I've heard Medicare covers home health care, but what exactly does that include?

Question

Steve Houchens · Accepted Answer

Medicare generally covers part-time or intermittent home health care services when medically necessary, especially after a hospital stay or skilled nursing facility stay. This includes skilled nursing, physical therapy, occupational therapy, and speech-language pathology services, as well as medical social services and some home health aide care if it's related to skilled care. Medicare, however, does not cover 24-hour care, meal delivery, or personal care when it's the sole need. You can find more extensive break down online if you search or sit down with an agent sometime to go over all of it.

Answered by Steve Houchens on April 10, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Gary Church · Answer

No, Medicare does not cover home healthcare. However, some Medicare Advantage plans, specifically C-SNP or D-SNP plans, might. I recommend meeting with a licensed Medicare agent who can check what's available in your area.

Answered by Gary Church on October 8, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

If someone is considered home bound and requires skilled care, AND is certified by a physician, Medicare will pay for some of the costs of Home Health Care. Medicare Advantage plans also have coverage for Home Health Care and differs from carrier to carrier.

Answered by Steve and Sue Brauer on April 14, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Mike Alexander · Answer

Medicare will cover Medically necessary Hme Health Care for 20 Hours each week.
You should also look into Long Term Care for more benefits also

Norman Smith · Answer

That would be incorrect information.. That would be handled hin Long Term Care. Skilled Nursing is covered with Medicare - but know what that entails! Hospitalized for 3 days, and then Skilled Nursing where you are improving each day but no less than for 3 days! If you haven’t shown improvement after 3 days, then Skilled Nursing will be done, and it will fall on your personal responsibility.
Bankers Life, per Forbes, is the best LTC in the country!

George Ibanez · Answer

Medicare covers very limited amount of home health care, and this could include some help for limited periods of time after hospitalizations, but it is not a permanent solution.

Ann Sanfelippo · Answer

Medicare covers home health care under Part A and Part B when it’s medically necessary and ordered by a doctor. This can include part-time skilled nursing care, physical therapy, occupational therapy, speech therapy, and limited home health aide services. The care must be provided by a Medicare-certified home health agency, and you must be considered homebound. Medicare does not cover 24-hour care, meal delivery, or custodial (non-medical) care like help with bathing or dressing if that’s the only service needed.

Answered by Ann Sanfelippo on March 18, 2026

Broker Licensed in FL, AL, AZ & 14 other states

Answered by Ann Sanfelippo Medicare Insurance Agent

Bill Wheeler · Answer

Yes, Medicare can cover home health care, but there are specific criteria that must be met. Generally, Medicare covers home health care if you are homebound, need skilled nursing care or therapy on an intermittent basis, and have a plan of care established by a doctor

Answered by Bill Wheeler on August 11, 2025

Broker Licensed in KY & IN

Answered by Bill Wheeler Medicare Insurance Agent

Edward Smith, ChFC, CRPS, AIF · Answer

A person would have to be considered homebound based on the Centers for Medicare & Medicaid (CMS) criteria, require skilled care on a part-time or intermittent basis to improve, maintain, prevent, or further slow your health condition and be under the care of a nurse practitioner, clinical nurse specialist, physician’s assistant, or doctor, who completes and documents an in-person visit with you either: three months before the start of home health care, or within one month after the home health care benefit has begun and receive home health care from a Medicare-approved home health agency.

You aren’t typically eligible for Medicare home health benefits if you need full-time skilled nursing care for an extended time period. Medicare covers specific services. These services include physical therapy, occupational therapy, speech-language pathology services, medical social services, medical supplies, and other services provided in your home. Recent changes to the law may allow for the increased ability to use telehealth.

If there are any home-based services that Medicare will not cover, your home health agency must advise you in writing through something called an Advance Beneficiary Notice of Noncoverage (ABN). If you disagree with Medicare’s decision to not provide coverage, you may be able to file an appeal.

John Becker · Answer

Medicare covers medically necessary, short-term home health care like intermittent skilled nursing, physical/occupational/speech therapy, medical social services, and some supplies/equipment, but only if you're homebound and under a doctor's care. It doesn't cover 24/7 care, custodial care (like bathing if it's the only need), or long-term help with daily activities; aide care is covered only if you're also getting skilled nursing or therapy.

