Home Care Covered by Blue Cross Blue Shield and Cigna
We are in-network with Blue Cross Blue Shield and Cigna. We check your benefits, handle prior authorization, and bill your insurer directly.
- In-network with BCBS and Cigna
- Benefits checked before your first visit
- Medicare-certified and CHAP accredited
- CDPHE Licensed #04Z659
- Medicare-Certified
- CHAP Accredited
- In-network: BCBS & Cigna
- Health First Colorado & IHSS
- Open 7 days, 8 AM–7 PM
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Private health insurance can pay for nursing and therapy at home after surgery, a hospital stay, or a change in a chronic condition. Being in-network means EliteCare has a contract with your insurer, which often keeps your share of the cost lower.
Every plan has its own rules. Before care starts, we call your insurer, confirm what is covered, and explain your deductible and copay in plain language.
Do you qualify for home health under BCBS or Cigna?
- You have a Blue Cross Blue Shield or Cigna plan with home health benefits.
- Your doctor orders home health care and states it is medically necessary.
- You need skilled care, such as nursing, wound care, or physical, occupational or speech therapy.
- Your plan approves the visits, if it requires prior authorization.
- You have visits left under your plan's yearly limit, if your plan has one.
Some plans require you to be homebound. Others do not. We check your plan's exact rules for you.
What BCBS and Cigna plans usually cover at home
Covered
- Skilled nursing visits by an RN or LPN
- Physical, occupational and speech therapy
- IV therapy and wound care
- Medication management and teaching
- Benefits check and prior authorization handled by EliteCare
- Billing sent directly to your insurer
Not covered
- 24-hour care
- Non-medical companion care, in most plans
- Room and board
- Care your insurer does not consider medically necessary
- Your deductible and copays
- Visits beyond your plan's yearly limit
Coverage depends on your plan. We confirm your benefits before the first visit.
How to start insurance-covered home health with EliteCare
- You
Step 1
Call with your insurance card
Give us your member ID and group number. We check your home health benefits.
- Your doctor
Step 2
Sends orders
Your doctor sends a referral and orders. We can contact the office to request them.
- EliteCare
Step 3
Gets prior authorization
If your plan requires it, we request approval from your insurer and tell you what we hear back.
- EliteCare
Step 4
Starts care
Once we have the referral and physician orders, care can begin within 48 hours, starting with a nurse visit.
What to have ready when you call about BCBS or Cigna coverage
- Your insurance card, front and back
- The name of the person on the policy, if it is not the patient
- Your doctor's name and office phone number
- A list of current medications
- Recent hospital or surgery discharge papers
Services BCBS and Cigna plans can cover
Home health care
Skilled nursing at home for wounds, IV therapy, injections and new diagnoses.
Learn moreTherapy services
Physical, occupational and speech therapy ordered by your doctor.
Learn morePost-Hospital care
Nursing and therapy after surgery or a hospital stay.
Learn moreDementia care
Skilled nursing for a person with dementia when a medical need is ordered. Daily supervision is usually private pay.
Learn moreWhat in-network with BCBS and Cigna means
In-network means EliteCare has a contract with Blue Cross Blue Shield and Cigna at agreed rates. You usually pay less than you would with an out-of-network agency.
If you have a different plan, call us. Some plans have out-of-network benefits, and we can tell you what we find before you decide.
How we verify your insurance benefits
Before your first visit, we call your insurer. We ask about home health coverage, your deductible, your copay, prior authorization, and any yearly visit limit.
Then we explain what we learned. You will know your expected share before care starts, so there are fewer surprises later.
Why insurers need physician orders
Private insurers pay for home health when a doctor says it is medically necessary. Your doctor's orders list the services, how often they happen, and the goals.
If your insurer asks for updates or a new approval, our registered nurse sends the clinical notes. We follow up with the insurer until we have an answer.
Skilled care versus personal care under private insurance
Most private plans cover skilled care, like wound care or physical therapy. They usually do not cover non-medical help, like companion care or housekeeping, on its own.
Some long-term care insurance policies do cover personal care. If yours does, we can help you file. If not, we can talk about private pay for the hours you need.
Check your BCBS or Cigna home health coverage
Insurance coverage questions
Is EliteCare in-network with my insurance?
We are in-network with Blue Cross Blue Shield and Cigna. For other plans, call (720) 219-8146 and we will check whether we can work with your plan.
How do I know what my insurance will pay?
We check your benefits before care starts. We call your insurer and explain your coverage, including any deductible, copay or visit limit.
Does private insurance cover home care for seniors?
Most private plans cover skilled home health care that is medically necessary. They usually do not cover non-medical companion care.
Do I need a doctor's order to use my insurance?
Yes. Most private plans require a doctor's order, and many require prior authorization before the first visit.
What if my plan only covers a few visits?
If you reach your plan's limit and still need help, we can talk about private pay or other programs you may qualify for.
Can I use my insurance for physical therapy at home?
Often, yes. If your doctor orders physical therapy for an injury, surgery or illness, many plans cover home visits.
Related to insurance-covered home health
Last updated: October 2026