Cost, insurance & payment options for homecare.
What homecare costs depends on the service, the schedule, the location, and what each family already has in place. This page describes the routes families most often ask about — Medicaid, Medicare Advantage, long-term care insurance, private pay, and combinations of those — and the questions to bring to the first call.
Coverage, eligibility, and pricing must be confirmed directly with a care coordinator and the relevant plan before any commitment.
The kinds of coverage families ask us about.
Each route below is described in general terms only. Final eligibility, authorized hours, and out-of-pocket amounts must be confirmed for your specific situation.
Medicaid programs
Some homecare services may be covered by Medicaid or Medicaid Managed Long Term Care (MLTC) plans in certain states. Eligibility, hours, and authorized services vary. A care coordinator can help you understand which questions to take to your case manager.
Medicare Advantage
Certain Medicare Advantage plans include in-home services or post-acute benefits. Coverage details, networks, and authorization rules differ by plan. We can review the questions to ask your plan before scheduling.
Long-term care insurance
If you carry a long-term care policy, benefits depend on the policy's elimination period, daily maximum, and triggers. Bring the policy to the first conversation — we will help you read it.
Private pay
Many families choose private pay for the flexibility it offers — hours, services, and caregivers without third-party authorization. Rates depend on the level of care, the schedule, and the location.
Veterans benefits & community programs
Veterans and surviving spouses may have access to programs that defray homecare costs. Community-based options vary widely by county and state. A care coordinator can point families to programs to ask about.
Combinations
Many real households mix routes — a Medicaid-approved schedule plus private-pay hours on the weekend, or LTC reimbursement against a higher-need care plan. We will help map a combination that fits.
Five questions that help us help you faster.
You do not need every answer in advance. A care coordinator will walk through each of these with you; the more is known on the first call, the more useful the next step will be.
What kind of help is needed, and roughly how many hours a week?
Is there a recent hospital discharge, a new diagnosis, or a change in mobility?
Is Medicaid, Medicare Advantage, long-term care insurance, or veterans benefits already on the table?
Is there a primary family caregiver who needs respite, or is care needed full-time?
Which state is the care taking place in, and which county or city?
We can help you understand the next step, before any commitment.
The first conversation is free. A care coordinator walks through what your situation usually involves, what is typically covered for that kind of care, and what to confirm with your plan. Final coverage and eligibility must be confirmed directly.
What happens after you request care.
Six clear steps, no obligation. The first conversation is free and the in-home assessment is free; you decide what comes next.
You submit a request
Fill out your name, your needs, and the best time to reach you. Our care coordinators will be in contact.
A care coordinator calls
Every call is handled the same day during business hours. The coordinator who calls is the one who stays with your case.
We talk through the situation
Needs, schedule, location, and any insurance questions are mapped on the first call, in plain language.
Free in-home assessment
If you'd like, one of our Registered Nurses can visit at no charge to see the home and meet the person in care.
Caregiver matching begins
Where caregivers are appropriate, we propose one to three options that best serve the client. The family can pick who they find most suitable.
Care continues, with one number
Plans are reviewed monthly by our nursing team and adjusted as life changes. The same coordinator picks up the phone.
Final coverage and eligibility must be confirmed directly with the care coordinator on the first call.