Medicare for Long-Term Care Plans, Longview TX
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Long-term care can be expensive, especially if the person is suffering from any chronic illness, disability or cognitive impairment. Plan ahead and reduce medical expenses for an extended period of care with Thomas Insurance Services.
We are Medicare and long-term care specialists with more than 39 years of experience. Share your medical needs and get the best long-term care plan in East Texas.
Understanding Medicare for Long-Term Care
Medicare typically does not cover long-term care. Medicare however help with some long-term services that are medically necessary to treat an illness or injury.
Skilled Nursing Facility (SNF) Care
Skilled nursing is required for some medical conditions such as heart attack and critical care.
Medicare Part A covers limited stays at a skilled nursing facility for specialized medical services such as rehab, physical therapy, wound care, and intravenous medications.
Medicare however provides full coverage for the first 20 days, and from day 21 to day 100 except for copays. After 100 days, you have to cover the entire medical costs.
In-Home Care
Most people like aging at home and that’s where in-home care agencies come into the picture.
Medicare Parts A and B cover in-home care services, such as part-time skilled nursing care, physical and occupational therapy, speech-language therapy, and injectable osteoporosis drugs.
Hospice Care
Hospice carers provide medical care to terminally ill patients. This includes hospital visits, health management, medical devices, physical therapy, short-term respite care, and family counseling.
Medicare Parts A typically covers hospice care except small copays for respite care. Medicare also does not cover room and boarding charges.
Customizing Long-Term Care Plans for Medicare Beneficiaries
Everyone’s medical situation is different and so are their long-term care needs. That’s where Thomas Insurance Services brings its Medicare expertise in Longview Texas to the table.
We work with various reputable insurance companies, ensuring you are never short of Medicare and long-term care plans. Our licesned team will weigh all the long-term care plans, including benefits and features.
We can also customize a long-term care policy that meets your individual needs and fits within your budget. Speak with one of our representatives at (903) 353-4204 and start planning for your future medical needs.
Extra Medicare Solutions to Finance Long-Term Care
Medicare for long-term care does not cover all the medical services one may require. At Thomas Insurance Services, we provide comprehensive coverage for long-term care with alternative Medicare solutions, including
- Medicare Advantage Plans: Some Advantage plans provide extra Medicare long-term care benefits.
- Medigap Plans: Medigap plans can help with coinsurance and copayments costs associated with long-term care.
Our in-house team helps you make an informed decision, ensuring your health is not affected due to rising medical costs in Texas.
Long-Term Care Planning
Life is unpredictable but planning for your future care as you near or older than 65 is a wise decision.
Thomas Insurance Services helps you manage potential challenges associated with aging, chronic illness, or disability.
- Educating about Medicare and long-term care plans available.
- Choose the type of care you need among at-home care, nursing, and additional options.
- Tailoring long-term insurance plans to cover extra medical care costs, including hospitalization and specialized nursing care.
- Professional assistance on how to apply for Medicare and Social Security benefits.
Start long-term care planning today and secure you and your family future.
Eligibility for Long-Term Care under Medicare
You must be a part of Original Medicare (Part A and Part B) to avail of long-term care benefits, including for
- Physical disability or cognitive impairment
- Terminal illness or end-stage renal disease.
Your Long-Term Care Specialists in East Texas
Thomas Insurance Services understand the challenges that come along with custodial care for Texans. Our seasoned Medicare specialists will help you plan and implement long-term care plans in East Texas without any hurdle.
We educate and empower people to make informed decisions about their potential medical needs within budget. If you or anyone in your family is nearing or crossed 65, we are just a phone call away to plan Medicare.
Frequently Asked Questions
During the initial consultation, our Medicare agents will work with you to understand your long-term medical care needs and budget. They can also assist you with the process of applying for Medicare and Social Security if you are turning 65.
There is no standard frequency for reviewing your long-term care plan. It’s a good practice to revisit it during significant life events such as marriage, birth of a child, death of the spouse, change of income, or emergency of new health changes.
Medicare is a comprehensive health insurance program that majorly covers acute health care services. It however covers some long-term care services such as
- Skilled Nursing Facility (SNF) Care
- Home health care
- Hospice care
There are certain conditions to receive the financial benefits. Speak to Medicare agents at (903) 353-4204 for more information.
Medicare typically does not cover the following services for long-term care plans:
- Custodial Care: This includes help with daily living activities like bathing, dressing, and using the bathroom.
- Long-Term Care in Nursing Homes: It only covers a part of skilled nursing care.
- Assisted Living: Medicare does not cover assisted living facilities such as meal preparation, personal care, housekeeping, and recreational activities.
Long-term care can be expensive but there are additional options for Medicare enrollees:
- Medicare supplement plans
- Medicare Advantage plans
- Long-term care insurance plans
- Medicaid
- Program of All-inclusive Care for the Elderly (PACE)( available in selected states)
Unsure which is right for you? Speak with our Medicare agents at (903) 353-4204 today.
Secure Medicare and Long-Term Care With J.L. Thomas Insurance
Thomas Insurance Services provides all the help you need to secure long-term care for yourself or anyone in your family or friends. As rising medical costs continue to haunt Texans, our licensed Medicare agents can take you through different affordable solutions.
We are honest and unbiased toward our clients. Our team does all the groundwork, ensuring confidence and complete peace of mind for you and your family.
Do not delay and start your Medicare journey earliest with us.
Contact Us Today
As Medicare enrollees, if you foresee extended medical care, contact us today at (903) 353-4204. Our knowledgeable team will understand your complex medical needs and suggest the best course of action.
Take the first opportunity and choose J.L. Thomas Insurance for personalized advice on Medicare and long-term care planning in Longview and all East Texas.
