Paying for Phoenix Home Care
One of the biggest questions we receive is, “What are my payment options for home care?” At Nightingale Homecare, we know that figuring out how to pay for senior care services, whether in a care facility or at home, can be complicated, and we are here to help walk you through the process so you can help provide the quality care your loved one needs. There are several ways in which you and your family can pay for home care services, including:
- Private Pay: Most often, clients pay for non-medical home care services directly using savings, retirement or pension funds, family assistance, etc.
- Long-Term Care Insurance: If your loved one has a long-term care insurance policy, he or she can use the benefits to pay for home care services.
- Private Insurance: While some insurance companies pay for all or part of home health care services, it is rare that home care services are covered. If you are unclear about whether insurance will pay for private home health care services, Nightingale Homecare will be more than happy to contact your insurance company to verify available benefits. This is one more way Nightingale Homecare takes the stress out of arranging private home health care, especially at a difficult time.
When Does Medicare Pay for Home Care?
When home health care services are ordered by a physician, they are most often paid for by a third party, such as Medicare or private insurance. In some situations, even doctor-ordered services will only be partially covered or will not be covered at all by insurance, and clients or their families pay directly.
Medicare Part A (Hospital Benefit) will pay 100% for home care visits if:
- Services are ordered by a physician.
- The client qualifies as homebound because of illness or injury.
- The client needs part time or intermittent nursing care, or physical therapy, speech therapy, or occupational therapy.
- Home health aide services (i.e. bathing), are only covered if the patient is receiving nursing care, physical, or speech therapy.
- Routine medical supplies needed by the home health nurse, such as bandages or catheters, are also covered under the Medicare Home Health benefit.
There are several services that Medicare does not cover, including:
- Full time nursing care,
- Homemaker/housekeeping help, and
- Routine custodial care.
If you would like to learn more about home care payment options for your loved one, the Nightingale Homecare team is happy to discuss specific needs and situations for home health care in Arizona. Just give us a call!