How Do I Pay for Home Care Services

Medicare, Medicaid and most employer-sponsored HMO and PPO plans will only reimburse you for intermittent visits from a home care nurse on a temporary basis and only when your loved one has a specific qualifying medical diagnosis. In general, these types of insurance policies are not designed to pay for ongoing, hourly caregiving services that are classified as “Long-Term Care.” (Use the Official Medicare Eligibility Tool to learn more.)

That said, there are many other financial options available to you in order to pay for ongoing care services:

I want you to know how much we have enjoyed [caregiver] and what a godsend she has been-very calming-speaks softly-and doesn't let Mom get the best of her. I had to take Mom to the doctor on Monday and [caregiver] went with us. I couldn't have made it without her. Mom is harder to get along with these days which I know is common as health problems worsen but it was really beneficial to have [caregiver] "voice of reason". Mom really responded to her and that took the pressure off of me. Having [caregiver] is such a relief to me.

Julie - Daughter