After surgery or illness, many people assume Medicare will cover full-time help at home.
The reality? Medicare covers medical care at home, not personal care.
Medicare may cover:
Skilled nursing visits
Physical therapy
Occupational therapy
Limited home health aide services
But it does not cover long-term help with bathing, cooking, or companionship.
Knowing the difference helps families plan early — and Barakat Insurance helps bridge the gap before care becomes urgent.