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Long-Term Care And What It Means For Medicare Beneficiaries

As we grow older, our needs for healthcare services increase. Long-term care is a type of health and social care that is designed to meet the ongoing needs of seniors. This can include assistance with daily activities, health care services, and access to supportive housing and other resources. Find out how your long-term care needs are taken care of through Medicare.

What is Long-Term Care?

Long-term care is typically provided in various settings, such as nursing homes, assisted living facilities, and even the home of the individual who needs the care. The type of care and services received will vary depending on the severity of the individual’s needs. 

The primary goal of long-term care is to ensure the individual receives the care and services they need. This might include professional nursing care, assistance with activities of daily living, physical and occupational therapy, or social and recreational activities. Long-term care services also provide emotional support, enabling them to remain independent, safe, and comfortable in their own environment.

Coverage for Long-Term Care

However, many seniors struggle to pay for long-term care services. For those who are enrolled in Medicare, there are a few different options available. The first is to use Medicare-covered services, such as home health services, nursing home care, and hospice care. These services are typically covered by Medicare, although the coverage varies depending on the type of service and the individual’s needs.

What Does Medicare Cover?

For seniors who are enrolled in Medicare, there are several services and treatments that are typically covered by Medicare, including home health services, nursing home care, and hospice care. The specifics of the coverage vary depending on the type of service or treatment and the individual’s needs, but, in general, Medicare may provide coverage for the following: 

  • Nursing home care: Medicare will provide coverage for medically necessary services and treatments provided in a skilled nursing facility. 
  • Home health services: Medicare will provide coverage for medically necessary services and treatments provided in a patient’s home, such as nursing care, physical therapy, and occupational therapy. 
  • Hospice care: Medicare will provide coverage for end-of-life care, including pain management and other supportive services. 

Other Options

For seniors who need additional help with long-term care costs, there are other options available. For example, many states have programs that offer additional coverage for long-term care services, such as Medicaid. Eligibility will vary from state to state, but most states have some form of Medicaid to help seniors pay for long-term care services. Additionally, some employers may offer long-term care insurance plans that can help seniors offset the cost of services.

While it won’t cover every long-term care expense, a Medicare supplement plan can fill in some of your costs to make it more affordable.

Get the Care You Need with The Benefit Link

Although Medicare does not cover all of the costs associated with long-term care services, there are various options available to help seniors get the care they need. By understanding the different types of coverage available, seniors can make informed decisions about their care needs and ensure their health expenses are taken care of.

To discuss your options and take the next step, contact The Benefit Link by scheduling a consultation or calling (972) 236-3348.

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It can be difficult to know whether or not you have proper coverage, but we can help!

Any questions? Feel free to give us a call.



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The Benefit Link, a Licensed Insurance Agency with its physical office in Texas, employs insurance agents (producers), and through such agents, can provide these services to clients in all 50 States of the USA. By clicking on a form, you authorize The Benefit Link to call you and send pre-recorded messages, text messages, and in-app Facebook messages to you about The Benefit Link products and services at the telephone number you have on file with Facebook, or any other telephone number or contact information that you provide to The Benefit Link, including your mobile phone if provided, using an automated dialer and email, even you are on the national or state “Do not Call” list. You understand that your consent is not a requirement to purchase products and services from The Benefit Link. Message and data rates may apply, and you can opt-out anytime.