Home health care in the United States is really expensive.
Thats $68,640 a year to hire a home health aide to work 40 hours a week.
So does Medicare cover home health care?
When Insurance Falls Short…
Unfortunately, insurance doesnt covereverything.These resourcescan help you manage those unexpected expenses.
Its meant to provide support on a part-time basis and doesnt include around-the-clock custodial care.
Medicare covers home health care services for a limited period.
It usually follows a hospital stay or after a physician certifies the need for skilled care.
Additionally, the services must be provided by a Medicare-certified home health agency.
How Do You Qualify for Medicare Home Health Care?
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How Much Does Medicare Home Health Cost?
However, Medicare Advantage plans require you to choose health care providers within the plans connection.
They should provide this information both verbally and in writing.
The ABN is a notice that explains why Medicare probably wont pay for certain services.
For example, something may not be covered if the home health agency doesnt believe its medically necessary.
What it Doesnt Cover
Remember: Medicare does not cover 24/7 custodial care.
That includes assistance with activities of daily living such as bathing, dressing and meal preparation.
It doesnt cover housekeeping, meal delivery and transportation either.
Keep in mind that you may have to foot the bill for any services or supplies Medicare wont cover.
So, its essential to understand the costs involved beforehand.
Speak with a staff member at the home health agency if you have any questions about your ABN.
And heres an important tip.
This way, Medicare will review the claim and make a decision about payment.
Its your right to have the agency bill Medicare, so dont hesitate to do so.
Will Medicare Pay for Family Caregivers?
Medicares coverage for home health services is rather narrow.
But Medicaid offers additional support in the form of caregiver payment programs.
Medicaid is a health insurance program for people with lower incomes.
In 2023, about12 million peoplewere eligible for both Medicare and Medicaid, a situation known as being dual-enrolled.
Eligibility is usually based on the beneficiarys functional and financial needs.
you might find state-specific eligibility criteriahere.
If youre already enrolled in Medicaid, contact your states Medicaid office for more information.
To learn more, check out our article onhow to become a paid caregiverfor a family member.
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Rachel Christian is a Certified Educator in Personal Finance and a senior writer at The Penny Hoarder.
She focuses on retirement, Medicare, investing and taxes.
