Medicare Insurance - Personal Care and Full Service Assisted Living Options

The needs of older Americans have changed sincebathing and using the toilet. Case management and
the Social Security Act of 1965 signed Medicaresocial services are also provided to ensure the
insurance into existence. Today, many people arepatient's rights are protected.
active and independent well into their 70's and 80's.Medicare insurance covers specialized care programs
They are able to maintain significant levels offor those who suffer from Alzheimer's and other
independence compared to their predecessors.similar conditions. Depending on the circumstances,
However, when the time comes for more help thanshort-term respite care for frail seniors or disabled
is provided by assisted living facilities or respite care,individuals may also be covered. There are several
there are still options that are covered by insurance.requirements to qualify for coverage in this type of
Nursing homes and skilled nursing care facilities offerfacility. The individual must have Medicare Part A and
both long and short-term care options. They arehospital stay days left in the benefit period.
licensed and inspected by the State Department ofThere must have been at least three days spent in a
Health Services.hospital and entry to the facility must take place
These facilities offer care for those with temporarywithin 30 days of discharge. For Medicare insurance
or permanent health issues that are too complex orto cover these services, an individual must have a
severe for home care or assisted living services.medical condition that began while they were
They are the most appropriate option for patientsreceiving care in a Medicare-covered skilled nursing
who need ongoing rehabilitative therapy.facility.
They employ licensed health care provides who areDoctors' visits, meals, and prescription drugs are
trained specifically to handle this level of health careamong the items commonly covered. However, there
needs. In most cases, they are covered by Medicareare many other services Medicare will pay for as well.
insurance. Although services vary from one facility toThey include semiprivate room rates, meals,
another, most provide medical treatment that isprosthetic devices and medical supplies and
prescribed by the patient's primary care physician.equipment. Since its inception, there have been many
Therapies that are provided include speech, physicalchanges to this federally funded program. They meet
and occupational.the needs of today's active seniors and offer options
At this level, most people who are receiving inpatientwhen illness becomes complex.
care require assistance with activities such as walking,