Navigating long-term health care for older adults is a significant challenge faced by many individuals in the United States. The emotional, physical, and financial burdens can be overwhelming for both older adults in need of care and those providing the care, whether they are professional caregivers or family members. Vice President Kamala Harris recently announced a proposal known as the Medicare at Home plan, which aims to address these challenges head-on if she is elected president.
Harris’s plan focuses on supporting the so-called sandwich generation, individuals who care for both younger children and aging parents. If implemented, the plan would cover at-home aides who assist with daily activities such as bathing, cooking, and using the bathroom under Medicare for the first time. Additionally, the proposal aims to improve wages for professional care workers, expand access to remote technologies and telehealth services, and cover hearing and vision needs, including hearing aids and eyeglasses.
The need for long-term care services is expected to increase as the population ages and family support decreases. With 10,000 people turning 65 every day in the U.S., more individuals are enrolling in Medicare each month. Currently, Medicare covers home assistance and rehabilitation services for a limited time after a hospitalization, and those with low incomes can apply for continued nursing support through Medicaid programs. However, many individuals end up paying out-of-pocket for at-home care, leading to financial strain.
By covering the costs of at-home care workers, Harris’s plan has the potential to alleviate some of these financial burdens and prevent expensive hospitalizations resulting from injuries like falls among older adults. The proposal, although estimated to cost around $40 billion per year, could potentially save on Medicare spending in the long run.
It is crucial to consider the details of the plan, such as eligibility criteria, coverage, cost-sharing, and services provided, to ensure that it effectively meets the needs of older adults and their caregivers. Additionally, addressing cognitive issues and expanding services beyond physical impairments is essential, given the rising number of individuals with dementia and cognitive impairment.
While Harris’s proposal may undergo changes during the legislative process, it is important to recognize that long-term care is a bipartisan issue that affects individuals across political affiliations. Collaborative efforts are needed to ensure that older adults receive the care and support they need to age with dignity and independence. In addition to Harris’s plan, other innovative programs like CAPABLE demonstrate the potential for comprehensive approaches to long-term care that can improve outcomes and reduce overall healthcare costs.
