Welcome to Elder Care Helper, an online resource that helps you find the long-term care you need by bringing clarity to your choices and guidance to your planning. Specifically, it helps you:
When it comes to understanding healthcare people are often confused and misunderstand which services are covered by medical insurance and which are not. This is particularly so when we talk about skilled care and long-term care. It is important to understand the difference between the two because skilled care is covered by medical insurance and long-term care is not.
In my last post, I wrote about two people who used up their Medicare benefit for in-patient skilled care but were not able to return to an independent life. One ended up opting to stay in a nursing home. The other went home with home health care services, a family caregiver and additional assistance from a home care worker.
Medicare is a national program that provides health insurance for Americans aged 65 and older who have worked and paid into the system. Many people think that if they have Medicare along with Supplemental insurance or a Medicare Advantage plan they do not have to worry about coverage for their health care needs as they age.