What are the Available Healthcare Options for Military Retirees and Senior Veterans?
Senior veterans of any branch of armed forces who were honorably discharged can qualify for health benefits that are sponsored by VA or Veterans Administration. The health care system of VA covers every veteran who has served at least 2 years of continuous active duty, has served in different theaters of war or has a service-related disability.
Moreover, under the program of Civilian Health and Medical Program of Department of Veteran Affairs, widows or elderly spouses of veterans are eligible beneficiaries and can also receive health insurance that is sponsored by the government.
At present, there are millions of veterans older than 65 years of age who can benefit from VA-sponsored health care and Medicare. Such veterans and their dependents may use their VA benefits for complementing coverage under their policies on Medicare.
Below are the other healthcare options available for senior veterans or military retirees:
These offer rehabilitative or convalescent care for those who have chronic health conditions or after staying at the hospital. The care level may range from basic to sub-acute to skilled. When compared to assisted living, the order of a physician is needed for admission to nursing homes.
A nursing home is regulated and licensed at state level. Care should be provided by registered nurses or licensed practical nurses. ICFs or intermediate care facilities offer 8 or more hours of nursing supervision daily and SNFs or skilled nursing facilities provide medical services 24/7.
It’s a long-term healthcare option made for those who require assistance with daily activities including dressing, bathing, meals, medication management, and so on. As of now, there are thousands of managed assisted living facilities in the US and they have thousands of patients. The costs of assisted living may differ widely depending on some factors like the size of apartments and kinds of services offered.
End-of-Life and Hospice Care
A lot of options for end-of-life care have been offered by numerous hospice programs and agencies. Hospice care is for those who have a terminal illness and have been exhausted from curative medical care as well as has a few months to live. It can be provided at the home of the individual, a hospice facility, nursing home or a hospital. Aside from palliative care, hospice includes spiritual and emotional support for patients.
Medicare is the payer for the majority of hospice patients. It covers hundred percent of the medications as well as necessary medical supplies that are used during hospice care.
Other Senior Healthcare Options
Partnership for Long-Term Care is basically a program that is available in 43 states, which combines Medicaid long-term care coverage and private long-term care insurance. This partnership helps users of Medicaid retain more assets while being eligible for healthcare coverage.
PACE or Program of All-Inclusive Care for Elderly also offers integrated Medicaid and Medicare benefits for seniors who want to continue getting medical, long-term, and social care in their houses instead of nursing homes. This program is available in a total of 28 states.