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Does SCAN Health Plan Offer Payment Options for Assisted Living?
Date Updated: July 26, 2024
Written by:
With over a decade of dedicated experience, Andrea Miller boasts an extensive background in healthcare writing and editing. Her expertise spans various facets of the healthcare industry, with a particular focus on nursing, senior care, Alzheimer’s disease, and public health. Andrea has also contributed her editorial talents to reputable publishers in the Philadelphia region, complementing her extensive freelance work.
Reviewed by:
Gene Altaffer has a Masters in Gerontology from the University of Southern California and has worked in many avenues along the continuum of long-term care, assisting thousands of clients and their families since 1995. He also sold long-term care insurance from numerous carriers while also assisting families with retirement planning. Gene helps seniors navigate their Medicare plans, ensuring they understand their benefits and options.
No, SCAN Health Plan does not offer payment options for assisted living or any other types of long-term care. As a Medicare Advantage provider in California and several other states, SCAN only includes medical, dental, prescription drug, vision and hearing benefits. This type of policy does not cover long-term care; however, if you receive services such as home health care, physical rehabilitation and hospice care as part of your assisted living care, your SCAN coverage will pay for these medical services.
What is a Medicare Advantage plan?
A Medicare Advantage plan is a policy that provides Medicare health coverage through a private insurer. Medicare Advantage plans must at least cover the services included in Original Medicare Part A and Part B, which incorporate hospital and medical insurance.
Medicare Advantage, sometimes called Part C, bundles Part A and Part B with prescription drug coverage (Part D). These plans often include vision, hearing and dental coverage as well. Unlike Original Medicare, most Medicare Advantage plans have a maximum limit on out-of-pocket costs, which could save you money on care.
Does Medicare cover assisted living?
Medicare does not cover assisted living or other forms of long-term care. However, seniors often qualify for Medicaid coverage, which offers a waiver for long-term care in many states. These programs vary but often pay for part of the cost of assisted living.
In addition, Medicare will pay for medical services included in the cost of assisted living. Examples include healthcare provider visits, medications and mental and physical health assessments.