How to Pay For In-Home Care Without Digging Into Your Own Pockets

Cedar Woods Team

Aug 8, 2018

For people who are disabled or aging and have trouble managing tasks of daily living on their own, in-home care can be a life saver. Determining how best to pay for home care services can feel overwhelming. Luckily, if paying out of pocket is not feasible for you and your family, there are many other ways to cover the cost.

Use this as a guide to identify options that may work for you.


Medicaid is a government program that helps people with low income and assets pay for health care bills. It covers medical care, like doctor visits and hospital costs, but it also covers, long-term care services provided in nursing homes and at home services.

Medicaid Waivers

Pennsylvania expanded their Medicaid coverage using Home & Community Based Service Waivers to provide services for those that might not be eligible otherwise. Waivers provide funding for in-home health and non-medical home care services. Pennsylvania offers several waivers, each with its own unique set of eligibility requirements and services. To qualify for any of Pennsylvania’s Waiver programs, you must meet the nursing home level of care. In addition, you must have income less than $2,100/month and fewer than $8,000 in resources.

Long Term Care Insurance

To help cover potential long-term care expenses, some people choose to purchase long-term care insurance. Depending on the policy you choose, long-term care insurance can help you pay for the care you need, whether you are living at home, an assisted living facility or nursing home. This type of insurance may also provide other benefits, such as adult day care, care coordination, home modifications and other services.

Health Insurance

Many private insurance policies include some home care service for short-term needs but benefits for long-term care vary depending on the provider. Contact your health care plan to get more information about home care coverage.

Life Insurance

If you have a life insurance policy, you may be able to convert it into a long-term care benefit plan. The plan disburses monthly payments to a long-term care facility on behalf of the individual receiving care. Check with your insurance provider for details.

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