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Medicare: Does Medicare pay for home health care? - YouTube
Channel: Cardinal Advisors
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Today's lesson is on how Medicare covers, or doesn't cover, home health care and
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many folks are under the false
assumption that Medicare just pays for
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home health care. I'm talking about when
nurses and aides and physical therapists
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are coming out to your home and providing care typically after a hospital stay.
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We're going to talk a little bit about
that today, and what medicare covers at
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home is really skilled nursing care, and
what they don't cover is custodial care,
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and if you look at all the home health
care that's delivered to people across
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the country most of it is to older
people who are on Medicare and most of
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the care people get is custodial care.
I'm talking about help with the
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Activities of Daily Living, which is bathing, dressing, transferring,
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those types of things, just getting
through the day and a key element
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in custodial care to receive it is that
you don't have to show
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improvement - you don't have to show that you're getting better. Now with skilled
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care that's key, is that in order to
have it approved by Medicare and called
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skilled care and them delivering for you
in paying it, you have to
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show improvement and it is delivered by
a more professional level, like an RN or
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a physical therapist or a speech
therapist, and they're coming in to do
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something for you, specifically they're
doing it on an intermittent basis, it's
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part of a plan of care from your doctor,
you know so you can get physical
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therapy at home and get Medicare to pay
for it. Where the problem comes in is,
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what you really need, when you're coming
home from the hospital and you're going to
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be home for four months, maybe
indefinitely, and you're needing care,
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you're needing help just getting around,
somebody taking care of you, somebody
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cleaning your house and
fixing your meals, and just taking you to
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the doctor, that sort of thing -
Medicare has just literally no coverage
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for this, but they do have coverage for
when they're doing medical services for
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you, physical therapists, professional
services. In any case, they won't
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cover it for longer than 60 days. So why
does this matter for people that are
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just coming onto Medicare? You're early
in Medicare,
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you're still in reasonably good health,
maybe you've got some ailments, some
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problems and chronic conditions, and
you're concerned about the hospital and
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you're coming to us and our firm for
Medicare Supplement insurance, Medicare
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Supplement advice, or perhaps Medicare
Advantage, so why are we going over like
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how they cover home health care and
really nursing home and rehab and that
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sort of thing? Well, what's important, this
is going to be real important to you
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when you're 85 or 90, and our
clients that are that age, many of them
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are not very well prepared for this,
either financially or emotionally, to
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make decisions, they don't even know who to call to get home health care in many
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cases or what type of care to ask for.
So Medicare is going to come in
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there and they're going to provide some
services for awhile but if you think you
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can rely on Medicare to take care of you
at home in your later years,
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you're working on a false
assumption. The second thing is for
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people more the age of you, of people
listening to the video, you just see this
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is way in the future and you're also
seeing well Medicare will pay for that, I
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always thought that there was coverage
and generally they'll quote some example
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to me and I just want to let you know
that this is something you need to learn
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about, study about. We're professionals
about it. I'm Hans Scheil and I thank
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you for listening.
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