Which government programs help cover elderly care costs?

As part of estate planning, you must consider the cost of medical care for older adults. Besides relying on your assets, what other resources could you tap into?

The National Institute on Aging lists government programs that help pay for medical care. Save money on the price of aging wherever possible.


If you have not already, familiarize yourself with how Medicare works for Delaware residents. The federal government program covers specific medical costs for those over 65. Medicare includes Parts A, B and D, each of which pays for different costs.


You may qualify for Medicaid in your golden years. With it, you have a way to pay for some long-term and medical care. Determine whether your income may qualify you for the state and federal program.

State Health Insurance Assistance Program

Each state features the State Health Insurance Assistance Program. The national program provides help and counseling for Medicaid, Medigap and Medicaid.

Program of All-Inclusive Care for the Elderly

PACE, a Medicare program, aims to help older adults in specific states who prefer to meet their health care needs within their community rather than in a nursing home. The program helps pay for long-term and social service costs. Those who value their independence and feel uneasy about moving into a nursing home may consider PACE a preferable alternative. Besides learning whether you qualify for the program, find out if you must pay a monthly fee.

Department of Veterans Affairs

Veterans may qualify for special benefits that help cover at-home and long-term care expenses. The VA offers nursing homes, but you may have to navigate a waiting list.

You may not have to shoulder elderly care costs alone. Learn more about your options to protect your assets and your health.



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