Home health care
Stay home. Stay independent.
For many seniors, staying in their own home is the greatest priority. Pearl helps you understand the insurance options that can make professional in-home care possible — so you or your loved one can age with dignity and comfort.
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Professional care, in the comfort of home.
What is home health care coverage?
Home health care covers a range of professional services delivered in the home — from skilled nursing and physical therapy to personal care assistance and companionship. The right insurance coverage can make these services affordable and accessible.
Pearl works with clients to identify which of their existing Medicare, supplement, or long-term care policies cover home health services — and where gaps may exist that could leave them exposed to significant out-of-pocket costs.
Services typically covered
Skilled nursing care
Registered nurses providing wound care, medication management, injections, and health monitoring in the comfort of your home.
Physical & occupational therapy
Rehabilitation services to restore mobility, strength, and independence following illness, injury, or surgery.
Personal care assistance
Help with daily activities such as bathing, dressing, grooming, and meal preparation from trained home health aides.
Companion & respite care
Social engagement and relief for family caregivers — ensuring your loved one is never alone and family members can rest.
How insurance can help
Multiple types of insurance can contribute to home health care costs. Here's how each one typically applies.
Medicare Part A & B
Original Medicare covers some home health services when ordered by a doctor and provided by a Medicare-certified agency. Conditions and limits apply.
Medicare Supplement plans
Medigap plans can help cover Medicare's cost-sharing for approved home health services, reducing your out-of-pocket exposure.
Long-term care insurance
A dedicated long-term care policy often provides the broadest home care coverage — including custodial and personal care not covered by Medicare.
Medicare Advantage plans
Many Medicare Advantage plans include supplemental home care benefits beyond Original Medicare. Coverage varies by plan and carrier.
Let's review your coverage together
Pearl can help you understand what your current policies cover for home health care — and identify any gaps before you need care.
Home health care coverage varies by policy, carrier, and state. Medicare home health benefits are subject to eligibility requirements and physician orders. Pearl Moffett is a licensed independent insurance broker. This page is for informational purposes only and does not constitute a binding offer of coverage.