Medicare is affordable health insurance for individuals meeting specific criteria. It includes coverage for both hospital and medical home care. Many individuals receiving Medicare benefits also choose to purchase supplemental insurance to help with the cost of prescription drugs. While some senior citizens are automatically given Medicare benefits at a certain age, there are other eligibility requirements Colorado Springs senior care providers want caregivers to be aware of.
Age and Citizenship
All United States citizens who are 65 years of age or older can be enrolled in Medicare. There is no qualifying income level needed to receive Medicare benefits and there are also no pre-existing health conditions that can exclude one from receiving Medicare.
Permanent residents of the United States who are 65 or older are similarly eligible for Medicare provided that they have continuously lived in the United States for five or more years.
If your loved one is neither a United States citizen nor a qualifying permanent resident of the United States, Medicare will assist him or her with the cost of hospital care if he or she falls into certain specialty groups, such as those who receive disability benefits from the Railroad Retirement Board or Social Security. Medicare coverage begins the first month in which disability benefits are received. Please be aware that these individuals will need to pay premiums for medical coverage, such as routine doctor office visits.
Those under age 65 who meet the U.S. citizen or permanent resident criteria described above can receive Medicare if they have received Social Security Disability Insurance (SSDI) for a minimum of 24 months. Individuals who are younger than 65 can also be enrolled in Medicare if they have either:
- End-Stage Renal Disease (ESRD), which is kidney disease requiring a kidney transplant or dialysis, or
- Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s disease
For additional guidance regarding Medicare eligibility, please consult with a qualified attorney in your area.
Although Medicare does not cover non-medical home care services, there are other federal aid programs available that will cover Home Care Assistance of Colorado Springs. As a leading provider of live-in, hourly, and respite care in Colorado Springs, we are dedicated to helping seniors age in place with dignity. Our expertly trained caregivers help clients with daily acts of living including meal preparation, laundry, housekeeping, errands, and so much more. Call (719) 822-1229 today to learn more about our services and how they can benefit your loved one.