Far too many of us say no to help when we’re discharged from the hospital or rehab, even though studies have shown that too often we end up even worse off when we refuse home health care. Why do we make these choices?

• The situation isn’t correctly explained to us. Worse is if the hospital doesn’t understand the Medicare guidelines and doesn’t offer us home health care. There’s a difference between “home care” and “home health care.” One involves skilled care and the other personal care. If we’re on

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