That wouldn't happen |
It's 400-500 in NOVA |
What the actual heck? |
It 100% does not cover in-home care for anyone who needs it on a long term basis. It covers it for very temporary care, like after surgery. But if you are disabled, and need someone to help you every day with activities of daily living so your spouse can leave and go to work... Medicare does not cover that care. There are situations where in theory it is possible to get Medicare to pay for up to 18 hours per week of such care, but the reimbursement scheme is so funky that in actuality, nursing agencies refuse to actually provide aides to cover those needs. They will at most send an aide a couple hours per week to provide a bath or something. It is a BIG problem for many disabled people, especially married people, because you need to spend down almost all your retirement assets before the disabled person can qualify for Medicaid and home health aide care. Yes, the "well spouse" can keep $100,000 of their retirement assets but the rest has to be spent before Medicaid will kick in for the disabled spouse. |
Medicare doesn't even cover 8 hours a day of home health care on an ongoing basis... it really covers only a couple hours per week at best, in reality. |
Medicare isn't covering $400/day of nursing home care, either.... Medicaid may, but not medicare. |
You clearly have no deep understanding of what in-home care is that Medicare provides. 1) the patient has to be improving, 2) it is doled out in at best 30 minute increments a few days a week for bed baths, PT, OT, and a supervising doctor has to Rx it. It is then assessed regularly. If a person isn't improving, then they go to the bed bath stage, and that isn't every day. If someone is bedridden, they need far more care than a bath every other day or so. Bedridden needs 24/7 either at home or in a nursing home. Medicare absolutely does not pay for that. As noted, it would bankrupt the nation. |
This would be MediCAID. |
Friday night and the drunk name caller has arrived. Many of us keep our loved ones at home and pay for 24/7 care out of pocket. Don't make blanket statements that you know nothing about. I will refrain from calling you an idiot. |
I don't disagree with this. We did this for our parents. But it is hugely expensive, easily 178K/year, and in many areas much more. So I make a point to not judge those who simply can't do it. Where it's a shame is for families who do have the money and still don't. |
Doesn’t California and maybe Connecticut already have a long term care program like this?
https://www.medicaidlongtermcare.org/eligibility/california/ I dint know much about it but it at least provides sort of a pilot program for this. |
This is MediCAID, which all states have. OP is saying the Harris is proposing LTC for MediCARE, which isn't going to happen any time soon, if ever. |
This article was written in 2018 but the facts are still true today.
It is almost impossible to get a Medicare approved home health agency to accept you as a client for a long term illness (where you are unlikely to improve) versus if you are a patient needing short term rehab (likely to improve). People who are in need of long term assistance have to pay out of pocket. https://www.npr.org/sections/health-shots/2018/01/17/578423012/home-care-agencies-often-wrongly-deny-medicare-help-to-the-chronically-ill |
All states have something for those with no money. But if you have assets you are supposed to spend those down first, not leave anything to your spouse, and heirs. But if you need a kidney transplant at a cost of maybe $500,000? Medicare covers that. You aren’t expected to spend all your assets first. If you need any medical treatment or therapy, that is not asset tested. But if you require help feeding yourself or bathing yourself, toileting and changing diapers, emptying catheters, getting dressed due to an illness or disease, Medicare only covers it for a few weeks. |
In home care should only be provided for people who live in housing below 75% of median price. |