Cerna Home Care
VA & Financial Support
Learn about common ways families may pay for home care, including private funds, long-term care insurance, VA programs, Medicaid, and reverse mortgage options.
Call (877) 577-6782How Do I Pay for Home Care?
Paying for home care services can involve a mix of private funds, insurance such as long-term care policies, and government assistance such as VA programs, Homemaker and Home Health Aide services, Aid & Attendance, Medicaid, or other financial options.
Long-Term Care Insurance
Some private health insurance plans and life insurance policies may offer coverage for home care services. Long-term care insurance is specifically designed for home care, assisted living, and related support.
VA Homemaker & Home Health Aide Program
This VA program provides eligible veterans with in-home assistance for personal care and household support, helping them maintain independence and quality of life.
VA Aid & Attendance
Aid and Attendance is a pension benefit for qualifying veterans or surviving spouses who need assistance with daily activities or ongoing care.
Medicaid
Medicaid may cover in-home care for low-income individuals, especially those needing long-term care. Eligibility and coverage vary by state.
Reverse Mortgages
For homeowners age 62 or older, a reverse mortgage may allow access to home equity to help pay for care while remaining in the home.
VA Homemaker & Home Health Aide Program
The VA Homemaker and Home Health Aide Program provides eligible veterans with assistance in their homes with personal care and household support. This program helps veterans who need support with daily living tasks maintain independence and quality of life.
Common Eligibility Considerations
- Eligible veteran enrolled in the VA healthcare system
- Clinical need shown through a geriatric evaluation
- Need for help with daily living tasks such as bathing, dressing, meals, or mobility
- Possible eligibility for veterans with cognitive impairment or multiple ADL dependencies
VA Aid & Attendance
VA Aid and Attendance is a pension benefit. Veterans may need qualifying service history, honorable discharge, and financial eligibility. A service-related disability is not always required.
Unreimbursed medical expenses may help reduce countable income for eligibility purposes. These can include insurance premiums, medications, assisted living costs, nursing home fees, and in-home care expenses.
Medicaid & Reverse Mortgages
Medicaid may help cover in-home care for qualifying individuals, though programs vary by state.
A reverse mortgage may be an option for homeowners age 62 or older who have sufficient equity and want to access funds to help pay for care while remaining in their home.
Have questions about paying for care?
Contact Cerna Home Care and we can help point you in the right direction.