What is home health care?
Medical care at home, ordered by a doctor, and why it is not the same as daily help.
Home health care is skilled medical care delivered at home by a licensed agency, such as nursing, physical, occupational or speech therapy, ordered by a doctor for a specific need. Medicare covers it at no cost for people who are homebound and need part-time skilled care, but it does not cover 24-hour care or help with daily tasks alone.
What home health looks like day to day
After a hospital stay for a fall, your loved one might get a nurse twice a week to check vital signs and teach the family about new medicines, a physical therapist three times a week to work on walking, and a home health aide for a few short visits to help with bathing.
When goals are met, services end.

Who qualifies under Medicare
According to Medicare.gov, your loved one must:
- Need part-time or intermittent skilled nursing or therapy.
- Be homebound: leaving home takes considerable effort or help. Attending adult day care does not disqualify them.
- Be seen in person by a doctor or other provider who orders the care, delivered by a Medicare-certified agency.
Medicare pays nothing out of pocket for covered home health services; equipment carries 20% coinsurance after the Part B deductible. It does not cover 24-hour care, meal delivery, homemaker services, or personal care when that is the only care needed.
What Medicare home health care covers
When your loved one qualifies, Medicare.gov lists these covered services:
- Part-time or intermittent skilled nursing, such as wound care, injections, IV or nutrition therapy, and monitoring an unstable condition
- Physical, occupational and speech-language therapy
- Medical social services
- Part-time home health aide care, but only alongside skilled nursing or therapy
- Medical supplies and durable medical equipment
Medicare also notes that people who need more than part-time or intermittent skilled care do not qualify for the home health benefit.
Why families with dementia run into gaps
Dementia mostly creates a need for supervision, routine and help with everyday tasks, which is exactly what Medicare home health excludes. Home health typically appears after an acute event (a fall, surgery, hospitalization) and then ends. In Florida, home health aides may give hands-on personal care, unlike companions, under s. 400.462. Our companions do not provide hands-on personal care, skilled nursing or therapy; when personal care is needed, families add a licensed home health agency or aide, and our companion can work alongside them.
Making it work at home
- Ask the hospital discharge planner or doctor whether your loved one qualifies before leaving the hospital.
- Be home for the first visits and tell the nurse about the dementia diagnosis and behaviors.
- Ask the therapist to teach family members the exercises and safe transfer techniques.
- Plan for the hours between visits and after services end.
When to call the doctor
Call if your loved one becomes suddenly confused (possible delirium), falls, stops eating or drinking, or the home health nurse raises concerns. Ask the doctor to order home health when there is a new skilled need.
Home health vs. companion care
Home health is medical, short-term and doctor-ordered. Companion care is non-medical, ongoing and scheduled by the family. Many families use both: the nurse manages the medical side while a dementia companion fills the rest of the week. See the full comparison, our after-discharge guide, and what Medicare covers.
A sample week using both kinds of help
| Day | Home health care | Companion |
|---|---|---|
| Monday | Nurse visit: vitals, medicine review | Afternoon walk and dinner prep |
| Tuesday | Physical therapy | Practices the exercises’ routine with gentle reminders |
| Wednesday | None | Full day while the family caregiver works |
| Thursday | Physical therapy; aide helps with a bath | Lunch and music |
| Friday | None | Errands and a ride to the hairdresser |
The companion follows the therapist’s plan and does not provide therapy or nursing.
Questions to ask a home health agency
- Is the agency Medicare-certified?
- Have your nurses and aides worked with people with dementia?
- How often will each discipline visit, and for how long?
- Who do we call after hours?
- What is the plan when Medicare services end?
Florida law defines a home health agency simply as one that provides home health services, so ask specific questions rather than relying on the label.
Related terms
Fill the hours home health does not cover
Companions who work alongside home health nurses. 3-5 profiles in 48 hours, $35/hour for 40+ hours a week.
Frequently asked questions
Still have questions?
Talk it through with us. A free call about your family's situation, with no obligation.
Call (689) 333-6079Send us a message- Screened for dementia care experience
- Florida ADRD training before the first visit
Does Medicare cover home health care for dementia?
Only if your loved one is homebound and needs part-time skilled nursing or therapy ordered by a doctor. Dementia alone, without a skilled need, does not qualify.
Does Medicare home health include 24-hour care?
No. Medicare.gov lists 24-hour care at home as not covered.
Can a home health aide help with bathing?
Yes, when part of a covered plan alongside skilled care. Under Florida law, home health aides may provide hands-on personal care.
Can I use home health and a companion at the same time?
Yes. Many families combine doctor-ordered home health with non-medical companion care.
How long does home health care last?
Home health care is short-term. It typically appears after an acute event such as a fall, surgery or hospital stay, and services end when the care goals are met. Plan for the hours between visits and for after services end; many families add a non-medical companion for the rest of the week. See our after-discharge guide.
Don't see your question? Call (689) 333-6079 or send us a message.