Although science and medicine have come a long way in the last 100 years or so, none of the advances have found a way to halt the natural aging process. Therefore, the time will come, eventually, when you require assistance to get through the day. You may also need regular medical care for chronic or even terminal conditions. If you are like most people, you would prefer to remain in your home despite these needs, prompting the question “ Does Medicaid pay for in-home care? ”
The average American cannot afford to pay for any type of long-term care. Because most private health insurance policies do not cover long-term care, nor does the Medicare program, most people turn to the Medicaid program for assistance. Medicaid not only covers long-term care, but also covers a wide range of other services and treatment that the elderly often need, including in-home care. Therefore, if you qualify for Medicaid in Illinois, you may very well be able to remain in your home and receive in-home care when you need it.
Although the Medicaid program is primarily funded by the federal government, the individual states administer the program. For this reason, both the eligibility guidelines and the benefits offered can vary somewhat form one state to the next. In Illinois, for example, home care services are offered under certain conditions.
Hospice care is available for patients who are suffering a terminal illness. Hospice care allows you to remain home during the final stages of a terminal illness or condition. Home care is also available to individuals not suffering from a terminal illness or condition. Home care is provided through traditional Medicaid on a short term basis if the care is curative or rehabilitative in nature and is part of a plan of care developed by your physician. For those who need longer home care, a Medicaid waiver program may be able to help.
Medicaid waiver programs allow states to offer services that are not traditionally offered under the Medicaid program. It also allows a state to customize the care offered. In Illinois, skilled nursing care and therapy may be available to you in your home if you qualify for services.
In order to benefit from any of the Medicaid in-home care options you must first qualify for Medicaid. Eligibility is based on a number of criteria, including your income and countable resources. To ensure that you will qualify for Medicaid when you need it you should incorporate Medicaid planning strategies into your comprehensive estate plan. Consult with your Illinois estate planning attorney about the best way to accomplish this.
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