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800.449.0645 Caregiver Support

How to Pay for In-Home Care for the Elderly

homecare paymentWhen seniors reach an age that they require the assistance of an in-home care provider, they are often financially ill-equipped to pay for home care services themselves. While aging in place typically costs far less than a traditional assisted living facility, in-home care can also have a major price tag associated with it depending on the amount of service required.

If you are a senior citizen or family caregiver seeking assistance with paying for in-home elder care, there are a number of public and private programs that may help pay for elder care services through reputable agencies utilizing a home care software or home care system:

1. Medicare:

Available to all Americans aged 65 and older, Medicare is available to provide home care services that have been prescribed by a physician to a senior requiring skilled in-home care. Often, this kind of care will be associated with recovery from an illness or injury, or a long-term medical condition. While service must be skilled in nature and prescribed by a doctor, some assistance with activities of daily living may also be covered as a part of care. Agencies must be Medicare certified to provide service eligible for Medicare reimbursement. Look for an agency that is certified and utilizes a home care software or home care system to track their care plans and progress to ensure accurate billing to Medicare.

2. Veteran’s Administration:

Seniors who have served in our Nation’s armed forces, and are at least 50% disabled, may be eligible to receive home care services similar to those covered under the Medicare program at no cost. To receive service from the V.A.’s home care system, Veteran’s must use a home health agency based out of a Veteran’s Administration hospital.

3. Social Services Block Grants:

Each state receives blocks of money from the Federal government each year that is allocated to communities based on the need for certain services. One common area of need is non-medical home care, or home maker services. To see if there are any low or no-cost home care programs available through block grant money, contact your State department on aging. If money is available, request to work with an agency using a home care software or home care system, like ClearCare, to track your needs.

4. Older Americans Act:

Like social services block grants, the Older Americans Act is designed to provide funding to State and Local aging organizations to provide home care and other senior support services. However, the Older Americans Act is considered the largest vehicle for funding distribution. Check with your local and state aging commissions for availability of Older Americans Act funding and to find out if agencies using a home care software or home care system are available to work with.

5. Community Organizations:

Various non-profit organizations may also offer payment assistance for in-home elder care services. Research resources in your area to see what non-profit assistance programs equipped with home care software or a home care system are available.

Learn more about ClearCare:

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