What Medicare Covers (and What It Doesn’t) in Home Care
Navigating healthcare costs can be confusing — especially when it comes to at-home nursing. One of the most common questions we hear at Professional Elite Care (PEC) is: “Will Medicare cover my care?”
Let’s break it down.
What Medicare Covers
Medicare Part A and/or Part B often covers skilled nursing care at home, but only if specific conditions are met. Generally, coverage includes:
Skilled nursing visits (such as wound care, catheter management, or injections)
Therapies like physical, speech, or occupational therapy when medically necessary
Medical social services if ordered by your doctor
Intermittent care (not 24/7 care, but scheduled visits based on need)
If your doctor certifies that you need skilled nursing care and you’re homebound, Medicare may cover these services fully or partially.
What Medicare Doesn’t Cover
It’s just as important to know what Medicare doesn’t include. Services not typically covered are:
24-hour care at home
Homemaker services (like cooking, cleaning, or laundry) unless tied directly to medical needs
Personal care (bathing, dressing, routine help) when it’s the only type of care needed
Private pay services such as additional wellness visits outside Medicare’s scope
That’s where PEC offers flexible private pay options — so patients can still receive the consistent, high-quality care they need without unnecessary stress.
Why It Matters
Understanding what’s covered helps you avoid unexpected bills and ensures you get the right care plan from the start. At PEC, we guide you through this process, helping you confirm eligibility, maximize your coverage, and explore private pay where necessary.
