How To Pay For Home Care
Our goal is to keep our precious clients at home. To do so, we work with Medicaid, insurance companies, community agencies, and personal resources. A common misconception is that Medicare will cover the cost of home care. Traditionally, Medicare does not cover non-medical personal care such as bathing and dressing, home maker services like laundry, housekeeping and shopping, or 24/7 care.
My loved one or I require home care. How do we pay for it?
There are a variety of options that you may be eligible for:
Medicaid- This is for low-income adults, children, pregnant women, elderly adults and people with disabilities. Under the Medicaid program, there are several options to obtain care.
- Community Long Term Care. CLTC services are available for those who want to live at home, need assistance with their care and are financially eligible for Medicaid.
- You can apply for CLTC here: https://www.scdhhs.gov/historic/insideDHHS/Bureaus/BureauofLongTermCareServices/how%20do%20i%20apply-3.html
- The Department of Disabilities and Special Needs is a state agency that provides services to children and adults with severe, lifelong disabilities who are financially eligible for Medicaid.
- You can apply for DDSN services here: https://ddsn.sc.gov/resources/applying-services
- Head and Spinal Cord Injuries – Under the Department of Disability and Special Needs is the Head and Spinal Cord Injury division. Under this program, those with traumatic brain injuries or spinal cord injuries can receive in home care services.
- You can apply for HASCI services here: https://ddsn.sc.gov/about-us/divisions/head-and-spinal-cord-injury/about-head-and-spinal-cord-injury
- You’ll need to scroll down to the middle of the page where is says “Applying For Services”
- You can apply for HASCI services here: https://ddsn.sc.gov/about-us/divisions/head-and-spinal-cord-injury/about-head-and-spinal-cord-injury
Private Insurance
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- All private insurances are different and cover different things.
- Call the number on the back of your insurance card.
- Ask the representative if there a “Long Term Care” clause or option in your policy.
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- If so, the representative will be able to tell you what it covers.
- You can then contact us and we will work with you on the next steps.
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- All private insurances are different and cover different things.
Veterans’ Benefits
- For veterans of the United States Military, benefits are available with certain requirements.
- Caregivers of Veterans can contact the VA Caregiver Support Line by calling 1-855-260-3274. The VA Caregiver Support Line is available Monday through Friday 8a to 8p EST. Counselors can answer questions and provide information about resources and support for Veterans and their caregivers. In addition, you can visit the VA Caregiver Web site at www.caregiver.va.gov to learn more.
Family Caregiver Alliance – Grant
- Working under the Agencies on Aging, the Family Caregiver Alliance can provide mini-grants under the Family Caregiver Support Program
- These mini grants can be used to pay for services through an agency of your choice.
- To find the number for the closest program to you, click here: https://www.caregiver.org/south-carolina-area-agencies-aging
Private Pay
Nightingale’s can provide services at reasonable and competitive cost.
To take the next step, call 1-800-578-6033
Workman’s Compensation:
If you were injured on the job and now require in home care, contact your claim’s adjust to see how they can assist you with getting the care you need.