Medicaid, Medicare, and other insurance (such as life and estate) become increasingly important as we continue to age. With the changes brought forth with the Affordable Care Act, a new challenge is added as individuals struggle to understand how policy changes will affect them.
In an earlier newsletter, Elder Law News shared updated information about Medicaid and the Affordable Care Act.
Can You Appeal If Medicare Refuses to Cover Care You Received?
Absolutely. Sometimes Medicare will decide that a particular treatment or service is not covered and will deny a beneficiary’s claim. Many of these decisions are highly subjective and involve determining, for example, what is “medically and reasonably necessary” or what constitutes “custodial care.” If a beneficiary disagrees with a decision, there are reconsideration and appeals procedures within the Medicare program.
To read the full article you can follow the link here
Elder Care News also shared in a separate article that Long-Term Care Insurance has actually declined this past year for men over 55 years old.
Price of Long-Term Care Insurance Policy Drops, At Least for 55-Year-Old Males
A healthy 55-year-old man can expect to pay $925 annually for $164,000 in current long-term care insurance benefits, according to the 2014 Long-Term Care Insurance Price Index, an annual report from the American Association for Long-Term Care Insurance, an industry group. The Association noted that identical coverage cost 15 percent more in 2013, meaning that the annual premium has actually declined for men.
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