Managing the medical bills of a senior family member can be financially stressful. Fortunately, there are assistance programs for seniors that may provide either financial support or even free services if you meet particular requirements.
It is important to fully understand what different types of aid and assistance may be available, the eligibility criteria for each program, and other potential resources that can ease potentially devastating costs.
Overview of Medical Assistance Programs for Seniors
There are several assistance programs available that can help manage the cost of medical treatment for seniors.
Medicare is a federal health insurance program for adults age 65 and over as well as certain disabled individuals. It can cover the cost of expenses like hospital stays, doctor visits, lab tests, physical therapy, and medications.
Additionally, Medicaid is also available for qualifying individuals or families who have limited income and resources. It generally covers long-term care costs as well as some out-of-pocket medical expenses that other sources like Medicare may not cover. Furthermore, there are additional programs in many states at the local level that provide coverage specific to your area's needs. Make sure you talk to your senior loved one's doctor about what options may be available to your family.
Qualifying for Assistance
Each assistance program has eligibility criteria that you need to meet in order to qualify for the assistance. These requirements vary from state to state and may include things like annual income levels, age limits, or disability status.
It is important that you gather all relevant information, including supporting documentation required by each program before making any application. In addition to age-related requirements, since Medicare is generally only available after age 65, these programs may have specific income requirements. Plan to establish proof of income in order to apply for assistance for your elderly loved one.
Other Options for Paying for Medical Bills
Though assistance programs can help, you may still need extra help paying for medical bills for a senior loved one. Fortunately, there are other options available. These include private insurance plans, charitable organizations, and crowdfunding campaigns.
- Private insurance can provide high-quality coverage at a reasonable cost.
- Charitable organizations may be able to cover costs that can't be covered by other sources.
- Setting up a crowdfunding campaign is becoming increasingly popular as an option to pay for hefty medical bills or treatments that aren't usually covered by Medicare or Medicaid.
Regardless of the payment source you choose to pursue, it is important that you consult with your loved one's doctor prior to any treatment.
Senior Helpers Provides In-Home Care for Your Senior Loved Ones
At Senior Helpers Central Iowa, we provide a variety of care services to seniors in Urbandale, Ankeny, Ames, Des Moines, Boone, and Johnston, including in-home care services that can help keep seniors at home longer and reduce the cost of assisted living or nursing home care.
Contact us today to learn more about our service options, including options designed to fit your individual budget.