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My mother only has AARP advantage. She's 94, hasn't been out of the house for 2 years, won't see a doctor. She isn't rich, has no money. How can she afford home care?

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She can't afford home care, other than that provided perhaps through medicaid. Has she applied yet to medicaid? In some states home care is provided, but certainly not 24/7 care which is often needed.
There are many supplemental plans that are less costly, including advantage plans, than the AARP insurance which is often provided by United Health Care. They have both a regular and an "advantage" policy.
My brother kept and loved his plan from them as they allowed him to see virtually any doctor practicing at any hospital of his choice. But his supplemental insurance cost 247.00 per month compared to my own Kaiser at 98.00 a month with vision and dental. (He would have paid somewhat less for the Advantage program you have, but have had fewer choices.
So you can cost compare if you have the time or will. The United Health Care plan my brother had had provided no in home care, and he could have had certain specialty care things such as PT, OT, Wound Care, and etc. at home.
Wishing you good luck.
Policies are individual and should be checked out by calling the number on this insurance card.
Are you her POA?
Have you discussed needs with her MD?
It may be time to consider placement where she will be safely cared for?
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Are you talking about a visiting doctor?

If you believe she needs a caregiver, your first step is getting a needs assessment done. Your county counsel on aging can help you get that done. They can give you lists of all local resources as well.
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At 94, she is entitled to spend the rest of her life the way she wishes. She should use the money whatever she has, to enjoy herself. No good health plan will make her eternal.
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