Your Local Guide to Home Healthcare Insurance in Kansas City Metro

Not sure what your plan covers for home healthcare? We help you get clear answers and choose what’s right for you.

Understanding Home Healthcare Insurance

Home healthcare refers to a range of medical and support services that can be provided in your home rather than in a hospital or facility. This includes skilled nursing care, physical and occupational therapy, speech therapy, and assistance with daily activities. For many people, home-based care is preferable to a nursing facility. In many cases, it can be covered by insurance.

Medicare covers certain home healthcare services under specific conditions. To qualify, you must be homebound, your doctor must certify that you need skilled care, and the care must be provided by a Medicare-certified home health agency. Medicare covers skilled nursing, therapy, and some home health aide services, but it does not cover 24-hour care or custodial care (help with bathing, dressing, and daily activities) on an ongoing basis.

For care that Medicare does not cover, other options may include long-term care insurance, Medicaid (for those who qualify), or private pay. Understanding the boundaries of your current coverage and planning ahead can make a significant difference in your options and costs.

Questions about Home Healthcare? Call us now or message us to request a quote

Home Healthcare Insurance Planning

Who Is This For

Medicare enrollees who want to understand what home healthcare services are covered under their plan
Adults planning ahead for potential long-term care needs
Caregivers helping a parent or spouse understand their home healthcare coverage options
Individuals who have recently been discharged from a hospital and need home-based follow-up care
People who are considering long-term care insurance as part of their retirement planning
Anyone who wants to understand the difference between skilled home healthcare and custodial care

How AIS Helps with Home Healthcare Insurance

We explain in plain language what Medicare does and does not cover for home healthcare.

We help you understand the difference between skilled nursing care, therapy services, and custodial care under Medicare.

We review your current Medicare or health insurance plan to identify any home healthcare benefits you may not be aware of.

We provide an overview of long-term care insurance as a planning tool for future home-based or facility care needs.

We connect you with the right resources and next steps based on your specific situation.

Home Healthcare Insurance Brokers

Why Work With AIS Health Insurance Advisors

Home healthcare planning is a topic that many people put off until a health event forces the issue. At that point, options are more limited and costs are higher. AIS Health Insurance Advisors helps Kansas City residents understand their current coverage and think through their options before they need them.

We are independent advisors with experience helping Medicare enrollees and their families navigate complex coverage questions. We are not affiliated with any home health agency or care provider. Our only goal is to help you understand your options clearly.

Our services are provided at no cost. There is no fee for a consultation and no obligation to purchase any product.

Frequently Asked Questions About Home Healthcare Insurance

Does Medicare cover home healthcare?

Medicare covers certain home healthcare services if you are homebound, your doctor certifies that you need skilled care, and the care is provided by a Medicare-certified home health agency. Covered services include skilled nursing, physical therapy, occupational therapy, and speech therapy. Medicare does not cover 24-hour care or ongoing custodial care.

What is the difference between skilled care and custodial care?

Skilled care is medical care provided by licensed professionals such as nurses or therapists. Examples include wound care, medication management, or physical therapy after a surgery. Custodial care is assistance with daily activities such as bathing, dressing, and meal preparation. Medicare covers skilled care under certain conditions but generally does not cover custodial care.

Does Medicare Advantage cover home healthcare differently than Original Medicare?

Medicare Advantage plans must cover the same home healthcare services as Original Medicare, but some plans offer additional home-based benefits. We can review your specific Advantage plan to identify what is covered.

What is long-term care insurance?

Long-term care insurance is a separate policy that helps cover the cost of extended care — whether at home, in an assisted living facility, or in a nursing home. It is designed to cover costs that Medicare does not, including ongoing custodial care. We can provide an overview of long-term care insurance options as part of your planning conversation.

Have more questions? Call us at 913-333-8627 — we’re happy to talk through your situation.

See What Our Clients Say About Us

     
 
 
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   Lexie Haskin 
 August 12, 2025
 
 
 Trustindex verifies that the original source of the review is Google. Travis Allen with AIS Health Insurance is incredibly knowledgeable and truly takes the stress out of navigating health coverage. He explains options clearly, answers questions thoroughly, and helps you feel confident in your choices—whether you're looking at individual plans, Medicare, or group coverage. His service is honest, responsive, and personalized. I’d absolutely recommend Travis to anyone needing guidance with health insurance!
  
 
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   Logan Tritt 
 January 6, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Just fell off of parents insurance in January. I knew NOTHING about insurance or why the system works the way it does. Travis did a great job helping me find an affordable option and thoroughly explaining the plan I purchased. Highly recommend going through travis as a broker instead of trying to figure out insurance plans on your own.
  
