It depends on the type of help that you need. If your doctor has prescribed clinical help that would be administered by a registered nurse, physical therapist or occupational therapist, this qualifies as home health care, which Medicare will cover. While you’re under the care of an in-home clinician, a home health aide or other caregiver can be assigned under Medicare coverage for bathing and certain other types of personal care.
Medicare will not pay for help with daily living activities such as non-prescribed personal care, meal preparation, medication reminders or housekeeping. The typical insurance that does cover these services is long-term care insurance, which is privately purchased. Some Medicare Advantage plans also cover in-home personal care. You can also check whether you qualify for care through workers’ compensation insurance, veterans benefits or other government programs.