Many people receive care at home for illnesses, recovery from surgery, disabilities, and other conditions. Home care comes in many different forms, depending on the situation. The choices can be confusing. This guide describes the types of home care, the roles of home care workers, the basics of insurance coverage and private payment for home care, and much more.
Home care, like much of health care, is changing rapidly. This guide is intended to provide basic information; your family member’s situation (care needs, insurance, location, etc.) will determine what services are available.
Once you read this guide, we encourage you to read its companion guide, Working with Home Health Aides.
There are, in general, two kinds of home care: “skilled” and “personal.” These terms come from government programs, like Medicare and Medicaid, and private insurance companies.
Skilled care is care provided by a nurse, physical therapist, occupational therapist, speech therapist, or social worker. Doctors order skilled services when they decide it is medically necessary. If your family member needs skilled care, he or she may also qualify for some personal care.
Personal care is provided by a home health aide, or by workers called home attendants, personal care attendants, or aides.
Companion and homemaker services, a third type, provide nonmedical care.
Many different people provide home care services.
Here are a few:
Nurses perform many important medical tasks. They change dressings and clean the wound for a patient who has just had surgery. They keep records of blood pressure and other vital signs, look for changes in the patient’s condition, and check the patient’s medications. They also develop a care plan.
Physical therapists (PTs) help a person get stronger. They show the person how to do some strength and flexibility exercises. The PT can help you decide if your family member needs special equipment, such as grab bars and guard rails. They can also arrange to have them installed.
Speech therapists work on language skills, like helping a person recovering from a stroke to speak clearly again.
Occupational therapists (OTs) help people re-learn skills like how to feed and dress themselves. They show a person who is weak or disabled how to get out of bed and move to a chair.
Social workers help you apply for benefits and offer advice about services like adult day care or respite (time off for the family caregiver). They can also talk to you about your worries and other problems.
Home health aides and personal care attendants primarily provide personal care, which includes assistance with eating, bathing, dressing, and walking, as well as activities associated with living at home, such as shopping, meal preparation, and doing laundry.
Home health aides are allowed to do only certain health-related or personal care tasks. They can take the patient’s temperature and check blood pressure. They can change a dry dressing (one that is not oozing blood or pus) and help the patient do range-of-motion exercises, such as simple stretches and moving arms and legs. They are not usually allowed to give a patient medicine; each state has different rules regarding what an aide can do.
Be aware that a home health aide is usually only in the home to provide services to the patient, and is not supposed to provide services for a spouse or for other members of the household. If you pay privately, you may assign tasks that include other members of the household. (Some managed care companies will include care for a child if the patient is the head of household.)
Personal care attendants share many of the same duties as home health aides. The differences between home health aides and personal care attendants depend on each state’s requirements for training.
Many people think that personal care does not require much skill. That is not the case. Some tasks can be very difficult, such as bathing a person with dementia or moving (transferring) a very heavy patient.
Homemakers can assist your family member with light housekeeping, laundry, grocery shopping and food preparation, and other household tasks that would enable your family member to remain at home. Homemakers do not generally provide personal care and are not maids. Heavier tasks and full household cleaning are not usually performed by a homemaker.
Read Working with Home Health Aides for additional guidance on how to work effectively with home health aides, personal care attendants, and homemakers.
There are different kinds of agencies.
A Home Health Agency (HHA) is licensed by the state and certified by Medicare and Medicaid to provide skilled care. These agencies also provide personal care either by their own home health aides or by aides that work for another agency with which they have a working arrangement, such as a home care agency.
A Home Care Agency provides home health aides, personal care attendants, or homemakers who provide personal care, transportation to appointments, and household tasks. Some home care agencies also provide nurses and other skilled staff. Home care agencies may be contracted to provide personal care through Medicaid for someone who needs care at home for a long period of time. Some states require home care agencies to be licensed if they participate in Medicaid.
A non-medical or companion agency is usually not licensed or covered under insurance (long-term care insurance may be an exception). Some workers may be trained home health aides, but it depends on the individual worker. Frequently, non-medical agencies are small, locally run businesses that are franchises of large companies with brand names.
Employment or registry agencies provide names of people available to provide home care. Your family member’s state may also maintain a registry. This can often be found through the state’s Department of Health.
Medicare, Medicaid, or private insurance will usually pay for skilled services provided by a nurse or therapist through a HHA when ordered by a doctor. Be aware that insurance will probably not pay for all the care your family member will need.
Medicare, which is a government program for people 65 and over and those under 65 who have a disability, may pay for home care services – but only for the period that your family member needs skilled services (usually weeks, not months). Medicare Advantage plans, which are provided through private insurance companies, may have different rules from “original” Medicare, and may have case managers who can assist you.
Medicare and most private insurance plans (including supplemental and “Medigap” plans), will pay for home care services if the patient meets the following conditions:
You may want or need certain home care services for your family member, but insurance may not cover some or all of them. There is also a shortage of trained workers, which may affect the number and type of services you are able to get. (For other rehabilitation options in facilities and from home, see the Next Step in Care guide Planning for Inpatient Rehabilitation (Rehab) Services).
