Medical was enacted to extend the Social Security Act in 1965, in addition to improving the public support programs of the state, provided a hospital insurance program with complementary medical benefits and extended medical assistance for the elderly, survivors and disabled. Gaya. The insurance program is for those who have reached the age of 65 years or have special disability and are in the final stages of kidney disease. Today, old Americans rely on this to pay almost half of all their medical costs. An important provision in Medicare coverage is health care of the home. The purpose of this provision is to allow senior citizens to remain as independent as possible for as long as possible. One study indicated that 90% of the older Americans would like to stay in their home for as long as possible. Home treatment has been found to be less expensive, convenient and often successful in the form of nursing home or hospital care. With the high financial costs of medical care, it is important to know how Medicare is billed for home health services.
Determining Eligibility for Home Health Care
Discuss your options with your doctor. Before you can be approved for home health care coverage, your doctor will have to decide that you need to take care of the home, so that the care plan is prepared. If your doctor does not determine that home care is necessary for you, Medicare will not pay for it.
Your care plan should include at least 4 different services from nursing care, physical therapy, speech therapy or occupational therapy.
Determine that you only need intermittent care with the planned service. Intermittent care means that you need to take care of once in every 60 days once every three weeks. If you need less or more care than this, you can not qualify for this coverage.
Skilled services include bedding or surgical wounds, intravenous or nutritional care, injection, monitoring of unstable health and wound care for patient / care-oriented education.
In some cases, you may get approval for coverage if you need daily care for more than three weeks. But the extra time must be explicitly established by predictable definition for a finite period.
Determine whether you are homebound. To get coverage from Medicare for Home Health Services, you should consider homebound. Being a “homebound” means that you need help from someone else or some type of medical device (such as wheelchairs, walkers, or crutch) to leave your home, or if you think your doctor will be from your home If you get out, your health can get worse.
Your doctor should certify that you are hombound by signing a home health certificate on your behalf.
Choose a Home Health Care Agency supported by Medicare. To qualify for home health care coverage, you must be approved by the Medicare servicing the Home Health Agency. Ensure that you verify this before starting your services with any care as you do not want to interfere with the entire bill unexpectedly because Medicare has not covered the facility.
Billing Medicare for Home Health Care
Submit your claim to the Home Health Agency Medicare for payment. With most other types of medical insurance, the payment for the services provided should be directly submitted to the Medicare by the Home Health Agency.
Understand the bill / fee. You should get an item list of all services being billed for Medicare. Make sure you read it well and check it for any possible mistakes. Although it is true that the home health agency should ensure that all fees and bills are correct before the time, mistakes are sometimes occurring and it is your responsibility to ensure that everything is right with your billing account.
Make a payment for the balance. Since Medicare pays for a percentage of some services and does not cover other services at all, it is possible that you will receive any bill in mail for which you pay out-of-pocket. Look for a bill in the mail and pay any outstanding amount as soon as you are able.
Failure to pay your share may result in disruption of your Medicare services in the future.
Understanding the Types of Medicare Coverage
Understand the types of Medicare coverage. Medicare has four parts, although parts C and D are optional and run through private insurance companies. Most people receive Medicare Part A when they reach the age of 65.
Provided you have paid while working in the system, no premium is required for Part A coverage, including coverage for hospitalization; Some skilled nursing facilities, which are not custody or long term; Hospice; And health care in which some home health care is involved.
Medicare Part B is optional and requires a premium. It focuses on doctor’s services, outpatient care, medical and some home health care.
Medicare Part C, known as Medicare Advantage, allows individuals to purchase voluntary schemes run by private insurers, which provide additional coverage that includes the benefits of Medicare Part A and Part B. However, there is a limitation in plans where and how the members take care of. . It is also possible that your doctor is not in the network of plans that can complicate your home health services or increase your costs.
Medicare Part D also includes the option of buying private insurance, which in this case partly covers the cost of prescription medication.
Know what the expenses covered for Medicare are. In addition to the above services, Medicare will pay for some medical social services, which evaluate social and emotional needs and provide up to 80% of essential counseling, medical supplies, and approved medical devices.
Coverage for home care services will continue until they are considered as medically appropriate and necessary.
Understand what Medicare will not cover. There are some things that are often included as part of general home health care services that Medicare will not cover. It is important for you to know what these services are so that you can realize that if you select some of these services then you will get out of your pocket. Some services not covered by Medicare include:
Full-time Nursing Care
Food was transported to your home
Administered on Drugs and Organic Homes
Personal care from a home health partner if this is the only kind of care you need
Take home health care associates. If skilled services are needed, then cover the entire cost of the Medicare home health partner. Skilled services include physical, speech or occupational therapist; wound care; And other services may require 24 hours of monitoring or care.
Your home health partner will help you use personal care services such as toilets, baths and dressing. However, if you only need personal care service, Medicare will not cover the costs. You will also need skilled services.