If you are enrolled in Original Medicare you pay nothing for home health care services
However, you may be responsible for 20% of the Medicare-approved amount for durable medical equipment. Cost and benefits may be different for beneficiaries enrolled in Medicare Advantage plans, so check with your plan to find out how they provide Medicare-covered home health benefits.
Ask the home health care agency about what services Medicare will pay for and what is not covered, as some agencies recommend services not covered by Medicare. Home health agencies must notify you of the cost of services in writing before starting care.
Custodial Care (Long-Term Care) is non-skilled personal care
Non-skilled personal care includes activities of daily living (ADLs) like bathing, dressing, eating, chores, and health-related care that most people do on their own, like taking insulin. Agencies that offer these services are referred to as home care agencies, not to be confused with home health care agencies which offer home health care services.
Medicare does not cover custodial care
If your care includes any of the following services: 24-hour care, meal delivery, homemaker services, personal care (unless it’s included with HHC plan) Medicare will not cover the cost. Medicaid sometimes pays for services to keep seniors in their homes. The services covered and requirements for enrollment vary by each state’s Home and Community Based Services program.