Will Medicare, Health Insurance, HMO, or VA benefits pay for in‑home care?
Unfortunately, HMOs, Health Insurance policies, and Medicare, do not provide any benefit for in home caregiving. They call it custodial or non‑medical home care. There are some Veteran Administration benefits that do cover some home care aide services. HMOs, Health Insurance, and Medicare provide coverage for “home health care”. Usually after a discharge from the hospital a nurse, or physical therapist may come to the home to perform medical services, such as sterile bandage changes or therapy. A nurse assistant may even assist with bathing to maintain hygiene. These care professionals do not stay for an extended period; they arrive, provide hands on care, and leave. Due to the complex nature of maintaining compliance with state licensing and federal regulations, Medicare certified home health agencies do not provide in home caregivers for non‑medical home care, other than an occasional bathing service. Your policy may list “home care”, or “personal care services” under the “home healt
