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Your profile says your mother is in assisted living. Are you thinking of bringing her home? Or is this question about someone else?

By "full time" do you mean around the clock, live-in? Or are you anticipating 3 shifts to cover the day? Does Mom need a registered nurse or would other skillsets be OK?

Generally speaking, fulltime coverage at home is more expensive than AL.
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The short answer is that you have the patient's write a script for Durable Medical Equipment which is covered by Medicare. You call a home health care agency to hire a nurse (RN, LPN?) Why are you contemplating doing this?

There have been several times in my experience with my mom becoming more frail as she's aged that I've gone into "crisis mode".

No good decisions get made when you are I n that sort of mindset. Perhaps you'd like to give some more information and you'll get aome perspectives on how to handle whatever you're facing right now.
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Medicare does not cover certain items if u have received a certain other item. You need to call Medicare and tell them what u will need. Lets say u need a bed, you may not get a wheelchair. You get the bed because the person is bed bound. No need for a wheelchair. What Medicare doessn't cover check with her supplimental. Try Redcross to see if they have an equipment closet. If not them, try some of the organizations like th Lions Club and Rotary. Also ur local Firehouse.
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I think if ur Mom needs round the clock nursing she needs a long term nursing facility.
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I'm not sure if this is for you or for someone else, but the patient's insurance should be covering this, that's what insurance is for. If they have no insurance, now would be a good time to get some. If the patient is eligible, they can get Medicaid. Medicaid is available to patients getting federal benefits. You start the process of getting Medicaid through your local department of human services. The patient is ineligible, you'll probably have to shop around for health insurance. While you're shopping around for insurance, it would also good idea to start a preneed through a local funeral home where you can get funeral coverage.
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Everyone can get one wheelchair paid for by medicare during their lifetime. They will also pay for bed rental if there is a medical need for it such as congestive heart faliure requiring patient to sleep with head up. Walkers van usually be obtained from senior centers. They take in donated ones and give out to those needing. Same with bedside comode, shower chair and raised toilet seats. If you need caregiver try hiring private. I work as private and the cost is much less. If you need an RN the price will be pretty high but if finances are not problem you can find many good people in this profession. Best of luck to you.
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1RareFind: While that's true that Medicare (I know your words were "insurance") will cover it, you must first get her doctor to write a script, else it won't be covered. I know this first hand because my late Mother's 96 year old cousin, who lived in another state, said "just order a Rollator walker; Medicare covers it" (that was the item my late mother needed). The cousin was incorrect and I learned the hard and expensive way. My mom's doc told me if I had asked her first, she would have written out the the script, e.g. RX and Medicare would have covered it.
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Believe it or not, it isnt as easy as one might think it is to get equipment. Yes, the doctor has to write an RX. However, somethings like a wheelchair need supporting documents by the doctor. Nowadays, it for difficult to get things you need.
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Megan: Absolutely-suppporting documents!
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I don't think Medicare covers Rollator walkers. I worked for a Visiting Nurse facility and all that ever got donated was the plain walkers. Those with special features, like a seat and brakes, were not covered. Maybe by private insurance but not Medicare. We loaned equipment. I had a women come in who knew what Medicare would cover and not cover. She leased what she knew her husband would need temporarily because if he got one thing thru Medicare he couldn't get another.
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