Will Medicaid Pay for Mom's Home Care?
My mom is being told that she needs 24-hour in-home care. She has never applied for Medicaid but she does not have the money...
Read more[This article was originally published on April 24, 2013. The links were updated on July 12, 2018.]
Public and private agencies offer a variety of home care services that may be available to you, including the following:
Medicare and Medicaid provide some coverage of the medical portion of home health care. Although the coverage is often inadequate, when combined with other resources available to the older person and his or her family, it may be enough to keep a fragile older person at home for a longer period of time. For an explanation of the coverage of home health care available under Medicare, click here. Recognizing that home care can cost far less than nursing home care, a growing number of states are providing services to those who remain in their homes, but Medicaid home care services vary widely from state to state.
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There are thousands of private home care agencies around the nation. About half of these are Medicare or Medicaid certified agencies, meaning that these two federal programs will reimburse for services provided by the agency if the services are covered. Such certification also means that the agency has met certain minimum federal standards regarding patient care and finances. Home care agencies can also gain accreditation from private accrediting organizations. The three major accrediting groups for home care agencies are the Community Health Accreditation Program; the Joint Commission on Accreditation of Healthcare Organizations; and the National Association for Home Care & Hospice.
Non-medical services are also available to help older persons remain independent. The Older Americans Act funds more than 10,000 senior centers and gives grants to state and Area Agencies on Aging to provide services to seniors that include Meals-on-Wheels, transportation, respite care, housekeeping and personal care, money management, and shopping. Services are usually free but staffing may be limited.
To find Area Agencies on Aging programs across the country, visit the Eldercare Locator Web site at https://www.eldercare.gov or call the nationwide, toll-free Eldercare Locator at 1-800-677-1116. In many cases, these agencies may offer case management and coordination services as well.
The profession of "private geriatric care manager" has evolved to help coordinate services for seniors. Private geriatric care managers usually have a background in either social work, nursing, or psychology and are experts in helping older persons and their families make arrangements for various kinds of long-term health care. These care managers evaluate an older person's needs, review the options available, and monitor care once it is being delivered. To find a geriatric care manager in your area, visit the Web site of Aging Life Care Association (formerly the National Association of Professional Geriatric Care Managers) at https://www.aginglifecare.org.
Other helpful articles from ElderLawAnswers:
Checklist on Hiring a Home Care Provider
Hiring a Caregiver: Should You Employ One Yourself or Go Through an Agency?
Additional resources
Web sites
AARP: Needs Assessment Checklists
Administration on Aging: How Do I Hire a Home Care Employee?
American Geriatrics Society: Eldercare at Home
Family CaregiverAlliance: Hiring In-Home Help
National Institute on Aging: There’s No Place Like Home – For Growing Old
Mayo Clinic: Home Care Services: Questions to Ask
Veterans Administration: Aide and Attendant Benefit
Caring Connections: Caring for Someone
Books:
ElderCare 911: The Caregiver’s Complete Handbook for Making Decisions, S. Beerman, MS, MSW and J. Rappaport-Musson, CSA (2008, Prometheus Books)
How to Care for Aging Parents, Virginia Morris (2004, Workman Publishing)
The Caregiver’s Helpbook: Powerful Tools for Caregivers, Legacy Caregiver Services, (2006, Legacy Health System
My mom is being told that she needs 24-hour in-home care. She has never applied for Medicaid but she does not have the money...
Read moreAn attorney now in his ninth decade has compiled a detailed reference for anyone needing to learn about caring for the elderl...
Read moreTraditionally, Medicaid has paid for long-term care in a nursing home, but because most individuals would rather be cared for...
Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
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READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
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