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Speak With A Licensed Agent:
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What Companion Care Can Medicare Cover?

Medicare covers part-time or intermittent companion care (also called home health aide services) when you also get skilled care, including:

  • Skilled nursing care

  • Physical therapy

  • Speech-language pathology services

  • Continuing occupational therapy

In order for Medicare to provide coverage, the “part-time or intermittent” services must be:

  • Fewer than eight hours per day

  • 28 hours or fewer per week

In limited situations, weekly services may be up to 35 hours.

Medicare does not cover the following:

  • 24-hour-a-day care at home

  • Meals delivered to your home

  • Homemaker services, like shopping, cleaning and laundry

  • Custodial or personal care, like bathing, dressing and using the bathroom when this is the only care you need

What Assistance Can a Companion Provide?

You may be asking: “How can a companion help me?” Well, companions provide a human connection for those who need it the most. Companions may provide the following services:

  • Transportation and errand help

  • Assistance with household tasks

  • Companionship

  • Help with exercise

  • Pet care

  • Medication support

You can think of your companion as an extra set of hands at your home. In addition to in-person visits, many companion services offer remote care via online methods, like Zoom or FaceTime.

Other ways a companion can help may include:

  • Reading the mail

  • Making phone calls

  • Applying for services and completing forms

What Does Companion Care Cost?

When it comes to out-of-pocket fees, a home health agency must provide you with an “Advance Beneficiary Notice of Noncoverage” (ABN) when Medicare is likely not to cover services. For example, Medicare does not cover companion care if you are not homebound. Consequently, you may have to pay for it. 

If Medicare does cover it, you may need to pay the coinsurance, copayments, or deductibles.

According to Genworth's Cost of Care Survey Tool , the national 2023 median cost for in-home care is:

  • $30 for homemaker services

  • $33 for a home health aide

However, the price you pay varies by location. For example, the median cost in Orlando, Florida, for 2023 is:

  • $21 for homemaker services

  • $31 for a home health aide

Do Companions Provide Medical Care?

No, home companion caretakers do not provide standard medical care. If you need home health services , such as skilled nursing care or physical therapy, review your Medicare plan.

LEGAL DISCLAIMER: The above is meant to be strictly educational and not intended to provide medical advice or solicit the sales of an insurance product or service of any kind.