How to Use Medicare to Pay for Comfort Keepers' Companion and Personal Care Services

How to Use Medicare to Pay for Comfort Keepers' Companion & Personal Care Services 

Caring for a loved one who requires a little extra help at home is an emotionally challenging journey. You want what’s best for them—comfort, dignity, independence—but the costs of non-medical home care services can quickly become overwhelming. Here’s how Comfort Keepers in Mentor, OH, helps bridge the gap between what Medicare covers and what your loved one truly needs.

1. Understanding Medicare’s Home Health Coverage

Medicare Part A and Part B do provide coverage for medically necessary in‑home health services, such as:

• Skilled nursing

• Physical, occupational, or speech therapy

• Durable medical equipment (like walkers or oxygen)

• Home health aides are only offered in conjunction with skilled services, and if you're homebound.

However, routine companion or personal care assistance with bathing, light housekeeping, meal preparation, and errands is considered custodial care and isn’t covered by traditional Medicare.

Despite this, Medicare can still play a vital role. For example, if a doctor orders daily skilled nursing visits after a hospital stay, Medicare will cover part‑time assistance. But once the medical issue stabilizes, that program ends—and that’s where Comfort Keepers, a trusted home care company in Mentor, OH, steps in to provide the ongoing support seniors need. 

2. Medicare Advantage: A Possible Source of Extra Benefits

Some Medicare Advantage (Part C) plans include limited non-medical services, which may cover light personal care or companionship. These benefits vary significantly by plan and location, so it’s crucial to:

1. Review your summary of benefits during Open Enrollment

2. Ask your insurer whether your plan includes an at‑home companion or personal care

3. Identify gaps that Comfort Keepers can fill

We guide families through comparing Advantage plans and highlight how Comfort Keepers can step in where necessary.

3. Working Together: Comfort Keepers + Medicare Support

At Comfort Keepers of Mentor, we know each senior’s care plan is unique. Here’s how we collaborate with Medicare‑covered services:

• If a nurse visits under Medicare, our caregiver arrives before or after to provide support, whether it’s helping with daily routine, preparing meals, or offering companionship.

• We complement your therapy sessions with light housekeeping and prompt assistance to reinforce recovery.

• Together, we ensure continuity of care so your loved one never feels lost in transitions.

This partnership means your family benefits from medically necessary services and compassionate daily support—an integrative approach we’ve honed with home care companies across Ohio.

4. Beyond Medicare: Other Ways to Fund Comfort Keepers

When traditional Medicare falls short, here’s how families bridge care gaps:

• Medicaid: In Ohio, Home and Community-Based Services (HCBS) may cover personal care—ask your Medicaid caseworker for more information.

• Veterans Benefits: Veterans and spouses may qualify for Aid & Attendance pensions. We assist with paperwork and planning.

• Long-Term Care Insurance: If available, your company can guide you through the claims process for companion and personal care.

• Private Pay: Comfortable, scheduled rates and flexible hours allow you to build a care team that fits your budget without sacrificing service.

Curious which path is best? We offer free consultations to help you compare options.

5. Compassion at the Core of Our Services

At Comfort Keepers Mentor, we do more than check tasks off a list. We:

• Engage with your loved one—whether that’s through conversation over coffee, game time, or a walk around the neighborhood

• Support daily grooming routines and help preserve dignity

• Provide "safety care" by keeping watch and preventing falls

• Foster emotional health through genuine, enduring connections

We understand that transitioning from one caregiver to another can create stress. That’s why our caregivers build continuity and trust, transforming help into friendship.

6. Getting Started Is as Easy as 1-2-3

1. Call our Mentor office to request a free in‑home assessment.

2. Tell us about Medicare-covered visits—our coordinator will work alongside them.

3. We create your personalized service plan, help you navigate benefits, and answer all your questions with compassion and clarity.

Final Thoughts

Every family’s situation is unique, but no one has to go it alone. At Comfort Keepers Mentor, we’re honored to provide compassionate, dignified care. Whether Medicare covers part of the journey or not, our mission is to ensure your loved one lives with encouragement, warmth, and independence every single day.

Call us today to learn how we can help you or your loved one thrive at home with trusted, non-medical support tailored to your unique needs, routines, lifestyle preferences, and peace of mind.

By: Our Care Team