Insurance and payment

You will never get a bill from us

Medicare covers 100% of eligible home health services. We verify your benefits before the first visit and confirm in writing that there is no cost to you, so there are no surprises.

A caregiver handing medication to a patient
Accepted coverage

Plans we work with

No copay

Medicare

Part A and Part B cover skilled nursing, PT, OT, and medical social services at 100% for eligible patients.

No copay

Medicare Advantage

We accept most Medicare Advantage plans offered in Northeast Florida. Some plans require prior authorization, which our intake team obtains for you.

Full list

See every Medicare Advantage plan we accept →

Aetna, Blue Cross Blue Shield, Humana, Wellcare, AvMed, Simply, CarePlus, Devoted, Cigna, and more.

No copay

VA Community Care

Veterans referred through the VA Community Care Network can receive home health from Access with a VA authorization.

Self pay

Private pay

Transparent per visit pricing for patients who do not qualify for coverage or want additional visits. Credit card, check, and online payments accepted.

A caregiver assisting a patient with arm exercises
How verification works

We handle the insurance so you can focus on getting better

1

The only cost is a phone call

Home health is covered in full for eligible patients. Your office refers, we handle every claim, and the patient's only job is to get better.

2

We verify benefits and get authorizations

Usually the same business day. We tell you in plain language what is covered.

3

Zero out of pocket. We mean it.

We bill Medicare or your Advantage plan directly. No copay, no deductible, no surprise statement three months later.

Common questions

Insurance questions we hear every day

Does Medicare really cover home health at no cost?

Yes. For patients who meet Medicare's eligibility rules, Medicare pays 100% of covered home health services with no deductible or copay. You will not receive a bill from us.

Do I need a doctor’s order?

Yes. Home health requires an order from a physician, nurse practitioner, or physician assistant, plus a face to face visit within a set window. We coordinate both with your doctor’s office.

What if I have a Medicare Advantage plan?

All of the Medicare Advantage plans we accept cover home health at 100%. Some require prior authorization, which we request for you. Call us with your plan name and we will confirm the same day.

How long can I receive home health?

Care is ordered in 60 day periods and can be recertified as long as you continue to qualify and need skilled care.

Is there a limit on visits?

Yes, and the limit is different for every patient. Medicare and Medicare Advantage base it on your diagnosis, your current level of function, how much progress you are expected to make, and the rules of your specific plan. There is no simple number we can quote on a website. What we can promise is that our case management team knows these rules well, advocates for every visit you need, and keeps you informed throughout your care so you always know where things stand.

Not sure what your plan covers?

Call and a member of our intake team will verify your benefits while you are on the phone. No commitment, no cost.

Physicians: fax orders to 904-638-8752