Private Pay Options for Home Care

Non-medical in-home care includes assistance with activities of daily living (ADLs) like remembering to take medications, preparing meals, transferring from a chair, toilet or bed, bathing, getting dressed, light housekeeping or transportation to and from doctor’s appointments.

Unfortunately, these services are not typically covered by Medicare or health care plans.

Despite this fact, there are waiver and VA programs available for those who qualify based on income and need level.

Finally, there are a variety of Private Pay options for those who have access to more assets.

Learn more about some of these options below.

Private Pay

Many families pay for home care services directly out-of-pocket. Private pay sources include savings, annuities, investments, pensions and asset liquidation of items no longer needed such as motor homes, automobiles and vacation homes.

Long-Term Care Insurance

Though becoming more expensive and less available, comprehensive long-term care policies typically cover skilled nursing care, intermediate care, custodial care, adult day care, and hospice care.

Sibling Agreements

Siblings and other family members may work together to pay for the home care needed. The costs may be shared or a more financially secure person may pay and get fully or partially reimbursed through the estate.

Reach out to Traditional Home Care to discuss these options and what we can do to help you through the process.