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Accepted insurance

  • Our Accepted Insurances

This is Everyday Home care accepted insurances, find below the list of all insurances and their descriptions. Contact us if you have any question to ask, we are always ready to answer your question.

Accepted insurances

☛ Medicare ☛ Medicaid ☛ Waiver Programs ☛ Long Term and some private insurances accepted.

Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance)

How often is it covered? Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) covers eligible home health services like intermittent skilled nursing care, physical therapy, speech-language pathology services, continued occupational services, and more. Usually, a home health care agency coordinates the services your doctor orders for you. Medicare doesn't pay for: ♦ 24-hour-a-day care at home ♦ Meals delivered to your home ♦ Homemaker services ♦ Personal care Who's eligible? All people with Part A and/or Part B who meet all of these conditions are covered: You must be under the care of a doctor, and you must be getting services under a plan of care established and reviewed regularly by a doctor. You must need, and a doctor must certify that you need, one or more of these:The home health agency caring for you must be Medicare-certified. Intermittent skilled nursing care (other than just drawing blood) Physical therapy, speech-language pathology, or continued occupational therapy services. These services are covered only when the services are specific, safe and an effective treatment for your condition. The amount, frequency and time period of the services needs to be reasonable, and they need to be complex or only qualified therapists can do them safely and effectively. To be eligible, either: 1) your condition must be expected to improve in a reasonable and generally-predictable period of time, or 2) you need a skilled therapist to safely and effectively make a maintenance program for your condition, or 3) you need a skilled therapist to safely and effectively do maintenance therapy for your condition. Your must be homebound, and a doctor must certify that you're homebound. You're not eligible for the home health benefit if you need more than part-time or "intermittent" skilled nursing care. You may leave home for medical treatment or short, infrequent absences for non-medical reasons, like attending religious services. You can still get home health care if you attend adult day care. Note: Home health services may also include medical social services, part-time or intermittent home health aide services, medical supplies for use at home, durable medical equipment, or injectable osteoporosis drugs. Your costs in Original Medicare $0 for home health care services. 20% of the Medicare-approved amount for durable medical equipment. Before you start getting your home health care, the home health agency should tell you how much Medicare will pay. The agency should also tell you if any items or services they give you aren't covered by Medicare, and how much you'll have to pay for them. This should be explained by both talking with you and in writing. The home health agency should give you a notice called the "Home Health Advance Beneficiary Notice" (HHABN) before giving you services and supplies that Medicare doesn't cover.

About Medicaid

Medicaid is a joint federal and state program that helps with medical costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, like nursing home care and Home Care/personal care services. How to apply for Medicaid Each state has different rules about eligibility and applying for Medicaid. Call your state Medicaid program to see if you qualify and learn how to apply.

Waiver Programs

Everyday Home Care is licensed in several different Government funded waivers that help pay for care: OLTL, Aging, ODP, and Veteran Waivers and more to come. We can also assist you to the resources needed to apply for these waivers. Feel free to call our office for more information. Waiver Information Waivers offer an array of a variety of services and benefits such as choice of qualified providers, due process, and health and safety assurances. The name waiver comes from the fact that(delete) simply means the federal government "waives" Medical Assistance/Medicaid rules the cost for individuals for institutional care in order for Pennsylvania to use the same funds to provide supports and services for people closer to home in their own communities. In Pennsylvania, the Department of Human Services administers(delete) has multiple Medical Assistance/Medicaid waivers. Each waiver has its own unique set of eligibility requirements and services ☞ Aging Waiver ☞ Attendant Care Waiver ☞ COMMCARE Waiver ☞ Independence Waiver ☞ OBRA Waiver ☞ Adult Autism Waiver

About Long-term Care Insurance

What is Long-term Care Insurance? Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. The cost of your long-term care policy is based on: ☛ How old you are when you buy the policy ☛ The maximum amount that a policy will pay per day ☛ The maximum number of days (years) that a policy will pay ☛ The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay. Any optional benefits you choose, such as benefits that increase with inflation If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting. Good To Know Many long-term care insurance policies have limits on how long or how much they will pay. Some policies will pay the costs of your long-term care for two to five years, while other insurance companies offer policies that will pay your long-term care costs for as long as you live—no matter how much it costs. But there are very few that have no such limits.