Medicare covers home care under certain conditions. To be eligible, one has to:
- receive doctor’s orders for in-home care.
- use an agency in the Medicare network.
- be home bound.
Medicare covers skilled nursing care, physical therapy, occupational therapy and speech language pathology services. Long-term care is not covered.
The Federal Government requires that states provide assistance to people who qualify for federal income programs such as Social Security and TANF. Even if you don’t receive TANF benefits, you may qualify for Medicaid based on your income. Services include:
- Part-time nurse care
- Home care aides
- Medical equipment and supplies
States are given the option to fund additional services at their discretion.
While the VA itself does not always provide home care, your local VA facility may pay for it. You will need a recommendation from a VA doctor. Policies differ based on your region, so call to find out about eligibility requirements.
Most plans cover short-term care that meets eligibility requirements, but long-term care coverage is less common.
Long term insurance care is a private paid cover for home care. The level of coverage depends on your plan. Most cover assisted living and nursing homes. Adult day care, foster care and home care are services you’ll have to triple check to make sure they’re covered in your policy. Be aware that many plans have a waiting period of 30-120 days before they can be redeemed.
Life insurance can also be used to cover home care. Ask your agent about converting your policy to a Long Term Care Benefit Plan.