Tips & Advice
What is a DME claim?
A durable medical equipment (DME) claim is a form you fill out to get reimbursed for expenses that you paid for and are covered by insurance. If you bought something directly from the supplier, and it qualifies, you can be reimbursed by Medicaid insurance.
Which medical supplies are covered through Medicaid?
Medicaid will cover necessary durable medical equipment that your doctor prescribes for your in-home use. They must be durable, used for a medical reason, not typically useful to someone who isn’t sick or injured (like crutches or a wheelchair), is used in the home, and has a minimum of a three-year life expectancy. If your condition has extenuating circumstances, you can file a claim or speak to a Medicaid rep to discuss your options.
What are consumable medical supplies?
Consumable medical supplies are either disposable, or unable to withstand repeated use. They are items that get used up, and generally fall into the categories of bandages, antiseptics, and skin preparations. These are usually one-off products that cannot be reused.
Are medical supplies covered by insurance?
Most insurance companies and policies cover equipment that is prescribed by a doctor to treat or assist a patient in need. There can be exceptions and coverage might not necessarily be 100%, so the only way to know for sure r is to consult your policy or insurance rep. Most items of real need are covered. Supplemental insurance can offset many costs not covered by a standard policy. The good news is that if a doctor prescribed it, you are likely covered.
What is durable medical equipment?
There are two main types of medical equipment: disposable and durable. Durable medical equipment provides therapeutic benefits to a patient who is in need because of an illness or medical condition. Durables are usually reusable items, including beds, wheelchairs, breathing machines, canes or crutches, and monitors.
Is assisted living the same as a nursing home?
An assisted living facility is not the same as a nursing home. Nursing homes provide skilled nursing care for those who suffer from conditions or disabilities that call for intensive, ongoing medical assistance. Assisted living facilities typically cater to seniors who need less medical care and who require a living situation that provides more independence than is typical at a nursing home.
However, some assisted living facilities also provide skilled nursing care for residents who need it. At several locations around the country, you can find independent living, assisted living and skilled nursing facilities all on the same campus, allowing residents to make a smoother transition from one to the other.
How much does it cost to live in an assisted living facility?
The cost of residing in an assisted living facility can vary based on location and the size of the unit being rented. The national median average for renting a one-bedroom apartment in an assisted living facility comes in at around $3,500 per month.
If you have long-term care insurance, this coverage will usually assist with the costs associated with residing in an assisted living facility. Some seniors who don't have long-term care insurance cover the costs associated with assisted living by selling their homes. In cases where a couple owns property and only one person in a couple requires assisted living, the partner who is remaining at home will sometimes take out a reverse mortgage on the property to cover costs.
What services are provided in assisted living facilities?
Assisted living facilities provide a wide range of services that can help seniors who have trouble handling tasks related to basic self-care. These facilities can provide daily meals, and assist with bathing, grooming, and toileting. They can help with basic housekeeping and laundry, and they also provide 24-hour security that creates a safe environment for seniors. Assisted living facilities can also provide seniors with easy access to transportation, and offer social programs that can help give seniors a sense of community.
Is assisted living covered by Medicare?
Medicare doesn't typically cover costs directly associated with assisted living. However, Medicare might be used to pay qualified healthcare costs for someone who is staying at an assisted living facility. These costs may include expenses associated with doctor visits and prescriptions.
While Medicare doesn't usually cover assisted living, it typically covers the costs directly associated with staying in a skilled nursing facility (also known as a nursing home). Medicare also commonly covers the cost of hiring a professional to provide home health care.
What is an assisted living facility?
An assisted living facility is a residence that provides long-term care and support for seniors, while allowing them to live more independently than they would if they were residing in a nursing home. These facilities can provide seniors with regular meals and assist with tasks such as bathing, medication management, basic housekeeping, laundry, and getting dressed. Assisted living facilities also provide round-the-clock security and assistance with transportation. Some assisted living facilities provide access to skilled nursing care for those who need more intensive medical support.