Under some circumstances, Original Medicare (Parts A & B) will pay for home healthcare, but you need to meet strict eligibility requirements. If you’re eligible, part-time nursing care and physical therapy are completely covered, and medical equipment (up to 80%) may be covered as well.
How do you qualify? A doctor must certify that you have difficulty leaving your home because of an illness or injury and you need skilled nursing care, physical or occupational therapy, or speech pathology.
In addition, the home healthy agency caring for you must be a Medicare-certified provider.
Even if you qualify, there are strict limits on what Original Medicare will cover. Among the things that are not covered: 24-hour care; meals delivered to your home; personal care, such as help with bathing and dressing, if this is the only care you need; and homemaker services, such shopping and cleaning. In addition, the care and services you receive must be for fewer than eight hours a day, or 28 hours a week (up to 35 hours, in some circumstances).
Finally, while home healthcare services are 100% covered, medical equipment and supplies are only covered up to 80%.
Note: the above comments are exclusively about Original Medicare. Some Medicare Advantage (Part C) plans might cover many or even all of those things mentioned here.