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Paying for Home Care

Care giver sits and plays checkers with a man and woman

It is a common misconception that the care a person needs as they age will be provided to them through Medicare or their private health insurance. Medicare and health insurance cover important therapeutic and curative services that are meant to treat particular health issues, but these issues can create needs beyond medical care.

When someone is living with a health condition or chronic illness, they often experience difficulty with the basic activities of daily living, such as grooming and bathing, getting dressed, etc. Home care services are meant to provide for these needs outside of medical care that a person experiences because of a medical issue or as part of the aging process. Home care services are not covered through private or public health insurance, except in the relatively rare cases of Medicare Advantage eligibility, or for those who qualify through Medicaid.

Individuals receiving home care services predominantly pay privately out of pocket, using cash resources or other liquid investments they’ve saved for retirement living expenses. Home care is also covered through Long Term Care insurance, Medicaid (for those who qualify), Veterans Aid and Attendance Benefits, and sometimes through grants provided by local non-profits and disease organizations. The majority of Homewatch CareGivers clients pay privately or through their Long Term Care insurance policy.

The cost of home care varies based on the regional cost of living, the breadth of services provided, and the quality and training of the caregivers providing care. For most people, the amount of home care they need to remain safe and comfortable at home can be more affordable when provided through regularly scheduled in-home caregivers than by living full time in an assisted living or skilled facility.

As more people want to age in the comforts of home and as the economy and health care system shifts, individuals are increasingly paying out of pocket and using Long Term Care insurance to pay for home care services.

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