Proper planning starts with a basic understanding of the insurance system
If you are navigating the seas of home care for the first time, you may be wondering, “doesn’t Medicare pay for help in the home?” Before answering that question, you should understand the difference between Home Health and private-duty, in-home care. Home Health care is medically focused while private-duty care usually focuses on non-medical care, such as bathing, dressing, meal preparation, and light housekeeping. Some states, however, allow private-duty nursing (like wound care, injections, and venipuncture) as well. Each Always There office can tell you about the laws in their state. The other big difference between Home Health and private-duty care is the payer source – who pays the bill. Home Health can be covered by traditional health insurance and Medicare. Private-duty care is usually paid by the client, or by a long-term care insurance company, if the client has that kind of policy.
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