top of page

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.

Featured Posts
Check back soon
Once posts are published, you’ll see them here.
Recent Posts
Search By Tags
No tags yet.
Follow Us
  • Facebook Basic Square
  • Twitter Basic Square
  • Google+ Basic Square
bottom of page