Cost of In-Home Care  

Private Pay/Out of Pocket

Overview: 

• Most families choose to pay for in-home care for a loved one out of pocket. This is true for many senior care services, including assisted living. While in-home care is generally more affordable than facility-based care, costs are determined based on the type of care and the number of hours a senior needs. We recommend that anyone interested in finding out more contact a Top-Tier Home Care office to discuss what would be included in a custom care plan, and whether personal care, companionship, or respite care is needed.

Minimizing Costs: 

• Determining out-of-pocket costs and how to minimize them is best done after considering all your options. To find out more about the cost of care for you or a loved one, please contact a local Top-Tier Home Care office to discuss your specific situation.

Long-Term Care Insurance

• Overview: Long-term care insurance can be a valuable resource to help pay the costs of care. For seniors who have long-term care insurance, a local Top-Tier Home Care office can assist in answering questions about the paperwork needed to start using this specialized type of coverage.

Veterans Administration (VA) Aid and Attendance Pension Benefit

• Overview: Veterans and their surviving spouses may qualify for VA benefits to help cover some of the cost of in-home care. VA programs were designed for those who meet specific financial criteria and demonstrate physical need for in-home care. Please contact Top-Tier Home Care to find out more about in-home care and veteran's benefits.

Medicaid and State Programs

• Overview: Medicaid, the largest public payer for long-term care, may cover some in-home care services. A Medicaid provider or a Top-Tier Home Care office can answer questions about in-home care coverage.

Medicare

• Overview: It's important to note that Medicare does not typically cover the costs of in-home care. However, in some select areas, Medicare Advantage plans may be available. Coverage varies by state and location, so it's recommended to check your plan for additional details.