Does Medicare pay for in-home help in Florida?

What is her prognosis if she is on hospice? Weeks, months, years?

You say she needs 24/7 eyes on her, that isn't going to happen anywhere. Having her at home allows you to restrain her so she is not trying to walk. Tying her in the wheelchair and using bed rails can keep her from falling. Medication to help with the sundowning is also useful. Talk with her hospice provider about meds that can calm her down and allow her to sleep. Keep her awake during the day, anyway you can and find things that tire her out. Those may help her and you.

Talk with hospice and find out if they have volunteer sitters so you can have a break during the day. Ask them if they know anyone that does overnight sitting and use her social security check to pay for as many nights as she can afford, because every little bit helps.

Not all memory care facilities are uncompassionate. Are you certain that is the right level of care for her?

I think you would be better off looking for another facility and applying for Medicaid.

No, Medicare does not pay for in home help. It sounds like you need to get her into a nursing home and on Medicaid. If you don't want to do that, you'd have to pay out of pocket for help to come in to help watch MIL. I'm sorry, I wish there was a better solution for you.

Does your MIL qualify for Medicaid.  FL does have a program where Medicaid eligible people can get some home care BUT there was a waitlist before Corona and I can only imagine the waitlist now.    Was either MIL or FIL a vet?   If she qualifies financially (similar to Medicaid, but not as tough), she may get money for home care from VA.

One can’t have Homecare ordered when in Hospice. Medicare will only pay for one or the other. I was a homecare RN. Once a patient decided to go on hospice our services were discontinued immediately & I closed the case specifically because Medicare would not pay for both. In hospice there is no longer a need for skilled nursing visits as the patient is not expected to improve.

You may need to hire help out of pocket from an agency. Medicare does not pay for any other services other than those offered by Hospice at the juncture you are at.