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Paying for Home Care

How Do I Pay for Home Care?

Paying for In-Home Care for Yourself or a Loved One

When deciding on home care for yourself or someone you love, it is important to consider and plan for the associated financial costs. Typically, the cost of using a home care company such as Homewatch CareGivers depends on how many hours of assistance are needed, if there is a need for any special services, or if a serious health condition exists.

The cost of services is different for each client based on those factors, but you can learn more about the average cost of home care in specific areas by clicking here.

If paying out of pocket is not an option or there are not enough private funds to cover the cost of in-home care, there may be other options available to consider so that you or someone you love can benefit from home care.

Homewatch CareGivers Can Provide More Information On:

  • Auto Insurance

    Individuals injured in an auto accident may have home care services covered to assist in recovery or with limitations due to permanent injury.

  • Back-Up Care
    If care arrangements change or fall through unexpectedly, back-up care can provide you with additional support for dependent family members. Back-up care benefits are sometimes offered through your employer and can be used for dependent family members of all ages, including children and adults.
  • Behavioral Health

    State-funded programs to support individuals navigating challenges with self-care and safety due to behavioral health conditions

  • Intellectual & Developmental Disabilities

    Services that supplement the abilities of individuals with intellectual or developmental differences with self-care and safety through state-funded programs.

  • Long-Term Care Insurance
    Most long-term care insurance policies can be used for home care services.
  • Medicare

    Medicare is the federal health insurance available to individuals age 65 or with certain conditions.  Tradition, otherwise known as Original, Medicare does not cover home care services at this time. Home health aide services may be covered in conjunction with physician-ordered in-home nursing, physical therapy, occupational therapy, or speech therapy services.

  • Medicare Advantage
    As part of the supplemental benefits that can be offered to Medicare Advantage beneficiaries, limited in-home support services may be covered.  It is dependent on the offerings of the specific plan if this benefit is offered.
  • Private Pay
    Private pay means an individual or their family will use existing savings and assets to cover the cost of care services.
  • Reverse Mortgage
    The value of a home can be utilized for living expenses and support services such as home care.
  • VA Aid & Attendance
    Provides monthly payments added to the amount of a monthly VA pension for qualified Veterans and survivors.
  • VA Community Care

    Covers homemaker/home health aide services that helps with activities of daily living such as getting ready including bathing, using the bathrooms, preparing meals, light housekeeping, and medication reminders. As well, respite care can be covered for a short time when family caregivers need a break.

  • Various Life Insurance Policies

    Some life insurance plans will permit converting payout dollars to cover home care services.

  • Workers Compensation

    Benefits to cover assistance to employees injured in the course of employment with daily activities such as getting ready including bathing, using the bathrooms, preparing meals, light housekeeping, and medication reminders.

  • Other Options

    Various grants and special funding may be available via local programs and projects, such as from the Area Agency on Aging, Alzheimer Association, etc.

*It’s important to note that many of these options can vary by state, county, insurance plan, and eligibility. Not every office can process each type of payment source. Call your local Homewatch CareGivers for more information. 


Providing the highest quality of care at an affordable cost. Our local caregivers are trained, background-checked, and insured. This is our promise to you.

About Our Caregivers
  • We conduct annual background checks on all local caregivers.

  • We provide at least 12 hours annually of employee training.

  • We perform in-person Quality Assurance visits at least every 90 days.

  • We conduct satisfaction surveys to monitor the level of care provided.

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