Friday, November 04, 2011

Basic information on possible insurance options for survivors

Figuring out insurance options is hard. Survivors of domestic violence frequently feel as though they are tossed about. Private insurance is expensive and hard to come by. Some survivors will find themselves applying for public assistance for the first time.

There are several different types of public assistance. This may include food stamps, WIC, medicaid, medicare (for senior citizens or for those who are disabled).

To make matters more confusing Medicare itself has different coverage options. This coverage won't take care of everything. There will still be some expenses that must be paid for by the recipient or covered with a secondary insurance. Even though it is only available to those who are disabled or are senior citizens learning about Medicare is important.

There may be other types of care and specifics that are not listed here. This article is to provide a very general overview. More information can be found by searching online.

Medicare part A
This part covers hospitalization, skilled nursing homes, blood transfusions and hospice. It may also cover some home health services.

Medicare part B
This covers medically necessary services from a physician. Payments are often taken out of monthly income from Social Security, Railroad Retirement or Civil Service Retirement. It may cover tests, screenings and some home health care.

Medicare part C
This is a combination of part A and B. Services are provided through a HMO, PPO or PFFS. It is designed for people who have chronic health needs. It may included limited prescription medications.

This is prescription drug coverage insurance. This cover can be added to some Medicare cost plances, private fee for service plans or added to your original Medicare plan. Another way to obtain the Medicare part d coverage is to join a HMO or PPO that already offers prescription drug insurance coverage.

This is a very broad overview of options. What is available will vary by state and location. It is important that survivors of domestic violence understand what options may be applicable. Talking with a local domestic violence advocate is your best source of what's available in your area.

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