Is Meals On Wheels Covered By Medicare?
Hi, my mother is 86 and recently had knee replacement surgery. She is currently in a rehab center to regain her strength, in which she is doing. She lives alone and is on medicare (spouse covered) in which she has medicare part B. She is able to pay her $80 prescription copayment but I want to know if she can apply for meals on wheels covered by medicare, which is a lot cheaper than the $4.00 per meal she is currently paying. I understand she can apply for medicare advantage plan, but I do not know if she qualifies for the plan. I have a hard time finding information about it. The only information I can find is about Medicare Advantage Plans and how to apply.
Medicare Supplement Plan F may cover the cost of meals that you get from a home health or community services agency. You should check with your supplemental insurance plan to find out.
You may also be able to get help with this expense from your local Area Agency on Aging.
Nursing home costs
What is the average cost of living in a nursing home and does my mother have to pay something out of pocket?
My mother is 92 and is having problems with her heart, getting around and having to take medication for her heart and for blood pressure which she is also on a low sodium diet.
She is able to cook for herself but is experiencing more fatigue.
We are concerned about her living alone and she is not prepared to be a burden to her loved ones.
Our concern is whether or not she is going to need to live in a nursing home.
We want to know what the average daily cost of living in a nursing home is for someone her age.
We are looking at facilities in our area that are Medicare approved.
I want to know what she is going to be required to pay out of pocket and if the facility she is looking at is a Medicare approved facility.
We want to keep her out of the hospital.
The average daily cost of nursing home care in 2009 was $183. The Medicare Part A deductible for most beneficiaries is $1320 for the year, so your mother will have to pay that in 2010 before her Medicare coverage kicks in.
Medicare covers nursing home care
How do I find out if my mother is eligible for medicare?
She is 86, but seems okay physically.
There is no way she could afford the nursing home bills and I don't want to see her go.
She would have to go into an unsubsidized facility, and it would cost each month about $7,000.
I don't know how she would be able to afford that.
Can you please tell me what I need to do or check to determine if she is eligible for medicare?
Your mother would be eligible for Medicare based on age, and depending on her income, possibly for Medicaid.
If her income is under $8100 per month she would qualify for Medicaid, and if it is over $8100 per month she would qualify for Medicare.
You should call Social Security and find out if she qualifies for Medicaid or for Medicare.
If she does not qualify for Medicaid or Medicare, she may be able to get help with paying for the nursing home from your state Medicaid program, or the Area Agency on Aging.
Reverse mortgage and Medicare
My mother is 82 and in a nursing home. She is on Medicare and has a reverse mortgage on her home. She wants to know if she needs to be worried about her home equity plan if she were to die before paying it off.
Medicare will not affect your mother's reverse mortgage.
In general, the terms of reverse mortgage do not change when the homeowner dies.
The reverse mortgage will be paid off from the proceeds of the sale of the house.
If your mother is divorced, the reverse mortgage proceeds will be divided between her and her ex-spouse.
Insurance and Medicare
My wife and I are 65. We have a private insurance policy plus a supplemental Medicare policy. We have very high deductibles, but our premiums are low. We have about $1000 in medical bills this year. We also have a very expensive bone disease. The insurance company is not paying for our medication because it is not covered. We have gone to a couple of doctor's appointments this year but we have decided we will not go to the doctor unless we are really sick. We are not worried about going into the hospital because if this happens we will use our supplemental Medicare policy.
You have a Medicare Supplement Plan F, which is the most popular plan.
If your supplemental Medicare policy does not cover the cost of your prescription drugs, you should apply for Extra Help, if you qualify.
The name of your supplemental Medicare policy is good.
The supplemental Medicare plan you have will not pay for your prescriptions if they are not on the plan's formulary.
You will have to pay the entire cost of the prescription out of your own pocket until you apply for Extra Help.
After you apply for Extra Help, you will only have to pay $2.65 per prescription, until you and your wife have spent $2400 on prescriptions that year.
At that point, you will pay $4.50 for each prescription until the end of the year.
This policy also covers the hospital portion of Medicare deductibles and coinsurance, so you will not have to pay for the first 60 days of your hospitalization.
If you end up using the supplemental Medicare policy to cover your hospitalization, you will only be liable for the coinsurance portion of the bill.
Medicare Supplement Plan F does not cover the Part B deductible, so you will have to pay the Part B deductible before your supplemental Medicare policy kicks in