Care area
Insurance & paying for care
Medicare, Medicaid, private insurance, and costs you may need to pay yourself.
Comparing a Medicare Summary Notice with a home health billMatch a Medicare Summary Notice to home health invoices, read the payment columns, check receipts, and prepare focused questions about differences.Does Medicare Pay for a Hospital Bed at Home?Learn when Medicare covers a hospital bed at home as durable medical equipment, what you pay, and what to ask the supplier before delivery for your family.Getting Medicare Notices in SpanishLearn how to request Medicare notices and the handbook in Spanish, change your language choice, and get free interpreter help on Medicare calls.Long-Term Care Insurance Waiting Periods, ExplainedLearn how long-term care insurance waiting periods work, when the clock starts, calendar days vs service days, and the steps to file a claim with confidence.Medicaid Spend-Down in Plain LanguageLearn how Medicaid spend-down works for income and savings, spousal protections, and records to keep, in plain language with clear steps you can use today.Medicare Open Enrollment: A Care-Needs Checklist (Oct 15 – Dec 7)Use this plain care-needs checklist during Medicare Open Enrollment, Oct 15 to Dec 7, to compare plans against real care, drug, and provider needs at home.Veterans Benefits That Can Help Pay for Care at HomeLearn how VA pension, Aid and Attendance, and Housebound benefits can help veterans and spouses pay for care at home, and how to check if you qualify.What a Caregiver Contract Can and Cannot DoLearn what a family caregiver contract should cover, what it cannot promise, and why clear records and advice matter before care and payment begin at home.Who Pays When Medicare Home Health Coverage Ends?Learn who pays when Medicare home health coverage ends, what costs may remain, and what steps to take next to plan care and protect your budget at home.Checking Medicare Savings Programs and Extra HelpSome people have a hard time paying Medicare costs. They may qualify for help.Medicare Medicaid insurance and private pay: separating the billsOne care plan can have more than one payer.Preparing a care budget that includes more than the monthly rateA useful care budget includes the regular bill, occasional expenses, and a plan for changes.What to do when a care claim or coverage request is deniedA denial can concern eligibility, a requested service, a bill, or an authorization.