There are many different health insurance options out there to choose from. However, you have to be sure you know what you need. For instance, not everyone needs regular trips to the doctor as much as others because they might need home health services.
Home health care is a form of healthcare that can take the form of things such as physical therapy, skilled nursing care, etc. To learn more about home health covered services, keep on reading.
Firstly to understand what home health services are, you need to know what home health care is. Home health services are services that are obviously done at the patient’s home but they tend to cater to specific needs.
For instance if the person is a young adult who is capable of going to a doctor without assistance, home health services will not be provided. These health services cater more to seniors and people with disabilities or those who are unable to leave the house.
Typically, home health services are things that involve nursing care. This can also include physical therapy for things such as speech therapy, occupational therapy, or respiratory therapy.
Usually, you would get these type of services if they are instructed to you by a doctor. As we stated earlier, people who are homebound are more likely to require this type of assistance.
Agencies for home health services are the ones to give the patients the assistance that they need. Their employees are all licensed by the state to perform health services at home.
You should never accept home health services from people who aren’t part of an agency or who do not own a license. Otherwise, you would end up getting potentially dangerous services from people who are not accredited to meet the quality standards that the state requires.
The actual cost of home health services will vary a lot based on many different factors. For instance, the type of home health service that the medical professional would be doing could affect the cost.
The length of time that they’ll be in your home or if they are 24/7 would drastically change the cost of the services. Each agency may also have a different price range for their home health services.
You should try to take a look around to see what your options are to find the most affordable but efficient option that you can find.
Luckily for many people, home health services are covered by many health insurance companies. Medicare also covers a lot of home health services if you want to get insurance from them there.
This will help you save a lot of money because home health services tend to be more costly than hospital stays. Instead of paying for it out of your own pocket, you should get insurance while getting the home health care that you need.
If you are planning to use Medicare insurance for your home health services, you should check out their requirements first.
Be sure to always check if they have premiums, deductibles, and other fees involved to know what you would have to spend.
You should also inquire the home health agency or Medicare themselves to see what agencies Medicare covers for home health.
Keep in mind that what Medicare will cover for home health services are limited. Part time nursing care for instance is something that Medicare will cover for a specific period of time only.
However, Medicare will not cover any expenses such as personal care, day care assistance, meal delivery, homemaker services, etc. This means that Medicare will cover some of the medical aspects that your home health services provide, but they will not cater to anything other than that.
Keep in mind as well that there is typically a limit on how many visits or number of days you can be covered by Medicare for a year until you pay for it on your own.
Normally a hospital social worker will be the one to present you with a list of home health agencies to choose from. This would normally happen prior to getting discharged from the hospital and going home.
This can be beneficial since the social worker may know what health insurance you have, such as Medicare, and offer you home health agencies that are covered by that medical insurance company.
However you should always double check whether or not the home health service company is licensed by the state that you are living in.
You could also just search online for reliable health care agencies around your area that can attend to you. Be sure you ask them some questions before accepting any of their home health services.
For instance, you should ask them things like what kind of background checks are performed on their employees or if they are licensed by the state you are in.
If they are unable to answer those questions or have no proof to show that they are licensed, you should move on to look at other home health agencies right away.
You should really take your time if possible in selecting what home health agency you want to deal with. If you are dealing with a chronic disease, it is important that you get a medical professional who really knows what they are doing to assist you with the best of their ability.
Keep in mind that some home health agencies cater or specialize in certain home health services. For instance, one agency might specialize in skilled nursing while another one is known for their medical social services.
This will help you know where you would get the most benefits from when choosing a home health service.
As mentioned earlier, home health care is where the patient is cared for at home. Typically this is needed because the patient is homebound and cannot go to the hospital easily, so the doctor will recommend them to have home health services. Therapy is also possible to be done at home for home health services.
Hospice care, on the other hand, is for patients who are terminally ill or who have around six months or less. If the doctor sees that the patient has less than six months to live, they will give them the option to get hospice care.
Hospice care is usually given as an option so that the patient can live comfortably throughout the rest of their life without or with less pain and in comfort wherever they choose.
You shouldn’t confuse hospice care with nursing homes, since a nursing home is meant for the elderly where hospice care can be done anywhere for a patient of any age.
Hospice care can also be covered for people who have Medicare given that the hospice care provider is covered by Medicare. People tend to confuse hospice care with home health care because you would see hospice care at the patient’s home.
However, hospice care can be done almost anywhere the patient feels most comfortable, which is typically their home or even at a nursing home.
Hospice care can be accompanied by a team of people taking care of the patient rather than just one person, which is common in home health services.
In the past decade, home health services have been experiencing a large boom. Since most patients found out that they could be discharged or the elderly had the option to get their medical care at home, they normally quickly take the option.
It may not be surprising, but almost 70% of home health care patients are aged 65 and above. This is because the elderly find it more tiring to go in and out of the hospital, so they would prefer getting home health services.
Luckily for them as well, Medicare will provide them with that given that they have gotten the right plan that can give them that option.
Home health services are a great option for many people and they cover so many aspects. Whether you are going to be homebound for a few weeks due to a surgery or you want to have some therapy done in the comfort of your own home, home health services are great options.
You should also get insurance from Medicare to help you reduce the overall costs. Home health care services can be rather expensive if you are paying for them all on your own, so by getting medical insurance to help cover the costs, you can save a lot while getting the health care you need.