Does Health Insurance Cover Private Home Care?


Quick Answer

Most health insurance plans cover home health care when certain medical criteria are met, according to the U.S. Department of Health and Human Services. However, coverage for home care is often limited to skilled care and does not include personal care services.

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Full Answer

Home health benefits are included in most health plans when the patient requires skilled care that must be provided by a registered nurse, such as checking vital signs and coordinating with doctors and other medical professionals to provide care, according to the American Association for Long-Term Care Insurance. Personal care services, such as assistance with meals and bathing, is a level of care most often not covered by standard health insurance.

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