If your loved one is homebound due to injury, illness, or recent hospital discharge, you might be surprised by how much Medicare can help. There are specific home health services that can happen right in the living room. Knowing what’s covered—and how to ask for it—is essential to accessing these services.
Skilled nursing care. If your relative has an intermittent need for skilled nursing care, Medicare can usually cover visits for up to three weeks (more if requested by the doctor). The “homebound” requirement means that it’s a taxing effort to leave home. Typical scenarios include recovery from joint replacement, wound care, or need for medication or treatment by IV. In addition, Medicare may cover medications, other supplies, and essential equipment such as a wheelchair or IV stand. All services must be provided by a Medicare-certified home health agency. (Note that home health care is different from home care, which Medicare does not cover.)
Rehabilitation therapy. Physical therapy, speech therapy, and occupational therapy are other Medicare-covered services that can come to the home. Again, depending on doctor’s orders, this is usually for a limited period.
Hospice care at home is a significant Medicare program. If your loved one has a serious illness and the doctor believes they may pass away within six months, hospice can bring support to both of you. Care includes nurses, aides, help with pain, and emotional or spiritual support. Grief support for your family is also covered.
Hospital at Home is a newer benefit. It lets your loved one get hospital-level care—like oxygen, monitoring, and daily doctor visits—right at home. But it’s not available everywhere yet.
You have to ask. Start by talking to your relative’s doctor or discharge planner. Ask, “What can Medicare cover at home?” Advocate as needed for services at home. You and your family member deserve the help!