Does Medicare Pay for Independent Living?

Medicare is a national healthcare insurance program available to all individuals age 65 and above. Those under age 65 and disabled are also eligible for Medicare enrollment. Since seniors can benefit from the healthcare program, learning how it works for them is key for living happy and well, especially if they’re part of an independent living community.

Seniors enjoying these living communities can expect a variety of services and amenities, such as dining, transportation, and social and recreational activities. One of the major differences between independent living and other forms of residential care, like nursing homes, is that these communities do not often provide medical care support. Because of this, Medicare does not cover all independent living costs.

What Does Medicare Cover? 

While seniors can’t expect Medicare to cover all independent living costs, depending on eligibility, it can help with certain expenses, including:

• Hospital insurance: Medicare Part A covers inpatient hospital stays, care in a skilled nursing center, hospice care, and select home health care.
• Medical insurance: Medicare Part B covers services from a doctor, some outpatient care, medical supplies, and preventive services.
• Medicare Advantage Plans: When in contract with a private company, Medicare Part C offers both Part A and Part B benefits as well as prescription drug coverage.
• Prescription drug coverage: With Medicare Part D, Original Medicare, some Medicare Cost Plans, Private-Fee-for-Service Plans, and Medical Savings Account Plans have prescription drug coverage.

Furthermore, individuals with Medicare can check the type of coverage they have by reviewing their red, white, and blue Medicare card as well as any other insurance card. For more details on specific healthcare programs and prescription drug coverage, contact information is also always available on those cards.

Encore at Avalon Park Have You Covered

If you or your senior loved one need further assistance on learning how they can benefit from Medicare while at an assisted living community, Encore at Avalon Park is here to help. Not only do our senior residents receive attentive, expert care, but they also enjoy comfortable accommodations, and have access to recreational games, social activities, and healthy meals that make them feel right at home.

Visit Encore at Avalon Park and see for yourself why we’re the premier senior living solution in the Central Florida area. Call us today at 407-270-7500 to schedule your socially-distanced virtual tour.