Advanced Access Staff, LLC
02/16/2026
Medicare Doesn't Cover Home Care - Here's What Actually Pays For It
"Medicare will cover it." This is the most common - and most dangerous - assumption families make about home care. It's understandable. Your parent paid into Medicare their entire working life. They're over 65. They need help at home. Surely Medicare covers that? It doesn't. And by the time most families discover this, they're already in crisis, scrambling to figure out how to pay for care they desperately need.
What Medicare Actually Covers (And Doesn't)
Medicare covers skilled home health care - but only under very specific conditions. The patient must be homebound, under a physician's care plan, and need skilled nursing or therapy services. Even then, Medicare only covers intermittent care (a few hours per day, a few days per week) for a limited time. https://link.msgsndr.com/sp/04f8886d09a
02/12/2026
Florida Doesn't Require Background Checks for Home Health Aides.
https://link.msgsndr.com/sp/9cffc677fe9: the state has some of the weakest background check requirements in the nation for home health aides. While licensed home health agencies must screen employees, the regulations leave significant gaps that put vulnerable seniors at risk. If you're hiring through a registry, an online platform, or directly, there may be zero background check requirements at all.
What Florida Law Actually Requires
Florida Statute 400.512 requires Level 2 background screening for employees of licensed home health agencies. This includes fingerprinting and a check against state and federal criminal databases. But here's the critical gap: this only applies to employees of licensed agencies.
Independent caregivers - those hired through online platforms, word of mouth, or caregiver registries - fall outside this requirement entirely. And even for agency employees, the screening doesn't include civil court records, driving history, or out-of-state checks beyond what appears in FBI databases.
The Risks You Don't See
Elder abuse in home care settings is disturbingly common. The National Center on Elder Abuse estimates that only 1 in 14 cases of elder abuse is ever reported. Financial exploitation, neglect, and emotional abuse can go undetected for months or years when a family trusts that "someone checked" the caregiver.
01/19/2026
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