Recovery/ Home Health Care

What is it?

Recovery and Home Health Care insurance can help manage a variety of care expenses including temporary stays in a nursing facility or assisted care at your home. 

Not to be confused with long-term care insurance, recovery care pays benefits to help manage expenses that are overlooked by Medicare and Long Term Care plans. Anyone who has suffered an incapacitating illness such as stroke, heart attack or a serious injury causing them to be temporarily unable to care for themselves can benefit from Recovery Care or Home Health Care insurance.

Why do I need it?

There are certain services that Medicare Part A or B will not pay for and Recovery/Home Health Care insurance can fill in these gaps. Should you require a stay in a skilled nursing facility, Medicare Part A will only cover skilled care and requires at least three days of hospital confinement before covering the first 20 days of nursing facility care. When those 20 days are up, you will have to make out-of-pocket coinsurance payments for the next 80 days before the coverage ends. 

Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) covers eligible home health services like these:

  • Intermittent skilled nursing care

  • Physical therapy

  • Speech-language pathology services

  • Continued occupational services, and more

Usually, a home health care agency coordinates the services your doctor orders for you. 

 

Medicare doesn't pay for:


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