Does Medicare Cover Long-Term Care For Parkinson's?

Patients with Parkinson’s disease who qualify can use Medicare benefits to cover medical expenses. Learn about your options for when long term care becomes necessary.
Published on
December 5, 2022
Presented by Givers
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Key Takeaways

In this article:

  • Does Parkinson's disease need long-term care?
  • When do you need to move into a nursing home?
  • What does a nursing home provide Parkinson's patients?
  • Does Medicare cover services and treatments for Parkinson's disease?
  • How to create a Parkinson's care plan

Parkinson's disease affects more than one million Americans.

Parkinson's disease is a disorder of the brain that causes unintended or uncontrollable movements like tremors, stiffness, slow movement, and difficulty speaking. But there are many ways to manage the symptoms. Parkinson's disease is a progressive condition that worsens over time. The first signs usually appear in people between 50 and 60 years old. While there is no cure for Parkinson's, developing a solid Parkinson's care plan will help patients have a healthy and fulfilling life.

Does Parkinson's disease need long-term care?

Parkinson's has four primary symptoms: tremors in hands, arms, legs, jaw, or head; muscle stiffness; slow movement; and impaired balance and coordination, sometimes leading to falls. Other symptoms may include:

  • Depression or other mood changes
  • Difficulty swallowing, chewing, and speaking
  • Urinary problems or constipation
  • Skin problems. 

These symptoms and the rate of progression is different for each patient. Early signs of this disease are often subtle and come on gradually, often beginning on only one side of the body or even just one limb. 

Over time Parkinson's may cause serious mobility issues. Many patients opt for Parkinson's care at home. Some medications lessen the effects of the illness. If you have been diagnosed with Parkinson's, talk to your health care provider about medicines. There are several different drugs available to treat the symptoms of Parkinson's disease. These medications can help improve your quality of life by reducing tremors, slowing down muscle rigidity, improving balance, and increasing mobility.

Medicines like levodopa can help treat the symptoms of Parkinson's by:

  • Increasing dopamine in the brain
  • Effecting other brain chemicals like neurotransmitters
  • Helping control non-movement symptoms

Typically patients take a medication called carbidopa in addition to levodopa to prevent or reduce some of the side effects of levodopa.

Other medicines to support Parkinson's symptoms may include:

  • Dopamine agonists stimulate the production of dopamine in the brain
  • Enzyme inhibitors slow down enzymes that break down dopamine in the brain
  • Amantadine to help reduce involuntary movements
  • Anticholinergic drugs to lessen tremors and muscle rigidity

You might also consider talking with your doctor about alternative treatments. Many people find that exercise, diet changes, stress management techniques, and complementary therapies can help them cope with Parkinson's symptoms.

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When do you need to move into a nursing home? 

In some cases, the disease progresses to where long-term care is needed. If a patient needs round-the-clock care, has minimal mobility, or requires aid in eating and bathing, it might be time to consider a nursing facility or 24-hour Parkinson's care at home. They also may need family caregivers to help them at home. The average lifespan after Parkinson's diagnosis can be one to two decades. A detailed Parkinson's care plan will help the family and patient prepare for housing, transportation, medication, and more.

What does a nursing home provide for Parkinson's patients?

Generally, a nursing home will have skilled nursing care, round-the-clock supervision, three meals daily, and help with daily tasks like bathing, dressing, and eating. Facilities will offer rehabilitative therapy like speech and occupational therapy, and the nursing home also provides physical therapy.

Many nursing homes attempt to have some social activities, have a private dining room for residents, and offer some arts and crafts. Friends and family can visit their loved ones at the facility anytime. Other amenities may include a hairdresser salon, a small gift shop, and private rooms for a higher fee. Most nursing homes have semi-private rooms with shared bathrooms. Residents have limited independence. For this reason, residents who have some mobility and do not need 24-hour care may opt for an assisted living facility with some medical care but a more independent apartment-like atmosphere. Some may have a family caregiver help them with daily tasks at home instead.

A Parkinson's patient who recently recovered from surgery or needs rehabilitation may stay at a nursing home temporarily. However, suppose the disease progresses to affect mobility and independence. In that case, a long-term nursing care facility may provide the best and safest environment and care.

Does Medicare cover treatment for Parkinson's disease?

Medicare is made up of multiple parts that each covers different services and treatments that you may need to manage Parkinson's disease.

Medicare Part A coverage

Part A covers the following services related to Parkinson’s disease:

  • Inpatient hospital care including meals, doctor’s visits, blood transfusions, onsite medications, and therapeutic treatments
  • Surgical procedures
  • Hospice care
  • Limited or intermittent skilled nursing facility care

Medicare Part B coverage

Part B will cover the following items and services:

  • Outpatient services such as general practitioner and specialist appointments
  • Screenings and preventive services
  • Diagnostic tests
  • Durable medical equipment (DME)
  • Ambulance serice
  • Occupational therapy or physical therapy
  • Speech therapy
  • Mental health services (inpatient, outpatient, partial hospitalization, and intensive outpatient program services)

Medicare Part C coverage

Medicare Part C (also known as Medicare Advantage) is a health insurance plan you can buy from a private insurer. Plan-to-plan coverage varies but is required to provide at least the same coverage as original Medicare.

Does Medicare cover nursing homes? 

While Medicare does cover most Parkinson's treatments [https://www.disabilitybenefitscenter.org/disability-pay/parkinsons], at the advanced stages of the disease 24 hour care may be needed. Some nursing homes cost upwards of $300 a day, but not all nursing facility costs are covered by Medicare and Medicaid. For the first 20 days, Medicare covers all your expenses. A $194.50 co-pay per day begins after day 21. A Medigap (supplemental) coverage might pay for this copayment. After 100 days in the nursing care facility, you must pay for all costs.

Medicare Original Part A covers limited or sporadic treatment in a skilled nursing facility. Non-medical care (dressing, bathing, cooking) is not covered. Anything that is not "medically necessary" will not be covered by Medicare. Unfortunately, much of the cost may fall on the patient and family. The National Institute of Aging states that most nursing home residents pay with their personal funds.

Other ways to pay for nursing home care include:

  • Pensions
  • Retirement income
  • Stocks
  • Sale of home
  • Supplemental Insurance
  • Private insurance

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How to create a Parkinson's care plan

Sit down with your plan provider and discuss what you need long-term for treatment, Parkinson's care at home, 24-hour care, and other essential aspects of your treatment. Plan with your family and make a detailed Parkinson's Care Plan. It should include the following:

  • Home health care plan
  • Any skilled in-home nursing care
  • Nursing Home care
  • Transportation to and from appointments and treatment
  • Care for daily activities like eating and bathing
  • Management of finances
  • Power of Attorney
  • End-of-life decisions
  • Hospice care
  • Family Caregiving
  • Care of home
  • Pet care
  • Care for other dependents in the household
  • Insurance and Medicare
  • Financial and Community Assistance

Take the time to put together a long-term care plan with your family. Prepare now in case advanced illness makes decision-making difficult. Consider what will make you most comfortable and give you the highest quality of life long-term. Your family will appreciate knowing how they can best care for you.

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