As a family member of someone 65 or older, you may find yourself in need of financial assistance to pay for their medical care. This can be especially true if your senior is unable to work and no longer has a steady salary. Fortunately, there are numerous programs available for those needing help with medical bills for elderly relatives. Here are some tips for finding medical assistance programs for seniors, courtesy of Senior Helpers Bluegrass.
Overview of Medical Assistance Programs For Seniors
There are a variety of options available if you have difficulty paying for needed medical services for elderly family members. These can include insurance, government assistance programs, and charitable organizations. Each has its own set of eligibility requirements and application process, so it's important to read the fine print carefully before applying. There may also be varying levels of coverage depending on where you live. Keep in mind that some states may provide more comprehensive help than others.
Medicaid
Medicaid exists to provide health coverage to those who can't afford it. Eligibility requirements vary by state, but generally, your senior must qualify financially in order to receive benefits. Generally, Medicaid will cover doctor and hospital visits, prescription drugs, preventive care like screenings, dental and vision care, and long-term nursing home stays, including custodial care.
Medicaid might also cover mental health services, rehabilitation services, hospice care, and more. You can learn more about how Medicaid works in your area through the Centers for Medicare & Medicaid Services or contact a local social worker for assistance.
Medicare
Medicare is the federal health insurance program for Americans aged 65 and older. It covers most of the same services as Medicaid, but some benefits may be limited depending on where you live. For instance, routine dental care isn't covered by Medicare.
In addition to covering medical needs, Medicare also helps seniors with their prescription drug costs through Part D plan coverage. You can learn more about how Medicare works and what it covers from the official website or contact a local social worker for assistance.
Other Charitable Organizations
In addition to Medicaid and Medicare, there are other charitable organizations in Kentucky that offer assistance for elderly families who have difficulty paying for medical expenses. These can include local churches, faith-based groups, and volunteer services provided by community outreach programs. The Blue Grass Community Action Partnership is one organization that focuses on providing resources to seniors. The amount of aid available from these sources will vary depending on the size of your request, but it is worth investigating if you're unable to make ends meet.
Senior Helpers Offers Support and Encouragement
Navigating the world of medical assistance programs for seniors can be complex. Fortunately, Senior Helpers Bluegrass is here to help Frankfort, Versailles, Midway, Georgetown, and Lawrenceburg families cope with high healthcare costs for a senior family member.
Our experienced and knowledgeable caregivers are trained in connecting seniors and their loved ones to the resources they need – from government and private health insurance coverage to charitable organizations that offer financial aid. Contact us today to learn more about our services!