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 plan or through other insurance. Then research all options including private plans which, although generally expensive, can offer specific benefits a senior needs. Government-funded programs like Medicare and Medicaid also offer assistance to eligible seniors.
Medicare and Medicaid
Medicare and Medicaid are two entirely different policies, with Medicaid focusing on financial need-based healthcare. Oregon offers the Independent Choices program, a Medicaid in-home service provider plan, through the Oregon Department of Human Services. Medicare concerns itself with care of the aging. Americans over the age of 65 should understand what they are entitled to under its umbrella of coverage. Providing health services to over 45 million people annually, Medicare has four core benefits:
Parts A and B
Part A of the Medicare Program insures inpatient hospital stays and also covers brief stints in skilled nursing facilities. The second division of the program (known simply as Part B), covers other medical services offered on an outpatient basis. The phrase "outpatient basis" is just what it sounds like, so take-home items to be used "out" of hospitals and care centers such as canes and oxygen are covered. Oregon.gov has assembled a helpful guide to understanding state Medicare policies: "The ABC's-and D-of Medicare."
Parts C and D
Part C of the Medicare Program gives beneficiaries the opportunity to select a private health-insuring plan with federal funding. Part D offers coverage for prescription drugs. Medicare.org offers a detailed breakdown of both Part C and Part D.
Visit Care.com's helpful article for a comprehensive examination of Medicare and Medicaid.
Oregon Resources: Alzheimer's, Parkinson's and Cancer
Oregon is home to several nationally recognized non-profits whose primary focus is senior health. The Oregon Alliance of Senior Health Services is one such organization, and has been serving Beaver State families for over thirty years.
Senior Care Guide: Care.com's comprehensive guide to senior care that helps readers understand senior care options by describing each option in detail and answering frequently asked questions.
For more information on senior healthcare, visit our Articles and Resources page.
Looking for quality senior care in Oregon? Check out the local pages below.
Oregon - Benefits