Stay Home Safely With the Right Support

Mary Massino Insurance Broker helps seniors in Dunmore understand home health programs that work with Medicare and Medicaid.

If you live in Dunmore and want to stay in your own home as you age, you may need help with daily tasks like bathing, meal preparation, or managing medications. Home health programs provide trained aides, nurses, and therapists who come to your home on a schedule that fits your needs. These services allow you to maintain independence without moving to a facility, but understanding what Medicare or Medicaid covers and what you pay out of pocket can be confusing.

Home health programs can include skilled nursing, physical therapy, personal care, and medical equipment delivery. Mary Massino Insurance Broker explains how these programs work with your current coverage, what services qualify, and how much you will owe. Drawing on decades of experience supporting individuals with special needs, the guidance you receive focuses on real-life scenarios and practical decisions. You also learn which agencies serve Dunmore and how to arrange care that fits your routine.

If you are in Dunmore and want to review home health options, schedule a consultation at your home where you can discuss care in a comfortable setting.

How programs are arranged and what they include

When you meet with Mary Massino Insurance Broker in Dunmore, you review programs that cover skilled nursing visits, physical or occupational therapy, and personal care assistance. The consultation includes a breakdown of what Medicare Part A and Part B cover, what Medicaid may pay, and what services require prior authorization or a doctor's order. You also learn how often aides can visit and what tasks they are allowed to perform under your plan.

After the program begins, you will have a care schedule and know which provider is coming to your home each week. You will notice that tasks like wound care, injections, or mobility exercises are handled by licensed professionals, while personal care aides help with bathing, dressing, and light housekeeping. If your health improves, the program adjusts. If you need more help, additional hours or services can often be added with approval from your plan.

Medicare typically covers home health if you are homebound and have a doctor's order. Medicaid may cover additional hours or services Medicare does not. The program does not cover 24-hour care or services unrelated to your medical needs, and you may owe a co-pay depending on your plan.

Seniors and their families often ask how to qualify for home health services, what happens if needs change, and whether they can choose their own caregivers. These questions are common, and the answers depend on your coverage, your doctor's recommendations, and the agencies available in your area.

Families often have concerns about how this really works

They usually include skilled nursing, physical or occupational therapy, personal care assistance, and medical social services. Some programs also provide medical equipment like walkers or oxygen.
What do home health programs typically include?
How do home health programs work with Medicare?
Medicare Part A or Part B covers home health if you are homebound and have a doctor's order. It pays for intermittent skilled care, but not for full-time aides or custodial care.
When should I arrange for home health care?
You should arrange it as soon as your doctor recommends it or when you notice that daily tasks are becoming difficult to manage safely. Early planning gives you more time to find the right provider.
Why would I need home health if I have family nearby?
Family members can help, but trained aides and nurses provide medical care that requires licensing. They also give your family a break and follow a care plan approved by your doctor.
How do I find a home health provider in Dunmore?
Mary Massino Insurance Broker helps you identify agencies that accept your insurance and serve your area. You review options together, including staff qualifications, availability, and what services each agency provides.

If you are in Dunmore and want to understand how home health programs work with Medicare or Medicaid, Mary Massino Insurance Broker offers personalized consultations in your home. Contact us to schedule a discussion that helps you plan care that fits your needs.