Will Insurance Cover the Cost of Home Care Assistance?

October 24, 2018

If you’re in the early stages of deciding whether home care assistance could help an aging parent or family member, one of your first questions may relate to payment.

Namely, will your parent’s insurance pick up the costs.


If your loved one needs medical care, then yes, you’ll want to research their Medicare benefit.

If a doctor deems the care is medically necessary, the costs should, at least partially, be covered by.  You should also know that the coverage will likely be restricted to patients who are homebound, i.e.: they are unable to leave their home without a wheelchair, scooter or human help. Care may also be available to patients whose condition would be made worse by leaving their home.

Remember- if the home health aide provides additional non-medical care services, like helping the patient bathe and get dressed, preparing meals and doing some light housekeeping, Medicare won’t cover those costs.


Medicaid is an insurance program that’s offered to low income persons. In the state of Florida, home health care is a covered benefit.

Veterans Programs

The Department of Veterans Affairs provides several forms of assistance to veterans that need home care. In some cases, the VA will provide financial assistance or in other cases, the agency may provide services that will help reduce a veteran’s need for home care.

If your loved one has veteran’s benefits, you’ll want to look here to determine benefit amounts and eligibility requirements.

Other programs

Aging Floridians can also take advantage of other state and local programs, including:

  • CCE Program
  • Alzheimer’s Disease Initiative
  • Home Care for the Elderly
  • Project R.E.L.I.E.F.
  • OSS for Seniors

Each program has different eligibility requirements and different benefit amounts, so you’ll want to take some time and do your homework.

Talk to an expert

If you don’t know the types of services the patient will need, trying to determine whether an insurance provider will provide coverage is a bit like trying to hit a moving target.

You’ll want to start by determining what type of home are is needed (i.e. a private nurse, personal care and companionship or home health care), and start to research how those services are paid.

From there, you’ll want to reach out to local service providers to find out what types of benefits you may have along with what out of pocket payments may look like based on your individual situation.

If you have questions about whether your insurance provide will cover home health agency visits, call Moorings Park Home Health Agency today at 239-643-9128 to learn more.