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The Basics

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You will hear many terms regarding long-term care. Scan through the basic terms below so you’re more comfortable asking questions and understanding your options.

Medicare vs. Medicaid

Both Medicare and Medicaid are government programs that help you pay for health care. Medicare is a federal major health insurance program for people aged 65 and over and eligible people with disabilities. Medicaid is a state program in Connecticut. HUSKY Health encompasses Medicaid and the Children…

Both Medicare and Medicaid are government programs that help you pay for health care. Medicare is a federal major health insurance program for people aged 65 and over and eligible people with disabilities. Medicaid is a state program in Connecticut. HUSKY Health encompasses Medicaid and the Children’s Health Insurance Program.

Medicare covers nursing home stays for not more than 100 days following a hospital stay of at least three days. Assisted living costs are not covered. Coverage for home health care is limited. Medicare does not cover most long-term services and supports costs. Medicaid covers long-term services and supports. Medicaid can cover services and supports in an individual’s home as well as residential and institutional settings.

Care and Planning

In-Home Care

A broad range of health care, services and supports that enable you to live in your home, rather than in an institutional setting.

Long-Term Care

Health care, services and supports over an extended period of time for anyone unable to perform the Activities of Daily Living. Long-term …

In-Home Care

A broad range of health care, services and supports that enable you to live in your home, rather than in an institutional setting.

Long-Term Care

Health care, services and supports over an extended period of time for anyone unable to perform the Activities of Daily Living. Long-term care can be received at home or in alternative living situations.

Activities of Daily Living (ADL or ADLs)

Everyday tasks such as eating, bathing, dressing, going to the bathroom and transferring (walking/moving from chair to wheelchair).

Long-Term Planning

This means preparing for your future long-term care needs early—before the need for medical or personal care is urgent. Long-term planning considers your personal wishes, financial situation, health status/prevention challenges and end-of-life decisions.

Long-Term Services and Supports

These include medical and nonmedical care, services and supports that keep someone healthy and safe for a long period of time. These services and supports can be provided in a variety of settings.

Living Options

Home

Most people prefer to live independently in the place they call home. By bringing health care, services and supports in-home, older adults and people with disabilities can enjoy a better quality of life.

Assisted Living

A housing option with services and supports for older adults and people …

Home

Most people prefer to live independently in the place they call home. By bringing health care, services and supports in-home, older adults and people with disabilities can enjoy a better quality of life.

Assisted Living

A housing option with services and supports for older adults and people with disabilities who are no longer able to live on their own but do not require nursing home care. Assistance with Activities of Daily Living, meals and housekeeping are routinely provided. Also known as Assisted Care Community.

Nursing Home

A facility for people who do not need to be in the hospital but are unable to care for themselves. A nursing home provides a high level of personal and nursing care. Also known as Skilled Nursing Long-Term Care Facility, Chronic & Convalescent Nursing Home or Rest Home with Nursing Supports.

Retirement Community

Designed for older adults who are generally able to care for themselves. Often, retirement communities provide social and recreational opportunities. Assistance with health care is allowed in some retirement communities. Also known as Independent Living Communities, Congregate Care and Senior Apartments.

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