Medicare is the U.S. government’s health insurance program for people 65 and over. Home health care services are 100 percent covered by Medicare when qualifying conditions are met.

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Depending on your policy and coverage, your major medical insurance provider (such as Aetna, Blue Cross Blue Shield, Humana, and others) may pay for some or all of your home care services.

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If you need home care because of something that happened on the job, your employer’s Workers’ Compensation benefits may cover some or all of your home care service costs.

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If you are a U.S. Veteran, you may be eligible to have the government pay for medical treatment, personal care, and assistance at home.

Medicaid is a state government program that provides health insurance and medical assistance to people who meet income eligibility requirements. If you have Medicaid, we can help you understand for which services you may be eligible.

If you have long-term care insurance, your policy may cover certain nursing and personal care/assistive care services that are not covered by Medicare or traditional insurance.