How to Pay for In-Home Care
By Candace Rotolo
When chronic health conditions, recovery from an illness, dementia, or even the normal aging process make it difficult for a senior to live at home safely, in-home care can provide the assistance needed to age in place and carry on daily routines. When considering this option, many families are concerned about the cost and their payment options.
In determining how to pay for home care, it is important to clarify the type of care needed. Medically necessary home health care is likely to be covered by a combination of payment options, whereas non-medical home care provided by unskilled caregivers is typically paid for out of pocket. Use this guide to identify the combination of options that will work for your family.
Paying for In-Home Care with Insurance
Medicare Coverage for Home Care
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with end-stage renal disease.
In most cases, when ordered by a physician, Medicare will pay for short-term medically necessary services provided in a home setting. A senior who requires only non-medical care, will NOT qualify for Medicare coverage of these services.