All too often we delay seeking home care for our loved ones because of the limited options of paying for services. Therefore, it’s imperative that a quality care provider also offer flexible payment options to ensure that exceptional superior care is available for everyone.
To best understand how to pay for care, you’ll want to inform yourself about your loved one’s financial situation. Here are some effective questions to get the conversation started:
What income, savings, and assets are available?
Did your loved one or their spouse serve in the military?
Do they have long term care insurance? If so, who is the provider?
If you are able to answer these questions solidly, you are now ready to move over to Step 2.
Take the Home Care Eligibility Quiz now to determine which type of care is just right for your loved one. Once you’re done, come back here. We’ll be waiting!
Now that you’ve taken the Home Care Eligibility Quiz, you’re able to fully understand mom, dad, or your loved one’s risk factors and care type. You’ll be receiving a call within 30 minutes. Guaranteed. In the meantime, see below to check out which flexible payment options below cover your loved one’s care type:
|We Care Community
(free w/ Medicare)
|Private “out of pocket” pay|
|Veteran’s Affairs (VA) Benefits|
|Long term care insurance plans|
Private “out of pocket” pay
Paying with personal funds gives you and your loved one the most flexibility when seeking home care services. Private pay also helps cover care services during the “elimination period” before long-term care policy retroactively begins to pay benefits.
Benefits for military veterans and their spouses
The Veterans Aide & Attendance Pension provides qualified veterans and surviving spouses, a pension that can help pay for in-home senior care, including: Companion Care, Personal Care, and Specialized Care.
A veteran or the surviving spouse of a vet (and were still married at the time of death) who has served at least 90 days or more on active duty, with one day beginning or ending during a period of war, in need of assistance at home due to their disabilities may be eligible for the VA’s non-service connected disability pension (up to $2020 per month in supplemental pension depending on their situation).
Long term care insurance
We work with a wide array of long term care insurance plans and we’ll bill them directly for you. Enjoy your LTC benefits, hassle-free.
Long term care benefits are eligible only for Personal Care & Specialized Care services.
We’ll help you bill the insurance directly and submit claims on your behalf. In order for us to bill the insurance, you’ll just have to complete the “Assignment of Benefit” or “Direction to Pay” form and we got the rest covered.
Usually, there is an “elimination period” which may take 30+ days until benefits are paid. We will expedite the process and reimburse your out-of-pocket costs too!
Although Medicare does not cover our in-home care services, it does cover all of the We Care Community Membership perks at no cost to you! Learn more about We Care Membership perks here.