Medicaid, which is a government insurance program for low-income people, may pay for skilled home care services if your family member qualifies. Each state has different types of Medicaid, and what Medicaid will pay for depends on your family member’s specific plan.
Medicare and most supplemental plans will not pay for personal care alone.
Medicaid may pay for personal care services. However, each state decides who is eligible and which services it will pay for. Each state has different types of Medicaid programs for people who need care at home for a long time (called Home and Community-Based Services). Some states have long-term care programs through Medicaid that provide case managers and other services to help organize care. These include a type of program, available in some states, called Medicaid Managed Long-Term Care. To find out more about Medicaid guidelines in your family member’s state, you can ask a social worker, contact the local Area Agency on Aging office, or contact the local or state Medicaid office.
Long-term care insurance is a privately paid insurance plan specifically covering long-term needs, such as personal care. Most long-term care policies cover a portion of institutional care, such as an assisted living residence or nursing home. Some also pay for services in the community, such as home care and adult day services. Care may be limited, based on the specific plan.
Local Area Agencies on Aging may have funding for personal care services and case management, depending on your family member’s circumstances.
Local Area Agencies on Aging or charitable organizations may offer homemaker services, possibly with a sliding scale or co-pay based on your family member’s financial situation. In some states, certain Medicaid programs may also pay for homemaker services.
Let’s say your family member is in a hospital and has Medicare or Medicaid, and the doctor says that your family member needs home care. The discharge planner (nurse or social worker) will probably refer you to home health agencies in your area. If your family member has private insurance, the discharge planner can refer you to agencies that the insurance company works with.
You do have a choice of agencies. The possible choices may depend on your family member’s insurance, care needs, or location. (One consideration: Can home care workers easily travel to your family member’s home?)
Whether you are paying privately or using insurance, you should ask these questions:
You can also go to the home health agencies database on the Medicare website and compare agencies. This will give you basic information about what services agencies provide and the number of patients who either improved or needed to go into the hospital. The site does not offer much help in learning about other things that will be important to you, like how reliable and friendly an agency’s aides might be when caring for patients.
The home care agency will schedule a first visit where a nurse will evaluate your family members’ condition and determine the type and amount of services that will be provided.
The home care agency will then ask your family member’s insurance company to authorize services. The insurance company may authorize all services requested, some or none, depending on the specific policy. If you disagree with the insurance company’s decision, you should ask about the appeal process.
If no insurance is involved (paying privately), then no authorization is needed.
Before accepting your family member’s case, the home care agency might ask you to sign an agreement. This agreement usually states that a “responsible person” (you or another adult who is able and willing) will be available:
If you refuse to sign this contract, the agency might refuse to take your family member’s case. But, if you cannot perform any of these duties, it is important that you let the person who is making the referral and the agency know. There may be other options.
Keep a record of when nurses, physical therapists, social workers, and other specialists are coming to the home. If at all possible, plan to be there at the same time, at least in the beginning. This gives you a chance to watch what they do, ask questions, and learn the tasks that you may be doing later on. Keep their phone numbers handy so you can call them to ask questions, report any changes, or discuss problems.
State programs: Some states have programs that help people pay for the caregiver of their choice, and in certain circumstances that can be a family member. These programs – called, variously, “consumer-directed,” “participant-directed,” “cash and counseling” or other titles – differ enormously depending on where you live. Most have income and other eligibility requirements that the care recipient must meet, and strict rules often apply as to who can be paid for the caregiving. For information about what’s available in your state, contact your local Medicaid or aging services department or go to the National Resource Center for Participant-Directed Services.
Veterans’ benefits: A law passed in 2010 provides a monthly stipend to primary caregivers of veterans injured in military conflict after 9/11/2001. Other benefits to caregivers include travel expenses, access to health care insurance, mental health services, and respite care of 30 days a year. For more information, call 1-877-222-VETS (8387). Caregivers of veterans of other wars may be eligible for the Veterans Administration’s Aid and Attendance Pension Benefit. In addition, some state programs are specially designated for veterans.
Long-term care insurance: If your family member has long-term care insurance, it may cover some home care. Some policies permit family members to be paid, although they may exclude people who live in the same household. Ask your family member’s insurance agent or contact the insurance company for an explanation of this benefit and its conditions.
Caregiver contracts: If none of these options apply to you, all is not lost, especially if the person you are caring for has some savings or other assets. For example, a parent may be willing to work out a caregiver contract and pay a son or daughter for the care he or she provides. Consult an elder care lawyer to make sure that the contract meets tax requirements, deals with inheritances and is approved by all other interested parties, such as siblings). (To find elder law attorneys in your family member’s area, go to NAELA.) Be mindful of the emotional pitfalls in this arrangement.
Other options: If you are facing financial hardship because of a caregiving situation, here are some other options to consider:
Remember, your financial and emotional health should remain a top priority so you can continue to provide the kind of care your loved one needs.
(Adapted from Carol Levine, Can I Get Paid as a Caregiver? at AARP.org, June 19, 2012.)
Home care can make a big difference in your life and in the life of your family member. Being a family caregiver does not mean that you have to give up everything and everyone else. But home care does take work on your part. You need to set up a good plan, make sure it is working, and then watch carefully to see when changes are needed.
©2014 United Hospital Fund