are entitled to that could help them pay for care as they age...
Benefits By State
Alabama-Benefits Seniors in Alabama have access to a variety of free wellness programs, all of which can help seniors live healthier lives and navigate the complicated medical and health benefits to...
Alaska -  BenefitsAs our loved ones age, it becomes vital that they have a senior health care plan in place. While there are quite a few options, many plans can be expensive, but there is almost always...
Arizona - Benefits Finding the proper senior health care coverage can be very confusing. Explore your many  options and the right choice will undoubtedly become apparent. Determine what kind of coverage...
Arkansas-Benefits As seniors age, access to affordable, high-quality health care becomes crucial. Fortunately, Arkansas has developed programs to make it easier for seniors to acquire the medical care...
California - Benefits As the health care climate continues to change for seniors, it can be very confusing to determine how much health care will cost and where to get quality health care. Furthermore,...
Colorado - Benefits Of all the issues facing seniors today, health care is one of the most pressing. With prescriptions, doctor's appointments, and possibly even chronic conditions taking precedence...
Connecticut - Benefits Health care is an important issue for aging individuals, and it is vital that your loved one understands the available resources in Connecticut as well as national programs like...
Delaware - Benefits Senior care costs can be overwhelming, but in many cases such services may be covered partially, or sometimes completely, by insurance or retirement plans. A number of different senior...
Florida - Benefits The Sunshine State has more Medicare recipients than any state in the union, except for California, and it's important to know the different parts of Medicare and what is covered....
Georgia - Benefits Health insurance is always essential for physical and financial health, but even more so for the elderly.  Any senior citizen should have health coverage.  There are a number of different...
Hawaii - Benefits An AARP survey conducted among Hawaii's senior population found that nearly half (47%) of adults 50+ say that health care - including the cost of health care and staying healthy...
Idaho-Benefits Health are often comes with a large price tag and many Americans are worried they won't be able to foot the bill in their senior years. Idaho recognizes seniors' struggle and offers...
Illinois - Benefits Healthcare is an important senior issue, and medical care assumes an unprecedented place in one's life. In addition to available local Medicare providers, Illinois has unique programs...
Indiana - Benefits Senior care is very expensive, but there are often options that serve to partially or fully cover the costs of this care.  During your care search make sure to look into every financial...
Iowa - Benefits Healthcare coverage is important for your loved one's physical and emotional health, and seniors are entitled to various forms of coverage. Federal- and state-funded programs offer...
Kansas - Benefits Before taking any steps toward finding healthcare for an elderly loved one, it is important to look into what you may have covered by their insurance or retirement plan.  Senior care...
Kentucky -Benefits As a family member ages it becomes more and more important to have the proper health care.  Before seeking out healthcare though, find out what may already be covered, or what can be...
Louisiana - Benefits As a senior care search begins, a family will quickly realize that care is expensive.  For this reason it is important to find out what a senior has covered by insurance or other...
Maine - Benefits Seniors in Maine must be sure to have the correct information about health care resources and programs for seniors. In Maine, Medicaid is called MaineCare, and to understand the general...
Maryland - Benefits Senior health care plans become more and more important as a loved one gets older.  Elderly care can be very expensive, but in many cases some or all of it is covered by insurance....
Massachusetts - Benefits In the world of senior care, health care can be a complex topic, and therefore it is important to know how your loved one is covered in Massachusetts. What Is the Difference...
Michigan-Benefits The natural decline of one's health that comes with old age makes obtaining quality health care of the utmost importance for seniors. The state of Michigan not only offers affordable...
Minnesota - Benefits Senior care is expensive and it is daunting to find affordable options. But with research, families often learn that some coverage is available through a loved one's retirement...
Mississippi - Benefits Senior care costs are expensive and can vary greatly, but your loved one may already have some coverage to help pay for care.  In addition there are several private plans available...
Missouri - Benefits Senior health care is always an important piece of the aging process.  When the time comes to look into senior care though, it is very important for a family to know what they may have...
