Very few government programs will help pay your long-term care expenses. Those that do have strict eligibility requirements and limits on what is covered.
You should not count on Medicare to pay for your Long-term services and supports needs. Medicare pays little or nothing for help with Activities of daily living for long periods of time. Medigap insurance (supplemental insurance for Medicare) is not intended to meet long-term services and supports needs; it covers very few long-term services and supports.
Medicare is health insurance for the following:
Do you need help comparing Medicare medical and drug plan coverage? Senior Health Insurance Benefits Assistance (SHIBA) program counselors give one-on-one help with:
The Senior Medicare Patrol (SMP) programs help people receiving Medicare and/or Medicaid avoid, detect and prevent health care fraud. They protect older adults and help preserve the integrity of the Medicare and Medicaid programs.
SMP staff and highly trained volunteers reach out to Medicare beneficiaries in their communities. Their primary goals are to teach Medicare beneficiaries to:
Volunteers teach others to protect themselves against fraud. They discuss how to keep Medicare ID numbers safe. They also teach how to examine Medicare Summary Notices and other explanations of benefits for errors and to report suspicious activity.
Learn about some of the most common scams in Oregon and the steps you can take to protect yourself. Remember that if a deal sounds too good to be true, it probably is! Check back here each quarter for the latest Oregon Scam Advisory.
ADRC of Oregon staff are available to help you explore your options to meet your current needs or create a plan for the future.
Find information, resources and tools to help you start planning.
This checklist will help you gather the information you may need to complete the online Medicare, retirement and spouse's applications.
Learn more about starting Medicare and important timelines for signing up. Oregon’s Cruising to 65 website for Oregon boomers will help you understand Medicare before you turn 65. You need to know about Medicare to avoid penalties in your Medicare coverage. This is true even if you still work or don’t receive Social Security.
Calculate your future long-term services and supports expenses.
Estimate your likely future financial resources.