Older adults needing elderly care may be eligible for some government health care benefits. Caregivers, who provide eldercare, can help by learning more about possible sources of financial help and assisting older adults in applying for aid as appropriate.
Several federal and state programs provide help with health care-related costs. Over time, the benefits and eligibility requirements of these programs can change, and some benefits differ from state to state. Check with the individual programs directly for the most recent information.
Eldercare Locator
The Eldercare Locator provides caregivers with information about Support Services, Housing, Elder Right, Insurance Benefits, Health an Transportation.
The Eldercare Locator is a nationwide service that connects older Americans and their caregivers with trustworthy local support resources. The Eldercare Locator links those who need assistance with state and local agencies on aging, as well as community-based organizations that serve older adults and their caregivers. Whether help is needed with services such as meals, home care or transportation, or a caregiver needs training and education or a well-deserved break from caregiving responsibilities, the Eldercare Locator is there to point that person in the right direction.
The Eldercare Locator is a public service of the Administration on Aging (AoA), an agency of the U.S. Administration for Community Living.
Use the Eldercare Locator to find help in your community:
https://eldercare.acl.gov/Public/index.aspx
Program of All-Inclusive Care for the Elderly (PACE)
Some states offer PACE, Program of All-Inclusive Care for the Elderly, a combined Medicare and Medicaid program that provides care and services to people who otherwise would need care in a nursing home. PACE covers medical, social service, and long-term care costs. It may pay for some or all of the long-term care needs of a person with Alzheimer’s disease. PACE enables most people who qualify to continue living at home instead of moving to a long-term care facility. Participants receive coordinated care from a team of health care professionals.
You will need to find out if the person who needs care qualifies for PACE and if there’s a PACE program near you. There may be a monthly charge. PACE is available only in certain states and locations within those states.
Search for PACE Plans in your area:
https://www.medicare.gov/plan-compare/#/pace?year=2023&lang=en
Medicare
This federal government health insurance program helps pay some medical costs for people age 65 and older, and for people younger than 65 with certain disabilities and serious health conditions. Covered services include hospital stays, doctor visits, some home health care, hospice care, and preventive services such as vaccinations. The program does not cover assisted living or long-term care. Medicare components include Part A (Hospital Insurance), Part B (Medical Insurance), and Part D (Drug Coverage). Medicare Advantage is another option for obtaining Part A and Part B coverage.
Call Medicare at 800-633-4227 or visit Medicare.gov for more information.
Medicaid
Medicaid is a combined federal and state program for low-income people. This program covers the costs of medical care and some types of long-term care for people who have limited income and meet other eligibility requirements. Eligibility and covered services vary from state to state.
Locate your state Medcaid provider at:
https://www.medicaid.gov/about-us/beneficiary-resources/index.html#state...