Does Medicare Cover Home Health Care?

11 Jan 2022
Home health care provides medical treatment at home. Medicare covers skilled nursing care and therapy, but with limits.

Medicare is a federal health insurance program that provides coverage to individuals aged 65 and over, as well as those with certain disabilities or chronic conditions. One of the areas that Medicare covers is home health care.

Home health care is an essential service that allows elderly or disabled individuals to receive the care they need in the comfort of their own homes. In this article, we will explore the question "Does Medicare cover home health care?" and provide an in-depth analysis of the coverage provided by Medicare.

Does Medicare Cover Home Health Care?

Yes, Medicare covers home health care services which are important for elderly or disabled people who need medical care at home. To be eligible, you need to be under the care of a doctor or healthcare provider and meet certain criteria.

Your doctor must confirm that you need one or more of the following services: nursing care, physical therapy, speech-language pathology services, occupational therapy, or home health aide services. The home health agency must be Medicare-certified. Also, your doctor must confirm that you're homebound, meaning you have trouble leaving your home without help due to an illness or injury.

Medicare Coverage for Home Health Care

Medicare covers a variety of home health care services for eligible beneficiaries. These services include:

  • Skilled nursing care: Skilled nurses can provide a wide range of medical services, such as wound care, administering medication, or monitoring vital signs.
  • Physical therapy: Physical therapists can help you regain strength and mobility after an injury or illness. They use exercises and other techniques to improve your physical function.
  • Occupational therapy: Occupational therapists can help you regain the ability to do everyday activities, such as dressing or cooking. They work with you to develop strategies and techniques to make these activities easier.
  • Speech-language pathology services: Speech-language pathologists can help you with communication and swallowing issues. They can also evaluate and treat cognitive impairments, such as memory loss.
  • Medical social services: Medical social workers can help you navigate the healthcare system and connect with other resources in your community. They can also provide counseling and support.
  • Home health aide services: Home health aides can provide personal care services, such as bathing, grooming, and dressing. They can also help with household tasks, such as cooking and cleaning.

What Home Health Services Isn't Covered?

It's important to understand what Medicare does and does not cover when it comes to home health services. While Medicare can be a great resource for older adults and people with disabilities, there are some limitations to what they will pay for.

Examples of what is not covered

  • 24-hour care at home
  • Meals delivered to your home
  • Shopping, cleaning, and laundry services
  • Custodial or personal care, such as bathing, dressing, and using the bathroom, when this is the only care you need.

It's important to be aware of these limitations so that you can plan accordingly and make informed decisions about your care. If you have any questions about what is covered by Medicare, don't hesitate to reach out to your healthcare provider or a Medicare representative for more information.

Who is eligible for Medicare home health care?

If you have Medicare, you can use your home health benefits if you meet certain criteria.


  • You must be under the care of a doctor or other healthcare provider, such as a nurse practitioner, clinical nurse specialist, or physician assistant.
  • Your care must be part of a plan established by your doctor or allowed provider, which is reviewed regularly.
  • Your doctor or allowed provider must certify that you need one or more of the following services:
  • Intermittent skilled nursing care (other than drawing blood)
  • Physical therapy
  • Speech-language pathology services
  • Continued occupational therapy
  • Home health aide services.
  • It's important that the home health agency caring for you is Medicare-certified.
  • Additionally, your doctor or allowed provider must certify that you're homebound. This means that you have trouble leaving your home without help due to an illness or injury, or leaving your home isn't recommended because of your condition.


  • You may still leave home for medical treatment or short, infrequent absences for non-medical reasons, like an occasional trip to the barber, a walk around the block, or attendance at a family reunion, funeral, graduation, or other infrequent or unique event.
  • You can still receive home health care if you attend adult day care or religious services.

Finally, your doctor or allowed provider must document that they've had a face-to-face encounter with you within the required timeframes, and that the encounter was related to the reason you need home health care.

Who isn't Covered with Medicare Home Health Care?

While Medicare covers home health care services for eligible beneficiaries, not everyone is covered.

  • If a beneficiary needs custodial care only, meaning assistance with daily living activities such as bathing or dressing, they are not eligible for Medicare-covered home health care services.
  • Additionally, if a beneficiary requires 24-hour care, they may not be eligible for coverage under Medicare.

It's important to note that while Medicare provides coverage for home health care services, the coverage is not unlimited. There are certain limits on the amount of coverage provided by Medicare.

Coverage limits

  • Beneficiaries may only receive a certain number of visits from healthcare professionals per week or month.

If you have questions about whether you or your loved one is eligible for Medicare-covered home health care services, it's best to speak with your doctor or a representative from your local Medicare office.

How Medicare Pays for Home Health Care

Medicare pays for covered home health services in 30-day periods of care, and you can have more than one period of care. Payment for each 30-day period is based on your condition and care needs.

Using a home health agency that's Medicare-certified can help lower your out-of-pocket costs. These agencies agree to be paid by Medicare and to accept only the amount Medicare approves for their services.

It's important to note that Medicare's home health benefit only pays for services provided by the home health agency. Other medical services and equipment are still covered as part of your other Medicare benefits.

Out-of-Pocket Costs for Medicare Home Health Care

Free photo man servant getting payed by owner

One question that often comes up when discussing Medicare home health care is whether or not there are any out-of-pocket costs associated with the service. The answer is yes, in some cases, you may need to pay for certain aspects of your home health care.

Examples of Out-of-Pocket Costs

  • If you require durable medical equipment such as a wheelchair or hospital bed, you may be responsible for paying 20% of the cost after Medicare has paid its share.
  • If your home health agency provides services that are not covered by Medicare, such as meal delivery or housekeeping services, you may need to pay for those out of pocket.

