Typically, Medicare will not pay for in-home caregivers who provide personal care or housekeeping tasks, especially if those are really the only services you need.
However, suppose you need medical care while you’re recovering from an illness or injury. In that case, Medicare will pay for short-term caregivers. Medicare also covers other short-term health services such as physical therapy, skilled nursing facility care, or occupational therapy if a doctor authorizes it.
Medicare and In-Home Medical Care
There are different types of caregivers, such as those who help with medical care and those who help with non-medical personal care. Medicare coverage for in-home caregivers depends on some factors such as the type of care, why you need the care, and how long you need the in-home healthcare services. If you’re homebound as a result of a medical condition, Medicare will cover certain home healthcare services if you meet any of the following conditions:
- If you’re homebound and can’t leave your residence apart from short outings, such as doctor visits or religious gatherings. Enrollees who go to adult daycare can still receive coverage for in-home care.
- If your doctor recommends home healthcare and creates a plan listing the type of care you need.
- If you need skilled nursing care for up to 3 weeks.
- If the doctor recommends home healthcare and predicts your condition will improve in a reasonable amount of time.
- If you need a physical or occupational therapist to create a program to improve your current condition, maintain your health, or prevent you from getting worse.
What Services Are Covered?
Some of the caregiver services covered by Medicare include physical therapy, occupational therapy, speech and language therapy, part-time skilled nursing care, and part-time home health aide services. Medicare Advantage plans also cover medical services offered by caregivers and offer coverage for extra services such as transportation to medical appointments and adult daycares.
Medicare covers durable medical equipment that are medically necessary, such as:
- Blood sugar monitor
- Oxygen equipment
- Suction pumps
- And more
However, Medicare does not cover 24-hour care at home, meal deliveries, homemaker services when it’s the only service needed, or supervision without medical care.
To learn more about Medicare and how it provides coverage for the services you need, give Temmen Insurance a call today at 417 633-7200.