How is in-home care covered by Medicare?

In-Home Care Coverage: Does Medicare Pay for Home Health Aide Services?

If you need short-term care, should you stay at home or go to a nursing home? What if you could get some of your care at home and some in a nursing home?

That’s what Medicare covers with its in-home care coverage.

In this blog post, we’ll explore what Medicare covers when it comes to in-home care. We’ll also look at how much Medicare pays for in-home care services and who is eligible for coverage.

So, whether you’re considering in-home care or are already receiving these services, keep reading for everything you need to know about Medicare’s in-home coverage.

Table of Contents

Medicare in-home care

What is in-home care and does Medicare Cover Home Care Services?

In-home care is defined as a wide range of health and social services that are provided in the home to people who are unable to care for themselves due to illness, disability, or old age.


In-home care services can include anything from help with basic activities of daily living (such as bathing, dressing, and eating) to more complex medical care. Some in-home care providers also offer homemaking services, such as light housekeeping, laundry, and meal preparation.


Original Medicare Part A and B will cover the cost of short-term in-home care services under certain circumstances, such as when you are recovering from an illness or injury.

Medicaid may also cover in-home care services for those who meet the program’s eligibility requirements. 

Medicare Beneficiaries should look into Medicaid to see if they qualify for long-term care for those who need more care than is allowed by Medicare.


The cost of in-home care can vary depending on the type and amount of services required. In general, Medicare will only cover a portion of the cost of in-home care services; the rest will need to be paid out-of-pocket by the patient or their family members. 

Medicare and Medicaid may cover some or all of the cost of in-home care for those who qualify. If you are enrolled in a Medicare Advantage plan or Medicare Supplemental Plan, these Medicare programs may pick up most if not all of the costs.

What types of services are included in Home Health Care?

Home Health Services include Personal Care

There are many different types of personal care services that can be provided to individuals who cannot leave home due to a medical condition. Some examples include: help with bathing, dressing, grooming, toileting, and eating; light housekeeping tasks; transportation assistance; and companionship.

In-home Health Care Services include Homemaking

Homemaking is a term used to describe the various tasks and chores associated with running a household. These tasks can include cooking, cleaning, laundry, grocery shopping, and paying bills. Homemaking services are designed to help people with these everyday tasks so they can live independently in their own homes.

How often homemaking services are provided:

The frequency of homemaking services is also determined by the needs of the individual. For some people, these services may be needed on a daily basis. Others may only need them on a part-time basis such as once a week or less often. 

The frequency of service will be based on the assessed needs of the individual and may change over time as their needs change.

In-home care services include respite care

Respite care is a type of care that is provided to caregivers in order to give them a break from their caregiving duties and help prevent caregiver burnout. 

This type of care can be provided in the form of in-home services, such as having someone come to the home to provide care for the individual being cared for, or it can be provided in the form of out-of-home services, such as having the individual being cared for stay at a respite care facility.

In-home care services can be customized to meet the needs of the individual

Not everyone needs the same level of home care. Some Medicare beneficiaries need more aggressive intermittent skilled nursing care while others simply need an extra hand around the house while they recover from surgery.

Medicare will pay the cost of home health care for the following:

  • Personal care: bathing, dressing, grooming, toileting
  • Transferring: help with moving from one place to another
  • Instrumental activities of daily living: meal preparation, light housekeeping, laundry, shopping
  • Health-related services: medication management, wound care, physical therapy, social services
  • Other services: transportation, companionship, respite care

Home health care coverage is designed as a temporary benefit. If you need permanent help, you will need a long-term care insurance policy or apply for Medicaid. Medicare doesn’t cover long-term care under any Medicare plan.

What are the benefits of in-home care?

In-home care is a type of care that allows seniors to receive the assistance they need in the comfort of their own homes. This type of care is typically less expensive than other types of care, such as nursing home care.

In-home care services can include help with activities of daily living, such as bathing, dressing, and eating. In-home care can also provide transportation services, medication reminders, and light housekeeping tasks.

To be eligible for in-home care services through Medicare, you must be 65 years of age or older and have a qualifying health condition. You must also be able to participate in your own care and be able to safely remain in your home with the assistance of in-home caregivers.

If you think you or a loved one may benefit from in-home care services, the first step is to contact your local Area home health care agency. They will conduct an assessment to determine if you are eligible for in-home care services through Medicare.

If you are eligible, they will connect you with a provider who can begin providing you with home health benefits right away.


Who is eligible for Medicare to pay for in-home care?

