As a major United States heath insurance provider, United Healthcare provides coverage for an array of conditions and does offer certain protections for senior care. However, they type of senior care costs that are covered will depend on the type of policy one has. When it comes to senior care, United Healthcare offers Medicare Supplement Plans and Medicare Advantage Plans. Each of these help expand upon United Healthcare’s coverage options for senior care.
What Do United Healthcare’s Medicare Advantage and Supplement Plans Cover?
United Healthcare offers numerous Medicare Supplement Plans with specific benefits and coverages, and certain plans may only be available in specific states or regions. The most popular are Plan A, B, C and D. Part D primarily deals with prescription medication coverage and is often included as a part of other plans such as Part B, C and Medicare Advantage. Some may call these policies Medigap. Medigap is a supplement program designed to help ‘fill in coverage gaps’ that may exist between United Healthcare and Medicare plans up their limitation amounts.
Part A Plans with United Healthcare cover Medicare Part A co-insurance payments and hospital costs up to one year after Medicare Benefits are expended. It also pays for hospice care co-insurance and co-payments for such care in addition to Part B co-payments, but doesn’t cover any co-insurance related to skilled nursing or facilities. United Healthcare Part B and Part C plans offer to cover a number of senior care expenses, including 100% of nursing homes and skilled nursing care. However, those with Part C will also have some of Part B deductibles reimbursed, making these great options for those seeking a Medigap Plan.
However, those seeking all-in-one plans with Part A and B benefits in addition to drug coverage and several senior care expenses should look into United Healthcare’s Medicare Advantage policies. It’s important to note that one cannot have traditional Medicare and an Advantage policy simultaneously.
United Healthcare Insurance to Pay for Nursing Homes & Skilled Nursing
Medicare will only cover medically related expenses for a short period when prescribed by a doctor. However, seniors with a United Healthcare policy supplemented with Part C or Medicare Advantage will enjoy greater levels of coverage for skilled nursing care and nursing home living. Individuals who require regular medical care and support in a home like setting will want access to supplemental coverage through Medicare or a long term care insurance policy. To qualify, one must have a doctor deem this care necessary, and beneficiaries must use providers and facilities that are within the coverage plan and who are licensed by the state. Another option for skilled medical and nursing home care for United Healthcare policy holders may include the Medicare Advantage Special Needs Plan, which is available in certain states.
United Healthcare Insurance to Pay for Assisted Living
Assisted living facilities are primarily designed to allow individuals to live in a home setting where they have staff support and amenities on a daily basis. Typically, residents stay here long term and reside in an apartment, home or a dedicated suite where they carry about their lives in privacy. However, medical care is generally not provided in assisted living, meaning that Medicare typically will not cover the expenses, nor will United Healthcare’s basic medical policies. Those staying in assisted living facilities that offer medical care may qualify for some medical coverage when it’s deemed skilled nursing care with the right supplemental policy.
United Healthcare Insurance to Pay for Hospice Care
Hospice care provides around the clock care for patients who are terminally ill and are no longer pursuing life-saving treatments. This type of care aims to allow the patient to transition pain-free and with dignity either in a hospice facility or within their home. Some United Healthcare policies over limited coverage for both hospice and palliative care as a part of their basic policy. However, this care can be costly and a United Healthcare specialized hospice policy might be more effective should such care become necessary. Hospice coverage is also available on some level through Medicaid and Medicare with or without a United Healthcare policy.
United Healthcare Insurance to Pay for In-Home Care
Seniors with full or partial disabilities who require periodic or part-time care within the home due to being homebound will typically have such coverage available under a United Healthcare Medicare Part A, C, or the Medicare Advantage program. Long term care policies are also a good source for in-home care coverage. Those covered typically have access to home health care aides in addition to skilled medical care for in-home physical, speech or occupational therapy. Depending on need and whether a doctor prescribes them, certain medical supplies may also be covered under certain policies.
How Can I Get United Healthcare Insurance to Pay for Senior Care?
Experts advise having policies in place for senior care prior to needing it, but those eligible for Medicare might have the ability to apply for a United Health Care Medicare Advantage Plan or other supplemental policy later in life. It’s important to remember that every insurance policy and supplement plan vary in coverages and their limitations, so buying from a reputable agent is recommended. However, these policies can also be purchased online. Be sure to choose a policy that covers skilled nursing, nursing home care, in-home care and any other services you think you might need in the long-term.
What Other Options Exist to Pay for Senior Care?
Senior care is most often covered through three primary sources: Medicaid, long term insurance policies and private payments, especially when non-medical care is required. Some patients use a combination of their United Healthcare supplement policies and another form of payment depending on whether their care is medical or non-medical in nature. However, many individuals use equity in life insurance policies, retirement funds, investments or sell their home in effort to pay for senior care.