Articles · Medicare

Medicare home health: the basics, without the runaround.

No federal worksite, no military service — Medicare is still a real path to skilled care at home. Two conditions decide it: you are homebound, and a physician orders skilled care.

Who qualifies.

  • You are homebound — leaving home takes considerable effort and help, though occasional trips (doctor, church, a haircut) do not disqualify you.
  • A physician orders intermittent skilled care — nursing or therapy — and certifies the plan of care.
  • The agency is Medicare-certified.

What it covers.

  • Intermittent skilled nursing — wound care, medication management, assessment.
  • Physical, occupational, and speech therapy.
  • Limited home health aide services alongside skilled care, and medical social work.

For covered home health, Medicare pays the agency directly — at no cost to you for the covered visits. It does not cover 24/7 care or long-term personal care alone; the skilled need drives it.

Have a White Card too? They work together — the card covers accepted conditions, Medicare the rest. Using both →

Common questions.

Does “homebound” mean I can never leave?

No. It means leaving takes considerable effort; infrequent short trips do not disqualify you.

How does it start?

With a physician order. Ask your doctor for home health, or send us the referral and we coordinate the order with your physician.

Sources: Medicare.gov, Home health services.

Not sure which program fits?

Compare the programs side by side, or answer a few questions and get the one next step.

Alara helps you understand and reach benefits you may already be entitled to. It does not replace the Department of Labor, your Resource Center, your physician, or any federal agency. Nothing here is legal advice or a coverage or eligibility determination.