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How To Pay for In-Home Care | Generations Home Care
An in-home caregiver assisting and older women using a cane

The majority of seniors want to live in their own homes for as long as possible. However, many older people also face several barriers to maintaining their quality of life. Arthritis, isolation, dementia, and many other complaints can seriously impact a person’s ability to stay healthy and happy when living at home. That makes in-home care an excellent option for seniors who wish to age in place. An in-home caregiver can provide essential daily services such as help with cooking, cleaning, bathing, and toileting so that seniors can continue to be comfortable in their homes and make the best of their silver years. But one of the main concerns people have when pursuing in-home care is the cost. 

At Generations Home Care, we want to ensure that anyone who wants in-home care can access all the support available to get the care that you or your loved one needs. 

How Much Does In-Home Care Cost?

For many people, getting in-home care might seem challenging. It is not always covered by insurance, and depending on the frequency of care required, the costs can add up. Genworth Financial’s Cost of Care Survey identified the average cost of in-home care in America as $4,957 a month. However, in the long run in-home nursing can actually help you save money compared to the costs of other services. The cost of a nursing home room is much higher, with a shared room at $7,908 per month and a private room at $9,034. For this reason, in-home care can often be more economical for seniors who do not require intensive in-home nursing care, in addition to the benefits of aging in place. 

Does Medicare or Medicaid Cover In-Home Care?

One thing which many people interested in in-home care want to know is whether their insurance covers caregiving. Some private insurance will help cover the costs of in-home care. The amount covered by your benefits will vary from plan to plan. It may also be impacted by the length of time you need care. 

Medicare does cover non-medical home care, but only in certain circumstances: the patient must be eligible for Home Health Care with a skilled nurse, and be certified as home-bound by a doctor. The non-medical home care must also be provided by a home health agency. Medicare will not help pay for in-home care if you require more than part-time or “intermittent” skilled nursing care, defined as less than eight hours a day and less than seven days a week. 

If you or your loved one meet these requirements, there is still a limit on how much Medicare will cover. Medicare will not cover meals delivered to your home, homemaker services such as shopping, cleaning, or laundry, and help with daily activities such as bathing, dressing, or toileting when no other care is needed. Visit medicare.gov/coverage/home-health-services for more information. 

Medicaid can also help you with the cost of in-home care. The Arizona Health Care Cost Containment System (AHCCCS) is Arizona’s Medicaid agency and can offer some services for patients requiring in-home nursing or care. People who are over the age of 65, blind, or have a disability may be eligible for aid through this program. Generations Home Care is an approved AHCCCS provider and will be happy to work within that plan. 

In-Home Care Offers Flexibility

Generations Home Care offers a wide range of services that can adapt to every budget and need. Our Custom Care Plans can help accommodate the services you require. We offer a wide range of services and plans and proudly offer the lowest average rate for home care in the Valley. Our minimum visit requirement begins at four hours, and we also offer flat rates for a day of in-home care. Whether you need respite care, homemaking, companionship, or more, Generations Home Care is here to help.

About Generations Home Care

Generations Home Care personalized in-home care and support services help those recovering from illness, injury, or surgery, living with a chronic disease, or dealing with the natural process of aging. We help people live a fuller, healthier, and independent life.

Our caregivers are trained in the Centers for Disease Control (CDC) recommended COVID-19 safety precautions. We offer levels of care ranging from companionship, to respite for the primary family caregiver, to homemaking services, to assistance with activities of daily living, to Alzheimer’s and dementia care. Generations Home Care takes a holistic approach and emphasizes a consistent, client-centered plan of care.

Our Specialty Services Include:

  • Rehab or hospital-to-home programs for safe discharge.
  • Short-term post-operative care during recovery periods.
  • Non-medical life management services for people with chronic conditions.
  • Veteran’s connection to care program.
  • Live-in services and couples care.

If you’d like to learn more about how we can help you, contact us today at 602-595-HOME (4663) or by filling out the contact form on our website.


About the author - Josh Friesen

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