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Paying For Home Health Care

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The cost of home health care is generally less expensive than the cost of traditional healthcare treatment facilities, such as hospitals or nursing homes unless you require a great deal of nursing or other specialized professional care.

If you have health insurance

As more fully described in other sections of this article, private health insurance, Medicare, Medicaid, military insurance and long term care insurance generally cover home health care.

If your health doesn't cover home care, ask your doctor or a home care agency to negotiate with your insurer to obtain coverage for you. Before calling, the person who will call should have an understanding of what your insurance covers, as well as a detailed plan showing the cost savings to the insurer by allowing you to have care in your home compared to the cost of care in a setting that the insurance does cover.

If you do not have health insurance or your health insurance does not cover home care

If you do not have insurance and cannot afford care at home, there are alternatives to consider which are described in the other sections. 

If needed, you may be able to obtain medical equipment for use at home for free or at low cost. 

Other sections of this article cover the following subjects:

NOTE:

  • To get an idea of the current cost of different types of care in the state in which you live, go to www.Genworth.com/mycostofcare offsite link
  • For information about maximizing use of a home health aide, click here.

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