Introduction
As we step into 2025, the home care industry is undergoing significant transformations due to new laws, policy changes, and expanded offerings from Medicare Advantage plans. These shifts are designed to improve access to quality care, particularly for seniors who prefer to age in place. At Eminent Caring Hands, we are excited about these changes and committed to helping families navigate these options. In this blog, we’ll highlight some key changes to home care funding and policies that can benefit families in 2025.

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New Laws Enhancing Caregiver Support
One of the key developments in 2025 is the introduction of new laws to increase support for caregivers. Respite care funding has been expanded, and policies are now allowing for greater flexibility in home care services. Many Medicare HMOs are incorporating non-medical home care options, like Personal Care Services (PCS), into their offerings. Leading Medicare Advantage providers like Humana, Aetna, and Cigna are providing members with additional coverage for home health aides, meal delivery, and even home modifications that support aging in place. These changes make it easier for families to access affordable, comprehensive care while reducing the stress on primary caregivers.

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Expanded Coverage from Medicare HMOs
Medicare Advantage plans (Part C), particularly HMOs, have been expanding their coverage for personal care services, giving more seniors access to the services they need at home. Humana and Aetna, for example, have integrated Personal Care Services into their benefits, which can include assistance with activities of daily living (ADLs) like bathing, dressing, and grooming. Cigna has also started offering home care programs that provide non-medical services such as companionship, transportation, and help with household chores. These plans are a crucial part of the home care landscape in 2025, providing families with additional support without having to pay out-of-pocket for services that were once only available through private insurance.

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Changes in Funding and Insurance Coverage
Another major shift in 2025 is how Medicare Advantage plans are covering home care services. As Medicare Advantage continues to grow, more plans are offering robust home care benefits, including coverage for both medical and non-medical home care services. Blue Cross Blue Shield Medicare Advantage and UnitedHealthcare have expanded their policies to include non-medical home care, such as personal care aides to help with daily activities. These additions reflect a growing awareness of the importance of keeping seniors in their homes as long as possible and offering families more options for home care. The increased availability of services covered by Medicare HMOs ensures that more families can access the help they need, often at a lower cost than traditional insurance policies.

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Conclusion
With the growing number of Medicare HMOs offering expanded home care services, 2025 presents an exciting opportunity for families seeking quality, affordable care for their loved ones. From Personal Care Services (PCS) to in-home health aides, the options for senior care are becoming more comprehensive and accessible. At Eminent Caring Hands, we are committed to helping families navigate these changes, offering personalized care solutions tailored to their needs. If you're looking for reliable, compassionate in-home care services, we’re here to help.

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