Virginia CommonHelp is a partnership with the Virginia Department of Social Services and serves as a "guide for navigating and applying for assistance" including health benefits, and also assistance with things like food and fuel. You will need to create an account the first time you seek assistance through the website.
www.coverva.org On this website, you can learn about Virginia’s Medicaid, FAMIS programs for children, pregnant women, and adults. You can also get information about health insurance choices through the Federal Marketplace.
Medicare - Federal Insurance
www.medicare.gov 800-633-4227 The official Medicare website of the United Stated of America. Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
Apply for Medicare
Get basic information to understand what Medicare is and what it offers
Find local help
Get your Medicare card
Find care providers,
Talk to someone
Medicare Medicare is the federal health insurance program for people 65 and older, as well as people with disabilities .
Medicare Part A (Hospital Insurance) Helps pay for inpatient hospital care, psychiatric hospital care, medically necessary short-term skilled nursing facility care following a hospital stay, home health care and hospice care.
Medicare Part B (Medical Insurance) Helps to pay for doctors’ services, outpatient hospital services, and various medical services and supplies. Voluntary program with a monthly premium - assistance may be available for individuals with low income.
Medicare Part C (Medicare Advantage Plan /MAP) Type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide all Part A and Part B benefits. A MAP manages the healthcare of members. The company helps pay for medical care by doctors and hospital that the member needs.
With Medicare Advantage Plans most Medicare services are covered and are not paid for under original Medicare. Most plans offer prescription drug coverage. In addition to a monthly premium one may be responsible for out-of-pocket costs such as annual deductibles, co-pays and co-insurance for office visits, hospital stays and outpatient services such as physical therapy. One may need a referral from a primary care physician. Doctors outside the provider network may be partially covered but it would cost more to use them.
Medicare Part D (prescription Drug Coverage) Adds prescription drug coverage to original Medicare and other Medicare plans. Offered by insurance companies and other private companies that are approved by Medicare.
What's the difference between Medicare and Medicaid? Medicare is federal health insurance for anyone age 65 and older, and some people under 65 with certain disabilities or conditions. Medicaid is a joint federal and state program that provides health coverage for some people with limited income and resources. Medicaid offers benefits, like nursing home care, personal care services, and assistance paying for Medicare premiums and other costs.
www.healthcare.gov A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services. Learn more about how to get affordable health insurance coverage. You can enroll in health plans anytime if you have certain life changes or qualify for Medicaid or CHIP.
Learn more about the 2010 Affordable Care Act from the US Department of Health & Human Services HERE.
VICAP (Virginia Insurance Counseling and Assistance Program)
540-825-3100 VICAP is offered regionally through Rappahannock Rapidan Community Services and is a FREE assistance program. Contact them at the phone number above to find a representative near you.
Long Term Care Insurance
For assistance with long term care insurance, see VICAP above
What is Long Term Care Insurance?
Visit longtermcare.govfor information on what long term care insurance is, and who needs it.
What is long-term care? You may have heard of long term care insurance for coverage of long-term care, but what is long-term care? It is a blanket term for services that can help you meet medical and non-medical care needs if age, injury, illness, disability or cognitive impairment affect your ability to take care of those needs yourself. Many Americans will need some form of long-term care at some point in their lifetimes, which is why it’s important to learn about it - preferably before you actually need it.
What types of services does long-term care provide? A lot of people automatically think of nursing home care when they think about long-term care. But the truth is, long-term care can cover almost any service that helps you maintain your quality of life. In fact, most long-term care has nothing to do with medical care. The term for this is “custodial care,” meaning services that help with everyday living activities.
Common Long-Term care services: · In-home medical care · Personal health and hygiene · Housework assistance · Meal preparation · Pet Care services · Money management - and more!