Dear Savvy Senior, How does Medicare cover in-home health care? My husband has a chronic health condition that makes it very difficult for him to leave the house, so I’m wondering if he could qualify for Medicare home health care.

Seeking Help

Dear Seeking,
Medicare covers a wide variety of part-time or intermittent in-home health care services to beneficiaries in need, if they meet Medicare’s criteria. Here’s how it works.
In order for your husband to secure coverage for home health care, Medicare first requires that he be homebound. This means that it must be extremely difficult for him to leave home, and he needs help doing so either from another person or medical device like a cane, wheelchair, walker or crutches.
He will then need to have a face-to-face meeting with his doctor to get a home health certification confirming that he needs skilled-nursing care or skilled-therapy services from a physical or speech therapist on a part-time basis.
His doctor can also request the services of an occupational therapist and a personal care aide to assist with activities of daily living such as bathing, dressing and using the bathroom. His doctor must renew and certify his home health plan every 60 days.
He will also need to use a home health agency that is certified by Medicare.
If he meets all of the requirements, Medicare should pay for his in-home health care.
But be aware that Medicare will not pay for personal care aide services (for bathing, dressing, using the bathroom, etc.) alone if he does not need skilled-nursing or skilled-therapy services too. Homemaker services, such as shopping, meal preparation and cleaning are not covered either.
If your husband has original Medicare, you can locate a Medicare-certified home health agency by calling 800-633-4227 or by visiting Medicare.gov/care-compare. If he has a Medicare Advantage plan, you should contact his plan directly and ask which home health agencies work with the plan and are within the plan’s network of providers.
For more detailed information on how Medicare covers in-home health, see the “Medicare and Home Health Care” online booklet at
Medicare.gov/Pubs/pdf/10969-Medicare-and-Home-Health-Care.pdf.
Other Options: If your husband does not qualify for Medicare home health care coverage, there are other coverage options depending on your situation. Here are several that may apply to you:
Insurance: If you happen to have long-term care insurance, check to see if it covers in-home care. Or if you have a life insurance policy, see if it can be utilized to pay for care.
Medicaid: If your income is low, your husband may qualify for Medicaid, which offers different home and community-based services that can pay for in-home care. To investigate this, contact your local Medicaid office.
Also see if PACE – which stands for “Programs of All-Inclusive Care for the Elderly” – is available in your area (see NPAonline.org). PACE provides in-home care, including help with activities of daily living, such as meals, dental and medical care, among other benefits.
Veterans Benefits: If your husband is a veteran, the VA also offers some benefits that can help. Two programs to inquire about are “Aid and Attendance or Housebound Allowances” and the “Veteran-Directed Care” program. Both programs provide monthly financial benefits to eligible veterans that can help pay for in-home care. To learn more, contact your regional VA benefit office (see Benefits.va.gov/benefits/offices.asp or call 800–827–1000).
To look for these and other programs in your area that can help pay your husband’s home care, go to PayingForSeniorCare.com and click on “Find Financial Assistance for Care” to access their Eldercare Financial
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

* *Includes 27 pediatric hospitalizations.
**Focus, Rehabilitation and Tribal Facilities numbers are not assigned to a specific region as their patient populations reside across the state. Information provided through survey of Oklahoma hospitals as reported to HHS as of the time of this report. Response rate affects data. Facilities may update previously reported information as necessary.
Data Source: Acute Disease Service, Oklahoma State Department of Health. *As of 2021-07-29 at 7:00 a.m.

Do you have a loved one in a nursing facility that needs assistance transitioning back into the community? Oklahoma Living Choice Program may be what you are looking for. The Oklahoma Living Choice Program assists Oklahomans wanting to transition out of a nursing home and back into the community in a residence of their own. The populations served are individuals 65 and over, and individuals 19 and up with a physical disability.
To qualify for the Oklahoma Living Choice Program one should meet the following:
* Be at least 19 years of age
* Qualify for SoonerCare (Oklahoma’s Medicaid Program) for at least one day prior to transition
* Have lived in an institutional setting (nursing home) for at least 60 consecutive days
* Voluntarily want to transition back into the community
* Be willing to play an active role in his/her plan of care
Depending on the individual’s needs there are many services that the Oklahoma Living Choice Program offers, such as: assistance finding a new home, home delivered meals, transportation, skilled nursing, therapy services, personal care, medication management, and there are transitional funds (a one-time allotment of up to $2,400).
Anyone can refer a potential individual that resides in a nursing home for the Oklahoma Living Choice Program by accessing the online referral form http://www.okhca.org/ReferralHome.aspx?ref=LC
If you need more information or have questions about the Oklahoma Living Choice Program you can contact 888-287-2443 or email Oklahoma.livingchoice@okhca.org
If you have a loved one in a Long-Term Care facility and have any questions regarding any concerns you may have, you can contact an ombudsman to assist you.
Areawide Aging Agency Long-Term Care Ombudsman Program advocates for the needs of residents in LTC facilities serving Canadian, Cleveland, Logan, and Oklahoma Counties. You may contact us at (405)942-8500.

