Resources
Practical guides for home care agency owners.
IC or Employee? How Do We Determine?
A plain-language walkthrough of the three tests used to decide whether a caregiver is an employee or a contractor, and what getting it wrong costs.
The Communicable Disease Exclusion: What It Removes From Your Professional Liability Coverage
What an absolute communicable disease exclusion takes out of your professional liability section, why defense costs go with it, and how to check your own policy wording.
Workers Compensation Through a Payroll Company: Four Risks for Home Care Agencies
Bundled rates, claims negotiation, loss run explanations and the experience mod factor — four things to understand before moving your workers compensation policy.
Frequently Asked Questions
Does Medicare pay for the care my agency provides?
Generally not. Medicare covers skilled, intermittent home health care ordered by a physician for a homebound patient, and hospice care for a terminally ill patient who elects it. It does not pay for the long-term custodial and personal care — bathing, dressing, meal preparation, companionship — that most franchise and independent home care agencies provide.
That is why most of your clients pay privately, through long-term care insurance, or through Medicaid. Families regularly assume Medicare covers all of it, and the agencies that explain the gap early avoid a difficult conversation at the worst possible moment.