Medicare is a government health insurance program that will pay for certain health services for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD).
Medicare does not pay for long-term care. Medicare pays only for medically necessary skilled nursing facility or home health care services. Furthermore, certain requirements must be met for Medicare to pay for even those types of care. Medicare specifically will not pay for custodial and non-skilled care.
The four different parts of Medicare help cover specific services if you meet certain conditions.
Medicare has the following parts:
Medicare Part A (Hospital Insurance)
Medicare Part B (Medical Insurance)
Medicare Part C (Medicare Advantage Plans – like an HMO or PPO)
Medicare Part D (Medicare Prescription Drug Coverage)
The Arizona State Health Insurance Assistance Program (SHIP) can help you understand and navigate your Medicare options.
Medicaid is a joint federal and state program that helps with medical costs for some people with low incomes and limited resources. The Arizona Health Care Cost Containment SystemExternal Link (AHCCCS) is Arizona’s Medicaid program. Medicaid pays for certain health services and nursing home care for older people and persons with disabilities. Medicaid also pays for some long-term care services at home and in the community. Eligibility is based on income, personal resources and functional ability (must require nursing home level of care).
If you are veteran, the Veterans Administration (VA) may pay for long-term care service related disabilities or for certain eligible veterans. They provide a complete network of long term care services that include direct VA provided services, as well as services purchased in the local community. If you are eligible for long term care services, co-pays may apply (depending on your income level). Explore the AZ Links Veterans Resources page for more information.