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Young Hands Holding Old Hands

Touching The Hearts Of Our Clients One Day At A Time.

Everyday is an opportunity to change someone's life. 

Cost of In-Home Care

If you’re wondering about how to pay for in-home care, keep in mind that there are many options available to you. Researching these options based on you or your loved ones’ financial situation is critical to finding the most advantageous way to pay for care. Don’t hesitate to call us if you have any questions.

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Some of the most common options to pay for senior care include:

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  • Private Pay/Out of Pocket – Most families pay for in-home care for a loved one out of pocket. This is true of many elderly care services, including assisted living. While in-home care is typically more affordable than facility care, costs are determined based on the type of care and the number of hours a senior needs. We recommend that anyone interested in finding out more contact us to discuss what would be included in your plan, and whether personal care, companionship or sitter is needed. Determining out-of-pocket costs and how to minimize them is best done after considering all your options. To find out more about the cost of care for you or a loved one, please contact us to discuss your specific situation.

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  • Long-Term Care Insurance / Medicaid Manage Care Programs – Long-term care insurance can help pay the costs of care. For seniors that do have long-term care insurance, our office can help answer questions about the paperwork needed to start using this specialized type of coverage.

       - United Health Care

       - Humana

       - Wellcare

       - Carolina Complete

       - Vaya Health

       - Healthy Blue

       - Many more insurances

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  • Veterans Administration (VA) Aid – Veterans and their surviving spouses may qualify for VA benefits to cover some of the cost of in-home care. VA programs were designed for those who meet specific financial criteria and demonstrate physical need for in-home care.

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  • Medicaid and State Programs – Medicaid, the largest public payor for long-term care, may cover some in-home care services. A Medicaid provider can answer questions about in-home care coverage. 

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  • Medicare - Medicare does not cover In-Home Care. There are programs that offer limited personal care services to medicare individuals. In some select areas, Medicare Advantage plans may be available. Check your insurance plans for additional information. 

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