Kaiser Permanente and Senior Care Coverage
One of the largest health insurance providers in the United States is Kaiser Permanente. This organization provides some level of care for senior citizens. If you have this type of insurance right now, you may have financial support to meet your needs. The company does offer its policyholders some coverage for senior living care. This depends on the type of care needed and the policy that the individual has.
Kaiser Permanente Insurance to Pay for Nursing Homes & Skilled Nursing
Many seniors who have a Kaiser Permanente policy will have coverage for nursing homes and skilled nursing care. These locations provide medical care alongside the supportive care individuals need for day to day living. The company has a network of skilled nursing facilities that it uses to help cover its policyholder's needs. Those who have the Kaiser Permanente Medicare Advantage Plan or another commercial plan from the company that includes senior care in a nursing home or skilled facility will gain this type of coverage.
In order to access this coverage, the individual's doctor must admit the patient to the location. That is, a doctor must agree that this type of care is necessary. Then, he or she must use a facility that is provided within the coverage plan. Also, not all plans offer this type of coverage.
Kaiser Permanente Insurance to Pay for Assisted Living
Assisted living care allows for an individual to live in a home where they are given support for day to day living. These are often long-term locations. They can be apartments, suites, or larger homes. However, they do not provide medical care to the individual. As a result, they are generally not covered by Medicare. In addition, Kaiser Permanente insurance policies do not generally provide any coverage for assisted living.
If the location provides medical assistance or care, it would fall under skilled nursing care. This would allow for the policyholder to be able to use this plan for the care they need. However, any location that is not deemed necessary by a doctor may not receive this type of coverage.
Kaiser Permanente Insurance to Pay for Hospice Care
Hospice care provides support for individuals who are facing the end of their life and need health coverage throughout that time. There are some Kaiser Permanente coverage options available here. There are some policies that cover both palliative care and hospice care. Most of the time, an individual who needs hospice care will have high medical bills as well as significant medication needs. This type of coverage is generally a part of the Kaiser Permanente insurance coverage.
In addition, those who have Medicare or Medicaid, with or without Kaiser Permanente coverage, generally have access to hospice cover. This type of coverage often includes senior centers offering hospice care, 24-hour locations, specialized hospice centers, as well as in-hospital care for hospice needs. In order to access this type of care, a medical doctor overseeing the care of the patient must make the decision that hospice is necessary. This will be necessary to obtain before entering any location for this type of care.
Kaiser Permanente Insurance to Pay for In-Home Care
Many individuals hope to remain at home as long as possible. Many can do so with a bit of help. From an insurer’s point of view, it is less expensive to provide in-home care for an individual than it is to provide long-term care in a hospital setting. For this reason, most Kaiser Permanente insurance policies will provide at-home care for senior health. This type of coverage extends to care that a doctor deems is necessary for the patient’s well-being and overall health. It does not cover care that is not based on a medical need – that is essential for patients to know before they elect this type of coverage.
It is also important to verify this coverage within your policy. Some senior healthcare options may not be available especially for patients who do not have a medical need. Covered care generally relates to a person’s illness or physical mobility. It may include things like medication assistance. If and when Medicare provides coverage, Kaiser Permanente plans will often cover that type of need as well.
Where Can I Get Kaiser Permanente Insurance?
It is best to have this type of coverage in place before the individual enters any type of medical facility or senior care center. However, those who are eligible for Medicare may be able to apply for a Kaiser Permanente Medicare Advantage Plan. In addition to this, the company also has a variety of commercial policy options available. Individuals can pay out of pocket for coverage through Kaiser Permanente. Keep in mind that policies differ significantly from each other. For those who are just seeking out solutions for their needs, it is important to choose a policy that offers senior care support including skilled nursing, nursing home, and at-home care.
What Other Options Exist to Pay for Senior Care?
Many seniors who need a bit of help around the home will want to turn to their health insurance policy as a first step. If this is not available, it may be possible to get coverage through a state's Medicaid policy. This is available based on a person’s income qualifications. Limitations apply here, too. Most often, Medicaid can cover health-related needs that are not otherwise covered by Medicare or commercial health insurance policies.
Aside from this, many seniors use their savings and retirement accounts to cover most of their senior care needs. Some people will sell their home to pay for these needs as well. Private payment for senior care, especially non-medically necessary care, is very common. Individuals may also be able to tap into an existing life insurance policy or turn to third parties for help in paying for these needs. Those who are getting older may wish to start planning for long-term care now when it may be more accessible and affordable to purchase.