In the State of Oklahoma, the total cost of long-term care is generally not covered by Medicare and medical insurance and only partly covered by Medicaid. That's why; the Oklahoma Health Care Authority and the Oklahoma Insurance Department are working with private insurers to create the Oklahoma Long-Term Care Partnership program, a program with benefit options that may protect the consumer's financial future.
With the OLTCP program, consumers have access to high-quality, long-term care insurance that will provide benefits should they need long-term care in the future and, at the same time, may allow the consumer to retain some assets in the event that the consumer applies for SoonerCare (Oklahoma Medicaid).
What is SoonerCare?
SoonerCare (Oklahoma Medicaid) is a health coverage program jointly funded by the federal and state government. This program helps pay some or all medical bills for many people who can't afford them. The Oklahoma Health Care Authority (OHCA) is the state agency that administers the program and determines financial eligibility for the program.
To be able to qualify for the program, the individual must meet certain set of requirements: (a) resident of OK (b) must be a U.S. citizen or qualified alien, and,(c) meet financial income and resources standards.SoonerCare covers many health care services. However, there are limitations that apply to ensure that only medically necessary services are provided. There are instances some services are for children only. The benefits and coverage outlined may change as well. Covered health care services may include doctor visits, hospitalization and prescriptions.
What about Medicaid?
In OK, Medicaid is the only public program that provides substantial coverage for long-term care. Its LTC programs are designed to improve the overall quality of care for care residents. The OHCA is also responsible in overseeing LTC programs which include the following:
Nursing Facility - Provides 24-hour skilled care and related services for residents who require medical or nursing care.
Residential Home Care - Offers or provides residential accommodations, food service, and supportive assistance. May provide assistance with meals, dressing, bathing, and other personal needs; May assist in the administration of medications, but does not provide medical care.
Assisted Living Centre - Provides assistance with personal care, medications, and ambulation. May also provide nursing supervision and intermittent or unscheduled nursing care, but does not provide 24-hour skilled nursing care as is provided in a nursing facility.
Adult Day Care Centre - Provides health, social supportive, and recreational services to adults with disabilities for more than four hours per day. Participants do not stay in the centre overnight and continue to live in their own homes.
Home Care Agency - Provides skilled care and personal care services to clients in their residences. It includes licensed services such as those provided by a registered or licensed practical nurse, physical therapist, occupational therapist, speech therapist, respiratory therapist, or social worker.
With the OLTCP program, consumers have access to high-quality, long-term care insurance that will provide benefits should they need long-term care in the future and, at the same time, may allow the consumer to retain some assets in the event that the consumer applies for SoonerCare (Oklahoma Medicaid).
What is SoonerCare?
SoonerCare (Oklahoma Medicaid) is a health coverage program jointly funded by the federal and state government. This program helps pay some or all medical bills for many people who can't afford them. The Oklahoma Health Care Authority (OHCA) is the state agency that administers the program and determines financial eligibility for the program.
To be able to qualify for the program, the individual must meet certain set of requirements: (a) resident of OK (b) must be a U.S. citizen or qualified alien, and,(c) meet financial income and resources standards.SoonerCare covers many health care services. However, there are limitations that apply to ensure that only medically necessary services are provided. There are instances some services are for children only. The benefits and coverage outlined may change as well. Covered health care services may include doctor visits, hospitalization and prescriptions.
What about Medicaid?
In OK, Medicaid is the only public program that provides substantial coverage for long-term care. Its LTC programs are designed to improve the overall quality of care for care residents. The OHCA is also responsible in overseeing LTC programs which include the following:
Nursing Facility - Provides 24-hour skilled care and related services for residents who require medical or nursing care.
Residential Home Care - Offers or provides residential accommodations, food service, and supportive assistance. May provide assistance with meals, dressing, bathing, and other personal needs; May assist in the administration of medications, but does not provide medical care.
Assisted Living Centre - Provides assistance with personal care, medications, and ambulation. May also provide nursing supervision and intermittent or unscheduled nursing care, but does not provide 24-hour skilled nursing care as is provided in a nursing facility.
Adult Day Care Centre - Provides health, social supportive, and recreational services to adults with disabilities for more than four hours per day. Participants do not stay in the centre overnight and continue to live in their own homes.
Home Care Agency - Provides skilled care and personal care services to clients in their residences. It includes licensed services such as those provided by a registered or licensed practical nurse, physical therapist, occupational therapist, speech therapist, respiratory therapist, or social worker.
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