The Cowboy invites individuals with a passion for the history and stories of the American West to join the team of volunteers and docents that help keep the Museum running.
“We have an amazing team of volunteers at the Museum who are committed to life-long learning and sharing the American West with our visitors,” said Natalie Shirley, National Cowboy & Western Heritage Museum President and CEO. “One of the most amazing things about the Cowboy is how committed our volunteers are to creating an environment where anyone can come and learn.”
Volunteer docents serve as guides in the galleries, frequently leading tour groups and working closely with children through educational programs. “Volunteering is an excellent way to make a difference in other people’s lives, as well as your own life,” said Todd Bridgewater, Manager of Volunteer Engagement at the Museum. “People come from all walks of life and find a home here, whether they are a cowboy or not.”
Those interested in becoming a docent can complete a Volunteer Application online by visiting nationalcowboymuseum.org. New docent orientation is Tuesday, August 17, 2021, from 9:00 a.m. – 12:00 p.m. Training begins Thursday, August 19 and occurs every Tuesday and Thursday through September 23, 2021. Training times vary but are generally between 8:30 a.m. – 4:30 p.m. For a detailed description of the docent role and its commitments, CALL (405) 478-2250.
Nationally accredited by the American Alliance of Museums (AAM), the National Cowboy & Western Heritage Museum is located only six miles northeast of downtown Oklahoma City in the Adventure District at the junction of Interstates 44 and 35, the state’s exciting Adventure Road corridor. The Museum offers annual memberships beginning at just $40. For more information, visit nationalcowboymuseum.org. For high-resolution images related to the National Cowboy Museum, visit nationalcowboymuseum.org/media-pics.

Oklahoma Human Services (OKDHS) announced a 20% retroactive rate increase for Community Living, Aging and Protective Services (CAP) and Developmental Disabilities Services (DDS) waivered services providers. These interventions, funded by the American Rescue Plan Act (ARPA), are retroactive back to Oct. 1 through Dec. 31, 2020. Pending approval by the Oklahoma Health Care Authority board, OKDHS is seeking additional interventions for the periods Jan. 1 through Mar. 31, 2021 and April 1 through June 30, 2021. The first payment will be sent in Aug. 2021, with subsequent payments made in 90 day increments.
Home and Community Based Waiver Services (HCBS) include a comprehensive array of services including case management, residential, employment and habilitation services and supports for individuals three years of age or older. HCBS uses a person-centered planning approach where an individual’s team assesses the needs of the individual and develops an annual plan of care to address those needs. Waivers allow the state to offer community-based services as an alternative to institutional or nursing facility services, increasing independence and quality of life for the service recipients.
Waivered services providers are also currently experiencing significant workforce shortages to serve HCBS customers. Higher wages offered by businesses competing for the same labor pool is a primary contributor to the HCBS labor shortage, and the lack of qualified and skilled labor has significantly increased over time, increasing provider costs.
“We are grateful for the retroactive increase as it will help fill the gap in our budget,” said Robin Arter, Executive Director at Think Ability, Inc. “It is a much needed relief in our efforts in supporting Oklahomans with developmental disabilities.”
These temporary add-on payments will help bolster services and address this short-term shortage of qualified staff, allowing providers to meet their immediate needs while OKDHS conducts a rate study to develop a strategy for a permanent solution.
“Our waivered services providers have done a phenomenal job in serving aging Oklahomans and individuals with developmental disabilities in their own homes and communities during a really challenging time,” said Samantha Galloway, OKDHS Chief of Staff and Operations. “These additional funds are a vital, yet short term, intervention to help providers mitigate workforce issues while a longer term solution is developed. We are equally excited about the opportunity to invest additional dollars in things that have a real and immediate impact on people’s quality of life, such as eyeglasses, dental and hearing aid services in a big way that is beyond what has been available in our single year budget historically.”
In addition to the retroactive rate increases, both CAP and DDS will also offer a one-time initiative to purchase eyeglasses and hearing aids, propose development of model smart homes, expand assistive technologies, offer staff education and direct support staff professional development programs, among many initiatives intended to strengthen supports for older Oklahomans and individuals with developmental and intellectual disabilities.
To learn more about OKDHS’ Developmental Disabilities Services, including Home and Community Based Waiver Services, visit https://oklahoma.gov/okdhs/services/dd/developmental-disabilities-services.html. To apply for services, visit https://oklahoma.gov/okdhs/services/dd/areacontactinfo.html.
To learn more about OKDHS’ CAP, including the Advantage Waiver program, or to apply for services, visit https://oklahoma.gov/okdhs/services/cap/advantage-services.html.

