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Medicare Guide for Caregivers

October 25, 2023

Medicare Guide for Caregivers

Taking care of a senior can be a challenging job, especially when it comes to understanding Medicare. For millions of caregivers nationwide, navigating the complicated Medicare system can be overwhelming, and rightly so. The complex jargon and ever-changing regulations can create a lot of confusion and stress.


Medicare is a federal health insurance program that aims to provide affordable and accessible healthcare for Americans aged 65 and above or those with disabilities. Medicare is divided into four parts: Part A, Part B, Part C, and Part D. Part A covers inpatient hospitalization, skilled nursing facilities, hospice care, and some home health care. Part B covers medically necessary services and supplies, including doctor visits, outpatient care, preventive services, and medical equipment. Part C, also known as Medicare Advantage, is offered by private insurers and combines Part A, Part B, and sometimes even Part D benefits into one plan. Part D offers prescription drug coverage to those who enroll in a separate plan.


About 22% of adults have reported being a caregiver. Some Medicare benefits could help pay for care that might give those friends and family members a break. That's why we've put together this guide for Medicare caregivers that will help you better understand Medicare coverage. Keep reading to learn more.


Home Healthcare Services



When it comes to healthcare, most people prefer to receive treatment in the comfort of their own homes. This is where home healthcare comes into play. It's a type of healthcare that's provided to patients who require medical attention at home. Home healthcare can include a wide range of services.


Under certain conditions, Original Medicare will cover medically necessary home healthcare services. To be eligible for coverage, an individual must be homebound, meaning they're unable to leave their home without assistance. They must also require skilled nursing care or therapy services to address a medical condition. Medicare covers care given at home for fewer than 8 hours per day or 28 hours per week. This means that caregivers can receive some professional support and assistance without having to worry about the cost.

It's important to note that Original Medicare does not include coverage for 24-hour care or help with daily living tasks like meal preparation and bathing unless it's medically necessary as a part of skilled nursing care.

Medicare Advantage and Home Healthcare Coverage:

Most Medicare Advantage plans include all the benefits of Original Medicare and can also provide coverage for home healthcare services. Home healthcare typically includes services like skilled nursing care, physical therapy, occupational therapy, and home health aide services. These services are essential for individuals who require medical care but can receive it at home instead of in a hospital or healthcare facility.

Additional Benefits: In addition to the basic coverage, many Medicare Advantage plans offer extra benefits not covered by Original Medicare. Some plans may include vision, dental, hearing, and even prescription drug coverage. These additional benefits can be valuable for seniors who want a more comprehensive healthcare package.

Coverage Variations: It's important to note that the specifics of home healthcare coverage can vary from one Medicare Advantage plan to another. Some plans may cover a wide range of home healthcare services, while others may have limitations on the number of visits or specific conditions that need to be met for coverage.

Costs: The costs associated with Medicare Advantage plans, including home healthcare services, can also differ. This includes monthly premiums, copayments, coinsurance, and deductibles. Some plans may offer $0 premium options, but beneficiaries should be aware of out-of-pocket costs associated with specific services.

Network Restrictions: Medicare Advantage plans often have provider networks, which means you may need to receive home healthcare services from providers within the plan's network to maximize coverage. It's essential to check if your preferred home healthcare providers are part of the plan's network.

In summary, Medicare Advantage plans can include home healthcare coverage as part of their comprehensive benefits. However, the extent of coverage and associated costs can vary among different plans, so it's crucial to carefully review and compare plan options to choose the one that best suits your healthcare needs, including home healthcare services if required.


Skilled Nursing Care

Skilled nursing care, also known as medically necessary care or post-acute care, is a type of healthcare service that's provided to individuals who require complex medical attention due to chronic conditions, injury, or illness. Medicare provides coverage for skilled nursing care for eligible beneficiaries.


Skilled nursing facilities (SNF) are institutions that provide inpatient care to people who require services like physical therapy, wound care, or daily medications. Individuals at a care facility are usually recovering from an injury or illness that requires a higher level of medical attention. A skilled nursing facility may provide a safe and healing environment for patients to recover from acute conditions and receive the necessary medical attention to improve their overall health.


For Medicare caregivers, understanding the Medicare guidelines for skilled nursing care is essential in obtaining the necessary care for their loved ones. To qualify for Medicare coverage for skilled nursing care, the patient must have had a minimum of three consecutive days in the hospital and require continued skilled nursing care. Once eligible, Medicare beneficiaries can receive up to 100 days of covered skilled nursing care. Medicare Advantage plans typically cover these services sooner and could include additional benefits.

Medicare Advantage and Skilled Nursing Services 

Medicare Advantage (MA) plans can offer skilled nursing services as a benefit. Skilled nursing services are a crucial component of healthcare, especially for individuals who require specialized medical care and assistance. Here's what you need to know about Medicare Advantage and its coverage of skilled nursing services:

  • Skilled Nursing Services Benefit: Many Medicare Advantage plans include skilled nursing services as part of their benefits. These services are typically provided by licensed healthcare professionals, such as registered nurses or physical therapists, and can include:
    • Post-Hospital Care: Skilled nursing services are often used for post-hospitalization care. This can involve a range of medical services, including wound care, medication management, physical therapy, and monitoring of vital signs.
    • Rehabilitation Services: Medicare Advantage plans may cover rehabilitation services provided in a skilled nursing facility. This can be essential for individuals recovering from surgeries, injuries, or medical conditions that require intensive therapy and assistance.
    • Long-Term Care: Some Medicare Advantage plans may also cover long-term skilled nursing services for individuals who have chronic conditions and need ongoing medical care and supervision.
  • Duration of Coverage: The duration of coverage for skilled nursing services can vary from one Medicare Advantage plan to another. Some plans may cover a specific number of days (e.g., 100 days) in a skilled nursing facility per benefit period, while others may offer more extended coverage.
  • Costs and Requirements: While Medicare Advantage plans can provide coverage for skilled nursing services, beneficiaries may still be responsible for certain costs, such as copayments or coinsurance. Additionally, there are usually eligibility criteria that need to be met, such as a prior hospital stay of at least three days for coverage to kick in.
  • Network Considerations: Like other healthcare services under Medicare Advantage, the availability of skilled nursing services and the specific facilities or providers that are in-network can vary among different plans. It's essential to check whether your preferred skilled nursing facility is part of the plan's network.

