Home Visits

This exclusion on a medical insurance policy means that home visits are seldom covered by a medical insurance plan unless they are necessary after the sudden onset of an acute illness that leaves you incapable of visiting your doctor or therapist. Historically, home visits were much more common and in the early 1930s, house calls by doctors were 40% of doctor-patient meetings. However, this has decreased over time, and by 1980, it was only 0.6%. Reasons for this decrease include increased specialization and technology, as well as transportation challenges. In the 1990s, home care, including doctor visits, was a minor but growing field in healthcare, particularly for frail older people with chronic illnesses.

The reasons for fewer house calls include concerns about providing low-overhead care in the home, time inefficiency, and inconvenience. However, there is an increase of doctors who like the idea of no office overhead, and it can provide safe access to care by people who are ill and who are not able to visit a clinic or hospital. Today, house calls may be making a revival among the wealthy through concierge telemedicine and mobile apps, which give access to medical advice through the devices you carry in your pockets. It’s important to check with your insurance company or to consult your policy’s terms and conditions to know if home visits are covered, and under what conditions.