Home healthcare insurance provides coverage to skilled and non-skilled providers that addresses various types of exposure and liabilities. Home health care covers a wide range of services that can be provided in your home in the event of injury or illness. It’s a popular option that is more convenient, less expensive, and equally as effective as hospital or skilled nursing facility care. If you are a home health care professional, you likely face major and unique risks in your workplace.
Besides skilled and non-skilled health workers, home healthcare insurance covers the needs related to various services, such as:
- Speech therapy
- Physical occupational therapy
- Home health aides
- Nurse staffing
- Companion care, including bathing and dressing the patient, and housecleaning
- Nutritional support, such as meal preparation
- Traumatic brain injury
Why Coverage Is Important
With an increasing elderly population in the United States, seniors are deciding that they prefer medical care in their own homes. Being able to remain at home improves quality of life, and home support and health care has become vital to the aging and the chronically ill. Home healthcare insurance protects professional staff who deliver routine preventive care and chronic care management, usually through a program that includes liability coverage, workers’ compensation, auto, and regulatory audit insurance coverage.