The services Medicare now covers include "reasonable and necessary" doctors' visits; physical, occupational or speech therapy; psychotherapy or behavioral management therapy by a mental health professional, and skilled home-care services (such as skilled nursing, speech or physical therapy). Medicare does not pay for prescription drugs for Alzheimer's, adult day care, room and board at assisted living facilities, or custodial care in a nursing home, though it will pay for medically necessary skilled-care services at assisted living facilities or nursing homes.
Medicaid, a joint federal, state and local program for people with limited income or assets, may cover certain aspects of Alzheimer's treatment. Guidelines vary by state or region, so to find out what is covered in your home area, contact the state or local welfare agency that administers Medicaid in your area.
Medigap plans, health insurance plans that supplement Medicare benefits, may cover some aspects of Alzheimer's treatment not reimbursed by Medicare, but the extent of coverage depends upon the plan you've chosen. Check with a Medigap provider to find out what is covered.
Private health insurance plans also vary widely in reimbursement policies for Alzheimer's treatment. Check with the administrator of your plan, or your doctor's office, to find out what is covered.
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