If you or a loved one need non-medical home health care to continue living independently and enjoying a high quality of life, you may be wondering whether your care qualifies for Medicare coverage. Medicare Advantage plans can vary in their eligibility requirements, and your insurer may or may not provide supplemental benefits. Here are a few facts to keep in mind.

Certain Situations May Qualify

In 2019, the Centers for Medicare and Medicaid Services stated that insurers may choose to add non-skilled home care services to traditional Medicare benefits. These supplemental benefits may be covered in certain cases, including:

  • Avoiding potential trips to the emergency room;
  • Aiding with physical disabilities or impairments;
  • Reducing the toll of certain health conditions.

If any of the above scenarios apply to you, you may be able to qualify for supplemental Medicare Advantage benefits.

Non-Skilled Care Helps Daily Activities

As opposed to medical services, non-skilled care typically encompasses daily activities such as:

  • Helping you get dressed and bathe
  • Making sure you eat and take medication
  • Driving you to appointments

If you need medical in-home care, you may not qualify under this rule.

When you need home health care to keep up with daily tasks and enjoy life from the comfort of your own home, check with your insurer about your benefits. In some cases, you may be eligible for Medicare coverage to help make your healthcare more affordable.