Medicare Open Enrollment runs from October 15 through December 7, and many Metro Atlanta families will spend the next few weeks comparing plans with a parent at the kitchen table. It is also a natural moment to ask a question that surprises a lot of families: what does Medicare actually pay for when a loved one needs help at home?
Medicare can cover intermittent skilled home health visits, such as a nurse or therapist, when a doctor orders them and certain conditions are met. What it generally does not cover is ongoing personal care: help with bathing, dressing, meals, medication reminders, and companionship over several hours a day. That is the kind of support private duty home care provides, and it is usually paid through private funds, Long-Term Care Insurance, or VA benefits for eligible veterans.
Some Medicare Advantage plans include limited supplemental in-home support, and those benefits vary widely from plan to plan. If a parent is choosing a plan this fall, it is worth reading that section carefully. Our team is glad to talk through how private duty care fits alongside whatever coverage your family has, with no pressure.
When your family has reviewed a parent's coverage, what part was the most confusing to sort out? #HomeCare #SeniorCare
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