In-Home Care: 4 Ways To Pay

Many people will need in-home health at some point in their lives, either for themselves or a loved one. Unfortunately, this type of care is expensive, so it's important to know in advance how you will pay for it when the time comes. This article focuses on some of the main ways that people in the United States deal with the cost of in-home health care.  


If you have Medicare, it will cover the cost of various in-home care services. For example, the program covers services such as skilled nursing care, although not on a permanent full-time basis, only part-time or intermittent. Medicare will also cover personal in-home care such as dressing and taking a bath or shower for a limited time. Physical therapy and occupational therapy are covered as well. Some types of medical supplies, such as bandages, are covered. Prescriptions drugs, however, are not. 


For low-income individuals who have Medicaid coverage, the program pays for a range of in-home care services. This includes nursing care and help with your daily activities. The Medicaid program is administered by the states, so the exact in-home services that are available vary from state to state. The requirements for eligibility for in-home care services vary from state to state as well. To determine the specific options offered and whether you qualify to receive them, contact the Medicaid administration office of your state.  


If you are a veteran of the Armed Forces,  you may qualify for in-home care from the Veterans Administration, also called the VA. For example, the VA contracts with local health care agencies that provide skilled caregivers for short-term services, such as case management and personal care. Another program offered by the VA, the Family Caregivers Program, provides financial assistance for family members who care for a qualifying veteran. The U.S Department of Veterans Affairs website has more information about the program. 

Private Insurance 

Many private insurers offer in-home health care. Generally, they tend to offer the same options that are available under the Medicare program, such as temporary skilled care. As a rule, they do not cover any type of personal care, such as assistance with routine activities. 

You have a variety of ways to cover the cost of in-home health care services if they are ever needed. The best choice for you depends on a variety of factors, such as your income level and your eligibility for various government programs. Click here for more information.