TRICARE

Many veterans who don’t qualify for VA Healthcare do qualify for and use TRICARE, insurance that’s made for veterans and their families. TRICARE does not cover long-term care costs at all, but it can still help you with the costs of doctor visits, medications, and skilled nursing. It won’t provide all the funding needed, but it can be part of the solution. TRICARE may work in combination with Medicare.

PACE

State Medicaid Programs called Programs of All-Inclusive Care for the Elderly (PACE) can provide dementia care through a network of contractors within your community. The point of PACE programs is to enable seniors to stay at home instead of going into a nursing home or other institutions.

PACE covers therapy, prescription drugs, adult daycare, and many other medical and caregiving services that dementia patients typically need. Those with Medicaid have no premiums for the long-term care portion of PACE, and those with Medicare but not Medicaid will need to pay some monthly premiums.

Federal Long Term Care Insurance Program (FLTCIP)

Long term care insurance is designed to cover the extensive, long term costs of care associated with conditions like Alzheimer’s Disease. This kind of insurance is available through private companies, but the Federally provided version is available to Federal and U.S. Postal Service employees and active and retired members of the uniformed services. It’s also available to close family members like spouses, unlike VA Healthcare.

This program is administered by Long Term Care Partners, LLC in partnership with the US government. You can explore the program in full through the FLTCIP  website.

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