Medicare Coverage of Home Health Care is for people who need help with activities of daily living

To be eligible for in-home care, a person must meet the Medicare eligibility requirements.

These requirements include the following:

  • Need help with at least two activities of daily living OR
  • Have a cognitive impairment, such as dementia, and need help with at least one activity of daily living AND have a carer who needs respite

There are six activities of daily living that your doctor can choose from when identifying your eligibility:

  1. Eating
  2. Bathing
  3. Dressing
  4. Toileting
  5. Transferring (moving from one position to another)
  6. Continence (control of bowels and bladder)

If your doctor is not able to identify at least two of these needs for care Medicare will not provide coverage for home health care.

Medicare Home Health Care Services is for people who are unable to care for themselves

In-home care is for people who are unable to care for themselves. This includes people who are:

  • Elderly
  • Disabled
  • Recovering from surgery
  • Terminally ill

Medicare Covers Home Health Care for people who are at risk of being placed in a Nursing Home / Skilled Nursing Care

In-home care is for people who are at risk of being placed in a nursing home. The person must be:

  • 65 years or older, or
  • Disabled, or
  • Have a chronic illness

Medicare Pays for Home Care for people who have a chronic illness or disability

In-home care is a type of care that helps people who have a chronic illness or disability to live in their own homes. It can be provided by family members, friends, or paid caregivers.

To be eligible for in-home care, you must:

  • Be 18 years of age or older.
  • Have a chronic illness or disability that requires help with activities of daily living such as bathing, dressing, eating, and using the toilet.

How do I get started with in-home care: Eligible for in-home care

In-home care provides many benefits for seniors

  1. In-home care can help seniors stay in their homes longer and age in place.
  2. In-home care can provide social interaction and companionship for seniors who live alone.
  3. In-home care can help with activities of daily living, such as bathing, dressing, and eating.
  4. In-home care can give family caregivers a much-needed break from their caregiving duties.
  5. In-home care can be less expensive than other types of long-term care, such as nursing home care.

How to get started with in-home care:

  • Talk to your doctor: Your primary caregiver is a great resource for finding in-home care services that meet your specific needs and budget.
  • Research your options: Once you have an idea of the type of in-home care you need, start researching different agencies or providers in your area

In-home care can be provided by a variety of providers

There are a variety of providers who can offer in-home care services. These include family members, friends, and professional caregivers. Professional caregivers are specially trained to provide the necessary assistance and support to seniors. They can offer a wide range of services, from help with basic needs such as bathing and dressing to more complex tasks such as providing transportation or helping with medication management.

In-home care can be expensive, but there are ways to save money on adult daycare

The cost of in-home care can vary depending on the services you need and the amount of time you need them.

There are ways to save money on in-home care, though. One way is to use government programs like Medicaid or Medicare to help pay for some or all of the costs. Another way is to get discounts from companies that offer in-home care services. You can also save money by sharing a caregiver with another family.

Veterans can apply for in-home care through the Department of Veterans Affairs. Depending on your VA disability rating these services can be completely covered at no cost.

In-home care requires some planning and preparation

In-home care is a broad term that includes a range of services provided in the home to people who are unable to care for themselves due to illness, disability, or old age.

What to expect:

The type of in-home care you receive will depend on your individual needs. In-home care can be as simple as providing occasional help with housekeeping or grocery shopping, or it can be more complex, such as providing around-the-clock nursing care.

How to prepare:

If you’re considering in-home care for yourself or a loved one, it’s important to do your research and choose a reputable provider. You’ll also want to consider the cost of in-home care and whether it’s covered by insurance.

How is in-home care covered by Medicare?

Medicare will cover some in-home care services if they are considered medically necessary. These services must be ordered by a doctor and provided by a Medicare-approved provider.

To be eligible for Medicare coverage of in-home care services, you must meet the following criteria:

• You must have a medical condition that requires skilled nursing or rehabilitative care on an intermittent basis (meaning it is not needed around the clock).

• You must be homebound, which means that leaving your home is a major effort.

• You must be under the care of a doctor.

• You must be receiving services from a Medicare-approved provider.

Medicare will cover some of the costs associated with in-home care, but you may be responsible for paying some out-of-pocket expenses depending on the Medicare plan you enrolled in. These can include deductibles, copayments, and coinsurance.

Medicare Supplement Premium Increased

What is the Home Health Care Costs?

