Insurance & Payment Options
We accept most major payment sources for home health care. Coverage verification is always free.
Medicare
We are a Medicare-certified home health agency and accept Medicare assignment for covered services including skilled nursing, physical therapy, occupational therapy, speech-language pathology, medical social services, and home health aide services when provided alongside skilled care. Learn more about Medicare coverage →
Medicare Advantage
We accept most Medicare Advantage plans. Coverage rules can differ from traditional Medicare, so we verify the specifics for each patient before care begins.
We work with major Medicare Advantage carriers including Humana, UnitedHealthcare, Aetna, Cigna, and Blue Cross Blue Shield of Texas plans.
Medicaid (Texas)
Texas Medicaid (including STAR+PLUS) may cover personal care attendant services for eligible beneficiaries. Eligibility requires both financial and medical criteria. We help families understand the application process.
VA Benefits
We work with veterans through several VA programs:
- VA Community Care Network referrals
- Veteran-Directed Care
- Aid and Attendance pension benefit
- Homemaker and Home Health Aide program
Private Insurance
We accept many major commercial insurance plans. Coverage for home health varies significantly by plan. Common plans we work with include:
- Blue Cross Blue Shield of Texas
- UnitedHealthcare
- Aetna
- Cigna
- Humana
Carrier names are listed for informational purposes. Call us to confirm your specific plan is in network.
Long-Term Care Insurance
We accept payment from long-term care insurance policies and handle the documentation requirements most carriers ask for. Bring your policy information to the consultation and we'll walk through what's covered.
Private Pay
Many families pay privately for services that insurance doesn't fully cover, especially personal care, companion care, and 24-hour coverage. We provide clear written estimates so families know exactly what they're committing to.
Frequently Asked Questions
How do I verify my insurance coverage with DeGuardian Health?
Call us at 469-688-3631 with your insurance card handy. Our intake team will verify benefits at no cost and walk you through what is covered, what is not, and any expected out-of-pocket costs before care begins.
Do you accept Medicare assignment?
Yes. DeGuardian Health Agency is Medicare-certified and accepts Medicare assignment for covered services.
Can I use long-term care insurance to pay for home care?
Yes, in most cases. Most long-term care policies cover home care after a qualification period. We help families understand their policy terms and complete required documentation.