💳 Insurance & Billing

Insurance Coverage & Billing Information

We work with most major insurance plans to make quality home healthcare accessible and affordable. Our billing specialists handle all insurance paperwork so you can focus on your health and recovery.

Accepted Insurance Plans

We are credentialed with major insurance providers to ensure you receive the coverage you deserve for essential home healthcare services.

Medicare
Medicare Parts A, B, and C (Medicare Advantage)

Coverage:

Covers skilled nursing, therapy services, and medical social work

Requirements:

Physician order, homebound status, skilled care need

Medi-Cal
California's Medicaid program

Coverage:

Comprehensive home health services and personal care

Requirements:

Prior authorization, eligibility verification

Kaiser Permanente
HMO and PPO plans

Coverage:

Full range of home health services with referral

Requirements:

Referral from Kaiser physician required

Blue Cross Blue Shield
Individual and group plans

Coverage:

Skilled nursing, therapy, and aide services

Requirements:

Pre-authorization for some services

Anthem
HMO, PPO, and Medicare Advantage

Coverage:

Home health services per plan benefits

Requirements:

Physician certification and plan verification

United Healthcare
Commercial and Medicare Advantage plans

Coverage:

Comprehensive home health coverage

Requirements:

Prior authorization and eligibility verification

Medicare Coverage for Home Health

Medicare covers home health services when you meet specific criteria. We handle all Medicare documentation and work directly with Medicare to ensure your services are covered.

Medicare Requirements:

Doctor certifies you need home health care
You are homebound (leaving home is difficult)
You need skilled nursing or therapy services
Services are part-time or intermittent
Learn More About Medicare Coverage
Medicare Covered Services
Services covered under Medicare when medically necessary
Skilled Nursing Care
Physical Therapy
Occupational Therapy
Speech-Language Pathology
Medical Social Work
Home Health Aide Services (when receiving skilled care)
Note: Medicare typically covers 100% of approved home health services. You pay nothing for covered services when Medicare requirements are met.

Private Pay Options

For services not covered by insurance or for additional care beyond insurance benefits, we offer competitive private pay rates.

Private Pay Service Rates
Transparent pricing for self-pay patients and additional services
ServiceRateDuration
Skilled Nursing Visit$150-200 per visit45-60 minutes
Physical Therapy$120-150 per visit45-60 minutes
Occupational Therapy$120-150 per visit45-60 minutes
Speech Therapy$120-150 per visit45-60 minutes
Home Health Aide$35-45 per hour2-8 hour shifts
Medical Social Worker$100-125 per visit45-60 minutes

Payment Options

• Cash or Check
• Credit/Debit Cards
• Payment Plans Available
• Flexible Scheduling

Discounts Available

• 5% discount for prepaid services (1 month)
• 10% discount for prepaid services (3+ months)
• Senior citizen discounts available
• Veterans discounts honored

Our Billing Process

We handle all insurance billing and work to minimize your out-of-pocket costs while ensuring you receive the care you need.

1
Insurance Verification
We verify your benefits and obtain necessary authorizations before services begin.
2
Service Delivery
Our team provides care and documents all services according to insurance requirements.
3
Insurance Billing
We submit claims directly to your insurance company with all required documentation.
4
Payment Follow-up
We handle claim follow-up and work with you on any remaining balance.

Insurance FAQs

Common questions about insurance coverage and billing for home health services.

Do I need a referral for home health services?

For Medicare and most insurance plans, you need a physician's order. We can help coordinate with your doctor to obtain the necessary referral.

What if my insurance doesn't cover all services?

We offer private pay options for additional services and work with you to create an affordable care plan that meets your needs.

How do I know if I'm eligible for Medicare coverage?

Our intake team will verify your Medicare benefits and eligibility. We'll let you know what services are covered before we begin care.

What are my out-of-pocket costs?

Costs vary by insurance plan. Medicare typically covers 100% of approved home health services. We'll explain your specific costs upfront.

Do you accept assignment from Medicare?

Yes, we accept assignment from Medicare, which means Medicare pays us directly and you're not responsible for covered services.

What if I have secondary insurance?

We'll bill your secondary insurance for any remaining balance after your primary insurance pays. This often reduces your out-of-pocket costs.

Questions About Your Coverage?

Our insurance specialists are here to help verify your benefits, explain your coverage, and ensure you get the care you need.

Free benefits verification
Payment plans available
No surprise billing