It's important to note that there are limits on how much you can be charged for these services. In 2021, the maximum amount a home health agency can charge for durable medical equipment is $8.33 per month.

It's also worth mentioning that if you have a Medicare Supplement Insurance (Medigap) policy, it may cover some or all of your out-of-pocket costs associated with home health care.

What is Advance Beneficiary Notice of Noncoverage (ABN)?

An Advance Beneficiary Notice of Noncoverage (ABN) is a notice that a healthcare provider gives to a Medicare beneficiary when they believe that Medicare may not cover a particular service or item.


The ABN allows the beneficiary to make an informed decision about whether to receive the service or item and pay out-of-pocket for it, or to decline the service.

  • An ABN does not necessarily mean that Medicare will not cover the service or item in question.
  • If the beneficiary receives the service and Medicare denies coverage, they could be responsible for paying for it themselves.
  • The ABN must be completed and signed by both the healthcare provider and the beneficiary before the service is provided.
  • If an ABN is not given when required, the provider may be responsible for paying for the service or item themselves.

How to Find a Medicare-Certified Home Health Agency

Finding a Medicare-certified home health agency is an important step in receiving home health care services. To find a Medicare-certified agency near you, you can use the "Home Health Compare" tool on Medicare's website. This tool allows you to search for agencies by zip code and compare their ratings, services provided, and quality of care.

Another way to find a Medicare-certified home health agency is to ask your doctor or healthcare provider for recommendations. They may be able to provide you with a list of agencies in your area that they trust.

It's important to note that not all home health agencies are created equal, so it's crucial to do your research before choosing one. Some factors to consider when selecting an agency include their experience providing the specific type of care you need, their availability and responsiveness, and their reputation in the community.

Checklist for Choosing a Home Health Agency

When choosing a home health agency, it's important to do your research and ask the right questions to ensure that you're getting the best care possible. Here is a checklist of things to consider when selecting a home health agency:

  • Is the agency Medicare-certified?
  • What services does the agency provide?
  • What is the agency's experience providing care for your specific condition?
  • Are caregivers available 24/7 in case of emergencies?
  • How quickly can the agency send someone to your home if needed?
  • What is the process for resolving any issues or complaints?
  • Does the agency conduct background checks on their staff members?
  • What training and qualifications do caregivers have?
  • Can the agency provide references from other clients?

By asking these questions and carefully considering your options, you can find a home health agency that meets your needs and provides high-quality care.

Tips for Navigating the Home Health Care Process

Getting home health care can be a daunting task, but it doesn't have to be. Here are some tips to help you navigate the process:

1. Understand your needs

Before you start looking for a home health agency, it's important to understand exactly what type of care you need. Make a list of your specific needs and requirements so that you can communicate them clearly to potential providers.

2. Research your options

There are many different home health agencies out there, and it's important to do your research before choosing one. Look for agencies that are Medicare-certified and have experience providing the type of care you need.

3. Ask for recommendations

Talk to your doctor or healthcare provider about their recommendations for home health agencies in your area. They may be able to provide valuable insight into which agencies provide high-quality care.

4. Check references

When considering a particular agency, ask for references from other clients who have used their services in the past. This can give you a better sense of what it's like to work with the agency and what kind of care they provide.

5. Understand the costs

Home health care can be expensive, so it's important to understand the costs involved before making a decision. Check with your insurance provider (if applicable) to see what is covered and what isn't.

By following these tips, you can find a home health agency that meets your needs and provides high-quality care.

Plan of Care: The Key Elements

Your plan of care is a crucial component of your home health care experience. This document outlines the specific services and treatments you'll receive, as well as the goals you hope to achieve through your care.

Your plan of care should be developed in collaboration with your healthcare provider and home health agency. It should take into account your individual needs, preferences, and goals, as well as any other factors that may impact your care.

Some key elements that may be included in your plan of care include:

  • The specific services you'll receive (such as nursing care, physical therapy, or speech therapy)
  • The frequency and duration of those services
  • Any medications you'll need to take
  • Any necessary medical equipment or supplies
  • Goals for your care (such as improving mobility or managing pain)
  • Instructions for family members or caregivers who will be assisting with your care

It's important to review and update your plan of care regularly to ensure that it continues to meet your needs and aligns with your goals.

Key Patient Rights in Home Health Care

When receiving home health care, it's important to know your rights as a patient. Here are some of the key rights you have when receiving home health care:

  1. The right to be informed about your care: You have the right to receive information about your diagnosis, treatment options, and expected outcomes.
  2. The right to participate in your care: You have the right to make decisions about your care and to be involved in creating your plan of care.
  3. The right to privacy: Your health information is private and should only be shared with those who need it for your care.
  4. The right to refuse treatment: You have the right to refuse any treatment that you do not want or that goes against your wishes.
  5. The right to be free from abuse and neglect: You should never experience abuse or neglect while receiving home health care.
  6. The right to file a complaint: If you're unhappy with the quality of your care, you have the right to file a complaint with your home health agency or with Medicare.

By understanding these rights, you can advocate for yourself and ensure that you receive high-quality home health care.


In conclusion, home health care is a valuable service that can provide much-needed support and medical treatment to individuals in the comfort of their own homes. Medicare provides coverage for eligible beneficiaries who require skilled nursing care or therapy services, but there are limits on the amount of coverage provided. It's important to choose a Medicare-certified home health agency and understand your rights as a patient receiving home health care.


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