Issues Pertaining to Home Health Care Insurance for Agents

A home health care agency provides certified nurses and trained home health aides to private customers who prefer living at home to placement in a continuing care or retired living community. These professionals typically provide minimal medical care, such as taking vital signs and administering medicine, along with performing light housework, such as cooking, housekeeping and shopping. This service is provided for the elderly, invalids or others who are unable to perform these functions on their own.

This situation is fraught with issues, from accidental injury, to complications due to medication, even accusations of abuse and theft. Agents that provide the necessary coverage to companies that provide these services must be aware of these risk and exposures when speaking to brokers concerning home health care insurance for agents.

Obeying state licensing requirements

Many jurisdictions require that a detailed package be included with any application. Entrepreneurs interested in entering into a business model of this type may have to submit a formal business plan, along with an in-depth description of planned operational policies, as well as the resumes and documentation of professional licensing of any prospective employees.

While a formal education is not required to open a home health care agency, an operating license is required in most jurisdictions. Licensing requirements may vary from state to state, and, depending upon the type of license that must be obtained, this may be an issue for some owners. In addition, applicants will likely be required to successfully pass a criminal background screening.

Staffing is an important issue

The success of a home health care agency is often due to the quality of its staff. By hiring only the best and most qualified caregivers, an agency can ensure it establishes and maintains an outstanding reputation. The trick is to recruit employees with a stellar track record, identifying top-tier candidates, and bringing them into the fold. Contacting local colleges or proprietary schools that offer training to prospective certified nursing aides is a cost effective method for recruiting talent.

Not all in-home services are the same, since some services provide non-medical help, such as assistance with daily living, while other in-home services involve medical care given by a licensed health professional, such as a nurse or physical therapist. Agents must consider the type of business being operated, along with its particular needs. Brokers can then help secure the best home health care insurance for agents currently available in the marketplace.