Medicare and Long-Term Care

By February 5, 2009Uncategorized

It is very common for people to confuse Medicare and Medicaid. While their names are similar, there are actually BIG differences between the two government programs. As the two programs apply to seniors, they both have unique benefits, but Medicaid (ALTCS) provides better coverage for long-term health care.Much of the confusion about Medicaid and long-term healthc are stems from the fact that Medicaid offers very limited care in a long-term care facility. Here is what Medicaid provides to individuals needing long-term care:

• Coverage for the first 20 days in a skilled nursing facility.
• Coverage for the next 80 days of nursing home care, but with a deductible of more than $100 per day. (This only applies if the individual qualifies medically for this coverage.)
• Individuals who are enrolled in a managed Medicare plan and meet strict requirements may have days 21-100 covered without a deductible.

ALTCS, on the other hand provides more comprehensive long-term health care, but it is only available to seniors who qualify medically and financially to receive the benefit.

For more questions on Medicare or Medicaid, please visit our Web site or call our office at 1.800.243.1160 and ask to speak to an Elder Care Coordinator.