Vice President Kamala Harris has released a plan to expand Medicare coverage to include long-term, in-home health care for seniors, a move that would allow many of them to age in their homes rather than in nursing homes, while also providing relief to their families.
Currently, Medicare does not cover long-term care services like home health aides, a fact that often surprises older adults. The program only covers specific services like physical therapy and medical supplies for a limited time following a hospital stay.
This leads many Americans to turn to Medicaid for extended care, but they end up having to spend down their assets in order to qualify. And even when they do qualify, the in-home care coverage is extremely limited and individuals usually only receive full coverage for long-term care if they move into nursing homes.
Others pay upwards of $100,000 out-of-pocket for their own home aides or rely on unpaid family caregivers — which can take an enormous toll on those provid...
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