WAYS TO PAY

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Private pay for a home health service refers to when a client or their family pays out-of-pocket for care services, rather than using insurance, Medicare, or Medicaid. This option offers more flexibility in the type and duration of services provided, allowing clients to receive personalized care tailored to their needs without being limited by insurance coverage restrictions.

Medicaid is a state and federally funded insurance program that provides health coverage for individuals and families with low income. When used as a form of payment for home health services, Medicaid covers specific medical and personal care services for eligible clients. Coverage varies by state but often includes assistance with daily living activities, nursing care, and sometimes therapy services, depending on medical necessity and program guidelines. Be sure to check with your specific insurance for coverage policy and guidelines.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities. As a form of payment for home health services, Medicare typically covers skilled nursing care, physical therapy, occupational therapy, and speech-language pathology services—provided the client is homebound and the care is medically necessary and prescribed by a doctor. Coverage is limited to part-time or intermittent care and does not usually include 24-hour or long-term personal care. Be sure to check with your insurance coordinator for specific policy and guidelines.