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Does Medicare Cover Long-Term Care For Dementia? Here’s All You Need To Know

Does Medicare Cover Long-Term Care For Dementia

Dementia is a word used to describe a condition in which one’s thinking, memory, and decision-making abilities have deteriorated to the point of interfering with daily tasks. Patients with Dementia who have medicare can anticipate medical services such as inpatient care and doctor visits to be covered. However, medicare never covers respite care. You can expect to pay for in-home caregiver services yourself if you require them. If the individual with Dementia is a Medicare beneficiary, medicare will cover some of the care costs, but not all of them. Also, Screenings, psychological therapies, and care planning are all things that medicare can help with now. Those who have Part D will also be covered for their medications. After reading this blog, we hope that you will be clear on the question “does Medicare cover long-term care for Dementia?”.

Early-Stage Dementia Benefits Under Medicare

Annual Wellness Visit 

It is critical to correctly diagnose Dementia to construct an appropriate Care Plan, which is vital as an individual prepares for the middle and late stages of Dementia. Moreover, medicare will cover an annual wellness visit, which includes questions about an individual’s health.

Diagnostic Testing

If a physician requests it, medicare will reimburse the expense of diagnostic testing. This could include CT scans, MRIs, and PET scans, which allow doctors to detect any abnormalities in the brain.

Services for Mental Health

Medicare provides free annual depression testing. Mental health treatments are also accessible, including inpatient psychiatric care, outpatient counseling, psychiatric examinations, and medication management.

Dementia in the Middle Stages

Caregiver Training

In 16 states, medicare provides caregiver training by offering home health nurses for families or caregivers of dementia patients. 

Day Care for Adults

PACE (All-Inclusive Care for the Elderly) is a Medicare-Medicaid program that combines Medicare and Medicaid to provide services that keep those who need nursing home care from entering one. Dementia patients may also be eligible for adult daycare, which is one of the benefits provided.

Late Stage Dementia

Hospice Care for Dementia Patients

Hospice care, funded by Medicaid Part A, may be required in the end stage of Dementia.

Medications for Dementia

Many people with Dementia require prescription medicines. Also, according to Consumer Reports, the average person with Dementia spends $200 to $400 per month on drugs.

Does Medicare Cover Long-Term Care For Dementia?

Medicare covers some of the costs of Dementia care. It excludes all forms of long-term care. However, it does include the following:

  • Medical treatment in a hospital
  • Semi-private rooms are available
  • Meals
  • Nursing care in general
  • Medications
  • The hospital provides diagnostic testing as well as 100 days of expert nursing home care.
  • Palliative care

Long term Medicare’s Benefits for Dementia

So, as per 2019, some long-term care treatments and supports are now available as supplemental health benefits under Medicare Advantage (MA) plans.

The following are some examples of available benefits that can be very beneficial to people with Alzheimer’s:

  • Adult daycare is available
  • Home modifications (wheelchair ramps, grab bars)
  • Emergency response systems for individuals
  • Care for those who require a break
  • Assistance with personal care
  • Services of a housekeeper

Bottom Line

The financial burden of Dementia may appear to be insurmountable, but medicare can help. While many people regard medicare as medical insurance, it does cover some of the personal care required for loved ones with Dementia in the many ways outlined above. Also, Alzheimer’s disease, vascular Dementia, frontotemporal Dementia, and Lewy body dementia are all progressive diseases that proceed from one stage to the next. Furthermore, Care requirements change over time, and Medicare benefits can be tailored to meet specific requirements. Now, we are certain that the question “does Medicare cover long-term care for Dementia?” has been answered in this blog, and you will not face any doubt regarding this.

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