Plans through work, Individual & Family Plans, Medicare Plans, Medicaid Plans, Dental Plans, and Student Health Plans.

Medicare is a national health insurance program in the United States, begun in 1966 under the Social Security Administration and now administered by the Centers for Medicare and Medicaid Services. It primarily provides health insurance for Americans aged 65 and older, but also for some younger people with disability status as determined by the Social Security Administration, as well as people with end stage renal disease and amyotrophic lateral sclerosis.

Medicaid in the United States is a federal and state program that helps with medical costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, including nursing home care and personal care services. The Health Insurance Association of America describes Medicaid as “a government insurance program for persons of all ages whose income and resources are insufficient to pay for health care.” Medicaid is the largest source of funding for medical and health-related services for people with low income in the United States, providing free health insurance to 74 million low-income and disabled people as of 2017. It is a means-tested program that is jointly funded by the state and federal governments and managed by the states, with each state currently having broad leeway to determine who is eligible for its implementation of the program. As of 2017, the total annual cost of Medicaid was just over $600 billion, of which the federal government contributed $375 billion and states an additional $230 billion. States are not required to participate in the program, although all have since 1982. Medicaid recipients must be U.S. citizens or qualified non-citizens, and may include low-income adults, their children, and people with certain disabilities. Poverty alone does not necessarily qualify someone for Medicaid.

“Private Pay” is the term used to identify those patients whose costs are NOT covered by a government program, such as Medicare or Medicaid.  Private pay can mean a person is paying for services themselves (private pay), or it can mean that a patient has commercial insurance and is having to cover some of the costs themselves (out-of-pocket). The costs for home health care vary significantly depending on the type of insurance you have. Your benefits will be verified prior to a home health admission and details of charges will be provided to you, in writing. Be sure to understand what your “out-of-pocket” costs might be by consulting your insurance company prior to admission.