9 Questions Every Home Health Care Provider Should Ask Their Employer

As a new home health care provider, you may have some questions before you start your career. What are my job responsibilities? What is the compensation? And do I need individual home health aide liability insurance? At CM&F, we want to provide you with more than just affordable home health aide or caregiver liability insurance. We want to be your go-to resource as you advance your career. The following list of questions are important to review with your new employer, or even with your existing employer as you change positions. Use the below guide to help you get the answers you need as you move on in your career – and whether or not you need to invest in your own home health care provider insurance.

What are the job responsibilities of a home health care provider at your company?

The responsibilities of a caregiver companion, home health aide, or CNA can span a variety of areas depending on the field you enter, the size of your place of employment, or even local laws and regulations enforced by the state medical board. It is always a good idea to clarify what your daily responsibilities are, what your employer’s expectations are, and what you are legally allowed or not allowed to do within your scope of practice.

Are there any continuing education opportunities to further my career as a home health care provider?

The home health care profession undergoes changes all the time. As the laws change, and the medical boards expand the roles of caregivers, advancing your education, keeping current with medical best practices or getting specialty certificates for specific fields of medicine are just a few of the myriad ways home health care providers can expand their career.

As you work to further grow your career in the home health care field, it is especially vital to have a personal home health care liability insurance policy. Even if your employer is encouraging or paying for you to get continuing education, their liability insurance policy will not cover you outside of the office and your regular working hours.

CM&F’s malpractice insurance for home health providers is comprehensive and flexible, designed to fluctuate with the changing relevant laws, so you know you are always covered within scope of practice as outlined within your policy.

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Are there any home health care professional associations that I should consider joining?

Each state has local home health care associations or chapters of a larger national organization to join. Some of the more popular associations include the National Association for Home Care & Hospice or the Home Care Association of America. We support working with national or local home health care programs that help further the education of caregiver companions, aides, as well as certified nursing assistants by keeping their personal livelihood protected from future medical malpractice claims.

Find out from your employer if membership comes with your employment, or if they provide any additional benefits to you for being a member of a home health care association.

As an employee, do I have home health care provider liability insurance coverage?

We insure home health agencies and businesses, so we know firsthand that your employer’s policy will not have you as their main interest when it comes to malpractice legal cases or settlements.

If your employer does offer home health care liability insurance, what is their coverage plan? Ask for it in writing so you can review it and present it in the future should a malpractice claim arise.

Does the home health care liability insurance start right away?

Make sure there are no gaps in coverage as you transition employment, positions, or insurance companies. Reach out to CM&F’s client services team for advice or assistance as you consider your home health care liability insurance coverage options.

Should I have my own independent home health insurance plan?

Having your own personal home health care liability insurance policy will ensure that your interests are the priority and that your personal assets are protected. CM&F’s individual home health care malpractice insurance options are attached to you, covering you wherever you go and wherever you work.

What is the starting salary of my position? How does that compare to the average?

Salary negotiations are often a tough subject for interviewees, newly hired, or newly promoted employees. Make sure to do research on the starting, average, and maximum salary rates for your position, in your medical field, in your state. With the salary being offered, also be sure to measure the additional benefits like PTO, continuing education, or access to a personal home health care provider liability insurance policy.

What is the cost of home health care liability insurance?

The cost of malpractice insurance for home health care providers varies depending on the position, type of coverage, and location. With CM&F, liability insurance is affordable and comprehensive leaving no gaps in coverage. Our competitors cannot match our low prices as well as our encompassing coverage plans. To learn more about pricing for your specific profession in your state, give us a call or get an instant quote online.

What do I need to do to succeed as a home health care provider?

Know the expectations of your employer. If you know the expectations and meet or exceed them on a regular basis, as well as show drive and motivation to grow, your career will advance in no time. CM&F is adamant about protecting the livelihood of home health care providers for this very reason. A professional home health care liability insurance policy with CM&F eliminates personal financial risk, damages to your reputation, as well as license or medical board repercussions.

The CM&F Advantage

The Most Comprehensive and Reliable
Malpractice Insurance
on the Market

CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to home health care providers and agencies has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital liability coverage with:
  • A++ Rated Insurance & Lowest Priced Home Health Care Liability Insurance Products
  • Outstanding Customer Service with a Direct Contact Line
  • Superior Claims Management
  • Fast Automated Application Process
  • 24/7 Access to Your Personal Online Document Archive

Resources for Home Health Care Providers

At CM&F, we believe in the importance of a lifelong relationship, and in order to build that we are dedicated to being an educational resource for home health care providers. To accomplish this we have compiled a vast amount of information from salary figures, to evaluating coverage options, and even blog posts written by fellow healthcare professionals.

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