Best Home Healthcare Plans for Senior Citizens and Parents

Home care aims to provide is based upon quality care at affordable cost. Aging is a difficult phase in life where income shrinks while medical costs rise. Dependency and weakness often leads the aged people into pessimism and despair. It is the right of every individual, who has spent all his life working hard to earn money, to spend the latter stage of life peacefully and without financial worries. Therefore, healthcare plans that best suit the needs of the aging population should be on priority list of every government. Here are some plans related to home healthcare offers.

Home Healthcare Plans by:

• Medicare: -

Medicare is the health insurance plan for senior citizens provided by the US federal health ministry. All those citizens aged above 65 years and have worked full time for a minimum of ten years are eligible to benefit from this program. Medicare has four parts: –

  1. Part A consists of hospitalization charges, some home health care services and skilled nursing facility cost. This part is free of charges for most of the people.
  2. Part B consists of outpatient services coverage. This includes doctor’s consultation charges, certain surgeries, laboratory tests, mental health care, clinical trials and other kinds of services. This part costs almost $100 a month.
  3. Part C has variable costs and entitlements. It is also known as Medicare Advantage.
  4. According to Part D, the prescribed drugs are covered for the senior citizens.

Medicare is the health insurance plan for senior citizens provided by the US federal health ministry. All those citizens aged above 65 years and have worked full time for a minimum of ten years are eligible to benefit from this program. Medicare has four parts: –

  1. Part A consists of hospitalization charges, some home health care services and skilled nursing facility cost. This part is free of charges for most of the people.
  2. Part B consists of outpatient services coverage. This includes doctor’s consultation charges, certain surgeries, laboratory tests, mental health care, clinical trials and other kinds of services. This part costs almost $100 a month.
  3. Part C has variable costs and entitlements. It is also known as Medicare Advantage.
  4. According to Part D, the prescribed drugs are covered for the senior citizens.

• Medicaid: -

Medicaid is a joint program of a state as well as the federal government. In order to qualify for this insurance, the person must have had all his assets exhausted. A minimum financial standing must be present in order to benefit from Medicaid. It covers costs related to long term healthcare including both at a nursing facility as well as home healthcare Tennessee plans.

• Medigap: -

Medigap, also termed as the supplemental insurance fills the gap left by Medicare. Private insurance companies sell Medigap policies. One can buy them only when Medicare benefits have been availed. Separate Medigap polices must be purchased for separate individuals. For instance, if an elderly couple wishes to avail this policy, they both must buy separate policies for themselves. However, it is important to note here that Medigap does not cover services such as dental, eye care, hearing aids and long term health care.

Private Insurance Plans for Health: -

Private insurance companies also have specialized home healthcare plans for senior citizens. Some people buy them while some are given the policy as part of their employment contract. In case of employer-provided policy, it is most likely that the coverage ends at the retirement time. However, if there is union or employee pension program, it is likely that the policy shall continue to cover at least some kinds of services for the senior citizens even after retirement. Private insurance policy can be difficult to obtain as the companies conduct research to calculate their risk in selling the policy. They determine applicant’s health, age and other factors before determining the premium. In case of a person having underlying medical conditions, the premium charged is likely to be very high.

Home Healthcare Plans for Military Veterans: -

Veterans Administration honors its members by taking care of their needs including healthcare at old age. A member of armed forces who retired from his service honorably is likely to have his health expenses covered by the association. Those who have been inflicted by service-related disability or have been in war are covered by VA’s healthcare program irrespective of age. Widows and aged spouses of veterans also receive healthcare benefits as per VA program.

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