When you turn 65, you must make many decisions about the benefits you will be receiving from health care. Therefore, in this article we are going to discuss the various ways in which you can receive medicare if you need Long Term Care and have Medicaid.
This article is going to discuss the benefits and additional services and the various things to consider when choosing a Medicare health plan. We will also talk about how you can get these services to help provide for your long term care at home.
How to Get Medicare:Medicare is a good option for anyone that needs long term care in their home, the reason for this is because if you are not able to afford normal insurance than medicare can provide many options for you. Here are some of the ways that you can get medicare:
You can use medicare if you are 65 years of age or older
If you are under 65 but have certain disabilities
Or if you are suffering from ESRD (end-stage renal disease), which is permanent kidney failure requiring dialysis or transplantation.
The Various Options Available Once You Are 65
If you have just turned 65, you has a period of seven months to enroll in Medicare Plan A and Plan B, also known as Original Medicare. You also have the same period of 7 months to enroll in a Medicare Advantage plan or the Plan D. If you are looking for long term care, then either Plan B or and advantage plan are the two you should be considering.
Using Medicare If You Are Disabled: If you are not 65, but you are disabled, you are already eligible for Medicare after receiving disability benefits from Social Security or the Railroad Retirement Board for at least 24 months. This can be very helpful if you need LTC at home but you are not yet 65.
Is Medicare the Right Choice?If you do not work, and are you need LTC (Long Term Care) from home, then medicare can be the best option for you. Normally you will receive enough from Social Security that you will be able to afford these services and this will be able to cover your at home care.
Can I Access Medicare With Medicaid?Medicare is not limited only to those that have no insurance, you can also use these services if you have medicaid, this can be very helpful for those seeking Long Term Care and already have medicaid because medicaid does not always cover their at home care. A combination of these two programs can be very beneficial.
Benefits of Using Medicare For LTC: There are many benefits of using medicare for long term care, one of the benefits is that it allows you to easily access these services without having to spend a whole lot of money on insurance, this can be very helpful to those that can’t work or do not have much of a monthly income.
Using Medicare With Medicaid: This can be a very smart option, because medicaid allows you to access certain services that your state provides, this can be good because it allows you to combine medicaid and medicare, Medicaid services do not always include the things you might need. Medicaid’s services are decided by the state and there are no federal laws dictating what they need to provide, so you can have at least some coverage with the medicaid and then use medicare to cover your long term care expenses.