Cost of In-Home Care
One of the most common questions families ask when considering in-home care is, “How much does in-home care cost?” The answer varies by state, circumstances, and the type of care provided.
The best way to learn the cost of care for you or your loved one is to speak with a professional care coordinator. If you would like to contact a Comfort Keepers office, find a location here.
If you’re wondering about how to pay for in-home care, keep in mind that there are many options available to you. Research these options based on your or your loved one's financial situation to find the most advantageous way to pay for care. And don’t hesitate to call us if you have any questions.
Paying for Care
We accept the following forms of payment for the care of your loved ones:
- Long-Term Care Insurance
- VA Benefits
- Guide Program via Centers for Medicare & Medicaid Services (CMS)
- Private Pay
Some of the most common options to pay for senior care include:
Private Pay/Out of Pocket – Most families pay for in-home care for a loved one out of pocket. This is true of many senior care services, including assisted living. While in-home care is typically more affordable than facility care, costs depend on the type of care and the number of hours a senior needs. We recommend that anyone interested in learning more contact an office to discuss what a custom care plan would include and whether personal care, companionship, or respite care is needed.
Determining out-of-pocket costs and how to minimize them is best done after considering all your options. To learn more about the cost of care for you or a loved one, contact a local office to discuss your specific situation.
Long-Term Care Insurance – Long-term care insurance can help pay care costs. If you have long-term care insurance, a local Comfort Keepers office can help answer questions about the paperwork needed to start using this specialized coverage.
Veterans Administration (VA) Aid and Attendance Pension Benefit – Veterans and their surviving spouses may qualify for VA benefits to 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. Contact Comfort Keepers to find out more about in-home care and veterans’ benefits.
Medicaid and State Programs – Medicaid, the largest public payer for long-term care, may cover some in-home care services. A Medicaid provider or Comfort Keepers office can answer questions about in-home care coverage.
Medicare – Medicare does not cover in-home care. In some select areas, Medicare Advantage plans may be available. This varies by state and location, so check your plan for additional details.
Browse our FAQs for more questions about the cost of in-home care.
