How to Pay for Home Care

Medicare Home Health Agencies provide service based on a doctor’s prescription. Home Health services also are based on a specific condition, and are usually only provided for a set period of time. Typically, Medicare can cover just a few personal care visits, but no companion care or supportive care services. 

Paying with personal funds gives you and your loved one the most flexibility when seeking care services. You can work with your loved one’s doctors and a local home care provider like Prespective Home Health to tailor a care plan specifically to your loved one’s needs — from meal prep, companionship, and light housekeeping, to bathing, grooming, and feeding, to infusions, wound care, and medical equipment set-up.

Private pay helps cover additional care services that can supplement the limited services and support covered by other sources like Medicaid or Medicare as well as the “elimination period” before long-term care policy begins to pay benefits.

Thanks to partnerships with national insurance companies, Prespective Home Health is credentialed in-network with insurance companies across the country. Prespective Home Health also is in-network with local insurance companies. Call to learn more. 

Medi-Cal can pay for doctor appointments, hospital expenses, medicine, therapy, some adaptive equipment, and additional services. The state writes a plan that tells what kind of services will be provided under their Medi-Cal Waiver program.

You may qualify for help from a Medi-Cal home and community-based service (HCBS) waiver program if you:

• meet your state’s level-of-care or functional eligibility requirements for home and community-based services; and
• have income and assets below certain guidelines.