Is a Home Health Aide Covered By Insurance?

It’s very true – there’s no place like home. That’s why the elderly strive to stay there for as long as they can. When a person is aging or recovering from a recent surgery and needs help with their activities of daily living, a certified home health aide may be necessary. But is a home health aide covered by insurance? There are many different types of insurance with different coverage for home health aide services.

Private Health Insurance
InsuranceEvery private health insurance company is different but many will pay for certain home health care services. Services usually need to be medically necessary and sometimes a private health insurance provider will require a pre-approval for a home health aide.

Medicare
Medicare Insurance has strict rules for home health aides. They will cover intermittent skilled nursing care, in-home physical or speech therapy, occupational therapy and more. These services must be under the management of a doctor and must be reviewed regularly by him or her. Medicare does not cover 24-hour in-home care or homemaker services.

Medicaid
Medicaid coverage can vary state by state. The New York Medicaid program does cover in-home care services for personal care assistants and certified home health aides. However, to be eligible for these services, it must be medically necessary. There is also a stipulation that the person receiving the care should be in stable condition. This means that they are not expected to undergo sudden deterioration or improvement. The coverage is meant for those needing long-term in-home care.

Long-Term Care Insurance
Long-term care insurance is private pay insurance that can assist in reimbursement for home care costs if an individual meets the eligibility criteria in the policy. This insurance covers care not covered by private health insurance, Medicare or Medicaid and protects your savings accounts from becoming depleted by the steep cost of long term home care. The insurance must be purchased while the patient is fit, that is, before long term care becomes necessary.

Getting the right in-home care is important. There are many different insurance plans available and it is always prudent to check with your carrier regarding eligibility criteria, deductibles, and reimbursement. Contact your insurance representative, financial advisor, and friends about the choices available. You may also want to contact a home healthcare provider like David York Agency to ensure the policy you choose is compatible with the home care they provide.

David York Agency provides skilled home health aide services for elderly patients needing in-home care. David York Agency would be happy to assist you with your long-term care planning. Contact us at 718-376-7755. Please like us on Facebook or follow us on Twitter or LinkedIn and visit our website at http://davidyorkhomehealthcare.com/.

The Elderly and Hospital Re-Admissions

Hospital Re-admissions is a persistent problem amongst the elderly and reforms by hospitals and other health related agencies enacted to date have done little to make a real impact. 

457344351The truth is healthcare policy makers are not even sure where the problem lies.  Are the hospitals discharging patients too early or is the post hospital home care inadequate thereby forcing the cycle of re-admission?  Is the follow-up care by professionals to blame or is the patient and relatives unable to handle the care at home? 

A recent New York Times article raises the issues, but admits that no address has been identified for placing blame.  Medicaid and Medicare have tried to shame and create incentives for hospitals to reduce their re-admissions rates through publicity of re-admissions rates by hospital and the imposition of fines all to no avail.  While patients may receive the best of care and attention during their hospital stay, post hospital home care may fall short for several reasons.

The elderly may forget or ignore discharge instructions, may live in homes that do not accommodate their compromised health (i.e. stairs, distance from the bathroom) and they just may be too plain weak to organize meals or eat.  Relatives may also be unable to lift or move them properly. 

This is where the help of a home health aide would be most beneficial.  These are professional caregivers who are specially trained and certified to care for the elderly in the home setting.  These caregivers can meet the patient at the hospital and escort them home, help them with meal preparation and feeding, assist them in toileting, bathing and grooming and help relatives monitor that the discharge instructions are followed. 

Finding a home health aide can be burdensome, but luckily there are many licensed home healthcare agencies like David York Home Healthcare Agency out there to help relieve you of that task.  They screen the home health aides and make sure they are properly credentialed and able to deal with your particular situation. 

David York Agency is always available to help you sort out your situation and aid you in developing a care plan to suit your senior loved one.  David York Agency provides skilled home health aide services for in-home healthcare for elderly patients.  We would be happy to discuss your case with you.  Please call us at (718) 376-7755 or visit our website at http://davidyorkhomehealthcare.com/ or visit us on Facebook, LinkedIn or Twitter pages.