Answered by John Becker on December 8, 2025

Agent Licensed in WI & MN

Answered by John Becker Medicare Insurance Agent

Steven Lovell · Answer

Medicare covers part-time or intermittent skilled nursing care, physical therapy, occupational therapy, speech-language pathology services, and medical social services when provided in a home setting.

Steven Litzsinger · Answer

Yes, Medicare covers home health services if you are homebound, need skilled care on a part-time or intermittent basis, and are under the care of a doctor. 

Covered services include skilled nursing care, physical and occupational therapy, speech-language pathology, and medical social services. 

Medicare typically pays 100% of the approved costs for these services. 


                                                   Eligibility Requirements:

Homebound: You have difficulty leaving your home without help, and it is a major effort to do so.

Skilled care: You need part-time or intermittent skilled nursing care or therapy services.

Doctor's order: A doctor or other qualified healthcare provider must certify that you need home health services and order your care.

Medicare-certified agency: Services must be provided by a Medicare-certified home health agency. 

                                                   Services that may be covered:

Skilled nursing care: Wound care, injections, and education on managing a condition.

Therapy: Physical, occupational, and speech-language therapy. 

Medical social services: Help with social and emotional issues related to your illness.

Home health aide: Medicare will pay for an aide if you also need skilled care, but not if you only need personal care. 

                                                        What is generally not covered:

24-hour care: Medicare does not cover around-the-clock care at home.

Homemaker services: Shopping, cleaning, and meal delivery are typically not covered.

Custodial care: Help with daily activities like bathing, dressing, and eating is generally not covered, though it may be included as part of a care plan that also includes skilled care.

Cheri Rogers · Answer

Medicare may cover medically necessary, part-time or intermittent home health care if you are homebound and your doctor orders a plan of care. You may owe 20% as Medicare only covers 80% of any medical services. Services must be provided by a registerd nurse or a licensed practical nurse. This may cover wound care, IV therapy, physical or ocupational therapy, speech therapy, and Duable Medical Equipment (walkers, wheelchairs, oxygen, etc.)

Answered by Cheri Rogers on May 19, 2026

Broker Licensed in NM & TX

Answered by Cheri Rogers Medicare Insurance Agent

Mike Odle · Answer

Nothing elaborate. A medical professional will pop in periodically for a few minutes to check vitals and monitor medications.

Joanna Finnegan · Answer

Medicare covers home healthcare if its part-time or intermittent skilled nursing care, physical therapy, occupational therapy, speech-language pathology, and some times home health aid services, but only when you also need skilled care. You must be homebound because of your illness or injury, and your doctor must set up the home healthcare program for you.

Answered by Joanna Finnegan on August 14, 2025

Broker Licensed in ID, AR, AZ & 31 other states

Answered by Joanna Finnegan Medicare Insurance Agent

Mark Garrett · Answer

Home health has many Facets. It may be nursing visits or nursing assistant visit. One being skilled visits, the other assisting with baths and mobility. Sometimes Physical Therapy comes to the home to help you get to walking and performing task around your house for yourself. It really is based on what your physician orders home health for.

Answered by Mark Garrett on October 21, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Mark Garrett Medicare Insurance Agent

Janix Barbosa-LLanos · Answer

Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN
(Licensed Insurance Agent — For Educational Purposes Only)

Yes, Medicare does cover certain home health care services — but it’s important to know what qualifies.

Medicare covers part-time or intermittent skilled care that’s considered medically necessary and ordered by your doctor. This type of care can be provided in your home after a hospital stay, a skilled nursing facility stay, or even as part of your doctor’s treatment plan.

* Covered services may include:

* Wound care

* Intravenous (IV) injections or medications

* Physical, speech, or occupational therapy

* Skilled nursing care

* Medical supplies related to your condition

To qualify, you must be under a doctor’s care, and the home health agency must be Medicare-certified.

If you’d like, I can walk you through the details and help you understand which services may apply to your personal situation.

