Demystifying Home Care Insurance: What You Need to Know

Demystifying Home Care Insurance

Health issues are rising with each passing day and so are homecare costs. Health insurance therefore becomes crucial. Managing in home care becomes challenging when medical bills rise. You may land in a financial crisis. That’s when you need homecare insurance that cover hospitalization and post-hospitalization costs.

In Home Care and Insurance Companies

Homecare services allow people to be treated for any ailment in their homes. Such health care services are meant for elderly people, those recovering from surgeries, or those who have chronic diseases. It helps avoid unnecessary hospitalization.

Insurance companies offer insurance plans that provide coverage for many ailments when people opt to be treated in their homes. We have broken down the nitty-gritty of the coverage that insurance companies offer.

The Home Health Care Services Treatments Covered

Let’s look into some of the more common treatments that insurance companies provide coverage for when patients opt for in home care.

  • Respiratory tract infection
  • Fever management
  • Bronchopneumonia
  • Chronic Obstructive Pulmonary Disease (COPD) management
  • Gastroenteritis
  • Hepatitis
  • Pancreatitis

In Home Care Services That Insurance Companies Offer

Here are the health care services offered by the insurance companies.

  • OPD Treatments: These are medical procedures that are minor, but nevertheless, expensive. OPD homecare services like regular consultations, physiotherapy, and check-ups are covered by some insurance companies.
  • Daycare Treatment: Such treatment needs no hospitalization and home health care services are effective enough in tackling them. Such treatments like cataract treatment and chemotherapy can be done at home, but are expensive.
  • Domiciliary Hospitalization: Policyholders are treated in their homes itself in case rooms or medical facilities aren’t available or the patient is not in a state to visit a hospital.
  • Pre and Post-Hospitalization: Home health care services also provide coverage for pre and post hospitalization expenses. The pre and post-hospitalization periods of coverage may vary between insurers.

What Is Excluded from Home Health Care Services?

Home health care services offer no coverage for any treatment the patient undergoes that’s not linked to the treatment the patient has been hospitalized for. Any medical procedure that isn’t prescribed isn’t covered either. Home health care services provide no coverage for treatments like acupressure, acupuncture, naturopathy, etc.

Factors You Need to Consider Before Taking Home Health Care Services

As a policyholder, you need to take into account certain factors before choosing homecare services.

  • Consult your insurance provider before you opt for home health care services
  • Make sure to check what the policy excludes
  • Check if the policy covers the treatment you seek

You should opt for home health care insurance for child treatment, senior citizens’ treatment, and domiciliary medical procedures. It gives you the option of getting quality in home care. Make sure that you carry out enough research before picking the best health insurance plan for your homecare needs.

We at Nurtured Home Care understand the financial challenges involved in arranging in home care. We realize the importance of acquiring insurance to cover for the costs of providing health care services to your loved ones in the comfort of your home. We hope we have been of help in clarifying things for you.

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