As seniors and their families continue to choose in-home care over more expensive nursing homes and assisted living facilities, it is wise to explore affordable ways to pay for at-home care.
Paying for Home Care
Every family we serve receives a Custom Care Plan specific to their needs and budget. Our home care services are billed on an hourly rate. This makes it easy to make a Custom Care Plan for your loved one. To discuss the exact rates for our home care services, contact our office. We'll set up an in-home consultation to begin discussing a Custom Care Plan.
We always provide a written rate sheet prior to initiating care services. Rates will never be increased without at least thirty days notice.
What sets us apart?
We have no minimums for the length of shifts or frequency of care. Without minimums, the cost for care is lowered by ensuring that you only pay for the care that you need. In addition, our flat rates allow us to hire the most qualified caregivers for our clients.
We use Private Pay.
Through Private Pay, you pay Right at Home directly for the provided home care services, without a third party means of payment. Following care, we can provide all necessary documentation for you to submit to your insurance provider for reimbursement.
Billing is set up in advance through ACH secure payments. Home care is billed electronically on a weekly basis. We recommend ACH secure account draws, but we also accept credit cards (Visa and Master Card) or refundable deposits.
Why do we use Private Pay?
With Private Pay we can provide the best care plan for your loved one without restrictions. Working with insurance companies or other third-party payers would limit the efficiency and capability of our services by delaying us from providing care when it is needed. At Right at Home our top priority is provide the best quality of care as soon as it is needed and with Private Pay we can start care the same day that you call.
Will medical insurance cover our in-home care services?
No. Although our home care services are important for your health and well being, our services are non-medical and are not covered by medical insurance.
How do you pay for home care services?
Following care, we can provide all necessary documentation for you to request reimbursement from your insurance company. 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".
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 Accounts (HHAs) or Flexible Spending Accounts (FSAs)
- Family trust funds
- Employee-sponsored caregiving stipends, such as “Backup Care” programs for employees who are adult caregivers and travel for work
- Workers’ compensation insurance
- State-subsidized home- and community-based services, often referred to as “Medicaid Waiver” programs (Age and income qualifications apply.)
- Veterans Aid and Attendance
- Catastrophic auto insurance
Some ways to pay for Private Pay Home Care
Many individual clients and/or their families pay for home care from their own assets, investments or savings. Some family members each contribute to together pay for their loved one’s caregiver costs. Liquidating possessions that a senior no longer uses such as vacation homes, vehicles, boats, land, livestock, etc. is another source of finances for home health care. Accessing equity in the loved one’s home is also a common financing option.
Veteran's Aid and Attendance
If a client would like more information about how to access Veteran’s Aid and Attendance, we can offer referrals to qualified groups that help Veterans through the qualification and application process.