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:

  • Long-term care insurance
  • Reverse mortgages
  • Employer-sponsored Health Savings Account (HSA) or Flexible Spending Account (FSA)
  • Employee-sponsored caregiving stipends, such as "Back-Up Care" programs for employees who are adult caregivers and travel for work
  • Family trust funds
  • Workers' compensation insurance
  • Catastrophic auto insurance
  • State-subsidized home- and community-based services, often referred to as "Medical Waiver" programs. (Age and income qualifications do apply.)
a791734a-18e3-4c79-890e-ca961ada3a84 https://www.rightathome.net/ CountrySite