Can Medicare help cover in-home care for dementia patients who wander or need supervision 24/7?

Question

Aaron Solomon · Accepted Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/can-medicare-help-cover-in-home-care-for-dementia-patients-who-wander-or-need-supervision-247#aaron-solomon

Angie Templin · Answer

While Medicare does not cover nursing homes, memory care centers, or in home caregivers, there can be coverage through Part A under hospice benefits. Because Alzheimer's Disease is a terminal condition, Medicare will cover hospice care in advanced stages.

Answered by Angie Templin on May 5, 2025

Broker Licensed in TX

Answered by Angie Templin Medicare Insurance Agent

Fred Manas · Answer

Medicare generally doesn't cover 24/7 in-home care for dementia patients who wander or need constant supervision, but it can cover part-time, intermittent care for those who are "homebound" and need skilled nursing or therapy. This means Medicare Part A may cover up to 35 hours per week of home health services, but not 24-hour-a-day care.

Answered by Fred Manas on May 4, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent

Gary Henderson · Answer

Medicare supplement plans provide in-home treatment for medically necessary needs 
They do not act as babysitters if you will 
They will come into your home to administer medication as needed and other medical Care 
They do not do housekeeping or any other type of domestic work 
If you have Medicare advantage plan, then you have to make sure that the home Care company will take your plan. That's why Medicare supplement plans are always better because if the home care company takes Medicare, they will automatically take your plan

Dominic Javier · Answer

Yes, through the cognitive assessment and care plan services that will look for signs of dementia, including Alzheimer's disease. Signs of cognitive impairment include trouble remembering, learning new things, concentrating, managing finances, or making decisions about your everyday life. Your doctor should check on you and give you are care plan, including supervision 24/7 if indeed needed.

Answered by Dominic Javier on May 5, 2025

Broker Licensed in TX

Answered by Dominic Javier Medicare Insurance Agent

Angelique Solomon · Answer

Medicare covers in-home care for dementia only if skilled services are needed (like nursing). It doesn’t cover 24/7 supervision or help with wandering.

Rhonda Byers · Answer

Medicare does not usually cover this home health care. This would fall under long term care. Medicare is health insurance and not convulsant care.

Curtis Stoner · Answer

Medicare does not generally cover 24/7 in-home custodial care for dementia patients, even if they wander or need constant supervision.

Donnie Vermillion · Answer

Medicare does not cover around the clock supervision or personal care. Long Term Care insurance helps with ADL's "activities of daily living" and dementia specific needs. Depending on the policy it may help cover personal home care.

Answered by Donnie Vermillion on May 6, 2025

Broker Licensed in TX

Answered by Donnie Vermillion Medicare Insurance Agent

Can Medicare help cover in-home care for dementia patients who wander or need supervision 24/7?

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Can Medicare help cover in-home care for dementia patients who wander or need supervision 24/7?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

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Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website