Paying for In-Home Care For Seniors

Paying for in-home care for an aging parent or spouse may pose a challenge for many families. Since in-home care is expensive, it is a key issue to consider during long-term financial planning.

Paying for in-home care often poses a challenge for many working families.  However, in-home care is often necessary to help an aging parent or spouse stay in the home they love. Since in-home care is usually expensive, it is a key issue to consider when planning for the future. 

Certain health and long-term care insurance plans offer a specific amount of coverage for home health care.  You should contact your insurance provider to find out what is covered. Since the insurance provider may need your parent or spouse’s permission in order for you to be able to discuss his or her insurance, find out what is needed and gather all of the necessary information.

In-home care may be covered in these situations:

  • Seniors who are homebound due to medical reasons can receive short-term skilled nursing care after a stay in a hospital or rehab facility may receive Medicare coverage. Visit for more information about Medicare.
  • Low-income elders may qualify for Medicaid-funded in-home care services as an alternative to a traditional nursing home.
  • Veterans of the U.S. military and their families may receive no cost in-home medical care. Find out if in-home care is covered under your veteran’s benefits.


When calling in-home care agencies, ask about their caregiver screening process. Does the agency run background checks on prospective caregivers? What type of education and experience is required? Are all caregivers bonded and insured? A legitimate in-home care agency should be ready and willing to provide answers to these questions. 

In-home care helps an aging parent or spouse stay in their beloved home longer.  Be sure to check independent caregivers or agencies in your area carefully.