(Reference: Medicare.gov – Home Health Services Coverage)

__________________
Disclosures:
Medicare does not cover long-term care. Please do not confuse long-term care with home health care. 

Medicare / CMS Disclosure
For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Mary Green · Answer

If a Dr creates a care plan for a Medicare beneficiary after a surgery or a serious illness, Medicare will pay for in-home care such as wound dressing, assistance with daily functions, medications and the like. Nothing full-time, but home health nurses are compensated through Medicare to assist recovery in certain critical situations.

Answered by Mary Green on October 28, 2025

Broker Licensed in AL, CO, FL, GA, TN & VA

Answered by Mary Green Medicare Insurance Agent

Donna Lueders · Answer

The short answer is yes.  You must have a doctor certify you need the services.  You must be homebound, and need the skilled care.

Joseph Mullen · Answer

Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance)
 cover eligible home health services as long as you need part-time or intermittent skilled services and you’re “homebound”. Covered home health services include medically necessary part-time or intermittent skilled nursing care. 

Medicare does not pay for 24-hour-a-day care at your home, home meal delivery, homemaker services (like shopping and cleaning) unrelated to your care plan, custodial or personal care that helps you with daily living activities (like bathing, dressing, or using the bathroom), when this is the only care you need.

David Didier · Answer

Home Health Care is covered by Medicare (with Original Medicare and with Medicare Advantage, with certain conditions that apply.  If any Durable medical equipment is needed, Medicare covers 80%). 

If you have Original Medicare and have questions about your home health care benefits with your conditions or any conditions, visit Medicare.gov, or just call 1-800-MEDICARE.

 If you receive your Medicare coverage through a Medicare Advantage (Part C) plan, you can call your insurance carrier to see what is covered and to get their help in this matter 

Thx

Jennifer Zimmerle · Answer

Medicare covers all costs associated with home health care. This includes medically necessary visits to access medication management, vital sign checks, physical therapy, speech therapy, occupational therapy and nutrition counseling. It will not cover personal care needs such as bathing, cooking, cleaning or others types of personal care. Those services must be paid for by the individual and are provided by other agencies or different divisions of home health agencies.

Answered by Jennifer Zimmerle on July 21, 2025

Agent Licensed in LA, MS & TX

Answered by Jennifer Zimmerle Medicare Insurance Agent

Ashley Broussard · Answer

Medicare covers limited, temporary, part-time home health services if you are deemed homebound, need skilled nursing or therapy, and have a doctor's plan of care. Covered services include intermittent skilled nursing, physical therapy, and home health aides for medical needs, typically with $0 copay. It does not cover 24-hour care, meal delivery, or long-term custodial care.

Answered by Ashley Broussard on May 4, 2026

Broker Licensed in LA, AR, AZ, MS & TX

Answered by Ashley Broussard Medicare Insurance Agent

Steven Bleicher · Answer

Home health care is specifically the responsibility of your Primary Care Physician. It is her/his job to write up "A Plan of Care", with his/her estimating how many days will be required for you to fully recovery from your illness/injury. This is submitted to Medicare and your secondary insurance (either the Supplement or the Advantage plan). Once approved, Medicare Part B will authorize a home care expert (not necessarily an RN) who will be a substitute in doing your "Activities of Daily Living". This is the preparation of food, housecleaning, bathing & dressing you, toileting, and transferring from for example, chair to table, bathroom to bedroom, etc. Oftentimes, it can include doing your shopping and driving you to doctor appointments. Should the doctor's initial Plan of Care be underestimated, he/she will get the chance to add to the # of additional days needed.

Answered by Steven Bleicher on July 13, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Diana Garner · Answer

Medicare covers specific types of home health services that are medically necessary and ordered by a doctor. These services typically include skilled nursing care, therapy (physical, occupational, and speech), and some medical social services, as well as medical supplies and equipment. 

Medicare doesn't cover all types of home care, like personal care assistance with activities of daily living (ADLs), unless it's combined with skilled nursing or therapy.

Kristen Skinner · Answer

It depends. If the doctor fills out a form that the consumer needs home health care, then the plan may need that document to start the home health process. Each plan is different. You need to call you plans customer care number to find out exactly what it covers. 
Otherwise a Home Health plan with Aetna or Long Term Care is something to consider.

