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Insurance Benefits

Very often clients are unaware of the private home care benefits available to them. The Benefits Specialist at Zeppone Caring Hands will be happy to check out your major medical, no-fault and workmen’s compensation coverage and handle all aspects of the claim for you.

If you have coverage, Zeppone Caring Hands will accept “assignment of benefits” so that in many cases, you need not pay for private home health care services out of your own pocket.

We also accept private pay insurance and third party reimbursement. Your ZCH Benefits Specialist can explain the rules regarding eligibility for payment and reimbursement. If you don’t have insurance and are concerned about cost, please talk to your nurse to determine whether you are eligible for a financial assistance/payment plan.

Understanding Insurance

Zeppone Caring Hands has a team of dedicated reimbursement professionals. This team can provide much-needed assistance to patients with insurance-related questions, from benefits verification and claims filing, to billing and reimbursement. In most cases, Zeppone Caring Hands will bill a patient’s insurance company so the patient doesn’t have to pay upfront and then file claims for reimbursement. At present, we are providers for the following health maintenance organizations:

We accept the following:



Are home health care services covered by health insurance?

Some health insurance carriers have a private home care benefit covered under the major medical portion of the policy or prescription benefit. Some choose a private home care company that their members must use in order to be covered for services (this is called a “preferred provider”). If you need private home care services, you should check with your insurance carrier to see if they have a designated private home care company. Other types of insurance do not restrict which private home care company their members use, but may limit the private home care benefit in some way (e.g., total number of visits, hours or dollars spent on private home care permitted in a year). Check your subscriber agreement or contact your health plan for the deductible and co-insurance that may apply.

Can people without insurance pay out-of-pocket for services?

Yes. In addition, our office staff will assist patients in identifying alternate payor sources, or refer them to local community agencies for additional assistance.

What services does Medicaid cover?

Medicaid coverage for home health services varies from state to state and program to program. Medicaid generally covers nursing, home health aide and supplies, but may set restrictions on the number of visits and have other coverage requirements. Your case worker can help to explain covered benefits.

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Private Pay Home Care Services

At Zeppone Caring Hands, we understand the concerns that you face. Private pay home care services are designed to address those concerns. Our extensive experience in screening, training and supervising healthcare providers has helped us maintain standards of delivery of service as well as clinical standards of excellence. Our highly trained staff can save you valuable time and money that you would otherwise spend seeking alternative care providers. That means you don’t have to worry about how to find, hire, train and supervise caregivers. We do it for you.