Integrating your Medicare with home health care – important things to remember

It is absolutely true that Medicare is pretty confusing for many individuals. Things can be even confusing when it comes to the complex health issues that require special medical aids ranging from hospital beds to oxygen supplies. With that said, here are some important things to remember about the AARP Medicare advantage.  

 

 

  • Who is eligible?

 

You are eligible for Medicare if you are;

  • At least 65 years old or,
  • Younger than 65 but have certain disabilities  

 

 

  • What do they offer under Medicare cover?

 

In general, Medicare comprises four different parts (Parts A, B, C and D). The plan called ‘Original Medicare’ comprises of Part A & B only. Part C, on the other hand, is regarded as the ‘AARP Medicare advantage’ plan.

  • Part A: Hospital insurance
  • Part B: Medical insurance 
  • Part C: AARP Medicare advantage
  • Part D: Prescription drug coverage 

 

 

  • Reasons to choose between Medicare plans

 

The ‘Original Medicare’ which is a combination of Part A and Part B comes with monthly premiums. You also may need to pay additionally to cover aspects like hospitals, physicians’ visits, etc. If you want the prescription drug coverage only, you are subjected to pay a monthly premium and join Medicare Prescription Drug Plan (which is Part D). 

 

When it comes to the AARP Medicare advantage plan, it covers all the elements of Part A and Part B. The monthly premium of Advantage plan will be decided to calculate the premium of Part B and copayments for hospitals ad in-plan physicians. 

 

You can consider joining Medicare Prescription Drug Plan (Part D) if your supplemental coverage doesn’t include prescription medications. 

 

Make sure that you check with the employer, union, military, etc. to confirm if you can go for additional coverage through them. 

 

 

  • Does Medicare cover your home health care? 

 

As per the information on Medicare website, only a limited number of aspects of your home health care will be covered by Medicare. Basically, part A & B are the options that cover your home health care services. 

 

To cover your home health care through Medicare, the following criteria must be fulfilled. 

  • You should be under the regular care of a physician currently. 
  • Your physician should specifically state that you are in need of specific medical services. Physical therapy, respiratory therapy, occupational therapy, intravenous therapy, etc. are examples of such instances. 

 

  • You must be under the care of a home health care agency that is certified with Medicare. 

 

  • You must be certified to be a homebound patient and the certification must be offered by your physician. That means your physician must say that the following conditions are applicable to you. 
    • You cannot leave your house because of your respective health conditions. 
    • You cannot travel from your home to somewhere else due to the health condition. 
    • It takes a considerable amount of effort for you to leave your home and it may affect drastically on your health condition. 

 

So, you are able to integrate your home health care with Medicare if you meet the above criteria.