Medicare, Medicaid, and Home Care

Prospective clients often ask us whether Medicare benefits will cover in-home care.  Medicare only provides benefits available for skilled home care services for seniors who are homebound and cannot easily travel to and from outpatient rehab services.  The home health benefits require you to be under the care of a doctor who has established a care plan for you.  The doctor must sign off on either:

  • part-time skilled nursing care
  • physical therapy
  • speech therapy
  • occupational therapy

Your home care agency will have to be Medicare-approved for these services.  Before starting care, you should work with your doctor and the home health agency to be sure you know what services and supplies Medicare will cover, and what you will have to pay for yourself.

Medicare does not cover 24-hour home care, personal care, or homemaker services.  However, you may qualify for assistance with these services under Medicaid.  In most states, Medicaid covers services that help you remain at home.  You must be Medicaid-eligible and need assistance with multiple activities of daily living such as bathing, dressing, using the bathroom, and eating.

Visit Medicare.gov  for more information about Medicare, and the Department of Health and Human Services for information about your state’s Medicaid programs.