If you or a loved one anticipate needing skilled nursing services, it's crucial to review the specific terms and conditions of the Medicare Advantage plan you are considering to ensure it meets your healthcare needs.


Medical Social Worker Coverage

Medical social workers are an essential part of the healthcare team and will work with caregivers to provide support to patients during times of illness or recovery. They specialize in providing assistance to those who are dealing with a broad range of physical, emotional, social, and financial issues that can arise as a result of healthcare concerns. In particular, medical social workers can provide valuable guidance to caregivers who are searching for effective methods of caring for their loved ones with chronic medical conditions.

Social work services fall under Medicare Part B. The person receiving services is usually responsible for 20% of the cost of care. Medical social workers can connect older adults to resources, provide counseling, and coordinate with family members on care plans.

Occupational and Physical Therapist Coverage

One of the key components of Medicare is the coverage of services related to physical therapy and occupational therapy. Both of these services are important in the treatment of injuries or health conditions and can help slow down the physical decline of a patient. Occupational and physical therapy can help Medicare caregivers ensure their loved ones can remain mobile and active.

Occupational therapy focuses on helping individuals with daily living and work-related activities. Physical therapy, on the other hand, focuses on improving mobility and reducing pain. Medicare Part B covers both occupational and physical therapy services prescribed by a physician, but the person receiving the services is usually responsible for 20% of the cost of care.


Original Medicare has some specific requirements that must be met for these services to be covered. For example, the therapy must be provided by a licensed physical therapist and must be aimed at treating a specific medical condition. Additionally, the patient must demonstrate significant improvement in their condition for the therapy to be continued.


Speech-Language Pathology Services

For many seniors and individuals with disabilities, speech and language problems can significantly impact their quality of life, making it difficult to communicate with others, participate in social activities, or even perform daily tasks. Speech-language pathology (SLP) is a specialized service that helps individuals improve their communication and swallowing abilities. Medicare Part B covers SLP services that are medically necessary to diagnose and treat a communication or swallowing disorder. This includes services provided by a licensed or certified SLP, such as therapy, testing, and evaluations.


Medicare covers these services in a variety of settings, including outpatient clinics, hospitals, skilled nursing facilities, and home health care. However, it is important to note that Medicare only covers SLP services that are medically reasonable and necessary based on the individual’s condition and the standards of medical practice. Before receiving SLP services, Medicare caregivers should check with the provider to ensure they accept Medicare and that the services are covered.


Further, Medicare may require a physician’s order or referral for SLP services, so it's vital to discuss this with a doctor as well. With Medicare coverage for SLP services, individuals can access the support they need to improve their communication and swallowing abilities and ultimately enhance their quality of life.


Coverage for Medical Supplies and Equipment



Medicare Part B covers equipment that might help people who are receiving care at home. This makes it easier for caregivers to provide support. Under Medicare, certain durable medical equipment (DME) and supplies are covered, including walkers, wheelchairs, hospital beds, oxygen equipment, and more. These medical supplies and equipment are considered medically necessary for the treatment of a condition and are covered when prescribed by a doctor. In addition to DME, Medicare covers various disposable medical supplies like insulin, lancets, test strips, and catheters.


However, it's worth noting that not all medical supplies and equipment are covered by Medicare, and coverage can also vary depending on the type of Medicare plan. People with Medicare Advantage plans may have different coverage options for medical supplies and equipment than those with traditional Medicare. To get a full understanding of Medicare’s coverage for medical supplies and equipment, it's best to review the official policy and speak with a Medicare specialist or healthcare provider.


Meal Delivery Coverage

For many Medicare caregivers, supplemental services like meal delivery services can help ease some of the burdens. There are many services available to seniors to deliver meals and even groceries. However, while Original Medicare covers a lot of medical services, it does not typically cover meal delivery services. Medicare only covers meals in inpatient settings, such as a hospital or skilled nursing facility.


Some Medicare Advantage plans (Part C) do offer coverage for meal delivery services. If a patient qualifies for the service, it can ease a caregiver’s burden by providing nutritious meals at home. But it's important to note that the plan may limit the number of days that meal delivery is covered, and a healthcare professional may need to certify that meal delivery is necessary.


When it comes to caring for a loved one, friends and family members are often the first line of defense. They provide essential care in the form of daily living tasks such as housekeeping, meal preparation, and hygiene. However, as much as this care is essential, it can also be emotionally and physically taxing for the caregiver. As a result, it's imperative that caregivers understand the Medicare program and what services can help provide some support and relief.


Understanding Medicare coverage is crucial for caregivers to provide optimal support to their loved ones. With the ever-changing healthcare landscape, it's paramount to stay updated with Medicare's policies and covered services to ensure your loved one is receiving the best possible care. Take the time to understand the various parts of Medicare and additional supplemental Advantage plans and seek guidance from healthcare professionals if needed. By doing so, Medicare caregivers can help loved ones navigate through the healthcare system with ease and provide them with the care they deserve.


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