What are Your Options for Medicare Home Health Care Philadelphia PA

When you are facing the time at which it’s necessary to find help for your loved one, it’s normal to wonder about costs and coverage. Whether it’s finding a facility or employing an aide through an agency like Aurora at Home, planning is important. One program that many people use is Medicare home health care Philadelphia PA. It helps with not only caregiving but also medications.

Medicare vs. Medicaid

Medicaid is a Federal program working within your state. It provides health coverage to people with limited incomes. Medicare, on the other hand, is federal health insurance for people ages 65 and older. The one exception is that a disabled person under 65 may also qualify for Medicare.

So when you reach out to agencies like Aurora at Home, there is help. We can provide some insights into navigating the healthcare system.

The Four Parts of Medicare

Your Medicare elder care options for home health care in Philadelphia have four parts.

Part A: This covers some inpatient care, facility care, hospice care, and home health care.
Part B: Health care provider services, outpatient care, durable medical equipment, preventative services, and home health care.
Part C: This allows you to choose a provider of your choice (like a PPO or HMO). If you join an Advantage Plan, it will manage Part A and Part B. These plans may offer extra converge for dental, wellness, programs, and vision tests.
Part D: Prescription drug coverage

If you paid Medicare taxes long enough, Part A comes at no cost to you. Part B premiums are 16

4.90 monthly, depending on your income. This fee may change annually. Part C costs depend on the plan you’ve chosen. Like Part B, the premium may change.

Medicare Advantage Plan vs. Original Medicare

With Medicare Advantage, you have chosen a specific plan for your coverage. That means you must use the professionals within the plan’s network. There is a premium you must pay for Medicare Part B. You cannot add supplemental coverage like Medigap.

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Getting the Ball Rolling

When you (or your loved one) turn 65, it’s time to put together a Medicare application. Decide between original Medicare or Medicare Advantage (part C). Consider if you want prescription coverage or supplemental coverage like Medigap.

What if I already Have Insurance?

If you or your loved one has other health insurance, like from an employer, all bills must go through that coverage first (primary). Medicare is a secondary payer. Note, that bills MUST go to the primary first, before Medicare will consider them.