Receiving short-term home care is more comfortable than receiving care in a hospital or intermediate facility. And in many cases Doctor’s would prefer a patient in their own home as quickly as possible.
But the costs for home-health care can be expensive, and while your Medicare plan may cover quite a bit, it wouldn’t hurt to know before hand just exactly what would and would not be covered in your acute care recovery.
Are you covered for short-term health care, and for how much?
If you’re on Medicaid, you should ask about your supplement carrier or advantage carrier about short-term coverage care in cases of acute care home recovery. Typically referred to as short-term home health care.
In most cases a variety of services are covered. But there may be limits on duration, and CMS sets the requirements for eligibility.
CMS requirements for short-term care eligibility say that to be eligible an individual must be certified homebound and under the care of a licensed Doctor. In addition, CMS says:
Before you start getting your home health care, the home health agency should tell you how much Medicare will pay. The agency should also tell you if any items or services they give you aren’t covered by Medicare, and how much you’ll have to pay for them. This should be explained by both talking and in writing.
What about short-term home care for acute care recovery like open-heart surgery?
Many families face the reality of a loved one recovering from major surgery like open-heart. When that happens, patients are often moved form the hospital to the home while there is still substantial need for some form of personal care.
If in the case of acute care recovery, a patient cannot do several the six daily living functions: dressing, bathing, toileting, transferring, eating, grooming, then there may be gaps between what is needed and what is covered.
This is an instance of hidden medical cost that often catch beneficiaries off guard.
Much like the hidden cost of cancer treatment and recovery, recovery from acute surgical care can leave you with out of pocket cost for care services.
What can you do to if you want, or need more short-term home care coverage than you currently have?
Michigan Life and Health carries short-term home health care policies that are designed to step in and help you pay for out of pocket cost for skilled nursing and home health aide care in cases of acute surgical home recovery.
If your doctor feels that you can be sent home, but acknowledges that you will have difficulty with daily living functions, a short-term home health care policy from one of Michigan Life and Health’s insurance carriers will help you get pay for the services you need.
If you are receiving care from a licensed provider for home health care services, and meet the policy’s daily living activity eligibility requirements, one of the policies we carry will pay you directly for skilled care and home health aide care.
It’s important to note that this coverage is in addition to any other coverage you may have except workers-comp and no-fault coverages.
These short-term home health care policies can be surprisingly affordable. And, the benefits reset once you’re healthy again. That means that should you need the services again; they’ll be there for you.
Short-term home health care insurance from Michigan Life and Health
It takes just a few minutes to find out if you’re eligible for our short-term health care insurance. And we can even do it over the phone.
For more information about the policy, give us a call, or request more information by filling out our online form.
We will be happy to answer any questions you have about getting a short-term home health care insurance coverage policy from Michigan Life and Health.