paying for in home care

Will Medicare Cover Your In Home Care?

What happens after you leave the hospital but additional help is necessary at home? In some situations, Medicare will cover in-home care which can spare you of further costs or expenses.

Of course, some in-home care is likely to be needed when you’re ill or recovering from an illness and extra help might also be required after surgery. You may require skilled nursing, physical therapy, or some other medical service. With Medicare, it’s possible you may be able to recover at home instead of a nursing home, but it doesn’t help with every type of in-home care, or in every instance it is needed.

In-home care:  medical vs. non-medical

When you need in-home care for yourself or a loved one, it’s imperative to understand the difference between medical and non-medical when requesting assistance. This makes a big difference when it comes to Medicare coverage. Keep in mind that your care will have to be ordered by your attending physician.

Medical care: If your doctor orders medical care and you qualify for the home health benefit, you’ll have coverage for a limited time, for in-home skilled nursing care, rehabilitative therapy, medication administration, medical-social services, and specific medical equipment.

Non-medical care: If your doctor says you need non-medical care, Medicare typically won’t cover it. They don’t pay for personal home services such as bathing, dressing and exercise, meal planning or preparation and delivery, housekeeping, shopping, transportation, companion service, and telephone safety checks. Although these may be vitally important, they are usually not covered.

Back to the question: Does Medicare cover in-home care or not?

Medicare Part A and/or Part B may help pay for some, or all, of your in-home care if:

  1. Your doctor accepts Medicare assignment.
  2. You need special medical equipment to make it possible to leave home. Your doctor must certify that you’re homebound.
  3. A doctor orders in-home care for the patient, certifying that there is a need for intermittent skilled in-home care, but not continuous care.
  4. A physician has seen you in person to confirm that you earnestly need specialized in-home care.
  5. You are able to obtain services from a Medicare-certified home health agency.

In summary, in-home care may be covered by Medicare, but only if skilled nursing services, besides personal care, are needed.

How Home Care Assistance of [hca_city] Can Help

Home Care Assistance of Carmel is a private pay in home care provider. This means that we do not accept Medicare. Most home care services are excluded from Medicare coverage, so we are dedicated to finding an affordable, flexible care plan that is right for your loved one. Contact us for a free consultation to review your in home care options.

Financial Blunders By Retirees in Carmel, IN

Financial Mistakes Retirees Often Make

Just like everyone else, many seniors fall into making financial mistakes. The difference is that younger people are often able to put in longer hours at work to make up for their mistake while seniors are often living on a fixed income. Indianapolis elderly care professionals recommend talking to your senior loved ones in order to avoid these common financial mistakes.

Buying Something Because It Is Interest-Free

Retailers often capture a buyer’s attention by making purchases interest-free for a while. One of the problems with this plan is that seniors can be lulled into buying something that they do not need or buying a better model. The second problem is that seniors do not create a plan to pay off the purchase during the interest-free period, then they get hit by very high interest rate charges.

Not Maintaining a Household Budget

Many seniors do not create or maintain a household budget after retirement. This can be a big problem especially for seniors who get all their money one time during the month. Live-in caregivers in Indianapolis should start by writing down all bills that must be paid during the month. Have your loved one pay those bills first, then set aside some money for fun each month.

Not Considering Inflation

Many retirees make the choice to retiree before they think about how the cost of items will rise over time. Recently, inflation has raised at the rate of 2.5 percent per year, but there is no guarantee that it could not raise drastically. Make sure your loved one considers this fact before deciding when to retire. Putting off drawing Social Security each month by continuing to work can pay off huge dividends.

Not Recognizing Scams

Medicare fraud is a huge problem for seniors who believe a representative was sent to their home to collect private information. Buying prescriptions online can also lead the senior to spend money for drugs that are not real. Seniors spend thousands each year on anti-aging products that do not work.

If you are a family caregiver, then it may be time for you to help your senior manage their finances. Turn to Home Care Assistance for help managing your loved one’s finances and overall wellbeing. We provide specialized Alzheimer’s, dementia and stroke care Indianapolis seniors need to boost confidence and overall wellbeing. Call [hca_phone] today to learn more about our comprehensive services and meet with a trusted Care Manager.