Medicare doesn't provide long-term care coverage or custody care unless medical care is needed. Learn more about what your plan covers, including Home Care near Mt. Bethel PA. For the first 20 days, Medicare will pay 100% of the cost.
For the next 80 days, Medicare will pay 80% of the cost. Skilled nursing for more than 100 days is not covered by Original Medicare. That said, healthcare is different from skilled nursing care, which involves helping to perform medical tasks, such as changing clothes. Generally speaking, Medicare only covers long-term skilled nursing care, not custody care. With that said, keep reading to learn what type of long-term care is covered by Medicare, who is eligible for coverage, and how to get help paying for it. Medicare will cover part-time skilled nursing care, physical therapy, occupational therapy, and other specialized care services provided in your home if you meet certain conditions.
However, this coverage is usually short-term and does not include 24-hour care, food delivery, or help with activities of daily living, such as bathing and dressing. Medicaid is a public health insurance program, administered by individual states, that lowers barriers to care for low-income people of all ages. Privately purchased Medicare Advantage (Part C) plans vary widely in terms of coverage, but they generally only cover short-term nursing home stays if someone needs specialized nursing care. Because this type of personal care is not medical, it can be provided by care aides and does not require the presence of a nurse or doctor. You may be eligible for long-term care through Medicaid, or you may choose to purchase private long-term care insurance.
The home care that Medicare will cover depends on the type of care being treated and whether it is actually medical in nature. This type of insurance policy can help pay for many types of long-term care, including specialized and non-specialized care. Medicare will not cover stays longer than 100 days and will not cover a nursing home stay at all if skilled nursing care is not needed. Medicaid can provide broader long-term care coverage for those who meet income and asset requirements.
Medicare won't pay for custody care for a person who has Parkinson's disease, if that's all you need. Yes, Medicare Part A can partially cover up to 100 days in a nursing home if specialized nursing care is required. Nursing homes, or skilled nursing facilities, provide medical and personal care services for people who cannot live safely on their own. Some policies may only cover nursing home care, while others may cover a variety of services, such as adult day care, assisted living, medical equipment, and informal home care. Medicare Part A will fully cover an older person's rehabilitation stay in a nursing home for up to 20 days, and partially for days 21 to 100.
When it comes to palliative or home care covered by Part A, Medicare generally covers all costs, with the possible exception of small co-payments for respite care or prescription drugs. If your loved one prefers to stay in their own home, home care supports their independence and, at the same time, provides family caregivers with a break. What Medicare doesn't cover is rent or room and board in a long-term care facility, including nursing homes.
