• Medicare typically doesn’t pay for in-home caregivers for personal care or housekeeping if that’s the only care you need.
  • 如果您还需要医疗保健，请从手术，疾病或伤害中恢复，Medicare可以支付短期护理人员。
  • Medicare pays for short-term home health services like skilled nursing care, physical therapy, or occupational therapy if you’re homebound and your doctor orders it.

If you have a medical condition that makes it harder to get out and about, home healthcare may be a more convenient, less expensive, and effective way for you to get the care you need.

时，原医疗保险（Part AandPart B）如果您是房屋，可能会在您家中覆盖您的医疗保健。Medicare还可以在疾病或受伤后的短期内为您的日常需求付费。

But if you need long-term help with daily activities in your home, it’s important to know that Medicare typically doesn’t cover those caregiving services.

医疗保险费用为家庭护理人员是否取决于您收到的护理类型，您需要关心的原因，以及您需要的时间的时间。

In-home medical care

If you’re homebound because of an illness or injury, you can use Medicare home health benefits if any of the following apply:

  • 除了短的郊游之外，你不能离开家，比如去看医生或宗教服务。一个例外：如果您去成人日托，您仍然可以在家托运。
  • 您的医生验证您需要家庭护理，并写出概述您需要的护理的计划。
  • 您需要熟练的护理护理（每天不到8小时，每周不超过28小时，长达3周）。
  • Your doctor thinks your condition is going to improve in a reasonable, or at least predictable, amount of time.
  • You need a skilled physical, occupational, or speech therapist to design a program to help you improve, maintain your current state of health, or keep you from getting worse.
  • You need ahome health aideto help care for you while you recover.
  • The home health agency providing your care is Medicare-approved or certified.

为了持续享受家庭护理，您需要在您开始接受家庭医疗保健服务后30天后的医生不到90天。

Medicare covers many services, some of which may be provided in your home. Here are some services and the Medicare rules that apply to them.

物理疗法

如果物理治疗师在您家中对待您，Medicare可能会支付这些类型的服务：

  • assessment of your condition
  • gait training和练习帮助你重建ver from surgery, injuries, illnesses, or neurological conditions like stroke
  • postoperative wound care
  • wound care伤害，烧伤或病变

Occupational therapy

如果一个n职业治疗师treats you at home, you can expect to receive these kinds of services:

  • 帮助建立用于服用药物，规划膳食和照顾个人需求的日常惯例
  • training in strategies to conserve your energy and reduce stress
  • 教你如何安全地开展日常任务
  • helping you regain the ability to function, given your needs and condition
  • 帮助您执行医生的订单

言语治疗

如果一个speech therapist在您家中与您合作，这里有一些您可以收到的服务：

  • 帮助记住或识别单词
  • 治疗帮助您恢复能力swallow
  • therapy to help you eat and drink as normally as you can
  • education about alternative ways to communicate if you cannot speak
  • education about new ways to communicate if you’ve lost your hearing

Nursing care

如果一个registered nurse or licensed practical nurse comes into your home to care for you, they may:

  • change your wound dressings
  • change yourcatheter
  • inject medications
  • 执行tube feedings
  • administer IV drugs
  • educate you about how to take your medications and care for yourself

Home health aides

另一方面，家庭健康助手可能会帮助您解决这些服务：

  • monitoring your vital signs, such as heart rate, blood pressure, and body temperature
  • making sure you’re taking your medications the way you should
  • evaluating whether your home is safe for you, given your needs and condition
  • 检查你正在以健康的方式饮食

Other services

You may also be eligible for in-home social services. If you qualify, you may get help finding resources in your community to help you adjust to your condition. You may also receive social, emotional, or psychological counseling related to your condition.

Medicare通常不会覆盖护理人员，他们帮助您使用日常生活活动，除非您从疾病或受伤中恢复的短时间内是必要的。

保管护理generally includes services like meal delivery or preparation, shopping, laundry, housekeeping or cleaning, help bathing and dressing, or assistance using the restroom. Medicare won’t pay for a caregiver to provide these services in your home if these are the only services you need.

Medicare also doesn’t pay for:

  • 在家里24小时护理
  • full-time skilled nursing care
  • 运输
Your home healthcare rights under Medicare

Medicareguaranteesyou certain rights and benefits. You have the right:

  • 选择您的家庭健康提供者
  • 让您的财物和您的家庭接受尊重
  • 获取您的健康计划的书面副本
  • to make your own healthcare decisions
  • to know if your care plan is changing
  • to have your privacy protected
  • 如果您无法为自己制作，请选择家庭成员或代表作出决定
  • 被告知（以书面形式）您的成本将是什么
  • 联系家庭健康热线报告欺诈或虐待
  • to get written information about how to appeal Medicare decisions and how to report fraud or abuse

一种2019年产业调查on home health costs found that a home health aide is likely to cost an average of $4,385 per month. The same survey listed the average monthly cost of a caregiver to provide custodial care services as $4,290.

如果您或您所爱的人耗竭您的财务资源，您可以享受医疗保险和医疗补助的资格。

Every state has at least one home- and community-based health services waiver program. If you meet the eligibility guidelines, this type of waiver program could help you pay for things like:

  • adult day care
  • 家政服务
  • 帮助每日个人护理
  • modifications to your home
  • 帮助家务

If you think you or someone in your family might need custodial care, you may want to consider a long-term care insurance policy to help you cover the cost.

Medicare补充（Medigap）计划也可能有助于您支付Medicare不会覆盖的一些成本。

Part A

Medicare Part Ais hospital coverage. If you were admitted to the hospital for 3 consecutive days or Medicare covered your stay in askilled nursing facility，部分A将涵盖家庭医疗保健100天，只要您在离开医院或护理设施的14天内获得家庭健康服务。

Part B

Medicare Part Bis medical coverage. If you need home health services but weren’t admitted to the hospital first, Part B covers your home healthcare. You do have to meet the other eligibility requirements, though.

第C部分（Medicare Advantage）

这些计划提供相同的基本覆盖,并用ginal Medicare, but they’re run by private insurers.

Medicare Part C（Medicare Advantage) plans may require you to get home healthcare from an agency in the plan’s provider network. Check with your plan for details.

Part D

Medicare Part Dplans are also private insurance plans. They cover some or all of the costs of the prescription drugs you may need during your home healthcare period.

Medicare补充（Medigap）

Like Part C and Part D plans,medigap.policies are offered by private insurance companies. They may help you pay the costs of home healthcare that Medicare doesn’t cover.

If you want to research certified agencies in your area, Medicare hasa tool to help you finda home health agency. Once you locate an agency near you, you can use Medicare’shome health agency checklist确定原子能机构是否会提供您想要的疗程程度。

Your state survey agency keeps an up-to-date report on the quality of care given by home healthcare providers. You can check Medicare’sresource guideor调查机构目录to find the telephone number or email address of the agency in your state.

Medicare only lets you receive care from one home health agency at a time. If you decide to change which agency you use, you will need a new referral from your doctor. You will also need to inform your old agency that you’re switching providers.

Medicare doesn’t pay for an in-home caregiver when custodial care services like housekeeping and personal care are all you need. Medicare may pay for some short-term custodial care if it’s medically necessary and your doctor certifies that you’re homebound.

Medicare确实支付家庭健康服务物理疗法, occupational therapy, speech therapy, skilled nursing care, and social services if you’re homebound after surgery, an illness, or an injury.

Your doctor will need to certify that the services are medically necessary, and your home health agency must be Medicare-certified.