In person meetings scheduled to begin in August. Hearing Loss Association of America Central Oklahoma Chapter (HLAA COC) is happy to announce that beginning with the Ice Cream Social in August face to face meetings will once again be held monthly and are open to the public. No admission charge. Meetings are on the third Thursday, 11:30 – 1PM, each month beginning in September. Meetings are held at the Will Rogers Garden Center Exhibition Hall, 3400 NW 36. The Ice Cream Social, August 15, 2-4PM, will host the introduction of HLAA COC scholarship recipients, the inauguration of new chapter officers, and official announcement of programs for the remainder of the year. In the past, the Ice Cream Social was a ‘pot luck’ event but with current conditions, the chapter will offer individually portioned treats, all at no charge.
Speakers and programs announced: September, Dr Patricia Burke, head of newborn screening in Oklahoma. October, Lezley Bell discussing the free telephone and service offered by Caption Call. In November, chapter members Tony & Sharon Howard’s fantastical players with skits, hints, & tricks for managing family gatherings and parties for the holidays will be seen. The December meeting will host the annual Christmas party. Everyone is invited if you have hearing loss, know someone who does, or are interested in the overall health of Oklahoma City residents. HLAA COC is a 501 (c) 3 nonprofit organization with no paid employees. HLAA COC has been active for 29 years assisting Oklahomans with hearing loss to live better in a hearing world. Please look at Facebook, www.facebook.com/OklaHearingLoss, visit our website at www.OklahomaHearingLoss.org, or check out our new YouTube page: Oklahoma Hearing Helpers Room.

On Friday, August 13, at noon the Will Rogers Memorial Museum in Claremore will host a wreath-laying ceremony and flyover to mark the anniversary of the August 15, 1935, death of Will Rogers and Wiley Post in an Alaskan plane crash. The grandchildren and great-grandchildren of Herb McSpadden—relatives of Will Rogers—are invited guests. Pilot and museum Roper docent Tom Egbert will fly the plane for the flyover. The public is welcome to join in viewing the flyover and the wreath laying at the site of Will Rogers’s tomb, overlooking the town of Claremore.
For more information about this event, please call 918-341-0719 or visit willrogers.com. The Will Rogers Memorial Museum is located at 1720 W. Will Rogers Blvd. in Claremore.
The Will Rogers Memorial Museum is a division of the Oklahoma Historical Society. The mission of the Oklahoma Historical Society is to collect, preserve and share the history and culture of the state of Oklahoma and its people. Founded in 1893 by members of the Territorial Press Association, the OHS maintains museums, historic sites and affiliates across the state. Through its research archives, exhibits, educational programs and publications the OHS chronicles the rich history of Oklahoma. For more information about the OHS, please visit www.okhistory.org.

The 49th Annual Prix de West Invitational Art Exhibition and Sale will display the 264-piece collection of original paintings and sculpture at the National Cowboy & Western Heritage Museum through August 8, 2021. The works displayed in Prix de West are available for purchase and will not be on display to the public again once the exhibition closes.
For more information on Prix de West and the artists, visit nationalcowboymuseum.org/prix-de-west.

In a sunny Tuesday morning ceremony, National Cowboy Museum president, board members and supporters broke ground on the newest phase of Museum expansions, the Meinders Event Lawn & Garden and additional parking structures.
“Phase II of our Capital Campaign has required a lot of hard work and coordination by many, many partners,” said National Cowboy & Western Heritage Museum President and CEO Natalie Shirley at the ceremony. “First and foremost, we have to thank Herman and LaDonna Meinders for their support. Without it we would not be able to create this wonderful garden that will soon grace the front of the Museum. What you see now is asphalt, but in just a few short months, you are going to see something lush, green and beautiful.”
In addition to the new garden and event lawn, Phase II of the expansion plan includes a parking garage and terraced, uncovered parking spaces on Museum grounds, as well as a refresh of the Sam Noble Special Events Center.
“We have had a dream of solving several issues to bring this museum to a higher level,” said Larry Nichols, Museum Board Member and Chairman of the Capital Campaign, in a speech at the ceremony. “We need more parking, we need covered parking, we need a better entrance, and we need additional spaces for people to gather.”
The Meinders Event Lawn & Garden, made possible by a generous donation from Herman and LaDonna Meinders, will include walking paths, an event lawn and a butterfly garden.
Construction on the garden and additional parking is the second phase in a three-phase plan to beautify and improve the National Cowboy & Western Heritage Museum. The first phase of expansions produced Liichokoshkomo’, the Museum’s 100,000 square foot outdoor play-based learning addition including native dwellings and STEAM learning opportunities.