Paying for Quality Home Care for a Loved One in Charlotte, NC

Learn more about different payment options when scheduling quality home care in Charlotte and the surrounding areas of North Carolina

If an elderly loved one recently developed the need for professional care, there are many things to consider before your family can reach a final decision. Naturally, one of the most common concerns is how to pay for quality home care services, especially if you have to make it work on a limited budget. On the plus side, you do have options and if you do your research properly, you can find a way to significantly minimize your out-of-pocket costs for mom or dad’s care. To learn more, call us at (704) 980-7620.

Consider the following options: 

Private Pay/Out of Pocket - Whether a loved one has opted for assisted living or quality home care, most families choose to pay for these services privately, out of pocket. Also bear in mind that, in most cases, in-home care is a budget-friendly option compared to in-facility care. However, your total monthly expenditures for in-home care are determined by the number of hours and type of care a loved one requires. For instance, do they need specialized care such as dementia care or they just need a companion who can prepare meals and help around the house? Does mom or dad need full-time care or would a couple of hours of assistance per week be sufficient for them to remain independently at home? If you have to schedule care on a limited budget, you can try to minimize your out-of-pocket expenses in a number of ways. 

Long-Term Care Insurance – This special insurance policy can help offset the costs of care. Your loved one may be entitled to partial or full coverage, depending on how long they paid the premiums. A local Comfort Keepers office can provide valuable information and help with the paperwork when you wish to apply for this type of coverage.  

Veterans Administration (VA) Aid and Attendance Pension Benefit – Another way to cover the costs of quality home care is to qualify for VA benefits. Veterans and their surviving spouses are eligible to receive financial support from the government if they can meet the specific criteria and prove a genuine need for professional care. 

Medicaid and Medicare Programs – To find out more about services that may be covered by Medicare Advantage programs and Medicaid, please contact Comfort Keepers of Charlotte.

Understand How to Pay for Quality Health Care in Charlotte, NC

Reach out to our Charlotte office today to learn more about our quality home care solutions and book your free consultation with our local client coordinators: (704) 980-7620.

Comfort Keepers is a Humana Provider of the Personal Home Care Services Benefit (PHCS).

Pre-Authorization is required from Humana for the Personal Home Care Services Benefit (PHCS), to see if you qualify and to verify your benefits, please call Humana 800-290-9576.  If you qualify for the Personal Home Care Services Benefit (PHCS), you can request Comfort Keepers to provide the services that Humana pre-authorizes.  

*Note:  Comfort Keepers cannot verify or qualify any Humana Member for services.