As seniors age, they often face substantial medical bills related to the challenges that can go along with aging. The financial obligations associated with senior medical care can be overwhelming for caregivers. Fortunately, there are several assistance programs available that can help offset the cost of medical treatment or provide other forms of payment assistance to families caring for an elderly relative.
Medicare
Most seniors are likely to be eligible for Medicare, the federal medical insurance program funded by the US government. Medicare covers a wide range of preventive care services, hospital stays, and doctor visits. Depending on the type of coverage you have, it might even pay for prescription drugs or home health services like nursing care and physical therapy. If a senior's medical bills exceed what is covered under their Medicare plan, then they may still qualify for assistance programs that cover remaining costs.
Medicaid
In addition to Medicare, many states also offer medical coverage for seniors through their Medicaid programs. Medicaid users may need to meet specific income requirements, which may vary by state.
Bill Advocacy Services
Medical bill advocacy services will help seniors and their families negotiate with providers, insurance companies, and even credit bureaus. By enlisting the services of a third party to mediate difficult financial negotiation processes, these services can provide invaluable assistance in securing payment agreements that meet both parties' needs.
State and Local Programs
Some local and state governments offer assistance programs for seniors facing high medical costs. These include sliding scale payments based on income, reduced fees for certain medical treatments, or other forms of discounts. Contact your Area Agency on Aging (AAA) to find out more about available programs in your locale.
Charitable Organizations
In many areas, you can find local organizations dedicated to helping seniors facing financial hardship, some of which are supported by government programs. Churches and other organizations that focus on caring for others may also provide medical bill assistance to seniors. Check out the options available in your local area through the AAA or ask during your senior loved one's appointments.
Negotiating with Medical Care Providers
In addition to the options outlined above, you may be able to negotiate directly with your senior's medical care providers. If paying for senior medical bills without assistance is not an option, it can be helpful to speak with a representative from the hospital or clinic in which they receive treatment. Together, you and the representative can work out a payment plan that fits into your budget. Care providers, especially hospitals, often have their own assistance programs that will offer aid for seniors or others who cannot afford care.
Get the Help Your Senior Loved One Needs
As your senior loved one's medical needs increase, so does their need for care. At Senior Helpers Fairfax, we offer assistance to seniors in Alexandria, Arlington, Centreville, Great Falls, Herndon, Fairfax, Falls Church, McLean, Reston, and Vienna, including respite care services, in-home care, and more. Contact us today to learn more.