Home Health Care
Recover in the comfort of your own home with professional medical care. Our home health coverage includes skilled nursing, therapy services, and medical equipment so you can heal where you're most comfortable.
Recover in the comfort of your own home with professional medical care. Our home health coverage includes skilled nursing, therapy services, and medical equipment so you can heal where you're most comfortable.
For many patients recovering from surgery, illness, or injury, home is the best place to heal. Studies consistently show that patients who receive care at home have lower infection rates, faster recovery times, and better overall outcomes compared to extended hospital stays. Home health care bridges the gap between hospital and full independence, providing skilled medical care in the familiar comfort of your own environment.
Home health care isn't just more comfortable; it's often more cost-effective than facility-based care. A day of home health services costs a fraction of a hospital or skilled nursing facility stay. Insurance companies recognize this value, which is why comprehensive health plans cover home health services as part of the continuum of care.
Our health insurance plans provide coverage for home health services when medically necessary. Whether you need skilled nursing care after surgery, physical therapy to regain mobility, or help managing a chronic condition, our coverage ensures you can receive quality care at home without bearing the full financial burden.
Registered nurses and licensed practical nurses providing medical care in your home, including wound care, IV medications, catheter care, injections, medication management, and health monitoring and assessment.
In-home PT sessions to help you regain strength, balance, and mobility after surgery, injury, or illness. Therapists work with you in your actual living environment, addressing real-world mobility challenges.
Help relearning daily activities like bathing, dressing, cooking, and other self-care tasks. Occupational therapists also recommend home modifications and adaptive equipment to maximize independence.
In-home speech-language pathology services for communication disorders and swallowing difficulties. Particularly important after stroke or head injury when leaving home for therapy is difficult.
Durable medical equipment (DME) including hospital beds, wheelchairs, walkers, oxygen equipment, CPAP machines, and other medically necessary equipment for use at home.
IV medications, parenteral nutrition, and infusion therapy administered at home by trained nurses. Allows patients requiring ongoing IV treatment to receive care outside the hospital setting.
Transitional care after hospital discharge, including wound care, medication management, and monitoring for complications. Helps prevent hospital readmissions by ensuring patients receive proper care during the vulnerable recovery period.
Ongoing care for conditions like heart failure, diabetes, COPD, and other chronic diseases. Includes regular nursing visits for assessment, education, and medication adjustment, helping patients manage conditions at home.
Physical, occupational, and speech therapy delivered at home for patients who have difficulty traveling to outpatient facilities. Therapy in the home environment allows practice of real-life activities in the actual setting where they'll be performed.
Social workers who help patients and families navigate the healthcare system, connect with community resources, address psychosocial issues affecting health, and plan for ongoing care needs.
Home health coverage has specific requirements and limitations. Understanding these helps you access the care you need:
Home health services must be ordered by a physician and be medically necessary. You must have a skilled care need (not just help with daily activities), and you must be homebound, meaning leaving home requires considerable effort or is inadvisable due to your condition.
Being homebound doesn't mean you can never leave home. It means leaving requires considerable effort due to illness or injury. Short, infrequent trips for medical appointments, religious services, or family events don't affect homebound status.
Home health coverage is for skilled nursing and therapy services, not custodial care. Services must require the skills of a licensed nurse or therapist. Help with bathing, dressing, or housekeeping alone isn't covered unless combined with skilled services.
Home health services are covered when needed on a part-time or intermittent basis, not 24-hour care. Visits are typically scheduled several times per week, with the frequency determined by your medical needs and adjusted as you improve.
Your doctor must order home health services and certify that you need skilled care and are homebound. The hospital discharge planner often arranges home health if you're leaving the hospital, or your doctor can order services directly if you're at home and develop a need.
Coverage continues as long as you need skilled care, are homebound, and are making progress toward goals. Your doctor must periodically recertify your need for services. There's no arbitrary time limit, but services should help you improve or maintain your condition.
Yes, you can choose any certified home health agency that participates with your insurance. Consider factors like experience, services offered, staff qualifications, and patient reviews. Hospital discharge planners can provide recommendations.
Standard health insurance covers intermittent skilled care, not 24-hour care or live-in caregivers. If you need around-the-clock care, you may need to explore long-term care insurance, Medicaid (if eligible), or private-pay options for custodial care.
DME like wheelchairs, hospital beds, oxygen equipment, and walkers are covered when medically necessary and prescribed by your doctor. You'll typically pay a percentage of the cost (coinsurance) after meeting your deductible. Rental vs. purchase depends on the equipment and expected duration of need.
There's no place like home, especially when you're recovering. Quality home health care helps you heal in familiar surroundings while receiving professional medical attention. Speak with a licensed agent today to find a plan that covers home health services.