Priscilla Ramos · Answer

Medicare home health care covers skilled nursing, therapy (PT/OT/ST), home health aides for medical needs, social services, and some medical equipment, but not full-time personal care or chores.

Mary Salmon · Answer

Medicare Part A and Part B have benefits for home health services. These can include skilled nursing and physical therapy. You will need to qualify and have a medical need for these services and be homebound. This does not include 24 hour home care.

Answered by Mary Salmon on May 12, 2025

Broker Licensed in TX & OK

Answered by Mary Salmon Medicare Insurance Agent

Zachary Whitaker · Answer

Medicare home health is for short-term or intermittent skilled care at home — not full-time caregiving or ongoing help with daily living.

Heather Borlenghi · Answer

That includes bathing, cooking, cleaning, restroom assistance. you have to get prior authorization from your doctor.

Fred Manas · Answer

Medicare covers certain home health services, including intermittent skilled nursing care, physical therapy, occupational therapy, speech-language pathology, medical social services, & home health aide care (when needed alongside skilled services). It also covers medical supplies, durable medical equipment, & injectable osteoporosis drugs for eligible women. 
Here's a more detailed breakdown: Skilled Nursing Care: This includes services provided by a licensed nurse, like wound care, teaching self-injection, managing & evaluating care plans, & monitoring unstable health conditions. It also includes IV therapy, nutrition therapy, & injections.  Therapy Services: Medicare covers physical, occupational, & speech-language pathology services when they're deemed medically necessary & ordered by a doctor.  These services can help improve mobility, daily living skills, & communication.  Medical Social Services: Medical social workers can help with things like managing care plans, accessing community resources, & providing emotional support.  Home Health Aide Care: This includes help with activities of daily living like bathing, dressing, & feeding, but only if it's provided alongside skilled nursing care, physical therapy, occupational therapy, or speech-language pathology services.  Other Covered Items: Medical Supplies:  This includes items like wound dressings, catheters, & other supplies needed for treatment at home.  Durable Medical Equipment (DME):  Medicare covers things like wheelchairs, walkers, & oxygen equipment that are medically necessary for use in the home.  Injectable Osteoporosis Drugs:  Women who meet certain criteria may be eligible for coverage of injectable osteoporosis drugs.  Important Considerations:  To qualify for Medicare home health benefits, you generally need to be homebound & have a doctor's order.  Medicare covers services that are medically necessary & part of a plan of care developed by a doctor or other healthcare professional.

Vachik Chakhbazian · Answer

can cover a range of home health care services, including skilled nursing care, therapy, and medical supplies. Skilled Nursing Care,  Therapy,  home health aides, social services, telehealth,.

Gary Henderson · Answer

Home health care includes getting a medical professional to help you with medical needs that is part of the Medicare supplement plans 
If you have Medicare advantage plan that might be different 
But basically you could have someone come into your home and help you with your medical needs 365 days a year and that would be cover under your Medicare part b and your Medicare supplement plan at no cost after you paid your annual deductible which this year is $257 
If you'd like to discuss this in more detail, you can contact me.

Andrew Kramer · Answer

Yes, Medicare and also Advantage plans, cover limited Home Health Care. Because remember, Medicare does NOT cover LTC (Long Term Care). Home Health Care will require an authorization from a Dr, and it's limited, exactly how much is not stipulated in writing. Except some Advantage plans do stipulate, for example, the Human Gold+ H1036-062, 80 hrs/yr, with a minimum of 4 hrs/visit. And typically there needs to be a qualifying event to trigger Home Health Care, i.e. an illness or injury.

Answered by Andrew Kramer on October 22, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Marcie Barnes · Answer

Home Health is usually on a short-term basis. For example: You had surgery that required a hospital stay and possibly some time in rehab. When you are discharged to home, your doctor can order a home health professional to come see you so many hours per week until recovered.