 
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   Brooklyn Brungardt 
 August 22, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Helped get my family and team covered! Great to work with
  
 
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   Aaron Peterson 
 July 16, 2019
 
 
 Trustindex verifies that the original source of the review is Google. Knowledgeable, friendly and willing to explain.  I was very impressed.
  
 
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   paul reed 
 September 26, 2024
 
 
 Trustindex verifies that the original source of the review is Google. Travis is very knowledgeable & easy to work with, so nice to have someone who understands what options are available & what it really means to your pocketbook!
  
 
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   Bekka Fisher 
 March 5, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Travis Allen thankyou! Insurance is stressful and you make it easier
  
 
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   mary hodges 
 March 6, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Thank you, Travis Allen for helping me find the right insurance at the right price. Thank you for listening to my needs, sharing your knowledge, and finding the right health insurance for me, year after year.
  
 
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   Dan Son 
 July 16, 2019
 
 
 Trustindex verifies that the original source of the review is Google. Very pleased with the way they listened to me and did an excellent job in satisfying those needs. Also looked at a product they didn’t offer and was put in contact with another source to access that product.
  
 
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   Matt Herynk 
 January 18, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Travis did a great job of walking me through and explaining the confusion that is our current health insurance system.
  
 
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   Casey Owens Bowman 
 January 18, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Travis is extremely knowledgeable and personable!
  
 
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   Bryan O'Connor 
 June 17, 2025
 
 
 Trustindex verifies that the original source of the review is Google. Travis is an incredibly knowledgeable and thorough. He asks great questions and takes care to find the best plan for your particular needs.

I'd trust him with my families and friend's needs.
  
 
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   Judy Shifrin 
 May 5, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Travis was very helpful with a 'niche' situation regarding coverage for my daughter.  He was calm and very helpful, taking the stress out of the whole process.  I highly recommend him!
  
 
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   Darla Barger 
 October 22, 2021
 
 
 Trustindex verifies that the original source of the review is Google. My son referred me to Travis when I decided to start my own business becoming self-employed. I am so glad he did. I feel like I got the best coverage possible at the best price and that he was totally looking out for my best interest. Would highly recommend!
  
 
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   Bo OConnor 
 August 23, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Travis Allen is the best! He has helped numerous friends and clients. He takes the time to understand his client's needs and situation and finds the best solution possible.

I wouldn't trust anyone with Health Insurance, Medicare Supplements more than Travis!
  
 
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   Don Barkley 
 July 21, 2019
 
 
 Trustindex verifies that the original source of the review is Google. Highly knowledgeable agents, great products, prices and customer service!
  
 
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   Jennifer Janssen 
 February 7, 2024
 
 
 Trustindex verifies that the original source of the review is Google. Travis reviewed my options and found that my current insurance was good.  I appreciated his honesty and looking out for me. I would recommend him to everyone.  A great honest guy.
  
 
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   Katie Allen 
 July 16, 2019
 
 
 Trustindex verifies that the original source of the review is Google. Very knowledgeable and helpful!
  
 
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   Derek Hemel 
 August 4, 2025
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Travis and AIS Health Insurance Advisors enough. Like most business owners, I was under the impression that a quality health plan for my team would be prohibitively expensive. Travis completely changed that perception. He took the time to understand my budget and our specific needs, and he went above and beyond to find a comprehensive plan that not only worked for my team but was also genuinely affordable. He made a complex process feel simple and manageable. If you're looking for a partner who can deliver real value and a great plan without breaking the bank, Travis is the person to call.
  
 
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   Hannah Murphy 
 October 4, 2021
 
 
 Trustindex verifies that the original source of the review is Google. Travis has helped me tremendously! Every question I have he answers promptly. Getting insurance sucks but he makes the process painless and smooth!
  
 
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   Matthew Pool 
 January 18, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Travis is absolutely phenomenal. I own a restaurant and he helped me work through the options to be able to get my staff what they needed. Professional and quick to assist. Highly recommended.
  
 
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   Bryan & Gina Zesiger 
 January 18, 2022
 
 
 Trustindex verifies that the original source of the review is Google. He will help you find what you with a smile!
  
 
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   Chad Dick 
 July 1, 2025
 
 
 Trustindex verifies that the original source of the review is Google. Travis is such a knowledgeable professional and provided us with great options that fit our needs.  Highly recommend!
  
 
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   Richard Ford 
 January 4, 2022
 
 
 Trustindex verifies that the original source of the review is Google. Travis was totally engaged, knowledgeable and courteous.  Very patient dealing with seniors. Can't say enough GOOD about our situation being taken care of especially in the time crunch we gave him. Thank you Travis!
  
 
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   Jeffrey Downing 
 August 12, 2021
 
 
 Trustindex verifies that the original source of the review is Google. For those of us who don't want to wade through the insurance marketplace...this was great!  Travis was very patient and knowledgeable. I feel like he had my best interests in mind when searching for the right plans for me.

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