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If you have Original Medicare Part A (Hospital Insurance) or Part B (Medical Insurance), you may be eligible for Medicare home health benefits. To qualify, you must meet all of these requirements: be homebound, be under the active care of a doctor who has certified that you need intermittent occupational therapy, physical therapy, speech therapy, and/or skilled nursing care. And the home health agency must be Medicare approved. Please note that home health care is a different service from non-medical home care.


Medicare does not cover long-term care, 24-hour care at home, or non-medical home care if you need assistance with activities of daily living (ADLs) or personal care like bathing and have no other medical needs. Understanding exactly what Medicare covers can be complicated. We recommend that you consult with an insurance expert to see if you or your loved one is eligible.

It depends on your policy. If this is your first time using your benefits for home care, it’s best to contact your insurance provider to be sure that you have an active claim, confirm any applicable elimination period, and clarify the services covered under your policy. TheKey is an approved provider with most major Long-Term Care (LTC) insurance carriers—and we have a free service to help our clients navigate all aspects of the claims process.

If you need long-term care insurance help to initiate a new claim or need guidance with an existing claim, we have a dedicated team of long-term care insurance experts ready to help. Learn more about this free service.

We follow the guidelines of the Occupational Safety and Health Administration (OSHA), the Centers for Disease Control (CDC), and the World Health Organization (WHO), as well as state and county mandates in the communities we serve. We also train our caregivers to follow best practices to reduce the spread of infection. We actively encourage our employees to be fully vaccinated, including booster shots, and require that all employees comply with state mandates. The majority of our caregivers, Care Teams, and field office staff are fully vaccinated—and we’re adding to those numbers every day.

If you value safety, security, and reliability, yes. A quality home care agency is insured and also manages the performance and scheduling of its caregivers, handles billing and payroll, and has back-up caregivers to fill in when needed. With a private hire caregiver, you’re responsible for setting up payroll and withholding taxes, caregiver vetting and background checks, and purchasing sufficient liability insurance to cover any accidents or injuries in the home.