Interactive Glossary - Section J-L
A-C D-F G-I J-L M-O P-R S-U V-W X-Z
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K
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Language Therapy: See Speech/Language Pathology.
Lifetime Reserve Days: Also known as "reserve days." When you are in the hospital for more than 90 days, Medicare pays for 60 additional reserve days that you can only use once in your lifetime. They are not renewable once you use them.
Limiting Charge: An upper limit on how much doctors who do not accept Medicare'sapproved amount as payment in full can charge to people with Medicare. Federal law sets the limit at 15 percent more than the Medicare-approved amount. Some states limit it even further. For example, in New York doctors can only charge 5 percent more than Medicare’s approved amount for certain services. This charge is in addition to 20 percent coinsurance(45 percent for mental health services). Providers who opt-out of Medicare are not subject to these limiting charges and can charge as much as they want, if the patient signs an agreement with them prior to receiving care.
Living Will: Also called “directive to physicians,” “health care declaration” or “medical directive.” Describes the type of care you want to receive as you near the end of your life in specific circumstances. In some states it only goes into effect only when your doctor certifies your health condition and that you are no longer capable of making decisions (“incapacitated”). It is narrow in scope and works best as a guide for your physicians and the person you have legally named to make health care decisions on your behalf using a health care proxy.
Lock-In: Limits your ability to change the way you receive your Medicare health andprescription drug (Part D) coverage to the Annual Coordinated Election Period (ACEP) andOpen Enrollment Period (OEP).
Low-Income Subsidy (LIS): See Extra Help.
Long-Term Care: Custodial care given at home or in a nursing home. Medicare does not cover long-term care. See also, Long-Term Care Insurance.
Long-Term Care Insurance: Provided by private insurance companies. It covers some of the costs of long-term care and can help you preserve your assets, but is often very expensive and is not a good option for most people.
Long-Term Care Ombudsman: An independent advocate for nursing home and assisted living facility residents who provides information about how to find a facility and how to get quality care. Every state is required to have an Ombudsman Program that addresses complaints and advocates for improvements in the long-term care system.
K
L
Language Therapy: See Speech/Language Pathology.
Lifetime Reserve Days: Also known as "reserve days." When you are in the hospital for more than 90 days, Medicare pays for 60 additional reserve days that you can only use once in your lifetime. They are not renewable once you use them.
Limiting Charge: An upper limit on how much doctors who do not accept Medicare'sapproved amount as payment in full can charge to people with Medicare. Federal law sets the limit at 15 percent more than the Medicare-approved amount. Some states limit it even further. For example, in New York doctors can only charge 5 percent more than Medicare’s approved amount for certain services. This charge is in addition to 20 percent coinsurance(45 percent for mental health services). Providers who opt-out of Medicare are not subject to these limiting charges and can charge as much as they want, if the patient signs an agreement with them prior to receiving care.
Living Will: Also called “directive to physicians,” “health care declaration” or “medical directive.” Describes the type of care you want to receive as you near the end of your life in specific circumstances. In some states it only goes into effect only when your doctor certifies your health condition and that you are no longer capable of making decisions (“incapacitated”). It is narrow in scope and works best as a guide for your physicians and the person you have legally named to make health care decisions on your behalf using a health care proxy.
Lock-In: Limits your ability to change the way you receive your Medicare health andprescription drug (Part D) coverage to the Annual Coordinated Election Period (ACEP) andOpen Enrollment Period (OEP).
Low-Income Subsidy (LIS): See Extra Help.
Long-Term Care: Custodial care given at home or in a nursing home. Medicare does not cover long-term care. See also, Long-Term Care Insurance.
Long-Term Care Insurance: Provided by private insurance companies. It covers some of the costs of long-term care and can help you preserve your assets, but is often very expensive and is not a good option for most people.
Long-Term Care Ombudsman: An independent advocate for nursing home and assisted living facility residents who provides information about how to find a facility and how to get quality care. Every state is required to have an Ombudsman Program that addresses complaints and advocates for improvements in the long-term care system.