Answered by Marcie Barnes on April 13, 2025

Agent Licensed in TX, AK, AL & 48 other states

Answered by Marcie Barnes Medicare Insurance Agent

Jeffrey Sodikoff · Answer

Of course the care must be medically necessary. Then its only partime or intermitent care and you must be homebound. It is NOT the same home health care that you would receive with a Long Term Care policy. Those policies specifically help you with the activites of daily living ( ADL'S ). that would include bathing, dressing, eating, etc.

Basically, Medicare covers you if you are hospitilized and in need of a follow up care for a few hours to change your dressings, bandages, wound care, etc, and then  then you would need to receive services from a Medicare certified home Health Care agency. Physical, Occupational and Speech therapy would happen if you are under the care of a doctor who certifies that you need the therapy to recover.

Adam Morillo · Answer

Yes, Medicare covers home health care if you're homebound and under a doctor’s care. This can include part-time skilled nursing, physical, occupational, or speech therapy, home health aide services (only if skilled care is also provided), and certain medical supplies or equipment. However, it does not cover 24/7 care, meal delivery, or help with chores if that’s the only assistance needed. Talk to a licensed agent to review your full range of options

Answered by Adam Morillo on August 5, 2025

Broker Licensed in FL, AK, AL & 48 other states

Answered by Adam Morillo Medicare Insurance Agent

Bud Griffin · Answer

Medicare Part A and/or Part B covers a wide range of health care services that you can get in your home for an illness or injury as long as you need part-time or intermittent skilled services and you’re “homebound,” which means: 1. You have trouble leaving your home without help (like using a cane, wheelchair, walker, or crutches; special transportation; or help from another person) because of an illness or injury. 2 Leaving your home isn’t recommended because of your condition. 3. You’re normally unable to leave your home because it’s a major effort. A health care provider (like a nurse practitioner) must assess you face-to-face before certifying that you need home health services. A health care provider must order your care, and a Medicare-certified home health agency must provide it. In most cases, "part-time or intermittent" means you may be able to get skilled nursing care and home health aide services up to 8 hours a day (combined), for a maximum of 28 hours per week. You may be able to get more frequent care for a short time (less than 8 hours each day and no more than 35 hours each week) if your provider determines it's necessary. You won't qualify for the home health benefit if you need more than part-time or "intermittent" skilled care.

Answered by Bud Griffin on June 23, 2025

Broker Licensed in TX

Answered by Bud Griffin Medicare Insurance Agent

Leisha Stevens · Answer

Medicare's home health care coverage primarily includes skilled nursing care, therapies (physical, occupational, speech), and medical social services, provided in a part-time or intermittent basis. It also covers certain medical supplies, durable medical equipment, and home health aide services (only if you're also receiving skilled nursing or therapy).

Answered by Leisha Stevens on April 21, 2025

Broker Licensed in OH, CA, FL & NC

Answered by Leisha Stevens Medicare Insurance Agent

Daniel Underwood · Answer

Medicare covers home health care like skilled nursing visits, physical therapy, and help from a home health aide if your doctor says you need it. These services are usually for people who can’t easily leave their home and need care to recover or manage a health condition.

Answered by Daniel Underwood on August 8, 2025

Broker Licensed in LA

Answered by Daniel Underwood Medicare Insurance Agent

Theodore Carpenter · Answer

Medically necessary part-time or intermittent skilled nursing care, like:
Wound care for pressure sores or a surgical wound
Patient and caregiver education
Intravenous or nutrition therapy
Injections
Monitoring serious illness and unstable health status
Physical therapy, occupational therapy, and speech-language pathology services (if you meet certain conditions)
Medical social services
Part-time or intermittent home health aide care (only if you’re also getting skilled nursing care, physical therapy, speech-language pathology services, or occupational therapy at the same time), like:
Help with walking
Bathing or grooming
Changing bed linens
Feeding
Injectable osteoporosis drugs for women who meet certain criteria
Durable medical equipment
Medical supplies for use at home

Daniel Matar · Answer

Under certain criteria, Skilled nursing care, physical therapy, occupational therapy and speech therapy.

