Ancillary Products

The great new is that there are solutions to all the areas that Medicare does NOT cover. 

LONG TERM NURSING CARE FOR MORE THAN 100 DAYS.

• Skilled Nursing vs. Unskilled needs
  • A skilled need: A task that requires the skill of a nurse or physical therapist or speech pathologist.
  •  An unskilled need: Something that anyone could do (ex. Assisting an elder adult to bathe, dress, groom etc.

What is the difference between Skilled Nursing Care vs. Custodial Care?

HOME CARE:

• Homemakers
• Companions
• Home Health Aides
• Short-Term or Long-Term 

 "Unskilled" Services

HOME HEALTH CARE: 

• Registered Nurses
• Physical Therapists
• Occupational Therapists
• Short-Term 

“Skilled” Services 

Part A Skilled Nursing Facility Co-Payments (2022): 

• Days 1-20: $0.00/day
• Days 21-100: $194.50/day
• Days 101+: Medicare Beneficiary is 100% responsible to pay all costs. 

Medicare Home Health Benefits: If you meet the Medicare requirements, Medicare will pay for the same type of services received in a skilled nursing facility at home:

• Nursing Care
• Physical Therapy
• Speech Therapy
• Occupational Therapy
• Medical Social Services
• Home Health Aide Services
• Medical Supplies & Durable Medical Equipment 

Ways to cover these costs that Medicare does not cover: 

• Self-Insure: Utilize personal resources that you’ve worked your whole life for. 
• Medicaid: You spend down ALL of your assets to the last remaining $2,000 & become a burden on the State to care for you. With this choice, you will receive your care in one of their State-run facilities.
• LTC/STC Insurance: This is an insurance plan that you put into place BEFORE you need the type of care that you will more than likely need to receive. This is where we at ENROLLMENT BENEFITS HUB are able to provide you detailed information to help you navigate this area that you are exposed to.

ADDITIONAL THINGS THAT MEDICARE DOES NOT COVER: 

• Annual physical exams, except for a one-time “Welcome to Medicare” exam when you join Medicare and an annual wellness visit every twelve months. 
• Acupuncture, Naturopathy etc.
• Routine Foot Care
• Cosmetic Surgery
• Hearing Aids
• Dental Care/Dentures
• Vision 

ADDITIONAL THINGS THAT YOU CAN PUT IN PLACE TO COVER THESE AREAS THAT MEDICARE DOES NOT COVER: 

• Dental, Vision & Hearing Plans
•  Hospital Indemnity Plans that cover Co-Pays associated with the Advantage Plans (these cover Hospital stay co-pays, ambulance co-pays, Out Patient Surgery co-pays, Urgent Care co-pays, Physical Therapy/ Chiropractor co-pays.
• Cancer Plans to cover the unexpected diagnosis of Cancer (ie: experimental drug treatment, expenses associated with room & boarding of a loved one visiting to help out etc.)
• Final Expense Coverage for when you pass away.

No matter what you are going through, that Medicare does NOT cover, let the experts at ENROLLMENT BENEFITS HUB give you the guidance to make sure you have the best possible coverage that fits your needs.