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PRIVATE PAY Assisted Living Facilities Nursing Homes Home Care Agencies • They all take cash MEDICARE Assisted Living Facilities • Medicare DOES NOT pay for ALF care Nursing Homes • Medicare DOES pay for nursing home care, but only for a short period of time after hospitalization to Medicare- Certified nursing facilities • Medicare DOES NOT pay for LTC in a nursing home HOME CARE AGENCIES Home Health Agencies/Nurse Registries Skilled Health Care - given by RN’s & LPNs �� Medicare DOES pay for home health care, but only for part-time or “intermittent” skilled care • Medicare DOES NOT pay for full time LTC for home health Personal Care - given by HHAs ���� Medicare DOES NOT pay for personal care when this is all the care you need (must be with skilled care) and DOES NOT pay for LTC personal care Homemaker/Companion Agencies �� Medicare DOES NOT pay for chore and sitter services when this is all the care you need and DOES NOT pay for LTC chore and sitter services Hospice Care • Medicare DOES pay for hospice care MEDICAID Assisted Living Facilities • Medicaid DOES pay for assisted living facility care with the following programs*: • Assistive Care Services (ACS) • Assisted Living for the Elderly Medicaid Waiver (ALE) • Nursing Home Diversion Waiver (NHD) • Other state program that DOES pay for Assisted Living Facilities • Optional State Supplemental (OSS) This is not a Medicaid program *Recipient must meet both functional and financial criteria for eligibility for all programs. Not all ALFs participate in these programs. Recipient must be in a participating eligible ALF to receive benefits. Ways to Pay For Care We have created an easy tool for understanding what programs and services are available to pay for different types of Long-Term Care (LTC.) Once you learn the basics in this section, go to our website at PolkElderCare.com for more information. This Section Includes: • Private Pay • Medicare/Medicaid • Long Term Care Insurance • Reverse Mortgage • Veterans www.PolkElderCare.com 65


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