If your parents are aging, you’re probably thinking about how to help them stay safe and comfortable as they grow older. The financial aspect of healthcare is likely also on your mind, and you want to find an insurance option that will let your loved ones get the care that they need. As you start thinking about this process, use the guide below to explore popular types of coverage and elderly care options.

Types of Insurance

For many seniors, Medicare and Medicaid are the most popular insurance options. Medicare is broken into four portions that cover aspects like hospital visits, medical care, prescriptions, and Medicare benefits offered through private insurers.

For lower-income adults, Medicaid can cover services and medication that Medicare doesn’t. For those with a decent amount saved for retirement, private insurance can be paired with Medicare to cover elements that Medicare excludes.

One popular form of private supplemental insurance is Medigap, which covers some copays and deductibles that Medicare won’t. Finding the right blend of these insurance plans will help your loved ones get the treatment they need at affordable rates.

Medical Care Options

Elderly care is offered in multiple forms, depending on the health of the individual, and your parents may progress through several types of care as they age. In-home care is a wise option for adults who are relatively healthy but need some help with daily tasks and medical conditions. For those who want to maintain independence without being alone at home, a senior living community makes it easy for them to maintain their lifestyle without the worries of keeping a house.

For independent adults who have more medical concerns, assisted living is similar to senior living communities, but these facilities often have on-site medical staff to make treatment easy. Your loved one will find it easy to balance an independent life with the healthcare they need. Lastly, a nursing home is the smartest option for seniors who need help with basic tasks or require extensive daily medical assistance.

Not sure which living option is right for your parent? West Vue in West Plains, MO, has Pleasant Valley Village, a senior living community; Pleasant Valley Manor, an assisted living home; and West Vue Nursing & Rehabilitation Center for those who need more personalized medical attention. To learn more about these elderly care options, visit their website. Call (417) 256-2152 to set up a tour.