What Are Home Care Services And Will Insurance Pay?

26 April 2022
 Categories: , Blog


Home care is a great option for those who struggle to take care of themselves or their home, but do not want to move to an assisted living or a nursing home. Home care provides many benefits for those who utilize the services. 

What Is Home Care?

Home care can consist of health care or non-health care services. Home care services allow nurses, caregivers, therapists, and more to come into the home to provide the needed services. Home care services are gaining in popularity due to the convenience they provide those in need. 

Who Needs Home Care Services?

Home care services are a great option for anyone in need. This typically includes people who are elderly, disabled, or injured.

Home care services do not have to last forever. For example, if you were recently in an accident and an injury is prohibiting you from properly caring for yourself, a care provider can come into your home and provide you with assistance until your injuries are healed. Though, long-term services are offered for those experiencing declines in their health. 

Examples of Home Care Services

There are many different options for services available depending on your needs. 

Some service options can include:

  • Cleaning
  • Laundry
  • Meal preparation 
  • Grocery shopping
  • Wound care
  • Infusion 
  • Medication management
  • Physical therapy
  • Occupational therapy

Depending on your needs, your doctor or insurance company may recommend certain services. You are always able to accept or deny the recommended services. 

Does Insurance Pay for Home Care Services?

It is always important to check with your insurance company before beginning any services you may not be able to afford out of pocket. Although, most insurance companies today will cover some or all of the cost of home care services. 

There are certain steps that need to be taken to ensure your insurance will cover your services. For example, if you are receiving a health care service (e.g. physical therapy, wound care, etc.) your doctor needs to send an order to your insurance company and care provider stating that you are medically in need of these services. Without this order from the doctor, your insurance may try to say that the service was unnecessary and refuse to cover the cost. 

If you are receiving a non-health care service, your insurance company will need to deem this service necessary and send a service authorization to your care provider. A service authorization is a document that tells your care provider which services they can provide and how often. Without this authorization, your insurance will not cover the cost of services. If your insurance does not pay and you can afford to, you can always pay for the services out of pocket. 

Contact a company like A Nurse's Touch Healthcare Inc. to learn more.