Injured, ill, or recovering from a debilitating surgery or sickness? If you’re unable to maintain your regular daily activities and / or you’ve been forced to recover with a sustained period of bed-rest, then you may be eligible to receive private home care! Covered by select health insurance companies, individuals can receive incredible benefits from at home care; best of all, if your health insurance covers this form of treatment, then you can recover without risking your financial savings.
What is Private Home Care?
Private home care essentially serves to allow patients to recover in the privacy of their own home, as opposed to recovering in a hospital. Ideal candidates for private home care are often individuals with issues / health concerns such as:
- Post-surgical patients
- Individuals undergoing various cancer treatments
- Debilitating injuries that restrict physical movement (ie: amputation, broken limbs, etc)
- Elderly individuals in need of specific care and support
With private home care, certified health specialists, registered nurses, or other approved health experts can travel to your home for designated meetings or “appointments” each day / week.
Private Home Care and Health Insurance Coverage
While each health insurance company has its own policies and restrictions regarding private home care, individuals with long term health insurance may often be able to reap coverage benefits for such services. Oftentimes, long term health insurance policies offer to cover around $150 to $200 per day for at home health care services; however, if you or a loved one does not have long term health coverage, then Medicare may still offer options for support. Medicare will generally serve to help individuals over the age of 65 receive approximately 8 hours of private health care each day (24 hours each week in total) for a 60 day duration of time.
If you’re hoping to hire at home care for you or a loved one, begin by evaluating the current withstanding policy to find out what coverage options are available. Also, contact various at-home health care providers to compare prices. To help alleviate the financial burden, some at-home care service experts may allow individuals with minimal insurance (or no insurance) coverage to purchase bulk-care packages at an additional discount!
