3 New Ways That Medicare Is Supporting Family Caregivers

At first, Guthrie didn’t realize that she could ask her mother’s primary care physician to arrange for physical or occupational therapy, for help to make a home safe, for instructions to get her mother out of the bed without injuring either one of them, or for a demonstration of wound care.

“It’s a little bit of everything, but you don’t know that you need it until you’re in that chapter,” she says. “I learned what to expect by asking people who were already on the journey.”

2. Patients with serious conditions get extra education

The same rule also allows Medicare to pay for what it calls principal illness navigation services to help patients and their family caregivers with high-risk illnesses such as cancer, dementia and HIV/AIDS understand their diagnosis and decide on their health care.

“It’s so easy to shut down or have no idea what to do because you’re suddenly confronted with a whole new set of people you need to see and providers,” Brooks-LaSure says. “Not only for cancer but other serious illnesses, Medicare will pay for more of these services.

“This is intended for people who are in that category where their needs are going to be much more severe. They’re at high risk for hospitalization — everything from chronic obstructive pulmonary disease, heart disease, cancer, congestive heart failure, AIDS, dementia and severe mental illness — to make sure that people have assistance when they are trying to navigate the health care system, which we know is more complex than we’d all like it to be.”

Brown says she would discharge patients from a hospital’s intensive care unit, asking family members what they needed to know. But they had no idea what they needed.

3. Pilot project begins for dementia patients’ caregivers

A test program for caregivers whose loved ones have dementia started July 1, 2024, and is expected to expand in July 2025. Called Guiding an Improved Dementia Experience (GUIDE), the program includes 24/7 access to a support line, care coordination, caregiver training and at-home or adult day care respite services.

“It’s never been Alzheimer’s disease that’s been difficult about the journey,” Guthrie says. “It’s been navigating the health care system that’s been difficult.”

CMS selected 96 organizations to participate in the program, including academic medical centers and other hospitals, small and large group practices and community-based organizations already providing programs for dementia patients. CMS chose 294 more organizations to join the program in 2025.

People with dementia and their caregivers are assigned to a care navigator who helps them access medical services as well as meals and transportation through community-based organizations.

The program includes a care plan, ongoing monitoring and support, and provides caregivers with education and skills training. “We all understand that caregivers are part of the health care team,” says Maria Carney, M.D., chief of the division of geriatric and palliative medicine at Northwell Health in New York.

“We have to make sure they’re educated and know what resources are out there, and we support them when they’re struggling,” she says. She points out that caregivers have to do more complex medical care, such as giving injections, infusions, medications, draining catheters, crushing pills and doing wound care.  

Northwell Health has been providing similar services through its Alzheimer’s and Dementia Care program for three years and looks forward to expanding the program with CMS support through GUIDE.

“We did a lot of coordinated services on a much smaller scale, and we’re lucky to grow this to more families and provide more support,” says Kaitlin Emmert, a social worker in the geriatrics and palliative medicine division, who works directly with GUIDE patients and caregivers. “We’re able to connect them with the services they need to be able to remain at home as long as possible.”

Medicare pays participating organizations monthly to provide services; patients and their caregivers typically won’t have copayments or pay out-of-pocket for the services.

What’s more, GUIDE will provide each patient with a $2,500 annual stipend for respite benefits, which can pay for in-home caregivers, overnight respite care or adult day care centers to give the caregiver a break. The programs contract with statewide or local organizations to provide the respite service, making it easy for caregivers to access benefits.

Lee A. Jennings, M.D., associate professor and section chief of geriatric medicine at the University of Oklahoma Health Sciences Center, is impressed with the program. OU Health plans to enroll about 85 eligible patients currently in its dementia program in GUIDE with plans to cover up to 200 patients throughout the state.

“We don’t take over your primary care. We’re working with your primary care providers,” Jennings says.

To qualify for the GUIDE program, the patient must be enrolled in original Medicare, not Medicare Advantage, and have a dementia diagnosis rather than mild cognitive impairment. They can’t be in hospice or a long-term nursing home resident.

CMS offers a fact sheet for patients and caregivers with more information and a link to its CMS Innovation website, where you can find a list of participating organizations.

Click Guiding an Improved Dementia Experience (GUIDE) Model in the drop-down models list on the left | Display selected.

If you find an organization in your area participating in the program, contact officials to see if it’s taking new patients and if your loved one is likely to qualify. The program will conduct an initial evaluation before determining eligibility.

“I think medical people have typically seen caregivers as functions as opposed to people who need wellness themselves,” says Ellen Carbonell, who created the Caring for the Caregivers program at the Rush University Health System in Chicago in 2019. Rush’s evidence-based program to help caregivers includes many of the same services as the GUIDE program, but additional CMS funding eliminates many of the copayments that participants had to pay. “This is going to allow a lot more people who previously couldn’t afford to meet their out-of-pocket components of billing to get involved in the program.”

More than 6.7 million Americans were living with dementia in 2023, according to the National Institutes of Health. Without any breakthroughs to curb the condition, cases could grow to 13.8 million by 2060.

“Caregiving is an unpaid job that does not discriminate by gender, race, age or any other demographic,” says Nancy LeaMond, an AARP executive vice president and its chief advocacy and engagement officer. She and her two sons took care of her husband, Steve, at home for six years before he died in 2019 of amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease. 

“I always felt like I was on the sidelines with all the … discussions,” she says. “But these steps that talk about how you integrate the care the family caregiver is providing is so important. We hope this will lead to models for other disease.”