Reply to Harris Proposes that Medicar cover Long-Term Care at Home

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[quote=Anonymous][quote=Anonymous]

Medicare ALREADY COVERS in-home care. There are criteria to meet, but it already covers it.

But, to repeat: Medicare already covers in-home care. So, what's the proposed change?[/quote]

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.[/quote]

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