Navigating healthcare coverage can feel overwhelming—especially when it comes to understanding what Medicaid and Medicare cover for home care services. At Vitalis HealthCare, we’re committed to helping families in Maryland make informed decisions about their care options. Here’s a simple guide to help you understand how these two programs can support your loved ones at home.
What Does Medicare Cover for Home Care?
Medicare is a federal health insurance program for:
- People aged 65 and older
- Certain younger individuals with disabilities
- People with End-Stage Renal Disease
Medicare may cover home health care under certain conditions, such as:
- The care must be medically necessary and ordered by a doctor.
- The patient must be homebound (unable to leave home without assistance).
- Care must be provided by a Medicare-certified home health agency.
Covered services may include:
- Skilled nursing care
- Physical, occupational, or speech therapy
- Medical social services
- Certain home health aide services (on a part-time basis)
What’s not covered?
Medicare generally does not cover 24/7 care, meal delivery, personal care (like bathing and dressing), or homemaker services unless they are part of the skilled care plan.
What Does Medicaid Cover for Home Care in Maryland?
Medicaid is a state and federally funded program that provides health coverage for low-income individuals.
In Maryland, Medicaid, under the Medicaid Waiver programs, offers more extensive coverage for home care through programs like:
✅ Community First Choice (CFC):
- Helps eligible individuals receive personal assistance services in their home.
- Covers activities of daily living (ADLs), like bathing, eating, and mobility.
✅ Home and Community-Based Options Waiver (CO Waiver):
- Designed to help older adults and individuals with disabilities avoid nursing home placement.
- Provides both medical and non-medical in-home services.
✅ Medical Day Care & Personal Care Programs:
- Offer structured care, health monitoring, and social interaction for eligible seniors during the day.
How to Apply
- Medicare: Enrollment is usually automatic at age 65, but you can apply through www.medicare.gov.
- Medicaid in Maryland: Apply via Maryland Health Connection or visit your local Department of Social Services.
Vitalis HealthCare Can Help
At Vitalis HealthCare, we understand the paperwork and eligibility requirements can be confusing. That’s why we’re here to guide you step-by-step and help determine what your loved one may qualify for—whether it’s home care or home health services.
Need help getting started?
Contact us at Vitalis HealthCare for a free consultation.
Phone Number: 240.716.6874
Email: info@vitalishealthcare.com
Office Address: 8757 Georgia Avenue Suite 440 Silver Spring, MD 20910
(We provide our services in every county in the State of Maryland, United States of America).