Does Medicaid Cover In-Home Care?
Yes, Medicaid will pay for in-home care in all 50 states. This type of care helps seniors who need assistance stay in their homes instead of moving to a nursing home. It’s a good option for those who want to stay independent, and it often costs less than nursing home care.
In some states, Medicaid lets you hire a family member, like an adult child or even a spouse, to be your caregiver. In-home care can also be given in different places, like the home of a friend or family member, or even in assisted living.
Medicaid Programs That Offer In-Home Care
- Regular Medicaid: Many states offer basic in-home care, like help with bathing, dressing, and other daily tasks. Some states provide even more services through special programs. One program, called Community First Choice (CFC), helps people with things like cooking, cleaning, and getting around. It’s available in nine states.
- Medicaid Waivers: These waivers provide more in-home services, but you need to show you need a higher level of care, like what you would get in a nursing home. The services can include adult day care, home modifications, and emergency alert systems. Keep in mind that some programs have waiting lists.
- Section 1115 Waivers: These programs let states try new ways to help people get care at home instead of in a nursing home.
Who Can Get In-Home Care Through Medicaid?
To get in-home care, you need to meet certain financial and medical requirements:
- Financial: Each state has different rules, but generally, a single person can have around $943 to $1,255 per month in income and $2,000 in assets. Some programs allow higher limits.
- Medical: You must show that you need help with everyday activities, like dressing, eating, or getting around the house.
What Services Does Medicaid Cover?
Medicaid can cover many in-home services, such as:
- Help with daily tasks like eating, dressing, and bathing
- Light housekeeping and meal preparation
- Medical equipment like walkers or wheelchairs
- Adult daycare programs
- Therapy services (physical, speech, or occupational)
- Temporary help to give caregivers a break (respite care)
How Much Will Medicaid Pay?
What Medicaid pays for in-home care depends on the state and the program. Some programs cover just a few hours a week, while others provide more assistance. If you hire a family member to care for you, Medicaid will pay them an hourly rate, which might be lower than regular market rates.
Call your Medicaid insurance provider for more details on what your Medicaid plan covers. They can give you specific information based on your state and situation.
For more information: Medicaid.Gov
