There are two types of home health care: personal care and private duty nursing. Personal care is not doctor-prescribed and can be provided on a daily or hourly basis. Private duty nursing requires a doctor’s prescription and is typically provided in shifts. Home health care is generally delivered through hourly visits and is provided for a short period of time until the patient’s goals are met. Home healthcare also includes physical therapy and nursing services.

Both types of home healthcare services can be covered by Medicare and private insurance plans. Most Medicare plans also cover home health when a doctor prescribes it. Medicaid covers both types of care for low-income seniors, and amounts vary by state. Although most people pay for home care privately, long-term care insurance plans can cover services in your home if you are eligible for them. The main differences between private pay and Medicaid coverage are the specific details of your coverage. read more