Private Pay
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Private pay, or out-of-pocket care, is the most common way for people to pay for home care. Medicare does not pay for homemaker services or full-time home health care.
Some other programs may help reduce out-of-pocket costs for home care. Veterans may be eligible for support through the Veteran-Directed Care program, and many states offer support for seniors through Home and Community-Based Services waivers and vouchers,. These waivers can be used to cover the cost of services that allow a senior to remain in their home, delaying placement in an assisted living facility.
Seniors who are worried about covering the costs of their care may wish to contact their local aging and disability resource center or a similar senior support organization to learn more about the benefits and waivers available to them.