As New York’s senior population grows, more families are looking into long-term home care as an alternative to nursing facilities. One of the most common questions we hear at Secure Safer Insurance Agency is: 👉 “Does Medicare cover long-term care at home?”
The short answer: Original Medicare (Parts A & B) does not cover most long-term home care services—but there are important exceptions, and other options may be available to help pay for care.
Let’s break it down.
What’s Inside?
- What Medicare Does Cover at Home
- What Medicare Does Not Cover
- What About Managed Long-Term Care (MLTC)?
- We Help You Get the Care You Deserve
What Medicare Does Cover at Home
Original Medicare provides limited home health care under specific conditions. These include:
- Part-time skilled nursing care
- Physical, occupational, or speech therapy
- Medical social services
- Certain home health aide services (if you’re also receiving skilled care)
To qualify, you must be homebound and under a care plan created by a doctor or healthcare provider.
📘 Learn more from Medicare.gov: What’s covered in home health care
🛑 But here’s the key: Medicare does not pay for 24/7 care, personal care (like bathing or dressing), or long-term custodial support if that’s the only care you need.
What Medicare Does Not Cover
Medicare does not cover:
- Ongoing help with activities of daily living (ADLs) like bathing, toileting, eating, or dressing
- Full-time home health aide services
- Meal delivery, housekeeping, or transportation
- Long-term residential care or assisted living
For these types of services, you’ll need to look at Medicaid, long-term care insurance, or Managed Long-Term Care (MLTC) plans in New York.
What About Managed Long-Term Care (MLTC)?
In New York, Medicaid-eligible individuals may qualify for MLTC plans, which do cover long-term home care services such as:
- Home health aides and personal care assistants
- Nursing supervision
- Medical supplies and transportation
- Adult day care programs
To qualify, a person must be eligible for both Medicare and Medicaid, require long-term care, and live in New York State.
📘 NY State of Health: Learn more about MLTC plans
💡 Secure Safer can help you apply for Medicaid and explore MLTC options, especially if you’re helping an aging parent or loved one stay safely at home.
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We Help You Get the Care You Deserve
Whether you’re exploring Medicare home health benefits or need help applying for Medicaid and MLTC coverage, Secure Safer Insurance Agency is here to help—with free consultations and support in your language.
📱 Call us today at 646-444-2020
🌐 Or visit www.securesafer.com to book your free appointment.
We’ll guide you through eligibility, paperwork, and planning—so you can focus on what matters most: caring for your family.
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