Martha Lopez-Elkind · Answer

When ordered by a doctor and provided by a certified agency, Medicare covers skilled home health services like nursing, physical, occupational, and speech therapy, plus medical social services, supplies, and durable medical equipment(DME). As well as personal care that's needed to maintain your health if you need skilled nursing or therapy services. Not covered services, are: Live-in caregivers or 24/7 care, homemaker services, custodial care which is personal care that helps with daily living activities, such as bathing or dressing, if it's the only care you require.

Answered by Martha Lopez-Elkind on September 29, 2025

Agent Licensed in NV

Answered by Martha Lopez-Elkind Medicare Insurance Agent

Mila Grayevsky · Answer

Included in Medicare advantage plans are usually home health visits. It is not what most people mean by home health care.

Korina Medrano · Answer

If deemed homebound by a medical professional, Medicare would cover intermittent or part-time skilled nursing, skilled therapy services, home health aide, durable medical equipent (walkers, wheelchairs, etc.) counseling and medical supplies (wound care). This would be under a medical professional's directive and the facility offering these services would have to be approved by Medicare.

Answered by Korina Medrano on September 15, 2025

Broker Licensed in TX, FL & MD

Answered by Korina Medrano Medicare Insurance Agent

Annette Newman · Answer

Your Medicare Part A covers medical needs like skilled nursing or physical therapy for homebound patients.

Home Health Aides: Medicare only pays for a home health aide (to help with bathing or dressing) if you are also receiving skilled nursing or therapy.

Medical Social Services: Counseling to help with social or emotional concerns related to your illness.

Medical Supplies: Items like catheters or wound dressings provided by the home health agency. Durable medical equipment (like wheelchairs, walkers, hospital
beds, and other equipment)

Michelle Setchell · Answer

Medicare covers home health care for eligible beneficiaries under specific conditions. It typically includes:

- Part-Time or Intermittent Skilled Nursing Care: Services like wound care, injections, or monitoring of serious conditions, provided by a registered nurse or licensed practical nurse.
- Physical Therapy: To help regain movement or strength after an injury or illness.
- Occupational Therapy: To assist with daily activities like dressing or eating.
- Speech-Language Pathology Services: For issues with speech, swallowing, or communication.
- Medical Social Services: Counseling or help with social resources, like finding community support.
- Home Health Aide Services: Limited assistance with personal care (e.g., bathing, dressing), but only if you’re also receiving skilled nursing or therapy.

To qualify, you must meet the following conditions:
1) You must be homebound (unable to leave home without significant effort or assistance)
2) Services must be ordered by a doctor as part of a care plan.
3) The home health agency must be Medicare-certified.
Note: Coverage is under Medicare Part A or Part B, with no cost for services, but a 20% coinsurance may apply for durable medical equipment (e.g., wheelchairs).

Exclusions: Medicare doesn’t cover 24/7 in-home care, homemaker services (like cleaning or cooking) if that’s the only care needed, or meals delivered to your home. For specifics, check with your doctor or Medicare agent or broker, as coverage will depend on your situation.

Ed Gonzales · Answer

Both Medicare Part A and Part B can cover home health care, depending on the reason for needing the services. Part A covers home health care after a hospital stay or skilled nursing facility stay, while Part B covers home health care for medical needs outside of those situations. This is general information that I can legally give you. I can not go over any specific details or plans without you granting me written permission to contact you directly.

Answered by Ed Gonzales on May 21, 2025

Agent Licensed in TX

Answered by Ed Gonzales Medicare Insurance Agent

Ameen Abdulkareem · Answer

Some of the coverage include: Physical Therapy, Speech and language therapy, Skill Nursing Care and sometimes social services. It focus on short term care to help the patient get back on their feet.

Answered by Ameen Abdulkareem on April 9, 2025

Agent Licensed in CT, MI, NC, NY & VA

Answered by Ameen Abdulkareem Medicare Insurance Agent

Heidi Broberg · Answer

1. It generally includes skilled nursing care, like administering medications or wound care, and home health aide services for help with personal care like bathing and dressing. 

2  Medicare also covers physical therapy, occupational therapy, and speech-language pathology to help you regain or maintain your abilities. 

Keep in mind that to qualify, a doctor must certify that you need these services..

I've heard Medicare covers home health care, but what exactly does that include?

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