Medicare and Senior Living: What is Covered?

There are more than 28,900 senior living facilities globally. One of the things that people think about before moving into one of the many senior living communities in the area is the cost of living there.

Most facilities accept insurance to pay for their living arrangements. Still, you must understand exactly what Medicare will cover before you decide on the right senior living apartments for your loved one.

What Medicare Won’t Cover?

Senior living facilities can become expensive because of everything they offer to residents that live there. For those that reside there, you can expect:

  • 3 meals a day
  • Snacks
  • Regular outings/recreational activities
  • Transportation to and from doctors’ visits in many instances
  • Medication set up and administration
  • Activities of daily living

These are just some of the perks that your loved ones will be given when they move into an assisted living facility. Unfortunately, the cost of care will increase the more your loved one becomes dependent on staff for help.

Medicare will not pay for any nonmedical services. Nonmedical services included, but aren’t limited to:

  • Assisted living communities
  • Home care for nonmedical reasons
  • Long-term nursing home care

If you’re looking to place your loved one in assisted living, you need to look at different insurance if you need help to cover their new living arrangements.

What Does Medicare Cover?

Now that you’ve got an idea of what Medicare won’t cover, we’re going to fill you in on what the insurance will cover. In some cases, Medicare will help someone pay for a short stay in a rehabilitation or nursing community.

This is for those recovering from an illness or surgery and need help from trained staff to help them with their rehabilitation. The plan will also cover your loved ones’ rehab if they’re doing it from the comfort of their home.

Extra Services Provided by Medicare

Medicare offers other services that you’ll have to read the fine print to figure out. For example, some plans will assist with regular vision check-ups and dental care.

Your loved ones’ plan will also help to cover the cost of their prescription medication.

How to Pay for Senior Living?

You must understand the role your loved ones’ insurance will play in their care. This helps you to create a plan that will help you afford their senior living arrangements.

Most people looking to place their loved one in a senior living community will pay for it using personal finances such as a retirement fund. However, if that’s not an option, you might look into long-term insurance or selling family assets.

Senior Living: What’s the Cost?

The cost of care in a senior living community can be expensive because of all that it comes with. If your loved one has Medicare, you’ve got to understand that they will only cover medical services like short-term rehab and other medical servcies.

If you’re still looking for a senior living facility for your loved one, contact Sholom Senior Living. We follow the three C’s at all times: care, compassion, and community.

 

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