Finance Care

Financing Your In-Home Care

Is My Home Care Covered By My Medical Insurance?

At-Home Care

No. Despite the fact that home care is vital to the well being of our clients, “private duty home care” is considered non-medical, as opposed to “home health,” which includes skilled nursing, physical therapy, occupational therapy and speech therapy. That means that private duty home care is not covered by Medicare or other forms of medical insurance.

In-Home Care is often a sudden and/or unexpected cost. How will I pay for it?

While we offer some of the most affordable in-home care in the area, the unexpected cost can be a strain on some families. There is plenty of financial aid available for those who choose to stay in their homes, including reverse mortgages, but Long-Term Care Insurance and Aid and Attendance Benefits are the two options that every individual should look into, whether it is for a loved one today or planning for the future.

An increasing number of our clients are obtaining Long-Term Care Insurance Policies. They go a long way in covering the cost of in-home care and live-in convalescent care, if needed. You can find out more at AARP’s Caregiving Resource Center or download their free Long-Term Care Insurance Guide.

Some of our clients may also qualify for Veterans Affairs Aid and Attendance Benefits. The Aid and Attendance program reimburses qualified individuals for a significant portion of home care costs. The process for applying can be complicated and lengthy, but the benefits are well worth it.