In-Home Nursing / Home Care

In-home nursing, also known as home care nursing, covers professional medical services delivered in your residence by a registered nurse (RN), licensed practical nurse (LPN), or registered practical nurse (RPN). This benefit supports individuals recovering from illness, surgery, or long-term conditions who require medical supervision outside of a hospital.

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Coverage typically includes nursing assessments, wound care, injections, medication administration, and other treatments prescribed by a physician. Most plans limit reimbursement to a set dollar amount per year, and some require pre-authorization before services begin.

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Example:

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If your plan covers up to $10,000 per year for in-home nursing and you receive services costing $9,200, the insurer reimburses the full amount up to your limit.

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What to Watch For:

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Obtain a doctor’s note or pre-authorization before care starts. Plans may not cover non-medical home assistance unless listed under home support services.