Understanding Your Insurance Coverage for Home Care

When a loved one needs help at home, many families ask the same question: "Will insurance cover this?" The answer depends on the type of care your loved one needs and what kind of insurance they have. Coverage can vary widely between health coverage, long-term care insurance, and veterans' benefits, each with its own rules and eligibility requirements. At Comfort Keepers of Lake Havasu City, we’re here to help families make sense of it all, so seniors can continue living safely and comfortably at home. 

What Types of In-Home Care Are There?

At Comfort Keepers, we offer non-medical home care in Lake Havasu City, AZ, which includes:

• Help with bathing, dressing, and grooming

• Meal preparation and light housekeeping

• Companionship and help staying socially connected

• Specialized care for Alzheimer’s and dementia
  
  

These services support independent living, but they are different from home health care, like skilled nursing or physical therapy.

What Insurance Covers In-Home Care?

1. Long-Term Care Insurance

If your loved one has long-term care insurance, it may cover many of the services Comfort Keepers provides. Every policy is different, so check what types of care are included and how claims are submitted. We’re happy to help you review the policy and coordinate coverage.

2. Veterans' Benefits

Veterans and their spouses may qualify for in-home care assistance through the VA Aid and Attendance benefit. This can help pay for home care like bathing help or dementia care.

What If Insurance Doesn’t Cover Everything?

Many families use a mix of resources, including:

• Out-of-pocket payments

• Help from family members.

• Community support or grants

At Comfort Keepers of Lake Havasu City, we work with you to build a care plan that fits your loved one’s needs and your family’s budget.

Let’s Talk About Your Options

Every senior deserves care that helps them thrive at home. Our team is here to guide you through your options with kindness and clarity.

Peace of Mind Is Just a Call Away

Call us today for a free assessment. When it comes to senior care in Lake Havasu City, AZ, and insurance coverage, knowledge is power. Let Comfort Keepers guide you through the process so your family can focus on what truly matters—quality care. 

By: Our Care Team