One of the first questions families ask is how home care is paid for. The answer depends on the client's needs, eligibility, insurance coverage, and whether services are arranged privately or through an authorized public program.
Ways families pay
Private Pay
Pay directly for care, with flexibility in scheduling, service mix, and caregiver hours.
Long-Term Care Insurance
Some policies reimburse for certain home care services. Coverage depends on the policy terms.
Medicaid Waiver Programs
Waivers may authorize home and community-based services for eligible individuals.
Connecticut Home Care Program for Elders
CHCPE may help eligible older adults receive services at home.
Adult Family Living
An eligible person may live at home with a qualified caregiver under program rules.
Veterans & Other Resources
Some families explore veterans benefits or local community programs.
Because each situation is different, call us to discuss the needs, location, and likely payment source.