If you’re looking into home health services for yourself or a loved one, affordability is likely a top concern. At TRU Healthcare, we’ve worked hard to ensure that quality in-home care isn’t out of reach. We’re proud to accept medical coverage from various payer sources, including Medicare, Medicare Advantage Plans, Medicaid, Medicaid Managed Care Plans, private insurance, public programs, FFS (fee for service) insurance, Veterans Administration Insurance, county waivers, and private pay.
Insurance Plans We Accept
Here’s a detailed list of the insurance plans we accept at TRU Healthcare:
- Aetna Med Adv – Episodic
- Aetna Commercial – FFS
- BCBS Med Adv – Episodic
- BCBS MSHO (dual) – Episodic
- HealthPartners Med Adv – FFS
- HealthPartners MSHO (dual) – FFS
- Medica Med Adv – FFS
- Medicare (Straight)
- PrimeWest MSHO – Episodic
- UCare MSHO (dual) – Episodic
- VA – FFS
- IMCare MSHO (dual) – Episodic
- UCare Med Adv – Episodic
- BCBS Commercial – FFS
- Cigna Commercial – FFS
- HealthPartners Commercial – FFS
- Humana Med Adv – Episodic
- Medica MSHO (dual) – FFS
- Medica Commercial – FFS
- UCare SNBC (dual) – FFS
- UHC Commercial – FFS
- UHC Med Adv – Episodic
- UMR (thru UHC) – FFS
If you have questions about your insurance coverage, want to learn more about TRU Healthcare, or need help navigating the complexities of Medicare and Medicaid, our team is here to assist you.
Frequently Asked Questions (FAQs)
Will insurance cover home health care?
Yes, insurance typically covers a variety of home health care services, though the level of coverage depends on your specific plan. This can include skilled nursing care, physical therapy, occupational therapy, and other specialized services. At TRU Healthcare, we work with all major insurers to ensure our patients can access the care they need without unnecessary financial burdens.
What documents should I have on hand to help support arguments for coverage?
If you’re exploring insurance coverage for home health care, it’s helpful to have the following documents ready to assist in the process:
- A recent letter or referral from your primary care physician stating the medical need for in-home care.
- Copies of your insurance policy, including specific details about home health care benefits.
- Any recent medical records that outline health concerns or ongoing issues requiring care.
- A comprehensive listing of prescribed medications and current treatments.
Being prepared with these documents can streamline the process and help ensure you receive any necessary pre-approvals.
Does Medicare pay anything for in-home care?
Yes, Medicare does cover home health care services under certain circumstances. For example, Medicare may pay for skilled nursing care, therapy services, and health aide care if the patient is considered homebound, and a doctor certifies the need for in-home care. Keep in mind that Medicare will not cover 24-hour care, meal delivery, or custodial care that isn’t accompanied by medical need.
At TRU Healthcare, our staff is experienced in navigating Medicare rules and authorizations, ensuring you get the most out of your benefits.
What does home health care not include?
While home health care can provide a wide range of medical and therapy-based services, there are limits to what is covered. Non-medical services such as household chores, cooking, or personal care tasks like bathing or dressing are typically not covered unless these are part of a more extensive treatment plan certified by a physician. Similarly, transportation services or 24-hour, full-time in-home care are not included.
If you’re unsure whether your needs qualify as part of a home health care plan, TRU Healthcare can help clarify your options and recommend resources or supplemental care if needed.
How the TRU Healthcare Team Partners with Clients
Every member of the TRU Healthcare team is committed to partnering with you to ensure that your insurance coverage is maximized and your care plan is tailored specifically to your needs. We understand that navigating insurance can be overwhelming, and we’re here to guide you every step of the way. Trust in our compassionate and knowledgeable staff to provide transparent pricing, answer any questions, and advocate for your well-being.
Call TRU Healthcare Today for More Information
Don’t let concerns about insurance coverage hold you back from seeking the care you or a loved one deserves.. Whether you have questions about your insurance coverage or need help understanding the process, our team is here to support you. Call us at 888.689.3391 or reach out online to get started today.