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Home Health Care: What Is It and What Does It Do?

Published by Robert J Stillwell on June 19, 2019


Many people would prefer to recuperate in their own home after an injury or illness where they are more comfortable. Home health care makes that an option.

What Is Home Health Care?

Home health care will provide assistance if you are cognitively impaired or need help with your activities of daily living, such as bathing, continence, dressing, eating, toileting and transferring.

A home health care policy is designed to pay the benefits directly to you to help offset the costs of home care services. Home health care policy provides you some peace of mind that if something does happen that you or your loved one will be taken care of and they will be able to recuperate in the comfort of their own home.

How Much Does Home Health Care Cost?

Home health care policies are very affordable. The Mutual of Omaha’s cost of care study revealed the national hourly wage for a home health aide is $25.75, a LPN is $65.74, and a RN is $83.40. Who is going to take care of you if something happens?

Is Home Health Care Covered by Medicare?

One common misconception is that Medicare will pay for your home health care services, when in fact, Medicare pays a very small percentage of home health care services. Medicare only pays for skilled care; however, most care provided is custodial care.

We understand that children and family are also there to help but they have their own jobs and responsibilities and may not be able to be there for you all the time. A home health care policy is a perfect solution to help families be part of the care but when or if they can’t be there at certain times, there’s additional assistance available. This helps reduce pressure for all involved in an already stressful situation.

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