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Creative Ways to Pay For Senior Home Care
If your aging loved one needs home care, you may wonder if your family can afford it. Luckily, there are various payment options, but financial situations vary.
Providing Comforting Support During Hospice Care
When a loved one is approaching the ending stages of life and enters hospice, it's crucial to focus on cherishing your final moments together without any distractions.
Protect Your Elderly Loved One From Phone Scams
Protecting seniors from phone scams is critical. Scammers increasingly exploit their generosity and limited internet knowledge.
 
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Hero image promoting cost tips and resources for seniors.
Hero image promoting cost tips and resources for seniors.
Hero image promoting cost tips and resources for seniors.

Contact Us About Our Home Care

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Flexible Services to Fit Your Budget

When considering the expenses associated with caring for a loved one, it's natural to feel concerned about the potential financial impact. For many families, opting for in-home care presents a more affordable and safe alternative than relocating a senior to a nursing home.

Visiting Angels offers flexible home care services to help you receive essential support and avoid unnecessary costs you may pay for at an assisted living facility. For example, if you don’t need a 24-hour or full-day caregiver, you can modify the hours and support level to fit your budget and schedule.

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Our Services Include:
  • Assistance with activities of daily living
  • Daytime, evening, overnight, and 24-hour care
  • Long-distance care for families separated by distance
  • Occasional respite care
  • Specialized services, like Alzheimer’s and dementia care
  • Temporary or long-term support
  • Weekday, weekend, or holiday visits
  • And much more!
 
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Affordable Senior Care Options

Some of our offices across the country may discount hourly rates if you schedule on an ongoing, routine basis, or exceed a specified number of hours per week. In addition, your senior may qualify for coverage through their state’s Medicaid program or veteran’s care benefits. Some locations also accept long-term care insurance to help offset the cost of services.

When you choose Visiting Angels, we will create a personalized senior care plan to meet your loved one’s needs and respect your budget. Please note that in-home care expenses vary across the country and are based on your senior’s needs (check your local home care office for specific rates). Actual prices usually depend on the level of assistance your loved one needs and the town or city where they live.

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Financial Resources and Support for Long-Term Care

Navigating the financial aspects of long-term care can be complex and overwhelming. A critical component is knowing where to find supplemental financial assistance. Here are five resources to explore when deciding how to manage costs effectively and ensure quality care for your loved one:

Medical Insurance

Most health and medical insurances do not cover in-home personal care. But it’s a good idea to check with your senior’s medical insurance company to determine whether coverage is available. Although Medicare does not currently pay for home care, some states provide coverage through Medicaid, and some Medicare Advantage plans may offer benefits.

Long-Term Care Insurance

Some seniors may have specific coverage through a long-term care insurance policy. These policies are separate from health insurance and are often purchased through an insurance agency for long-term care expenses.

Veterans Benefits

If a senior receives a VA pension, in-home coverage may be available through the Department of Veterans Affairs (VA) programs.

State And Local Assistance Programs

Certain state or local programs provide financial assistance for in-home care. Check with your state’s Department of Aging to determine if any apply to you or a loved one.

Private Pay

Most Visiting Angels clients pay out-of-pocket—or “private pay”—which means they pay through their own funds. Usually, the funds are from individual retirement accounts (IRA), pensions, Social Security benefits, 401(k), or other savings.