In Home Senior Care in Miami

Does My Insurance Pay for Senior Home Care?

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How to Qualify for Home Health Care in Miami

A variety of senior health care treatments that were once only available at a doctor’s office or hospital can now be done in your home. This type of senior home health care is sometimes called in-home care, and its advantages include being less expensive, more convenient, and the care being of the same quality that you would find in a hospital or doctor’s office. One question that many people ask is, does insurance pay for senior home care? 

The short answer to this question is yes, assuming you meet certain eligibility criteria and if the services are considered reasonable and necessary for the treatment of your illness or injury. Here at Advancare, our caregivers would like to provide a guide on the home health care services that Medicare covers. 


If you’re wondering how to qualify for home health care for home health care, here is an overview of the eligibility requirements. If you have medical health coverage, you can use your home health benefits if:

  1. You’re under the care of a licensed medical professional, and you’re getting services under a plan of care established and reviewed regularly by a doctor. 
  2. You need, and the doctor certifies that you need, one or more of the following:
  • Intermittent skilled nursing care
  • Physical therapy
  • Speech-language pathology services
  • Continued occupational therapy
  1. The home health agency caring for you is approved by Medicare
  2. You’re homebound, and a doctor certifies that you’re homebound. Homebound can be defined as:
  • You have trouble leaving your home without help, such as a cane, wheelchair, walker, or crutches because of an illness or injury
  • You’re normally unable to leave your home, but if you do, it requires a major effort
  1. As part of your certification of eligibility, a doctor, or certain health care professionals who work with a doctor must document that they have had a face-to-face meeting with you and the meeting was related to the reason you need home health care.

What Home Health Care Services are Covered?

If you are found to be eligible for home health care services under your insurer, most will cover a number of different aspects of home care. These include:

  • Skilled nursing care
  • Physical therapy, occupational therapy, and speech-language pathology services
  • Home health aide services: This includes the personal care services provided by Advancare. Some health coverage plans don’t cover home health aide services unless you’re also getting skilled care

What to Expect

It is important to understand that Medicare will not pay for home health services such as meals delivered to your home and homemaker services. It also will not pay for custodial or personal care like bathing, using the bathroom, and dressing if those services are the only things that you require. 

Tips from Miami Caregiver

If you have any questions about whether Medicare will pay for your home health care services, do not hesitate to contact the experts at Advancare. Understanding and qualifying for Medicare can sometimes be a challenge, but our caregivers are here to help. 

Contact us at (305) 441-9794 for more information. 


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