Question
Should one use Medicare services first to pay for in-home care, such as meal preparation and giving medication, before using long-term care insurance?
— Caring.com Community Member, irish rose
Answer
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Medicare benefits are limited for home care. At best, they are short term. If you are lucky enough to qualify for any Medicare services at home you should certainly use them before tapping into your LTC plan. Many plans allow you to use medicare services during the elimination period and will also pay the "unpaid" expenses that medicare does not. For more information, visit: www.ssltc.com
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