Medicare only covers short-term skilled care (like nursing or therapy after a hospital stay). It does not pay for long-term daily help with bathing, dressing, meals, or housekeeping.

Medicare is a federal program for people 65+ or disabled. Medicaid is a state program for people with low income and limited assets. Some seniors may qualify for both (“dual eligibility”).

Yes! You can review and change your plan every year during Open Enrollment (October 15 – December 7).

Original Medicare does not. Some Medicare Advantage plans offer partial coverage.

You may have to wait until the next enrollment period and pay a penalty, so it’s important to sign up on time.

If you or your loved one struggles with daily activities (cooking, cleaning, personal care, medication reminders), home care can help maintain independence safely.

Home health care is medical (nursing, therapy) and often covered by Medicare for short-term. Non-medical home care (companionship, bathing, meals) is usually private pay.

Costs vary by location and level of care, but the national average is about $25–$30/hour.

YES! Many long-term care insurance policies cover non-medical home care.

Regular checkups, staying active, eating balanced meals, and staying socially connected are key.

Walking, light strength training, stretching, and balance exercises (like yoga or tai chi) help maintain independence.

Simple changes like grab bars, better lighting, and removing tripping hazards reduce fall risks.

Yes, programs like Extra Help, Medicare Savings Programs, and discount cards can reduce prescription costs.

Local Area Agencies on Aging, respite care services, and caregiver support groups can help reduce stress and provide guidance.

YES! But with limitations. Medicare typically doesn’t cover healthcare outside the U.S. If you’re traveling abroad, consider supplemental travel medical insurance.