Insurance coverage varies by policy. It is very important to understand what your policy does cover. More important is that you understand what it does not cover. If your loved one does not have Medicare, it is important to get information about coverage.

 

It is important to understand what you are signing when you are seeking services from a health care provider. You don't want any surprises, and you do not want to pay for something you should not have to.

 

For questions, contact the insurance provider’s customer service department or the insurance agent. Ask about coverage for all conditions, including those associated or commonly associated with dementia.

 

If your loved one has not started the process for disability eligibility to receive Medicare, it would be a good idea to begin that process now.

• Does the individual have an insurance policy to cover health or long-term care?
• Have I asked the insurance provider about coverage?
• Does the individual qualify for Medicare coverage due to disability?
• Are any out-of-pocket expenses required?  If so, are they affordable?

Insurance Coverage

 

Common Questions

On-line Resources

Contacts

• About Insurance and Dementia:  http://www.alz.org/professionals_and_researchers_insurance_and_coverage.asp
• Long-term care and Dementia: http://longtermcare.gov/the-basics/alzheimers/

 

 

• Alabama Department of Insurance: 1-334-269-3550
• Blue Cross Blue Shield of Alabama: 1-800-292-8868