We really need a discussion here about what private insurance, Medicare, Medicare Advantage, and Medicaid pay for in home care. There is wide-spread belief that Medicare only pays for a few days and will only do that after a hospital visit. But we just learned that regular Medicare will pay for about 100 days of in-home care for my son in law who has been diagnosed with Alzheimers and has to have someone with him all the time for his safety. When that runs out, Medicaid will add in-home caregivers prior to the need for nursing home care, but I’m not sure for how long. I wonder if any of this can help your situation. My daughter just had to pay an attorney a bundle to learn about Medicaid. This expense should be unnecessary, but I digress. She learned that there are 13 states that don’t take all a working spouses retirement plan savings when a dependent spouse is in that period, both when they require nursing care at home and after they enter a nursing home. This is such important information but even the in/home health agency I spoke with did not know it. However, I verified it was true with an elder law attorney.

Dear SusanEllen-
I'm sorry about your health problems.
It sounds like you will need professional guidance to find what is available. You might try the search link on this web site. < https://www.aginglifecare.org/ALCAWEB/ALCAWEB/What_is_Aging_Life_Care/What_you_need_to_know.aspx?hkey=9f537cde-78a3-466e-8b9b-2fb19ef78401&gt;