Far and away the number one question we here at SHC get is–Who pays for this care? And the answer, like many things in life, is “it depends”.
I can tell you doesn’t pay- Medicare. Medicare WILL pay for routine HOME HEALTH visits while treating a specific illness or disease process, but then after the financial cap is hit, that’s it. And Straight Medicare it never pays for someone to stay overnight or throughout the days ( Some Medicare Advantage plans have limited Home Care Policies). This is a huge shock for most people as they believed it did and often become upset when I tell them otherwise.
Home care is generally paid for privately (cash) or via a long term care insurance policy (see link below to more info on this issue).
The only government program available to help pay for in home care is IHSS-which is –In Home Support Services. This California quasi state-government agency requires that the individual be qualified for Medi-Cal services & there are limits on what and how long they will pay for the services. Cut and past the addresses below into your broswers for more info.
See this In Home Services link here-
Long term Care Insurance Info