Dementia is a general term for a decline in cognitive function that interferes with daily life. Alzheimer's disease is the most common form of dementia, but there are others. If you or a loved one has been diagnosed with dementia, you're likely wondering what financial assistance Medicare provides. Let's continue reading to explore what Medicare covers for dementia care.
Medicare can help cover some costs associated with dementia care. However, it's important to understand the specifics of what Medicare covers and doesn't cover. Medicare primarily focuses on medical services, not custodial care.
There are limited situations where Medicare covers facility-based care for dementia. For instance, Medicare Part A (Hospital Insurance) may cover a short-term stay in a skilled nursing facility (SNF) following a qualifying hospital stay. This coverage is for skilled nursing care, such as physical or occupational therapy, not custodial care, like assistance with daily activities. The benefit is capped at 100 days, with a daily copay required after the initial 20 days.
Medicare Part A may also cover some home health care services for individuals with dementia who are considered "homebound." This means a doctor certifies that leaving the home for medical treatment is a significant challenge. Covered services could include skilled nursing care, physical or occupational therapy, and speech therapy. However, there's a limit of 35 hours per week, and some copay or coinsurance may apply.
Medicare Part B (Medical Insurance) typically covers diagnostic tests for dementia, such as brain scans and cognitive assessments. These can be crucial for receiving a diagnosis and determining the best course of treatment. Be sure to check with your plan for specific coverage details and potential deductibles or coinsurance.
Medicare hospice is an end-of-life care program that provides comfort and support to terminally ill patients, including those with dementia. Hospice care can be delivered in various settings, including the patient's home, a nursing home, or a hospice facility. Medicare covers most hospice services, including pain management, medication, and emotional support for both the patient and their family.
As we've discussed, different parts of Medicare cover various aspects of dementia care, as follows:
Dementia care can be expensive, and navigating the various coverage options can be overwhelming. At Senior Services Insurance Agency, our experienced professionals can help you understand your specific Medicare benefits and explore additional options like long-term care insurance. We can answer your questions and guide you towards the best resources to ensure your loved one receives the care they need. Contact us today to schedule a free consultation. Call us at (800) 952 9101 to get started.
