These data reflect the most commonly purchased benefits package for each of the health plans in
the year 2000. Coventry/Principal would not supply updated information.

HMO Home Health
Aetna US Healthcare Covers:
  • Skilled nursing services for a homebound member. Treatment must be provided by or supervised by an RN.
  • Services of a home health aide when the purpose of the treatment is skilled care. Treatment must be supervised by an RN.
  • Medical social services provided along with other home health services. The PCP must certify that such services are necessary for the treatment of member’s medical condition.

Limits: Services must be provided by a home health agency in lieu of a hospitalization. In addition, services must be approved and arranged in advance by HMO. HMO shall not be required to provide home health benefits when it determines the treatment setting is not appropriate or when there is a more cost effective setting in which to provide appropriate care.

Excludes: Custodial or care that does not require the continuing attention of trained medical or paramedical personnel.

Blue Cross Blue Shield Covers: Skilled nursing, therapy services and other therapeutic services provided by home health agency. Benefits provided for home health aides only when skilled care required.

Limits: Limited to a maximum of 60 days per calendar year per member. prior approval is required.

Cost Sharing: Copayment applies.

CIGNA / Healthsource Covers: Short-term home health care and skilled nursing services.

Limits: Visit limits apply.

Excludes: meals, housekeeping, and personal convenience or comfort items.

Doctors Health Plan Covers: Skilled nursing services.

Limits: Nursing services are covered in full for up to 60 days per contract year. Doctors’ case management program will authorize benefits in cases where it is clinically appropriate and where significant improvement can be expected. Requires precertification or prior authorization from Doctors. Must be provided by participating provider or facility unless there is no participating provider available.

Excludes: meals, housekeeping and personal convenience or comfort items.

Generations Covers: Home health if medically necessary and expected to result in significant improvement of condition. Can include home infusion therapy and services of a home health aide if medically necessary. Benefits limited to 100 visits per contract year.

Excludes: Meals, housekeeping, personal convenience or comfort items.

Optimum Choice Covers: Medically necessary intermittent home health services when authorized by the member’s PCP and pre-approved by OCCI. Includes the services of registered nurses, licensed practical nurses, home health aides, and therapists

Limits: Home health services limited up to 35 hours week for a period not to exceed 21 days.

Cost Sharing: Copayment for a home visit by a PCP, specialist, or affiliate provider will apply.

Excludes:

  • Custodial care
  • Convenience items
  • Non-medical services
PARTNERS Covers: Home health services including those provided by RNs, LPNs, respiratory therapists, home health aides and/or supplies.

Limits: Coverage limited to 100 days per spell of illness for SNF and home health services combined if approved in advance by the plan. Coverage limited to members who are confined to home. Physical and speech therapy services are subject to limitations previously listed.

Excludes: Custodial and respite care.

Coventry/Principal Health Care of the Carolinas Covers: Home health services when they are ordered by a physician and approved by the PCP. To be covered, the following conditions must be met:
  • The services can only be performed by a licensed nurse, physical therapist, speech therapist, or occupational therapist.
  • Services must be a substitute for hospitalization.
  • Part-time intermittent services are needed.
  • A treatment plan has been established and periodically reviewed by the ordering physician.
  • The agency providing the services is Medicare certified and licensed by the state of location. Coventry/Principal must authorize the services.
QualChoice Covers: Medically necessary visits by home health agency personnel for services provided in the home. May require precertification by your physician. Services include:
  • Intermittent home nursing by a registered nurse or nurses aide when medically appropriate.
  • Physical, occupational, or speech therapy if provided through a Home Health Care Agency.
  • Skilled treatments done by licensed or certified Home Health Care Agency personnel, including non-prescription medical supplies such as surgical dressings and saline solutions.
The Wellness Plan of North Carolina, Inc. Covers: Visiting nurse services, nutrition services, and any drugs, medications, surgical dressings or related medical supplies administered during a home visit. These services will be covered in full if determined to be medically necessary by TWP-NC.
United HealthCare Covers: Intermittent skilled services by a registered nurse, physical therapist, occupational therapist, or speech therapist from a home health agency. Home health aide services supervised by a registered nurse may be covered for short periods if the patient is homebound.

Limits: Services must be provided in a member’s home for the care and treatment of an injury or sickness which otherwise might require inpatient confinement. Services will only be covered if directed by a participating physician, approved in advance by UHC, and obtained through a UHC selected provider.

Excludes: Maintenance or custodial care.

WellPath Covers: Home health care services.

Limits: Services must be provided by a participating provider. Must have been referred by a participating provider and approved in advance by WellPath.

Cost Sharing: Copayment may apply for participating physician services at home. There is no copayment for home health care.

Excludes: Plan does not cover custodial care or care for persistent illness and disorders.

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