How to Pay for Home Care

Home care is an extremely important topic, but one that’s not brought up frequently.  If you’re beginning the process of discussing home care, one of the most overwhelming aspects might be finances.  Figuring out how to pay for home care can be stressful, so it’s important to examine all your options and know that there are support systems available.

Home care exists in a wide range.  From helping people prepare meals to basic medical needs, home care professionals relieve pressure on other caregivers and can provide needed respite.  Even things such as transportation to and from appointments or the grocery store can be offered through home care, so it’s definitely an important topic to learn more about and find out if it could work for your situation. At Homestead Family Health, we offer personal, non-medical assistance services.

If you or someone you love is in need of home care, it’s necessary that you research and are aware of all the possibilities.  Cost should not be a barrier for those that need home care, so taking the time to learn about all of the options is one of the most beneficial things you can do.


Qualifying for Medicare can be done based on age but also based on disability status.  If you’re someone who qualifies, make sure to learn more about the guidelines for Medicare’s provisions.  Medicare will not provide coverage for 24/7 care, but it will cover some care.  Often for those that need home care, any help is better than none.  Taking advantage of Medicare is one of the best ways to reduce costs and ensure that you have access to the professionals you need.

Paying out-of-pocket

While it definitely is an option to pay out-of-pocket, many people prefer not to do this.  Paying out-of-pocket can simplify the process, but could add up to thousands of dollars per week.  If this doesn’t sound like it will work for you, we understand.

Have a life insurance policy?

It may be possible to use the living benefits of a life insurance policy to cover some of the costs of home health.  Some plans allow individuals to use part of their policy’s amount to cover costs such as home care.  While this would reduce the sum of your policy, it is definitely a valid choice and can save you from having to pay out-of-pocket for the large total that home care can add up to.

Paying for home care

Whether you’re paying out-of-pocket or using Medicare coverage, it’s important to have the highest quality of home care.  Because you deserve the best, our team at Homestead Family Health is made of professionals at the top of their fields.  We understand the importance of trusting those in your home, so we only hire the best.  If you’re interested in learning more about our process, give us a call at 830-217-6711 to make an appointment.