Understanding Medicare Advantage Coverage

At SYNERGY HomeCare, we understand that people are happiest and healthiest where they are most comfortable – in their own homes.

From hourly to around-the-clock care, we offer a wide range of services to help seniors confidently age in place.

If you or a loved one are currently covered or qualify for coverage through a Medicare Advantage plan, home care may be included within your benefit options. Read on to learn more about how Medicare Advantage may help cover the costs of non-medical home care.   

What is Medicare Advantage?

To better understand Medicare Advantage, it can be helpful to know the four parts to Medicare:

• Medicare Part A (hospital insurance)
• Medicare Part B (medical insurance)
• Medicare Part C (combines Part A, Part B, and usually Part D)
• Medicare Part D (prescription drug coverage)

Medicare Part A and Part B are known as Original Medicare, and Medicare Part A, Part B, and Part D are all provided through the federal government.

Medicare Advantage, also known as Medicare Part C, is unique in that it allows recipients to outsource their federally-provided Original Medicare coverage through a private insurance company of their choice.

There are advantages and trade-offs to having a Medicare Advantage plan vs an Original Medicare plan, and you can learn more about the differences by visiting www.medicare.gov/health-drug-plans/health-plans or by calling the Medicare helpline at 1-800-MEDICARE (1-800-633-4227).

Does Medicare Advantage cover home care?

While non-medical home care is not covered under Original Medicare, some Medicare Advantage plans do provide cost coverage for non-medical home care services. Because Medicare Advantage benefits can differ across private insurance plans, the degree to which a Medicare Advantage plan does or does not cover home care can also vary.

Medicare Advantage plans that do provide non-medical home care coverage typically refer to the benefit as in-home support. It is important to note that Medicare Advantage recipients typically need to opt-in to in-home support coverage, as it tends to be a supplementary Medicare Advantage benefit.

Learn your Medicare Advantage options.

When speaking with an insurance company that offers a Medicare Advantage plan, ask about whether they offer an in-home support benefit that could cover companionship/homemaker services and personal care. 

If you are already enrolled in a Medicare Advantage plan, call the number on the back of your insurance card to learn more about your in-home care coverage options and the details of your particular plan.

If you do not have a Medicare Advantage plan, learn more about the specific Medicare Advantage plans available in your region and how to enroll by visiting https://www.medicare.gov/plan-compare.

Call us to find the best home care solution that works with your needs.

Plan benefits may vary, and we are happy to help you navigate your financial options for care.
 (937) 795-3737