From Medicaid to Private Pay: Navigating How to Afford Quality In-Home Care
As your loved one’s needs evolve, finding the right home care is only part of the journey—the other part is figuring out how to pay for it. At Selfless Life, we’re proud to now offer more flexible payment options, including acceptance of Medicaid, as we continue to support families in getting the care they need and deserve.
Here’s a breakdown of the most common ways to pay for in-home care:
1. Medicaid (Now Accepted at Selfless Life!)
Medicaid is a state and federally funded program that helps low-income individuals and families cover health care costs—including home care. Eligibility and covered services vary by state, but this option can be a lifeline for many.
If your loved one qualifies for Medicaid, they may be able to receive in-home support services such as personal care, homemaking, and even skilled nursing at little to no cost. We are now proud to be an approved Medicaid provider, making this option more accessible for the families we serve.
2. Community Options Waiver (CO Waiver)
The Community Options Waiver is part of Medicaid but deserves a spotlight of its own. It’s designed for individuals who need a nursing home level of care but prefer to receive that care in their own home or community.
This waiver may cover:
- Personal assistance
- Case management
- Respite care
- Medical day care
- Home modifications
Our Selfless Life team can help you determine if you or your loved one may qualify for this program and assist with the application process.
3. Private Pay
Many families choose to pay out-of-pocket for home care services. This route provides the most flexibility when it comes to the type and frequency of care, without the eligibility restrictions of government programs.
At Selfless Life, we work with each client to develop a customized care plan that fits both their needs and their budget.
4. Long-Term Care Insurance
If your loved one has a long-term care insurance policy, it may cover in-home care services. These policies vary greatly, so it’s important to review the benefits, limits, and required qualifications.
Our team at Selfless Life can coordinate with your insurance provider to simplify the billing process and help you maximize your policy.
5. Veterans Affairs (VA) Benefits
Veterans and their spouses may qualify for in-home care through various VA programs, including:
- Aid and Attendance
- Veteran-Directed Care
- Homemaker and Home Health Aide Programs
These benefits can be underused simply because families don’t know they exist. If your loved one served in the military, Selfless Life would be honored to help you explore your options.
6. State and Local Programs
In addition to federal and private options, many states and local governments offer support programs for seniors and individuals with disabilities. These may include transportation services, meal delivery, and home care assistance through aging agencies.
Our care coordinators at Selfless Life are happy to help you identify local resources and navigate the application process.
Let’s Talk About Your Needs
Choosing the right home care provider is a big decision—but figuring out how to pay for it shouldn’t be overwhelming. Selfless Life is here to guide you through every option, answer your questions, and build a care plan that works for your family.
Ready to get started? Contact Selfless Life today to schedule a free consultation and learn more about your payment options.