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What's home health care?
Home health care is a wide range of health care services that can be given in your home for an illness or injury. Home health care is usually less expensive, more convenient, and just as effective as care you get in a hospital or skilled nursing facility (SNF).
- Wound care for pressure sores or a surgical wound
- Patient and caregiver education
- Intravenous or nutrition therapy
- Monitoring serious illness and unstable health status
The goal of home health care is to treat an illness or injury. Home health care helps you get better, regain your independence, and become as self-sufficient as possible.
If you get your Medicare benefits through a Medicare health plan, check with your plan to find out how it gives your Medicare-covered home health benefits.
If you have a Medicare Supplement Insurance (Medigap) policy or other health insurance coverage, tell your doctor or other health care provider so your bills get paid correctly.
If your doctor or referring health care provider decides you need home health care, they should give you a list of agencies that serve your area. They must tell you whether their organization has a financial interest in any agency listed.
What isn’t covered?
- 24-hour-a-day care at home.
- Meals delivered to your home.
- Homemaker services like shopping, cleaning, and laundry when this is the only care you need, and when these services aren’t related to your plan of care.
- Personal care given by home health aides like bathing, dressing, and using the bathroom when this is the only care you need.
What you have to pay
You may be billed for the following:
Medical services and supplies that Medicare doesn’t pay for when you agree to pay out of pocket for them. The home health agency should give you a notice called the Home Health Advance Beneficiary Notice (HHABN) before giving you services and supplies that Medicare doesn’t cover.
- Home Health Aid average cost per hour is $127.
- Homemaker Services average cost per hour is $125.
- Adult Daycare Services average cost per hour is $68.
20% of the Medicare-approved amount for Medicare-covered medical equipment such as wheelchairs, walkers, and oxygen equipment.
You can’t predict the future, but you can prepare for it
How will you pay for the unexpected accident or illness that requires a short stay in a Nursing or Assisted Living Facility or for Home Health Care, Adult Day Care or Hospice Care?
You could use your savings or retirement income to help pay for your recovery, or you can rely on a supplemental insurance plan to help you protect your assets, rather than exposing them to risk.
Have questions about Medicare? Ask me about your Medicare options by calling 888-357-1999 or by sending a message request below to Medicare Options Info, Inc. A licensed independent insurance agent appointed with multiple carriers will help you make an informed decision. Agent is not connected in any way with the federal or state government or Medicare.