Does Medicare Insurance Pay for In-Home Care?
Does Medicare Insurance Pay for An In-Home Caregiver?
Are you wondering what Medicare covers versus what has to be paid privately? Knowing the complexities of Medicare can save money. Understanding the available options and obligations for elder care services is critical.
Medicare covers medical services in the home
Though Medicare does not pay for non-medical in-home assistance, utilizing the services Medicare does pay for helps to create a complete and most-economical care plan. Medicare covers Home Health Services, Palliative Care, Hospice, and Durable Medical Equipment.
Home Health services include physical therapy (PT), speech therapy (ST), occupational therapy (OT), social workers, and skilled nursing care in the home. To qualify, a client needs a medical reason and a physician’s orders. A 3 day hospital stay is not required.
Palliative Care and Hospice Care provide someone with similar assistance as home health, yet these medical services focus on medical care for those diagnosed with life-threatening diseases and people in the end stages of life. There is no life-expectancy requirement for palliative care. Hospice Care is typically for someone who has less than 6 months to live.
Specific services covered may vary with Medicare HMO insurance programs.
Home care services are paid for by veteran benefits, long-term care insurance, private pay, or other sources
In home care is focused on providing non-medical custodial services such as cooking, cleaning, errands, light housekeeping, bathing, dressing, toileting, continence care, medication reminders, ambulation, physical activity and companionship.
Veteran’s benefits provide wartime veterans and their surviving spouses with tax-free financial aid for senior care. It is paid for by the Department of Veteran’s Aid and Attendance Pension. Long term care insurance policies cover the cost of long term care. Other financial solutions include insurance policy conversions and reverse mortgages.
Other residency options are also paid for by veteran benefits, long-term care insurance, or private pay
Independent Living Facilities, Assisted Living Facilities, Board and Care Homes, and Residential Care Facilities for the Elderly (RCFE) also usually qualify for benefits covered by VA benefits, long-term care policies.
Exploring your options for the care of an older adult can be a difficult and time-consuming process. Let Allways Home Care help you make the right choices. Contact Us for a complimentary in home assessment.
http://www.allwayshomecare.org/medicare-insurance-pay-home-care/Caregiver TrainingResourcescaregivers,home care