When it comes to getting care at home, one of the first questions families ask is: “Will insurance or Medicare pay for this?” We know healthcare coverage can seem complicated at Havenova Home Care Solutions. That is why we’re here to make it less complicated and explain how Medicare and insurance plans play into home health services.

What Services Are Provided by Home Health?

Such services may include skilled nursing, physical therapy, occupational therapy, speech therapy and even medical monitoring. Other support services — such as personal care, companionship or help with daily activities — may be included depending on your specific plan.

Medicare Coverage

Medicare Part A and Part B You must meet certain conditions for Medicare to cover home health services:

• You are on a doctor ‘s supervision.
• A physician attests to your need for skilled nursing care or therapy services.
• The care is delivered by a Medicare-certified home health agency.
• You are “homebound,” in the sense that leaving home is taxing.

Medicare typically pays 100 percent of approved charges for skilled services, but it does not cover around-the-clock care, meal delivery or personal homemaker services if those are the only types of care needed.

Private Insurance Coverage

Many private insurance and Medicare Advantage plans are more far-ranging in their benefits. Many cover:

• Skilled nursing care
• Therapy services
• Assist with personal care (bathing, dressing, meal snack prep)
• Long term or extended home health depending on the policy

It’s also worth noting that coverage varies widely, so you’ll want to see exactly what your plan includes — or let Havenova’s care team walk you through it.

Why Havneova Home Care Solutions?

Here at Havenova, we don’t only offer compassionate care — we assist families through the insurance and Medicare process. Our experts will do the following with you:

• Verify your coverage.
• Explain what services are included.
• Create a plan of care that works for your health AND budget.

Final Thoughts

You don’t have to get a Ph.D in Medicare and insurance to figure out how home health services are covered by the former, now that you know the basics. At Havenova Home Care Solutions, you have an advocate at every point when it comes to securing the care you or your loved one deserves — in a familiar place.