In-home care is a covered benefit under Medicare Part A for people who are homebound and need skilled nursing or rehabilitative services. Under Medicare Part B, in-home health services are also covered, but the benefit is more limited.

In general, Medicare will only cover in-home care if it is considered medically necessary and ordered by a doctor.

While Medicare will cover some of the costs associated with in-home care, there are still many out-of-pocket expenses that beneficiaries will be responsible for. These can include things like copayments, deductibles, and coinsurance.

For those who need help paying for in-home care, there are a number of other options to consider. These can include private insurance policies, Medicaid, or Veterans benefits. Additionally, many families choose to pay for in-home care out of their own pockets.

What are the different types of in-home care providers?

Home health care aides are trained to provide basic medical care and assistance with activities of daily living. They can help with tasks such as bathing, dressing, and eating. Home health aide care also provides light housekeeping and can run errands for their clients.

Following are the different types of in-home care that Medicare may pay for:

  1. Skilled nursing care – is provided by registered nurses (RNs) or licensed practical nurses (LPNs). Skilled nursing care can include wound care, IV therapy, and monitoring of vital signs. RNs and LPNs can also provide guidance on managing chronic conditions such as diabetes or heart disease.
  2. Physical therapists (PTs) – help patients regain strength and mobility after an injury or illness. PTs use exercises, massage, and other techniques to improve the range of motion and reduce pain. Physical therapy can be used to recover from surgery or to manage a chronic condition such as arthritis.
  3. Speech therapists (STs) – work with patients who have difficulty speaking due to a stroke, brain injury, or other condition. Speech-language pathology services help patients regain the ability to communicate by teaching them how to use alternative methods of communication such as sign language or picture boards. ST Medicare covers In-Home Care services

How do I choose the right in-home care provider?

When considering In Home Care it is important to understand exactly what services are covered by Medicare and what Medicare does not pay for. There are a few different types of In-Home Care that Medicare will help pay for.

Working with a home health aide services organization could prove useful in finding the right provider. Great Nonprofits offer the ability to find organizations that specialize in all kinds of industries including home health care services.

Talk with your primary care doctor and obtain any needed recommendations as they may provide some valuable insight in your search.

Are there any special considerations for in-home care?

Your health care needs must be taken care of and most of the time that means you need to do 80 percent of the front-end work to get better. If you need home health care you will need to consider the following:

  1. Your health and care needs
  2. Your budget
  3. The type of care you need
  4. The location of the in-home care provider
  5. Your Medicare Insurance Plan
  6. Find out what Medicare does not cover
  7. How many hours per day will you require
  8. Establish a plan of care with the provider
  9. Do you meet the Medicare requirements
  10. Obtain a Home Health Agency Checklist from Certified home health agencies
  11. Research available home care technology such as video cameras to keep your family safe
  12. Updated your Power of Attorney for needed healthcare decisions
  13. Know your Home healthcare rights

Do Medicare Advantage Plans Pay for Home Health Aide Services?

Yes, Medicare Advantage plans typically cover home health care services. These services may include skilled nursing care, physical therapy, and home health aides. Some plans may also cover other services, such as medical equipment and supplies.

Medigap Insurance Company

How much does Medicare Supplement Plan G Cover in Costs?

Medicare Supplement Plan G covers all of the costs that Medicare Part A and Part B cover, except for the Medicare Part B deductible. This means that Plan G covers hospitalization, skilled nursing facility care, home health care, and hospice care. 

It also covers doctor’s visits, preventive services, and durable medical equipment.

To Receive home health care am I required to use a Medicare-Certified Home Health Provider?

No, you are not required to use a Medicare-certified home health provider to receive home health care. However, if you choose to use a provider that is not Medicare-certified, Medicare will not pay for any of the home health services that you receive.

How Do I Become a Medicare Certified Home Health Provider?

In order to become a Medicare-certified home health provider, you must first meet all of the eligibility requirements established by Medicare.

These requirements include being a licensed home health agency, having your agency’s accreditation in good standing, and having at least one full-time registered nurse on staff.

Once you have met these requirements, you can then apply for certification by submitting a completed application to your local Medicare office.

Integrity Now Insurance Brokers is Here to Help with your Health Insurance Home Care Benefits

At Integrity Now Insurance Brokers, we understand that finding the right insurance coverage can be a daunting task. That’s why our experienced and friendly staff is here to help you every step of the way.

We’ll work with you to find a policy that meets your needs and budget, and we’ll be there to answer any questions you have along the way.

Give us a call today and let us show you how easy finding the right insurance can be!