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Home Health Care & Medicare

seniors searching for health plansIn unfortunate cases in which you or someone you know has been injured or has serious health problems that make daily activities difficult to do, you might have been advised by your doctor to have home health care.

This functions as a more convenient alternative to hospitalization, as it is done at home, in your own environment where you are surrounded by the loved ones.

Apart from that, the medical care you are provided is as efficient as the one you would get in a hospital because the services are offered by registered nurses who are capable of taking care of you and offer skilled medical care.

Because these services practiced in your home can be obtained only by having a prescription from your doctor, you might be asking yourself whether Medicare pays for home health care or not. Let’s find out!

Home Health Care – Does Medicare Cover It?

Eligible home care services such as physical therapy, occupational therapy, wound care, vital signs monitoring, administration of medication, speech-language therapy and assistance with recovery from illnesses or wounds are covered by Medicare Part A, which takes care of Hospital services and Part B, which is responsible for medical insurances.

These benefits offered by Medicare are very useful and aim at helping you get better, maintain your current condition and become self-sufficient after hard times. Therefore, your Medicare health care plan functions as the most important care-taker in these unfortunate situations but does not provide custodial 24-hour-a-day care at the patient’s residence.

You should also be informed regarding the terms and conditions that ensure you that Medicare will pay for home health care. In order for these services to be approved, you should meet the following conditions:

  • You must have a prescription given by the doctor who certifies that you are indeed in need of home health care
  • You must be under the supervision of a doctor and have a well-defined health care plan
  • You must be homebound and be able to prove this fact through documents as well
  • Your needs must meet the services offered by this type of health insurance: skilled nursing care, speech-language pathology, occupational therapy services or physical therapy
  • You should be in need of only part-time or intermittent nursing care, as permanent care is not included in the terms and conditions of the Medicare plans.

For more information about the benefits included in your Medicare insurance, you should not forget to keep in touch with your doctor, the insurance company officials and your health plan.

BGA Insurance Group can help you determine if your plan offers the coverage you need, or if you should enroll in a different plan. You could save a lot of money simply by asking! Contact us today.

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