TAP Into Your Town's News

Ask AristaCare...................

Insurance Coverage

Tuesday, February 25, 2014 • 7:21pm

TO SEND A QUESTION, PLEASE MAIL OR EMAIL TO:
ARISTACARE AT CEDAR OAKS,
1311 Durham Avenue, South Plainfield, NJ 07080,
Attn: Vimla Parboji or email Vimla directly at vparboji@aristacare.com
Vimla will make sure the appropriate professional/specialist answers your question

 

Q: Lorraine B. writes: How do I know if my insurance will be accepted

at my rehab of choice?

 

A: Lorraine, this is a very good question as insurance has become extremely confusing.

It is important to understand the basics. A majority of senior citizens have Medicare as

their primary insurance and will often times have a secondary insurance. If you are someone

who has Medicare as their primary insurance, the good news is that all rehab facilities

accept Medicare insurance, but Medicare has many rules of its own. In order for Medicare

to cover your stay at a subacute rehab facility you must have a hospital stay of (3) nights.

Once you have a qualified hospital stay of (3) nights, Medicare will cover up to 100 days of

your subacute rehab stay. If your stay is more than 100 days then your secondary insurance

will pay a certain amount and you, the patient, will be responsible for the co-pay outlined

by your insurance.

If you do not have Medicare it is important to understand that no subacute rehab is

the same and insurances may differ from rehab to rehab. It is crucial to inquire about financing/

insurance beforehand, because no one wants to wind up with unwanted bills at the

end of their stay. When people tour AristaCare we always discuss finances and let families

know which insurances we accept which is a whopping list of 28 right now – including Horizon

Blue Cross Blue Shield, Aetna, AARP, and Oxford (which not many in the area accept).

It is important that you make sure that your rehab of choice participates with your

insurance.

If you are looking for long term care placement for a loved one and you are afraid

their money will not last, many facilities like AristaCare do accept Medicaid and have a very

diligent Social Work team that can help assist in getting you started with the Medicaid application.

I understand that nowadays there is a lot of talk about healthcare, Medicare, and

insurances and it is very easy to get confused. I have outlined the very basics, but I am not

an insurance expert. If you would like more information about insurance or are getting

ready to plan for long term financing, it is always best seek financial advice from a financial

planner or visit an elder law attorney for more information.

We always welcome visitors and new faces at AristaCare. Please know that you

can pop by anytime to get any of your questions answered. We are always here to help.

 

Warm Regards,

Vimla Parboji

Vimla’s role at AristaCare at Cedar Oaks is Physician and Community Liaison and she does exactly that. She is an integral part of our Marketing Team and connects with our physicians on a weekly basis and also the community through internal and external events sponsored by AristaCare. She was born in

Guyana, South America and has lived in Edison for the past 14 yrs. She graduated Rutgers with a Bachelor’s degree in English. She is recently married and in her spare time loves to read, watch a good movie, cook, and be active outdoors. Vimla will make sure that the appropriate professional at AristaCare at Cedar Oaks will answer your healthcare questions, so be sure to send them in!!

The opinions expressed herein are the writer's alone, and do not reflect the opinions of TAPinto.net or anyone who works for TAPinto.net. TAPinto.net is not responsible for the accuracy of any of the information supplied by the writer.

TAP into your town! Get Your Town's News In Your Inbox: Click here to sign up.