Navigating care coverage can feel overwhelming for caregivers. The Senior Health Insurance Program (SHIP) offers free, independent benefits counseling to Medicare beneficiaries and their caregivers.

Call: (800) 252-8966; 711 (TRS)
Email: AGING.SHIP@illinois.gov

Medicare is a national health insurance program for:

• People aged 65 or older
• People with permanent kidney failure
• People who receive Disability benefits.

Medicare has four parts:

1. Part A - Hospital Insurance

2. Part B - Medical Insurance

3. Part C - Medicare Advantage

4. Part D - Prescription Drug Coverage

Individuals sign up for Medicare through the Social Security Administration. 

Medicaid is a joint federal and state program offering health insurance to eligible individuals based on income and assets. There are different coverage groups for different populations. 

• Medicaid covers ~300,000 older Illinoisans
• Supports ~60% of nursing facility stays.

Learn more about eligibility and coverage.

Individuals may have private health insurance coverage from an employer or another source. Check with your plan for the details of coverage.

Caregiver payment depends on the source of coverage:

• Agency-employed caregivers: Agencies handle background checks, training, and supervision.
• Direct-hire caregivers: You may hire caregivers independently.
• Family caregivers: Some programs allow family or friends to be paid for in-home care. 

Learn more about your caregiver payment options.

Long-term care insurance plans help pay for future long-term care needs.

• Nursing homes
• Community-based settings

Learn more about  Long-Term Care Insurance.

Some individuals may pay out-of-pocket for certain aspects of care.

The IRS provides guidance for caregivers on:

• Claiming dependents
• Tax deductions related to care

Learn more from the IRS Caregiver Tax Information.