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Medicare generally covers home health care services, including home health aides and certain therapies. To qualify for coverage, though, you'll have to meet certain requirements. And for some services, you'll be responsible for part of the cost.
Eligible services covered through Original Medicare — which comprises and — include:
These services are also covered by plans, which are offered by private insurers that contract with the federal government, though additional network restrictions may apply.
The following services generally aren't covered:
Read more about the different parts of Medicare and what they cover.
Original Medicare covers eligible home health care services at no cost to you if you meet certain requirements. But for other services, you'll have to share the costs:
In both cases, your Part B deductible also applies if you haven't yet met it.
A larger portion of that coinsurance may be covered if you have a policy, which provides supplemental coverage to Original Medicare. With a Medicare Advantage plan, additional restrictions and costs may apply.
Home health services costs can vary dramatically depending on where you live. The national average cost of hiring a health aide was $20.50 per hour in 2016, the most recent data available, according to the U.S. Department of Health and Human Services.
To be eligible for home health services under Original Medicare, you need to meet certain conditions:
The home health agency you're working with should tell you how much will be covered by Medicare before you start receiving services.
If you're when you turn 65, you can enroll for it in the seven-month period starting three months before your 65th birthday. This is called the initial enrollment period.
For those already receiving Social Security or Railroad Retirement Board benefits, enrollment in Medicare Parts A and B is automatic on the first day of the month you turn 65.
Outside of the initial enrollment period, you can also sign up or change plans during certain designated