Does Medicare Cover Home Health Care?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Medicare provides coverage for various health care needs and services. However, coverage for some services often comes with strict requirements. Home health services are one example.

Medicare Part A and B, which provide hospital and medical insurance, cover eligible home health services. However, it’s important to understand what services are available before you seek these benefits.

Meanwhile, Medicare Advantage, also called Part C, offers more flexible benefits and you may find a plan that provides more home health services.

Here’s what you should know about Medicare and home health care.

Does Medicare cover home health care?

You may need home health services to address an acute health need, such as recovery after hip surgery. Or you might require it for rehab after a heart attack. This care can be expensive, especially if a consumer is retired or is no longer able to work.

Medicare Part A and B, also called Original Medicare, covers home health services, such as medical social services, part-time skilled nursing care, physical and occupational therapy, a part-time home health aide and speech therapy.

However, a Medicare beneficiary needs to meet conditions to have home health care services approved, says Mike Sheeran, a certified financial planner and account executive at Glenn Insurance, an independent insurance agency based in New Jersey.

“This list isn’t exhaustive, but to qualify, you need to be under a doctor’s care and the doctor must certify that you need intermittent skilled care. Your condition must be improving or be expected to improve in a reasonable amount of time and you must be homebound. If your doctor can’t certify your conditions meet the criteria, the claim will be denied, unfortunately,” says Sheeran.

Sheeran adds that “diseases that don’t have a good prognosis for improving over time likely won’t be covered by Medicare or the benefits may not be what you expect.”

Medicare doesn’t pay for some homebound services, including:

Around-the-clock care
Meal delivery
Transportation
Most drugs if you’re homebound (except injectable osteoporosis drugs for women)
Housekeeping services
Personal care services — such as help with bathing and getting dressed — if that’s the only care you need

Who’s eligible for home health care covered by Medicare?

To be eligible for home health care, your doctor must certify that you’re homebound.

Medicare’s definition of homebound includes:

Difficulty leaving your home due to a health issue
Need another person’s help or need to use medical equipment, such as a wheelchair or walker, to be mobile enough to leave your home
Need skilled services for your care
Receive services under a care plan created or reviewed by a doctor and have seen a doctor or another qualified medical professional face-to-face before seeking home health care benefits

There’s an appeal process if Medicare denies the home health care benefit. Your provider can help you with the appeal.

“Sometimes, more information is needed before a service can be approved or there may be another issue that needs addressing,” Sheeran says. “When dealing with home health care specifically, there can be situations where your covered expenses are ending sooner than you think they should. In these cases, there is a process for an expedited appeal.”

How much does Medicare pay for home health care per hour?

Home health services can be expensive.

In 2021, the hourly cost of care was estimated to be between $26 and $27 an hour, on average, in the U.S. The care’s cost varies depending on where you live. For example, home health care costs are on the lower end in Louisiana at $16 an hour. In Washington state, they are 75% more — at $28 an hour.

You must seek the services of a Medicare-certified home health agency to get home health care benefits. After this, Medicare will pay for covered services for 60 days. Medicare bases its payments on your condition and care needs.

As Sheeran mentions, if you need services for a longer time, you have a right to a fast appeal in which an independent reviewer will assess your case and decide whether your services should continue beyond the 60-day period.

What does Medicare Advantage cover?

More than 51% of eligible Medicare recipients have a Medicare Advantage plan rather than Original Medicare. These plans, offered by private insurers, can have added benefits.

Medicare Advantage plans must provide at least the same coverage level as Original Medicare, but benefits differ by plan. It’s vital to review each plan’s benefits and to understand the home health benefits your plan offers — and at what level — when comparing Medicare Advantage plans.

One major difference to Original Medicare is that Medicare Advantage plans may cover custodial care, such as bathing, dressing, eating, transferring and using the restroom. If you want that kind of home health coverage, make sure the Medicare Advantage plan covers it before signing up.

Home health benefits can be a godsend for many Medicare beneficiaries.

Source:

Genworth. “Cost of Care Survey.” Accessed August 2022.

Medicare Advantage and Part D plans and benefits offered by the following carriers: Accendo, ACE-Chubb, Aetna Medicare, AFLAC, Allstate – National General, Anthem Blue Cross Blue Shield, Aspire Health Plan, Capitol, Centene Corporation, Cigna-HealthSpring, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Humana, Lumico – Elips, Manhattan Life – MAC, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare®

Disclaimer:

Insure.com is not affiliated with or endorsed by the government or Federal Medicare program. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Currently we represent 10 organizations which offer 100 products in your area. Please contact Medicare.gov, 1800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not all plans offer all of these benefits. Benefits and availability may vary by carrier and location. Limitations and exclusions may apply. Every year, Medicare evaluates plans based on a 5-star rating system. Part B Premium give-back is not available with all plans. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply. Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.

MULTIPLAN_INHOMEHC0124_M