Paying for Home Care

As you consider your healthcare options, many people first consider their finances. Depending on your needs, home care is often the lowest cost option when compared to assisted living, adult day care, or nursing home care. While paying for home care can seem intimidating and complicated, it doesnt have to be. Our staff can help you design a plan that meets your needs and also find the best way to pay for your home care.

Long Term Care Insurance The first step in planning for your home health care needs is to determine if you have a long-term care insurance plan. Many long term care insurance policies will pay for home care which is your best option. If you have a policy, check to see if it covers long term, in-home care. If you arent sure, our staff will be happy to help you understand your policy.

Veterans Affairs Aid & Attendance Program If you served in the military, the Veteran Affairs Aid and Attendance Pension program offers families and individuals an additional method of meeting or reducing vital home care costs. For qualifying veterans and their spouses, the A&A Pension may provide a monthly stipend to a veteran, a surviving spouse or to a couple depending on your income level. If you are not sure about your eligibility, contact our staff. We can help you understand and apply for the VA benefits.

Private Funds Many of our clients decide to pay for home care with personal funds. If you would prefer to pay for your home care privately, call us for a confidential consultation. Also, if you established a Health Care Trust Fund, we can work with you and your advisors. We can design a program to meet your home care and financial needs.

Medicaid and Medicaid Waiver Programs Our Personal Home Care service is Marylands largest Medicaid waiver home care provider and our specialty is helping clients who qualify for Medicaid assistance. These programs provide financial assistance with long term home care for Medicaid recipients who have a chronic illness, medical condition or disability. Qualified applicants must meet both the Medicaid Programs financial and medical requirements. Your local health department will determine your eligibility. Once you are determined eligible, you would simply elect Personal Home Care as your home care agency and we will work with your case manager to develop a specific care plan for your needs. To see if you qualify, call our staff to discuss the application and how we can help you navigate the process.