Phyllis Petruzzelli spent the week before Christmas struggling to breathe. When she went to the emergency department on Dec. 26, the doctor at Brigham and Women's Faulkner Hospital, near her home in Boston's Jamaica Plain neighborhood, said she had pneumonia and needed hospitalization.Then the doctor proposed something that made Petruzzelli nervous: Instead of being admitted to the hospital, she could go back home and let the hospital come to her.As a "hospital-at-home" patient, Petruzzelli learned, she would get home visits from doctors and nurses who would come twice a day and perform any needed tests or bloodwork.A wireless patch, a little bigger than her index finger, would be affixed to her skin to track her vital signs and send a steady stream of data to the hospital. If she had any questions, she could talk face-to-face via video chat anytime with a nurse or doctor at the hospital.Hospitals are germy and noisy places, putting acutely ill, frail patients at risk for infection, sleeplessness and delirium, among other problems. "Your resistance is low," the doctor told Petruzelli, who turns 71 this week. "If you come to the hospital, you don't know what might happen. You're a perfect candidate for this."So Petruzzelli agreed. That afternoon, she arrived home in a hospital vehicle. A doctor and nurse were waiting at the front door. She settled on the couch in the living room, with her husband, Augie, and dog, Max, nearby. The doctor and nurse checked her IV, attached the monitoring patch to her chest and left.When Dr. David Levine arrived the next morning, he asked why she'd been walking around during the night.Far from feeling uncomfortable that her nocturnal trips to the bathroom were being monitored, "I felt very safe and secure," Petruzzelli says. "What if I fell while my husband was out getting me food? They'd know."After three uneventful days, she was "discharged" from her home hospital stay, and the equipment removed from her home."I'd do it again in a heartbeat," Petruzzelli says.Brigham Health in Boston is one of a slowly growing number of health systems that encourage selected emergency department patients who are acutely ill, but stable and don't need intensive, round-the-clock care, to opt for hospital-level care at home.In the couple of years since Brigham and Women's Hospital started testing this type of care, hospital staff who were initially skeptical have generally embraced it, Levine says."They very quickly realize that this is really what patients want, and it's really good care," he says.This approach is quite common in Australia, England and Canada, but it's faced an uphill battle in the United States.A key obstacle, clinicians and policy analysts agree, is getting health insurers, whose systems aren't generally set up to cover hospital care provided in the home, to pay for it.At Brigham Health, the hospital can charge an insurer for a physician house call, but the remainder of the hospital-at-home services are covered by grants and funding from Partners HealthCare's Center for Population Health, which is affiliated with Brigham Health, says Levine.Health insurers don't have a position on hospital-at-home programs, says Cathryn Donaldson, a spokeswoman for America's Health Insurance Plans, an industry trade group."Overall, health insurance providers are committed to ensuring patients have access to care they need, and there are Medicare Advantage plans that do cover this type of at-home care," Donaldson said in a statement.Levine, a clinician-investigator at Brigham and Women's Hospital and an instructor at Harvard Medical School, was the lead author of a study published last month that reported the results of a small, randomized, controlled trial comparing the health care use, experience and costs of Brigham patients who either received hospital-level care at home or in the hospital in 2016.The 20 patients analyzed in the trial had one of several conditions, including infection, heart failure, chronic obstructive pulmonary disease or asthma. The trial found that while there were no adverse events in the home-care patients, their treatment costs were significantly lower — about half that of patients treated in the hospital.Why? For starters, labor costs for at-home patients are lower than for patients in a hospital, where staff must be on hand 24/7. Home-care patients also had fewer lab tests and visits from specialists.The study found that both groups of patients were about equally satisfied with their care, but the home-care group was more physically active.Brigham Health is conducting further randomized controlled trials to test the at-home model for a broader range of diagnoses.Dr. Bruce Leff, a professor of medicine and director of Johns Hopkins Medical School's Center for Transformative Geriatric Research, began exploring the hospital-at-home concept more than 20 years ago. His early studies were conducted at Veterans Affairs medical centers and Medicare Advantage plans that found fewer complications, better outcomes and lower costs in home-care patients.Caregivers reported less stress, Leff's research found. For caregivers, traveling to an unfamiliar hospital, finding and paying for parking and trying to time bedside meetings with clinical staff — all the while worried about a loved one's health — is wearing, health care researchers note.However, hospitals, accustomed to the traditional "heads-and-beds" model that emphasizes filling hospital beds in a brick-and-mortar facility, have been slow to embrace change.There are practical hurdles, too."It's still easier to get Chinese food delivered in New York City than to get oxygen delivered at home," says Leff.Since Mount Sinai's seven-hospital system launched its Hospital-at-Home program in New York City in 2014, more than 700 patients have chosen home over hospital care. Patients can be referred to the program from selected emergency departments as well as from some Mount Sinai primary care practices and urgent care centers; the patients have fared well on a number of measures.The average length of stay for acute care was 5.3 days in the hospital versus 3.1 days of treatment for home-care patients, while 30-day readmission rates for home-based patients were about half of those in the hospital: 7.8 percent versus 16.3 percent for the two-year period ending in December 2016.Begun with a three-year, $9.6 million grant from the federal Center for Medicare & Medicaid Innovation in 2014, Mount Sinai's program initially focused on Medicare patients with six conditions, including congestive heart failure, pneumonia and diabetes. Since then, the program has expanded to include dozens of conditions — including asthma, high blood pressure and serious infections like cellulitis — and is now available to some privately insured patients and people on Medicaid.The health system has also partnered with Contessa Health, a company with expertise in home care, to negotiate contracts with insurers to pay for hospital-at-home services.Among other things, insurers are worried about the slippery slope of what it means to be hospitalized, says Dr. Linda DeCherrie, clinical director of the mobile acute care team at Mount Sinai Health System."[Insurers] don't want to be paying for an admission if this patient really wouldn't have been hospitalized in the first place," DeCherrie says.Kaiser Health News is an editorially independent news service that is part of the nonpartisan Henry J. Kaiser Family Foundation. Follow Michelle Andrews on Twitter: @mandrews110. Copyright 2018 Kaiser Health News. 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