How to Pay for Home Care

Helping you figure out how to pay for your in-home care services is part of our job. Our insurance specialists verify benefits eligibility for thousands of people, each and every week.

How much does home care cost?

When you call us, we can provide you with the hourly rates for our services, and help you find out if the services you need are covered by insurance or another benefit. We can contact Medicare, Medicaid, the VA, or your insurance provider(s) on your behalf to find out exactly what your policy or benefits include. We can even help you secure authorizations and fill out any paperwork that’s required. We are here to help you, every step of the way.

How do I pay for home care?

Our interactive chart shows what payment options are most common for our different types of home care services.

Step 1: Select a type of home care (Private Pay, Worker’s Compensation, Medicaid, Medicare, Health Insurance, Veterans’ Benefits and Long term Care Insurance) to see the most common ways those services are paid.

Step 2: Contact us to talk to an expert who will help you determine what your personal payment mix might look like based on your situation and any insurance or benefits you have.

Private Pay (by credit card or check)

Out of pocket is always an option! We’re always happy to assist you and your family if you wish to pay privately for in-home care services. We’re dedicated to helping you find a plan that fits your budget and provides the care your family needs.

Workers’ Compensation

If you need home care because of something that happened on the job, your employer’s Workers’ Compensation benefits may cover some or all of your home care service costs.


Medicaid is a state government program that provides health insurance and medical assistance to people who meet income eligibility requirements. If you have Medicaid, we can help you understand for which services you may be eligible.

Health Insurance

Depending on your policy and coverage, your major medical insurance provider (such as Aetna, Blue Cross Blue Shield, Humana, and others) may pay for some or all of your home care services.

Veterans’ Benefits

If you are a U.S. Veteran, you may be eligible to have the government pay for medical treatment, personal care, and assistance at home.

Long-term Care Insurance

If you have long-term care insurance, your policy may cover certain nursing and personal care/assistive care services that are not covered by Medicare or traditional insurance.


Medicare is the U.S. government’s health insurance program for people 65 and over. Home health care services are 100 percent covered by Medicare when qualifying conditions are met.