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.”
The bulk of home care services are considered ‘private pay’ and are not paid for by Medicare or your typical private medical insurance policy. An exception to that would be Long-term Care (LTC) insurance. Our office specializes in helping our clients with Long-term Care insurance get their claims reimbursed fully and quickly. Learn more about how we can assist with Long-term Care Insurance
Another source of funding is available to qualified US Veterans through the Veteran’s Administration (VA). Our office partners with the VA to help veterans and their family get their approved in-home care and respite benefits. In addition, we partner with Veteran’s Care Coordination to help pre-qualify veterans for additional funding (click here to see how Right at Home Northwest is Supporting our Veterans) and to see whether you may qualify for additional benefits.
In addition to Long-term Care insurance and Veterans Support, there are many other financial options available to you in order to pay for ongoing care services:
- 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 such as COPES, often referred to as "Medical Waiver" programs (age and income qualifications do apply)
Contact our office for more help and assistance in identifying funding sources that may be available to you.