Comfort Keepers Cape Girardeau, Missouri

1918 N Kingshighway St #109, Cape Girardeau, MO, 63701
(573) 208-4188
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Call (573) 208-4188 | 1918 N Kingshighway St #109, Cape Girardeau, Missouri 63701 Coronavirus update
1918 N Kingshighway St #109, Cape Girardeau, Missouri 63701 Coronavirus update

Paying for Care

Comfort Keepers In-Home Care in Cape Girardeau, Missouri.

Planning and Funding for In Home Care for Adults and Seniors

The cost of long-term in home care for seniors varies as much as the types of care available and the degree of assistance required.

One of the reasons why planning for in home care in advance is important is that it can allow you to consider what your options are to cover the costs of care. While you may not know how much care for your parent will cost without an assessment from a senior care agency, exploring the financing solutions that may be at your disposal can help you prepare better for care and alleviate any negative financial consequences of long-term care solutions.

Give us a call at (573) 208-4188 to learn more!



The first option most people explore is Medicare. Unfortunately, Medicare does not typically cover the cost of extended in home care. However, it can cover short-term care like personal care or physical, occupational, and speech therapy for up to 100 days. It can cover hospice care for seniors with incurable illnesses and a life expectancy of no more than six months as well.

You may also want to look into Medicaid. This is a much better option because seniors who receive Supplemental Security Income qualify for Medicaid automatically. Seniors with a limited income may also be eligible to get financial assistance for care from Medicaid, but keep in mind that eligibility for Medicaid varies from state to state.

A third option is long-term care insurance, which is created to cover the costs of long-term in home care. Sadly, this option does not work for most seniors as it presents a serious financial burden. Namely, the coverage for this type of insurance may be really costly for older adults with health problems. If you choose to go this route, we recommend you speak to a financial advisor in order to lower the cost of insurance.

Senior veterans may be eligible for Veterans Administration Aid and Attendance Pension Benefit. In order to qualify for this benefit, your loved one must have served at least 90 days with a minimum of one day during wartime. The surviving spouses of eligible veterans are eligible for the benefit too.

Finally, the last available option for financing in home care is paying out of pocket - using life savings, returns on investments, and other resources to pay for care. While this may seem like the least appealing option, it is crucial that you consider the benefits senior care can bring not only for your loved one but for your entire family. With professional care, your loved one can lead a high-quality lifestyle at home and you and your family members will not have to reduce work hours or make other career sacrifices to look after your parent.

To learn more about paying for care, please give us a call today at (573) 208-4188 or fill out our online Contact Us form. We are happy to answer all your questions and provide you with additional advice and recommendations!