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What are activities of daily living?
What in-home care will Medicare cover?
The in-home care that Medicare will cover depends on the type of care involved, and whether it's truly medical in nature.
To what extent will Medicare cover long-term care?
The good news is that while Medicare’s role in long-term care is complicated, you can head off much of the headache that comes with the financial burden of long-term care by understanding some basic concepts.
Will Medicare pay for a fall risk assessment?
Both the Welcome to Medicare Visit – available to new Part B enrollees – and Medicare's Annual Wellness Visit include a health risk assessment – an examination in which your doctor will perform safety screenings of your fall risk and ability to perform activities of daily living (ADLs) at home.
How to choose between Medicare Advantage, Medigap and Part D
Considering a change to your Medicare coverage? Consider these 10 factors when choosing between Medicare Advantage, Medigap, and Part D coverage.
Activities of daily living refers to such activities as bathing, getting dressed, using toilet facilities, eating and moving place to place. Health professionals may gauge the functional status of an individual by their ability to perform ADLs.
A person who is unable to perform ADLs may need custodial care. This is not covered by Medicare, although that person’s medical needs — as opposed to custodial needs — would be covered by Medicare as long as the person is enrolled in Medicare.
So nursing home care is not covered by Medicare, since it’s intended to provide assistance with ADLs. (Seniors in nursing homes still receive coverage under Medicare when they need medical care, but the cost of the nursing home itself is not covered by Medicare.)
Medicaid does cover custodial care, for people with low income and assets. So seniors who need assistance with ADLs and who deplete their resources and have low incomes are often covered by both Medicare and Medicaid.
As an alternative to using up your resources in order to qualify for Medicaid if you eventually need assistance with ADLs, you can purchase a private long-term care insurance plan, or save money earmarked for paying for long-term care.