How Do I Pay for Home Care?

Paying for In-Home Care for Yourself or a Family Member

When deciding on home care for yourself or someone you care about, you must be financially prepared.
The cost of hiring a home care company is typically determined by the number of hours of assistance required, any special services required, and the severity of health conditions.

You may consider other options available in case the financial costs do not match your budget.

Caring Nursing Services can provide more information on:

• VA Aid and Attendance Benefits: Veterans are entitled to senior discounts and a VA pension.
  Inquire about VA benefits for veterans’ spouses as well.
• Long-Term Care Insurance: The majority of long-term care insurance policies cover in-home care.
• Medicare: Traditional Medicare benefits are typically restricted, especially when it comes to day-to-day care and support with daily chores.
• Medicare Advantage: A small number of Medicare Advantage plans may cover some home care services as part of the Supplemental Benefits section.
• Medicaid: Medicaid is a government program that assists in the health care needs of diverse groups of individuals, including the elderly.

Even after qualifying, however, it may not be enough to cover the costs of care.

• Back-Up Care: If care arrangements for dependent family members change or fall through unexpectedly, back-up care can give you additional assistance. Backup care is sometimes provided by the employer and can be used for dependent family members of all ages, including children and adults.
• Other Options: Local programs and projects, such as the Area Agency on Aging, disease organizations, and other senior and medical organizations, may be able to provide grants and special funding.
  The services may be covered by workers’ compensation and auto insurance.

Depending on your state, county, insurance plan, and eligibility, many of these options will differ. For further information, please call us toll-free at 888-290-0791.

If you or a loved one requires caregiving services, please contact us for more information about the cost of in-home care and the various payment options available.