Financial & Insurance Info

Home healthcare services can be paid privately by a family or also by usage of health insurance. In addition, there are parameters for usage under the federal medical program. Veterans may also be eligible through their VA plans. In Ohio, there are also county funded organizations that will often pay for home care.

Third Party Payers

1. Medicare: Home healthcare services covered by Medicare must be intermittent or part-time and provided by a Medicare-certified home health agency. Helping Hands Healthcare is a Medicare-certified home health agency. To be eligible you must be:

  • Older than 65 (some disabled under 65 are exempt from this age requirement)
  • Homebound
  • Under a physician’s care (the physician must authorize and periodically review the home healthcare plan)
  • In need of medically necessary skilled nursing or therapy

2. Medicaid: A program for low-income individuals, eligibility which varies by state. Helping Hands Healthcare is certified to provide services under Medicaid. Home healthcare coverage is mandated in all states for people who:

  • Receive federally assisted income maintenance payments such as Social Security income or Aide to Family with Dependent Children
  • Are deemed “categorically needy” (individuals who are aged, blind, and/or disabled with incomes above the mandatory coverage level but below poverty levels.
3. Older Americans Act (OAA): Enacted by Congress in 1965, the OAA funds state and local social service programs for frail and disabled older individuals to continue their independence in their communities. Coverage may include home healthcare agencies, personal care, meals, and shopping, to name a few. Individuals must be 60 years of age or older and must be in greatest social or economic need.
 
4. Veterans Association: Home healthcare may be covered for veterans through the Veterans Administration. US veterans in the VA program living with a complex, chronic or disabling disease with a short-term need for skilled services or assistance with activities of daily living may qualify for home healthcare benefits. Learn more at the United States Department of Veteran Affairs website.
 
5. Workers Compensation. Workers Compensation covers 100% of the cost of home healthcare. Individuals may be eligible for home healthcare through workers compensation if he or she requires medically necessary home care services as a result of an injury on the job.
 
6. County programs: Depending on patient’s eligibility and financial circumstances, certain community organizations may pay for all or part of the necessary home health or care services.
 
Private Pay
1. Private Insurance, Managed Care plans and Workers Compensation: Many private insurance policies, HMOs, PPOs and Workers Compensation plans cover home healthcare when prescribed by a physician. Please review your policy for specific terms.
 

Helping Hands Healthcare is a preferred provider for numerous insurance plans. For insurance cases, we will verify the patient’s coverage, including any co-payment, and bill the insurance company or other third-party payer for the patient.

 
2. Self-Pay: You may pay “out of pocket” for home healthcare services if you do not meet the requirements of third-party payers. Please contact us here at Helping Hands Healthcare to set up private pay services and see if you qualify. You may use private-pay services on top of your current services authorized through us if need be.