How Do I Pay for Home Health Care Services?

Paying for home health care services can be managed through various methods. Here are some common options:

Out-of-Pocket

Many families pay for home care services directly from their savings or income.

Long-Term Care Insurance

This type of insurance can cover home care services, depending on the policy.

Medicaid Waivers

In Georgia, Medicaid offers waivers like the Community Care Services Program (CCSP) and the Service Options Using Resources in a Community Environment (SOURCE) program, which can help cover the cost of home care.

Veterans Benefits

Veterans and their spouses may qualify for benefits that can be used to pay for home care services.

Reverse Mortgages

Homeowners aged 62 and older can use a reverse mortgage to access the equity in their home to pay for care.

Life Insurance

Some life insurance policies allow for accelerated death benefits or life settlements to pay for home care.

State Programs

Georgia has various state-funded programs that can assist with home care costs.