Figuring out how to pay for home care can be a real headache!
Here are some answers to the most common payment questions we hear:
PLEASE NOTE: The information we provide here is intended to be a helpful guide based on questions we receive every day. We believe it is accurate. However, we cannot speak for Medicare, your insurance company, or your doctor. Any specific questions you have for them should be answered by them.
Does Medicare cover home care?
In general, Medicare does not cover long term support services like help with dressing, bathing, or walking, and certainly not with meal preparation or household tasks. If Medicare-covered services are required in the home, they will usually be delivered by a nurse, physical therapist, occupational therapist, or similar licensed medical practitioner. This may include non-medical home care for a short time following a serious medical event like surgery or a stroke. Most of the time, this amounts to an hour or two a few times per week to provide a bed bath or similar services. We recommend that you speak to your physician to determine what services, if any, are covered by Medicare for your medical condition.
Will my health insurance cover home care?
Private health insurance typically covers clinical medical services. If you need medications, infusion therapy, care for post-surgical wounds, and related services in your home, your health insurance may cover those. It is rare for private health insurance to cover long term care services such as help with activities of daily living like dressing, walking, or bathing. Health insurance will not cover non-personal care like meal preparation, laundry, grocery shopping, local errands, or transportation to a doctor's appointment. Speak to them directly if you have questions about your coverage.
Are there public services that cover home care?
In some cases, yes. Public services are based on financial need, age, and medical condition. In Massachusetts, the best source to determine eligibility for an aging person of limited financial means is to call your local Aging Services Access Point(ASAP). There are 27 ASAPs statewide with exclusive assignments to the areas they cover. If you do not know which ASAP that serves your area, go to our page for Home Elder Care Services in Massachusetts and click the link for your home town, or the closest town to you.
In Maine, contact the Deparment of Health and Human Services at 207-287-3707.
Do you bill Long Term Care insurance?
Yes, we do this for many of our clients. We will coordinate the application process, then bill the insurance company directly. This can save the family an enormous amount of paperwork. Long term care insurance plans vary widely in the amount they will reimburse for services, and not every policy covers all expenses. We can help you determine which expenses your policy will cover if this is unclear to you. Your family will be responsible for any charges the insurance policy does not cover.
Can I pay online?
Yes. We have a convenient online bill payment option. Each invoice is sent with a link to our billing system where you can pay the entire amount or any portion of the bill. You may also choose recurring or one-time payments. The transaction is encrypted and we never have access to your financial account information.
How much does home care cost?
Rates for home care vary based upon your location, the type of service needed, the length of each visit, and the payment plan you choose. In general, rates in Massachusetts are $23.50-$27.50 per hour, and rates in Maine are $21.00-$23.00 per hour. To determine the exact cost of services for your family, please call our office.
Do I have to sign a contract and commit for a period of time?
No, this is not like a cell phone or cable TV service where you commit for a certain period of time. You will sign a 'service agreement' that has no time commitment; it just specifies which services we offer, how much we charge, and related information. You may try a simple schedule and see how that works for your family. Cancellations of service the same day or the following day are billed as scheduled, but otherwise you may cancel future services at any time with no penalty. When service is discontinuted, a check for the balance in your account will be sent to you.