This guide covers home health, hospice, and personal care as the three separate legal regimes they are. It sets out Medicare home health eligibility element by element, including the homebound requirement and the maintenance coverage standard that agencies and contractors still apply incorrectly. It covers the hospice election and precisely what the waiver reaches, the benefit period and recertification structure, the four levels of care families are rarely told about, and why length of stay is not a discharge criterion. It works through Medicaid personal care and waiver programs, self-direction, and fair hearing rights with their short aid-paid-pending deadlines. It then covers the wage rules for agency-employed caregivers, the overtime paradox in consumer-directed programs, the fraud patterns that make this an enforcement priority, privacy in a household, discharge appeals, agency formation, and family caregiver arrangements.