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There may be times in the future when you may need a procedure or treatment that requires intensive care afterward. If you’re in a position where you need this type of care, you’re usually presented with two options. You can stay in a facility, or receive the treatment you need as an outpatient. If your care does not need to be intense, you can choose the latter. You can receive Post-Acute care (PAC) services in either situation.
What is Post-Acute Care?
If you need treatment after a procedure that requires rehabilitation or palliative services, you need Post-Acute care. This type of treatment is typically required after an acute care service in a hospital or outpatient procedure. Your Medicare coverage will typically cover most of your procedure, and your Medicare supplement might cover the remainder of the procedure.
Does Medicare Cover Post-Acute Care?
After your procedure, you might wonder if your Medicare benefits cover your Post-Acute care. Typically, Medicare Part A covers long-term Post-Acute care. This is because Medicare Part A is your hospital insurance coverage, where most of your procedures will be done. Services of the Post-Acute care may include:
- Physical therapy or other therapy services
- Additional treatment or pain management
- Any needed medications needed or administered for your procedure
What Are the Costs for Post-Acute Care?
Post-Acute care is typically associated with long-term care services. Because of this, the typical coverage Medicare beneficiaries receive under Medicare Part A covers most of these costs. If you receive this care in a long-term post-acute care hospital, you will need to pay for your Medicare Part A deductible and any coinsurance costs after 60 days.
Because there are types of care you can receive outside of the hospital, those costs may vary. To understand what you would need to pay, it is best to contact Medicare before you partake in these services.
Other types of Post-Acute care may occur in different settings. These settings may include Skilled Nursing Facilities, Home health care services, inpatient rehabilitation facilities, and more. The same types of Medicare coverage rules apply; if Medicare covers the initial service, it will help cover the Post-Acute care. However, if Medicare does not cover the service or procedure, the aftercare will not fall under Medicare coverage.
How Medicare Supplement Plans Can Help
Many Medicare supplement (Medigap) plans can help cover any costs associated with Medicare. For example, some plans completely cover the remaining 20% of charges that Medicare does not cover, leaving the beneficiary with no out-of-pocket fees to pay.
In the event of needing Post-Acute care, some Medigap plans can cover the Part A coinsurance that you might need to pay after the initial 60 days of treatment. This is the case for long-term acute care. Similar rules apply for skilled nursing facilities and other scenarios that offer different types of Post-Acute care.
Ultimately, having a Medicare supplement plan will provide you with the most potential coverage if you find yourself in need of this type of coverage service. In addition to your Medicare coverage, you will also have Medigap coverage. Depending on the plan, this means that you might not have to worry about any additional fees. This allows you to focus on healing and rehabilitating, and not about spending all of your savings on healthcare.
To purchase a Medicare supplement plan, feel free to contact one of our knowledgeable agents at (800) 310-2550. You can also get your free Medicare supplement quote online. You can compare rates from different providers in your area, and ask your agent which plan will provide the best coverage for you, in the event of needing any type of Post-Acute care.