How much does it cost to use a Medicare broker?

Nothing. Medicare brokers are paid by the insurance carriers, not by you. Our consultations and plan recommendations are completely free to families, no matter how many times we meet or how complex the situation gets.

Does Medicare pay for any Alzheimer's care?

Yes. Original Medicare covers doctor visits, diagnostic testing, certain home health services, and up to 100 days of skilled nursing facility care per benefit period. Part D covers approved Alzheimer's medications. What Medicare does not cover is long-term custodial care like memory care facilities or around-the-clock personal assistance.

Should my parent stay on Medicare Advantage or switch to Original Medicare?

It depends on their stage and care needs. Medicare Advantage plans can restrict provider networks and require referrals, which becomes harder as the disease progresses and a patient can't easily travel to appointments. Original Medicare with a Supplement often gives families more flexibility. Call us and we'll review the specifics together.

Does Medicare cover respite care for Alzheimer's caregivers?

Medicare covers inpatient respite care under the hospice benefit, up to five consecutive days at a time, when the patient qualifies for hospice. Outside of hospice, some Medicare Advantage plans include limited respite hours as a supplemental benefit. We can help you find out what's available.

Medicare Broker for Alzheimer's Patients — Coverage for the Journey Ahead

A Medicare broker for Alzheimer's patients can help your family make sense of coverage that changes as the disease progresses. If you're the one searching this, you're probably making decisions for someone who can't make them anymore.

I'm Anthony Orner, a licensed Medicare broker. I help families coordinate the right plans for medications, skilled care, and the hard decisions still ahead. The call is free.

Call for Free Advice — 855-559-1700

What Medicare actually covers for Alzheimer's care and what it doesn't

Original Medicare (Parts A and B) covers doctor visits, cognitive assessments, diagnostic imaging, and lab work related to Alzheimer's. Part B also covers an annual wellness visit that includes cognitive screening.

What catches most families off guard: Medicare does not cover long-term custodial care. That means memory care facilities, 24/7 personal aides, and adult daycare are not covered. This is the gap that blindsides people.

How to coordinate Supplement and Part D plans for memory medications

Common Alzheimer's medications like donepezil and rivastigmine are typically covered under Part D. But formularies vary by carrier. Some plans put these drugs on preferred tiers with low copays. Others don't.

A Medigap plan (Medicare Supplement) helps cover the costs Original Medicare leaves behind, like the $1,676 Part A deductible per benefit period and the $283 Part B annual deductible in 2026. I match families with plans that keep out-of-pocket costs predictable.

Planning ahead: skilled nursing, home health, and respite coverage

Skilled nursing: Medicare covers days 1-20 at $0 after a qualifying hospital stay. Days 21-100 cost $209.50/day in 2026 unless a Supplement covers it.
Home health: Covered when a doctor orders skilled care and the patient is homebound. This can include nursing, physical therapy, and some aide services.
Respite care: Available under the Medicare hospice benefit for up to five consecutive days when a caregiver needs a break.

Medicare Advantage vs. Original Medicare as the disease progresses

Many families start on a Medicare Advantage plan and it works fine early on. But as Alzheimer's advances, network restrictions and prior authorization requirements can become a real problem. Getting someone with severe confusion to an in-network provider across town isn't always possible.

Original Medicare with a Supplement gives you access to any doctor who accepts Medicare, anywhere in the country. For families managing later-stage care, that flexibility matters.

When to call a broker (and why sooner is better)

The best time to set up coverage is before a crisis. Medigap plans have medical underwriting outside of your initial open enrollment period, so locking in a plan while health allows it protects you from being denied later.

If your loved one already has coverage that isn't working, we can review options during Medicare Advantage Open Enrollment (October 15 through December 7) or check for guaranteed issue rights that may apply.

A free consultation for families navigating the long goodbye

You're grieving someone who's still here. I won't pretend to know exactly what that feels like. But I can take the Medicare piece off your plate so you can focus on the person, not the paperwork.

Call me at 855-559-1700. No cost, no obligation. I'll help you understand what's covered, what isn't, and what we can do about it.

Free Medicare Consultation for Alzheimer's Families

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