How much does it cost to use a Medicare broker?

Nothing. Medicare brokers are paid by insurance carriers, not by you. Our consultations, plan comparisons, and enrollment help are completely free to families and caregivers.

Does Medicare cover memory care or assisted living for dementia?

Original Medicare does not cover long-term custodial care like memory care facilities or assisted living. It covers skilled nursing stays (up to 100 days per benefit period after a qualifying hospital stay) and home health services when ordered by a doctor. For long-term residential care, families typically need Medicaid, long-term care insurance, or private pay.

Should a dementia patient stay on Medicare Advantage or switch to Original Medicare?

It depends on care needs. Medicare Advantage plans require referrals and network restrictions, which can be difficult when a patient can't easily travel to appointments. Original Medicare with a Supplement offers broader provider access and no prior authorizations. We can review your parent's specific situation on a free call.

Does Medicare Part D cover dementia medications like Leqembi?

Part D plans vary in which dementia drugs they cover and at what tier. Newer treatments like lecanemab (Leqembi) may be covered under Part B when administered in a clinical setting. Older medications like donepezil and memantine are typically on Part D formularies. We can check your parent's specific prescriptions against available plans.

Medicare Broker for Dementia Patients — Practical Help for Families Who Need It Now

A Medicare broker for dementia patients helps caregivers make coverage decisions when their loved one can't advocate for themselves. You're managing doctor visits, medications, behavioral changes, and grief that doesn't have a clean edge to it.

I'm Anthony Orner, a licensed Medicare broker. I work directly with families dealing with cognitive decline to make sure the plan matches the care, not the other way around. This call is free.

Call for Free Advice — 855-559-1700

What Medicare covers for dementia: home health, skilled nursing, and more

Original Medicare (Parts A and B) covers several dementia-related services, but not the one most families eventually need: long-term custodial care.

Home health aide and skilled nursing visits when doctor-ordered
Cognitive assessments and care planning under the Annual Wellness Visit
Skilled nursing facility: $0 copay for days 1-20, then $209.50/day for days 21-100 (2026)
Hospice care under Part A when a physician certifies a 6-month prognosis

Medicare does not pay for memory care facilities, assisted living, or 24/7 personal care aides. That gap catches families off guard constantly.

How Supplement and Advantage plans differ for progressive cognitive conditions

I hear from caregivers who hit a wall with Medicare Advantage: their parent can't travel to in-network providers, can't sit through prior authorization delays, or gets denied home health because they missed an in-person visit. That's a real pattern, not an edge case.

Original Medicare with a Medigap Supplement gives broader provider access and no referral requirements. Plan G, for example, covers the Part A deductible ($1,676 in 2026) and all Part B excess charges. No networks.

For someone whose condition is progressing, flexibility matters more than low premiums. I can walk you through the actual tradeoffs based on your parent's doctors and care needs.

Part D considerations for dementia medications like Leqembi and Aduhelm

Generic donepezil and memantine are on most Part D formularies at affordable tiers. Newer treatments are more complicated.

Lecanemab (Leqembi) is typically administered as an IV infusion in a clinical setting, which may fall under Part B rather than Part D. Coverage requires an Alzheimer's diagnosis and ongoing monitoring, including regular brain imaging.

Every Part D plan has a different formulary. I check your parent's exact medications against available plans so you're not guessing at a pharmacy counter.

Why network restrictions hurt dementia patients the most

Caregivers on Reddit describe the same scenario over and over: a parent in a memory care facility who can't be transported to an in-network doctor, so they can't get the referral they need, so they can't get the treatment approved. It's a loop with no good exit.

If your parent is on a Medicare Advantage plan and hitting walls like this, you may have options to switch during certain enrollment periods or through guaranteed issue rights. Let's look at what applies to your situation.

Planning ahead: what caregivers wish they'd known sooner

Get a healthcare power of attorney in place early, before capacity becomes a question
Start Medicaid planning conversations now if long-term care may be needed (the look-back period is typically 5 years)
Ask about the GUIDE Model, a newer Medicare program providing dementia care management and caregiver support services
Review coverage annually, because care needs in year three look nothing like year one

Schedule a free call — we help caregivers navigate this too

You don't need to have all the answers before you call. Most caregivers I talk to start with "I don't even know what to ask." That's fine. That's what I'm here for.

I'll review your parent's current coverage, their medications, their care situation, and tell you what your real options are. No cost, no pressure, no enrollment required.

Talk to a Medicare broker who understands dementia care.

Call 855-559-1700 or Get a Free Quote