Remember: Medicare is Not Designed to Pay for Long-Term Care!
by Estate Planning Attorney Rick Law of Law Elder Law in the West Chicagoland suburb of Aurora, IL. Few people realize the limitations of Medicare. Medicare was designed to care for those with acute medical conditions like gall stones or broken bones. It does not take on the cost for diagnoses such as Parkinson’s Disease, Alzheimer’s, dementia, or long-term mobility problems. Medicare really only covers short-term or “acute care.” In other words, Medicare only covers your healthcare expenses if you are expected to get well. Thus, Medicare does not provide care when someone is diagnosed with a long-term chronic condition from which they are not expected to recover. In order to qualify for home care coverage, the patient must need at least one or more of the following:
- Part-time nursing care
- Physical therapy
- Speech language therapy
- Occupational therapy