There are several payment options to check into when purchasing adaptive equipment for seniors.
Do you think your senior loved one could benefit from more security in the shower or bathtub? Does he/she need a walker or rollator to move around? If that’s the case, it’s very likely that you’ll soon be looking to buy the in-home adaptive devices that so many families rely on to keep seniors safe. It’s also likely that you’re asking yourself how to cover the cost for these adaptive items, and if any of them might be covered under Medicare or insurance.
Like in-home care services, there are various different options when it comes to buying the home care supplies and equipment to keep seniors safe. Below are some of the possibilities available to assist you or a loved one in acquiring home medical supplies, courtesy of the Burlington IA rehabilitation service experts at Advanced Home Health Care:
Medicare
If the senior has Medicare Part A and is eligible for the Home Health Benefit, then Medicare will pay for 80 percent of the allowable cost for medically required durable medical equipment. If a senior is covered by Medicare Part B, he or she is not required to qualify for the Home Health Benefit, and Medicare will cover 80 percent of the allowable amount for medically necessary durable medical equipment.
Veterans’ Administration (VA)
The Veterans’ Administration is particularly helpful in furnishing durable medical equipment to men and women who qualify. Veterans or the spouse of a veteran may be qualified for benefits. Learn more at the VA Website.
Other Methods to Pay for Home Care Equipment
If an individual does not qualify for Medicare or obtain benefits from the Veterans’ Administration, there are a couple other possibilities to help cover the cost for home care products to keep seniors safe. Following are a few tips for utilizing long-term care or health insurance and private finances to afford the equipment needed:
Long-Term Care Insurance/Health Insurance
If the equipment or supplies required are medically necessary, they may be partly covered by some private insurance carriers. Coverage is either according to the person’s coverage, or, if the person seeking coverage is a dependent, then the family policy should be evaluated for specifics on dependent coverage.
Keep in mind, though, that while having your insurance provider cover some of the expense may seem like the best idea, it may be possible to find the products you need at an “out of network” supplier with a discounted price.
Private Finances
If your senior loved one needs home care equipment that is not covered by private insurance, think about looking into equipment rental solutions or formerly owned items such as wheelchairs, scooters and handicap vans. Pre-owned equipment ads may be found in disability publications as well as on websites such as www.Craigslist.org, www.ebay.com, and www.unitedaccess.com.
If you would like additional assistance either in choosing or acquiring home care equipment and other adaptive devices for a loved one, contact the Burlington, IA home care experts at Advanced Home Health Care today. We can provide a free in-home assessment, make equipment recommendations, arrange for order and delivery, and answer any other home care related questions you may have. Contact us online or call us at 800.791.7785. To see our full five county service area, click here.
