How do I pay for it? - Spokane, North Idaho News & Weather KHQ.com

How do I pay for it?

According to the National Center for Policy Analysis direct and indirect costs of Alzheimer's and other dementias amounts to more than $148 (b) billion a year.

So how do you pay for care and treatment?

Medicare: What is it?
A federally funded health insurance program that typically serves as the primary insurance for people over the age of 65 as well as people with certain disabilities and health conditions.  Medicare generally pays 80% of outpatient serves.

What does Medicare cover?
The services Medicare now covers include "reasonable and necessary" doctors' visits; physical, occupational or speech therapy; psychotherapy or behavioral management therapy by a mental health professional; and skilled home-care services (such as skilled nursing, speech or physical therapy).

The new policy, which was officially in place as of late 2001 but only became public in March 2002, reflects recent scientific evidence indicating that people with Alzheimer's can often benefit from mental health services and specialized types of therapy. Alzheimer's experts say the new rules will enable people with the disease to stay at home longer by providing access to services that help improve activities of daily living and help people with the disease maintain a better quality of life.

What Medicare does NOT cover:

  • Prescription drugs
  • over-the-counter nutritional supplies
  • Adult day care
  • Respite care
  • Personal aid assistance
  • Custodial care in a nursing home
  • Incontinence supplies
  • Experimental treatment

**Medicare will pay for medically necessary skilled-care services at assisted-living facilities or nursing homes.

What if Medicare denies to coverage:
Some Medicare carriers may still be automatically denying coverage of medical services for people with Alzheimer's. If you or a loved one has been denied coverage of medical services by Medicare, you should contact your local Medicare office or your Medicare carrier, the company that reviews claims for the government in your area.

 

Source: Some information from this article was obtained from The Fisher Center for Alzheimer's Research Foundation