Arnold, Bruce & Doerfler Insurance Blog
As we age, many of us will require long-term care, whether due to chronic illness, disability, or simply the effects of aging. In Portland, OR, Medicare insurance can play a critical role in providing coverage for long-term care needs.
Medicare is a federal health insurance program for individuals aged 65 and older, as well as those with certain disabilities or chronic conditions. While Medicare does not cover all long-term care services, it does provide coverage for some types of care, including skilled nursing care and home health services.
Skilled nursing care is provided by licensed healthcare professionals, such as nurses and therapists, in a nursing home or other care facility. Medicare Part A provides coverage for up to 100 days of skilled nursing care following a hospital stay of at least three days.
In addition to skilled nursing care, Medicare also provides coverage for home health services, including skilled nursing care, physical therapy, and occupational therapy. To qualify for home health services, individuals must be homebound and require skilled care from a healthcare professional.
While Medicare can provide some coverage for long-term care, it's important to note that there are limitations to this coverage. Medicare does not cover custodial care, which involves assistance with activities of daily living, such as bathing, dressing, and eating. This type of care is often provided in assisted living facilities or in the home by caregivers or family members.
To fill the gaps in Medicare's coverage for long-term care, individuals may consider purchasing long-term care insurance. Long-term care insurance can provide coverage for a wide range of services, including custodial care, home care, and assisted living.
In conclusion, Medicare insurance can play an important role in providing coverage for long-term care needs in Portland, OR. While Medicare does provide coverage for some types of long-term care, it's important to be aware of the limitations of this coverage and consider purchasing long-term care insurance to fill any gaps. By planning ahead and understanding your options, you can ensure that you have the coverage you need to meet your long-term care needs.
At Arnold, Bruce & Doerfler Insurance, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (503) 222-1951 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!