Medicare and Medicaid have different coverage options for in-home care.
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities. Medicare Part A covers inpatient hospital care, skilled nursing facility care, and some home health care services, but it does not typically cover long-term in-home care. However, Medicare Part B may cover certain medically necessary services provided by a home health agency, such as intermittent skilled nursing care, physical therapy, and occupational therapy. It's important to note that Medicare coverage for in-home care is generally limited and requires meeting specific criteria.
Medicaid, on the other hand, is a joint federal and state program that provides health coverage to low-income individuals and families. Medicaid coverage for in-home care varies by state, as each state has its own rules and regulations. Some states offer home and community-based services (HCBS) waivers, which allow Medicaid beneficiaries to receive long-term care services, including in-home care, as an alternative to institutional care. These waivers often have eligibility requirements and may have waiting lists.
To determine if Medicare or Medicaid will cover in-home care, it's best to contact the respective programs directly or consult with a healthcare professional who can provide personalized guidance based on your specific situation.
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