Medicare and At-Home care
According to the Medicare website, “Medicare only insures home health insurance as directed by your doctor.” As previously discussed, Parts A and B are Medicare alternatives which insure Medicare-designated home care services. Medicare Home Health Insurance in New Mexico requires that the following criteria be met: – Currently you are receiving a continuous service from a physician. This physician must also have a personal assistance policy, which is evaluated on a regular basis.
– The physician must demonstrate that he / she “needs” specific medical services such as occupational therapy, intravenous pharmacotherapy needs, physiotherapy, respiratory therapy or language pathology.
– The home care business offering services must be certified by Medicare.
– The doctor must certify the state of your health in your home country, as indicated below:
* Your health prevents you from leaving your home.
* You can’t travel without assistance from your home (for example, transportation assistance such as help or people).
* Leaving home requires considerable effort and can affect your health.
5. My family doctor does not accept Medicare, why?
The Medicare approval process is boring and expensive, so while it may seem like many companies cannot acclimatize to Medicare, they can actually go through the process to get certified by Medicare. Also, the criteria of Medicare for the individual qualification of home care can be quite stringent. The fact is that most persons who apply for Medicare insurance for their Home Health Company-approved services will not really benefit from this insurance. Currently, Medicare only supports about half of the health costs of older people. Medicare often refuses to pay as the criteria are often not met. Hence, it is imperative to know if you have met these criteria before limiting yourself to Medicare-accredited home care companies.
It is important not to be overwhelmed by the complexity of Medicare advantage plans 2019 as a lot of information is available on the Internet. The same goes for the insurance offers you see on the Internet: look at the name and the number of companies they represent. You will find out that some websites tell you and some do not. Indeed, they are formulated to guide you to the policy you want to promote, instead of providing you the full range of available options. Such tools may help you get some information, however bear in mind that you will get only a brief summary of the policies that may be available.
If you are a member of a group, it is worthwhile to investigate group insurance policies. However, exercise caution. Some organizations are genuine, while the others are limited to marketing their references to direct their activities to a particular organization. Legitimate organizations like the American Mature Citizens Association (AMAC) and the American Retirees Association typically only offer products from one or a few insurance companies. They may have good policies at a competitive price, but they may not provide you with enough comparative information to make that decision. Continue in your search. You can always shout if any of the policies offered meet your needs.