Medicaid

Medicaid was introduced to allow access to required medical care and lessen the burden of medical costs for Americans and their families with low income and limited resources. It is a federal and state program that offers other benefits that aren’t covered by Medicare, including home care and personal care services. Every state runs programs with specific guidelines and criteria based on income, age, health condition, pregnancy, disability, and more. The programs are funded through the fluctuating state and federal budgets, which affects the Medicaid coverage provided in individual states. One of the things that Medicaid does is help people with low income to utilize and pay for personal care services while staying at their home.

There are Medicaid waivers for seniors that make receiving in-home care possible without worrying about paying caregivers or agencies. Waivers allow Home and Community-Based Services (HCBS) in Medicaid to render services, including personal aide and home care services, to the ones in need. However, there are certain limitations with waivers, and people may have to wait on a waiting list to receive these services and pay through Medicaid reimbursement.