Medicaid attorneys help you to understand the rules for getting the costs covered when you need various types of medical care. As you get older, or if you become sick, you may need more than just standard doctors visits. In addition to more invasive medical therapies, there may also come a time when you need basic help doing routine life tasks because age, injury, or illness has affected your ability to do basic activities of daily living. When you need basic help, this type of care is called custodial care.
Getting care can be very expensive when you need help with activities of daily living, whether you require a caregiver to come to your home or whether you have to move into a nursing home because you cannot live alone any more.
Biddinger & Estelle can provide you with assistance in making certain you are able to afford the costs of care that you require. While you may believe that your care is covered by some type of government or private insurance policy that you have, you should be aware of the coverage rules for different kinds of care. This means understanding what custodial care is and how different kinds of insurance treat custodial care.
What is Custodial Care and Why Does the Type of Care You Receive Matter so Much?
Custodial care is defined by Medicare as “non-skilled personal care, like help with activities of daily living like bathing, dressing, eating, getting in or out of a bed or chair, moving around, and using the bathroom.” Medicare also defines custodial care to include basic medical care tasks that people typically do without professional help, such as putting eye drops in their eyes.
This definition is very important because Medicare won’t pay for any kind of custodial care at all. While Medicare pays for skilled nursing care – such as changing surgical bandages – for a limited time when specific conditions are met, Medicare provides you with no help at all when you’re simply too old or sick to do basic life tasks. Most private insurance policies, including Medigap and Medicare Advantage plans, also do not cover custodial care at all.
It can be a big problem for seniors, for disabled people, and for their loved ones that Medicare and private insurers don’t cover custodial care. This is a problem for obvious reasons: this kind of care is expensive and, when it is needed, it is not optional. If you or someone that you love requires custodial care, you may need to either pay out of pocket or may need to try to get Medicaid to cover costs since Medicaid is typically the only third-party who will pay (unless you have purchased long-term care insurance, which is often very costly and which often comes with limitations on care that make using such policies impractical).
If you need Medicaid to pay for custodial care, you need to understand Medicaid qualification rules, including rules preventing you from getting Medicaid to cover your custodial care when you have too many assets that you own. You’ll need to do everything possible to make a plan to protect your wealth – either by working with Biddinger & Estelle in advance of the time you need care or by working with our legal team to do crisis planning – if you want to get Medicaid to pay for your custodial care without you first spending all of your own cash on this care.
Getting Help from Our Medicaid Attorneys
Medicaid attorneys at Biddinger & Estelle will provide you with comprehensive help in determining the differences between custodial care and skilled nursing care so you can determine what kinds of care will be covered by Medicare and private insurance… and what kinds of care will not be covered. We can also assist you in making certain that you have plans in place to get Medicaid to pay for any custodial care that becomes necessary, or in responding in a crisis situation when you need custodial care right away and want to try to protect your wealth.
To find out more about the ways in which our legal team helps you to get custodial care if you need it, give us a call at (989) 872-5601 or contact us online today. Residents throughout the 210 miles of Michigan mainland shoreline along Lake Huron have turned to Biddinger & Estelle time and again to get the advice they need to protect their assets while getting their necessary care costs covered. Call today so you can get your plans in place so you’re not struggling to afford needed care.
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