Insurance and payment information
Anyone is eligible to receive home care, but you may be wondering how to pay for it. Medicare, commercial insurance and private pay are all options for HonorHealth home care services. Here's a brief look at the specific criteria you'll need to meet.
Medicare covers up to 100 percent of home health charges if specific criteria are met. Because of regular updates to Medicare programs and guidelines, please visit the Centers of Medicare and Medicaid Services website for the latest information.
Commercial health insurance policies typically cover home care, but benefits vary from plan to plan. Coverage is verified prior to the beginning of care. HonorHealth Home Health will inform you of any anticipated financial responsibility for home services, but you are ultimately responsible for the benefits and limitations of your insurance policy(s), including deductibles, co pays, and non-covered services.
You and/or your family have the right to be informed of your financial responsibilities, Medicare and/or insurance coverage prior to admission for services and prior to change in rates, charges or services, orally and in writing, as soon as possible, but no later than 30 calendar days from the date the Home Health department becomes aware of the change. This also may include the use of the Home Health Advance Beneficiary Notice.
Long-term care insurance
Long-term care insurance generally pays for home healthcare. Depending on your policy and provider, you may be assigned a case manager to oversee your care. You will need a doctor's note specifying that you need help with several activities of daily living to begin a claim. You'll have a choice of home healthcare agencies at the time your claim is approved.
You'll need to pay out-of-pocket for home care services that fail to meet the criteria of third-party insurers.