Montana - Benefits When you begin thinking about senior care costs, it helps to find out if your loved one has existing coverage. Insurance plans and retirement plans are often two good sources for existing...
Benefits Understand how Medicare, Medicaid and Veterans Benefits work and how they can help you. As individuals age, there are often many questions regarding how to pay for care. Many people are surprised...
Nebraska - Benefits Finding affordable, quality senior care is an overwhelming task. But if you begin with one step, the rest will become easier. Before beginning a search, determine if your loved one...
Nevada - Benefits One of the earliest steps in the senior care search should be finding out what options your elderly loved one has covered by insurance or a retirement plan.  With high costs of senior...
New Hampshire - Benefits Whether it is for care, doctor visits, prescriptions or anything else, it is important to understand what health care coverage options exist and which options your aging loved...
New Jersey - Benefits Health care benefit information for seniors is lengthy and complex, but it helps to understand some of the options available to your loved one. HealthEASE New Jersey's HealthEASE...
New Mexico - Benefits As your loved one ages, having access to affordable, reliable health care is essential and having plans in place to cover the costs of healthcare is just as important. With health...
New York - Benefits As your loved one ages, Health care benefits become increasingly important to both their physical and financial health. New York State offers multiple programs to help your family cope...
North Carolina - Benefits Senior health care is a huge part of the aging process, and when the time comes that a senior needs health care it is important to know what is covered by an insurance or retirement...
North Dakota - Benefits Before you begin looking into senior care options, you should find out if your loved one has any existing insurance or retirement plan coverage. Senior care is expensive, so it...
Ohio - Benefits Keeping healthy should be everyone's priority, but it is especially important for seniors. Health issues multiply as you age making it even more important to have access to quality...
Oklahoma - Benefits Health Insurance Options Before you begin your search for affordable senior care, find out if your loved one has any existing coverage from insurance or retirement plans.  Even if...
Oregon - Benefits Effective planning for senior care costs will require a little background research. Start your investigation by finding out what coverage your loved one already has through a retirement...
Pennsylvania - Benefits As your loved one ages, it is important to know about all the health care benefits available from both the state and federal governments. Affordable benefits include things like...
Rhode Island - Benefits There are many options for senior health care and, while some are expensive, there is always a plan that can fit each family's circumstances.  During the searching process...
South Carolina - Benefits When planning for senior health care, it is vital that your loved one understands the available local resources as well as national programs like Medicare, a federally funded...
South Dakota - Benefits One of the first steps in a search for senior care should always be looking into what a senior may have covered by insurance, a retirement plan, or another coverage option.  Senior...
Tennessee - Benefits Finding the proper senior health care coverage can be very confusing. Explore your many  options and the right choice will undoubtedly become apparent. Determine what kind of coverage...
Texas - Health Care Even if you think your loved one has plenty of health care coverage, making sure they have affordable insurance early on will save you from rushing to find appropriate coverage when...
Utah - Benefits Utah Health Insurance Utah's eligible residents receive an average of $5,120 in health benefits, a significant percentage of which is for long-term care.  Long-term care is privately...
Vermont - Benefits As a senior ages and may require more frequent doctor visits or more prescription medications, benefit options become more important. It is important to understand the options available...
Virginia - Benefits While searching for senior care, many factors typically come into play. Whether it is through insurance, a retirement plan, or a number of other outlets, it is important to determine...
Washington - Health Care As the baby boomer generation ages and a new generation begins the task of caring for their parents, continued education about healthcare is absolutely essential for both seniors...
Washington D.C. - Benefits Navigating the health care system can be a confusing process.  Today, people are living longer, and their needs are drastically different than they were for seniors even twenty...
West Virginia - Benefits As a senior care search begins it is important for a family to understand what a senior may have covered by insurance or other forms of coverage.  Senior care is quite expensive,...
Wisconsin - Benefits Senior care is expensive, but many health care options help families cover some elder care costs.  During your search for care be sure to become familiar with the insurance options...
Wyoming - Benefits A senior health care plan is vital to your loved one's physical health and financial stability. Many plans can be expensive, but there is almost always a suitable option for each...
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