Medicare Senior Caregivers

This is a question which constantly comes up when a senior needs care services:  Does Medicare pay for a caregiver to provide senior care services in the home?

The reason there is much confusion around this is because Medicare will sometimes pay for what is called "skilled care", provided by a Registered Nurse (RN), Physical Therapist (PT), Occupational Therapist (OT), Speech Therapist (ST).  And Medicare will provide these skilled care providers to visit a senior in their home.  A doctor must approve and prescribe the services and for the care to continue, the senior must show improvement (the idea is that this is short-term therapy to improve a condition, especially after a stroke or hip replacement, for example).

The services may be for as many as 3 visits per week but usually a R.N. is only approved if there is an open wound or medications such as shots must be managed and performed by a R.N.

Medicare's skilled home care does not provide for a Certified Nursing Aide or Companion Caregiver.  These services must be paid for privately or through long-term care insurance, unless a senior has started hospice care, which can provide for a Certified Nursing Aide to visit. , ,

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