Ways to Pay for Home Care
Choose the path that fits your situation
Each guide covers eligibility, what’s actually covered, and how to get started — in plain language.
Medicare
If you’re homebound and need skilled, intermittent nursing or therapy, Medicare can cover it at little to no cost through a Medicare-certified agency like City Choice. It doesn’t cover non-medical personal care on its own.
Health Insurance
Commercial plans can cover skilled home health, similar to Medicare, but coverage is far less consistent and usually requires prior authorization first. Non-medical home care is rarely covered.
Long-Term Care Insurance
LTC policies can pay for home care, but only if your specific policy includes it, and only once you meet the benefit trigger and elimination period. Not every policy works the same way.
Veteran Benefits
Veterans and surviving spouses have four possible paths, with Aid & Attendance being the most flexible: a tax-free monthly cash benefit you can put toward the caregiver of your choice.
Workers' Compensation
If home care is needed because of a workplace injury, workers’ comp can cover both skilled care and personal care assistance, with the insurance carrier authorizing the provider.
Private Pay
This is personal funds covering care directly — the most common path for non-medical, day-to-day support that the other five don’t reach.
Not sure where to start?
Most families we work with are juggling at least two possibilities when they first call. Our intake team can walk through your specific situation and help you figure out which paths are actually open to you.
Call our intake team at 305-363-7755 or reach out through our free consultation page, and we’ll help you figure out your next step.