How To Pay For Home Care

The largest payors of home health care services, Medicare provides health care coverage for persons age 65 and older, persons who are defined for social security purposes as “disabled” for at least two years, and certain other special cases. https://www.medicare.gov/

Medicaid is a state government program that provides health care insurance and medical assistance to people, including families and children, who meet income eligibility requirements. https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/#howmed

Veterans benefits includes a wide range of services including long term care, home or community based care, and nursing home or facility care. Your eligibility for these services will be determined based on your need for ongoing treatment, personal care, and assistance, as well as the availability of the service in your location. Other factors, such as financial eligibility, your service-connected (VA disability) status, insurance coverage, and/or ability to pay may also apply.

Long-term care Insurance This type of insurance covers the cost of care beyond a predetermined period of time. Long-term care insurance covers care generally not covered by your primary insurance plan. Unlike traditional health insurance, long-term care insurance is designed to cover long-term services that include skilled, assistive or personal care services in a variety of settings such as home, a community organization, or other facility.

The marketplace is for individuals without health coverage through work or state programs and allows you to compare health insurance options that meet your needs and fit your budget. Open Enrollment for 2014 coverage is over. But you may still have options to get health coverage. After Open Enrollment, you can enroll in private coverage through the Marketplace only if you have a qualifying life event or a complex situation related to applying in the Marketplace. Learn more by visiting https://www.healthcare.gov/