This is one of the most confusing questions families face, largely because two very different services share similar names.
Home health vs. home care — the key difference
Home health is skilled, clinical care — nursing, wound care, medication management, physical therapy — ordered by a physician to treat a condition or support recovery. Home care (personal assistance) is non-medical help with daily living: bathing, dressing, meals, errands, companionship.
What Medicare generally covers
Medicare may cover intermittent skilled home health for eligible patients who are under a physician's plan of care and meet program requirements, when services are provided by a Medicare-certified agency. Coverage focuses on skilled needs, not ongoing custodial help.
What Medicare generally does not cover
Long-term, non-medical personal assistance — help with bathing, meals, and housekeeping on its own — is typically not covered by Original Medicare. Some Medicare Advantage plans offer limited supplemental benefits, so it's worth checking your plan.
If Medicare doesn't cover what you need
- Long-term care insurance often covers personal assistance.
- Texas Medicaid programs may cover personal assistance for eligible people.
- VA benefits such as Aid & Attendance may help veterans and spouses.
- Private pay lets you choose exactly the hours you need.
Every situation is different. Reach out and we'll help you understand your options honestly — no medical details are needed online.
This article is general information, not medical advice. Please talk with your physician about your specific situation.
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