Yes, but coverage depends on the type of care needed. Most major commercial health insurance plans in New Hampshire (including Anthem Blue Cross Blue Shield, Cigna, and UnitedHealthcare) cover Skilled Nursing and therapeutic services when they are deemed medically necessary by a physician. However, "custodial care" (such as help with dressing or light housekeeping) is generally not covered by standard health insurance and is typically paid for through Long-Term Care Insurance or private funds.
To utilize your commercial policy for skilled nursing at home:
- Clinical Assessment: Our RN Director of Nursing performs a comprehensive assessment to document the medical necessity of the services.
- Physician Orders: Your doctor must provide a signed order for skilled services (e.g., wound care, IV therapy, or ventilator support).
- Prior Authorization: Our administrative team works directly with your insurance provider to secure the necessary authorizations. Note: We are experienced in coordinating with various New Hampshire payers to ensure a seamless start of care.
Standard health insurance is designed for medical recovery and "skilled" needs. Long-Term Care Insurance is specifically designed to cover "non-medical" personal care, such as assistance with activities of daily living (ADLs) and memory care for Alzheimer's patients. BrightStar Care of Bedford/Manchester works with many LTC carriers to assist families with the claims process and documentation required for reimbursement.
Yes. We are a trusted provider for Workers’ Compensation cases in Southern NH, helping individuals transition from hospital to home after a workplace injury. We also support our local veterans through VA Community Care programs and TriWest benefits, ensuring those who served have access to the highest standard of home nursing.
