Insurance & Payment
Does My Insurance Cover Home Health Care?
Whether your insurance covers home health care depends on your plan and the type of care you need. Focus Family Care accepts Medicare, Florida Medicaid, Medicare Advantage, and more than 100 private plans, and verifies your exact benefits for free before care begins.
Quick Answer
Most insurance covers medically necessary home health care in some form. Medicare and Florida Medicaid cover skilled nursing, therapy, and home health aide care when a physician orders it. Medicare Advantage and commercial plans, including Humana, Aetna, UnitedHealthcare, and Florida Blue, cover home health care based on the plan. Focus Family Care verifies your specific benefits for free before care begins.
Key Takeaways
- **Medicare** covers skilled home health care at $0 when a doctor orders it and the patient is homebound.
- **Florida Medicaid** (and plans like Sunshine Health, Simply, and Molina) covers skilled nursing, aides, and personal care for eligible members.
- **Medicare Advantage and commercial plans** (Humana, Aetna, UnitedHealthcare, WellCare, Florida Blue) cover home health care based on the plan.
- **Long-term care insurance and VA benefits** also pay for in-home care.
- Focus Family Care **verifies your benefits for free** and accepts more than 100 plans.
Does Insurance Cover Home Health Care?
Yes, most insurance covers home health care that is medically necessary, but what is covered depends on the type of insurance and the care needed. The table below shows how the main types of coverage work for home care in Florida.
| Coverage type | What it typically covers | Typical out-of-pocket |
|---|---|---|
| Medicare | Skilled nursing, therapy, and home health aide when homebound and doctor-ordered | $0 for covered care |
| Florida Medicaid | Skilled nursing, home health aides, and personal care for eligible members | $0 for eligible members |
| Medicare Advantage (Humana, Aetna, UnitedHealthcare, WellCare, CarePlus) | Home health care per the plan's rules, often with $0 copays | Varies by plan |
| Commercial / Marketplace (Florida Blue, Ambetter) | Medically necessary skilled care and therapy | Deductible or copay per plan |
| Long-term care insurance | Personal care, aides, and 24-hour care after the benefit triggers | Often $0 after benefit |
| Private pay | Any service, any schedule, no eligibility rules | $28 to $35 per hour |
Does Medicare Cover Home Health Care?
Medicare covers home health care when a physician orders skilled care and certifies the patient as homebound, at $0 out of pocket. Focus Family Care is Medicare-certified. Read the full details on the Medicare coverage page.
Does Medicaid Cover Home Health Care?
Florida Medicaid covers home health care for eligible members through regular Medicaid and the Statewide Medicaid Managed Care Long-Term Care program. Focus Family Care accepts Florida Medicaid and major managed-care plans. See the Medicaid coverage page.
Does Insurance Cover Services Like Wound Care or Private Duty Nursing?
Medicare, Florida Medicaid, and many plans cover specific home health services when a physician orders them, including wound care at home, skilled nursing, private duty nursing, physical therapy at home, and tracheostomy care. Focus Family Care verifies coverage for each service before care begins.
How to Check What Your Insurance Covers
To find out exactly what your plan covers, call Focus Family Care at (561) 693-1311. A coordinator verifies your benefits for free, explains any out-of-pocket cost, and handles the authorization. You can also see every plan on the accepted insurance plans page, or explore ways to pay for home care.
How We Know This
Focus Family Care is a Florida-licensed home health agency and nurse registry (License NR #30211928, HHA #299995403) accredited by ACHC. Guidance on this page is reviewed by the agency's Director of Nursing, and coverage details are verified with each family's insurance before care begins.
Sources
Areas We Serve
Serving Five South Florida Counties
Focus Family Care serves families from the Treasure Coast to Miami, with caregivers who live and work in the communities they serve.
Palm Beach County
West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Jupiter, Palm Beach Gardens, Wellington, Lake Worth Beach
Broward County
Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs, Pompano Beach, Plantation, Davie, Sunrise
Miami-Dade County
Miami, Miami Beach, Hialeah, Kendall, Coral Gables, Aventura, Doral, Homestead
St. Lucie County
Port St. Lucie, Fort Pierce, Tradition
Martin County
Stuart, Palm City, Hobe Sound, Jensen Beach
Don't see your city?
We likely serve it. Call us and we'll confirm coverage in minutes.
(561) 693-1311Frequently Asked Questions
Does insurance cover home health care?
Most insurance covers medically necessary home health care. Medicare and Florida Medicaid cover skilled nursing, therapy, and aide care when a doctor orders it; Medicare Advantage and commercial plans cover it based on the plan. Focus Family Care verifies your benefits for free.
Does Medicare cover home health care?
Yes. Medicare covers home health care at $0 out of pocket when a physician orders skilled care and certifies the patient as homebound. Focus Family Care is Medicare-certified.
Does Medicaid cover home health care in Florida?
Yes. Florida Medicaid covers skilled nursing, home health aides, and personal care for eligible members, including long-term support through the Managed Care LTC program. Focus Family Care accepts Florida Medicaid.
Does insurance cover wound care at home?
Medicare, Florida Medicaid, and many plans cover medically necessary wound care at home, including diabetic and pressure-ulcer care, when a physician orders it. Focus Family Care verifies your wound-care benefits for free.
Does insurance cover private duty nursing?
Florida Medicaid and many plans cover private duty nursing for adults and children with complex medical needs. Focus Family Care confirms your nursing benefits before care begins.
Does Medicare cover physical therapy at home?
Yes. Medicare covers physical therapy at home when a physician orders it and the patient is homebound. Focus Family Care arranges therapy at home and verifies coverage for free.
Does Medicare pay for a home health aide?
Medicare pays for a home health aide when it is part of a skilled care plan and the patient is homebound. Focus Family Care verifies aide coverage before care begins.
Does Humana cover home health care?
Many Humana Medicare Advantage and Humana Healthy Horizons (Florida Medicaid) plans cover home health care. Focus Family Care accepts Humana and verifies your benefits for free. See the [Humana page](/accepted-insurance-plans/humana/).
Does Florida Blue cover home health care?
Florida Blue (Blue Cross Blue Shield of Florida) plans cover medically necessary home health care based on the plan. Focus Family Care verifies your Florida Blue benefits for free. See the [Florida Blue page](/accepted-insurance-plans/florida-blue/).
What insurance does Focus Family Care accept?
Focus Family Care accepts Medicare, Florida Medicaid, Medicare Advantage plans (Humana, Aetna, UnitedHealthcare, WellCare, CarePlus), commercial plans (Florida Blue, Ambetter), long-term care insurance, and more than 100 plans in total. See the [accepted insurance plans](/accepted-insurance-plans/) page.
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515 N Flagler Drive, Suite 350, West Palm Beach, FL 33401