Paying for Home Care in Pennsylvania and Delaware: Your Guide to Financial Options
5 WAYS TO PAY FOR HOME HEALTH CARE
When the time comes to find home health care for yourself or a loved one, paying for these important services is probably the last thing on your mind. After all, it’s hard enough to find a perfectly matched, capable, and compassionate caregiver to meet your loved one’s changing needs.
Our clients can cancel at ANY time. There are NO binding contracts that keep you locked into services with us. We stand behind our promise to give you white glove service all of the time. Life is Golden, LLC only asks that you let us know when you are not happy and then give us ample time to try and correct any issues before canceling.
Nevertheless, it’s important that you and your family draw up a financial plan to cover the cost of care. This helps to ensure that your loved ones are comfortable, secure, and cared for as they age and that your family’s financial resources are preserved in the process. The good news is that there are a number of resources and options available to help you with that plan, and we are here to help you sort it all out.
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In order to help you weigh out each option and plan accordingly, we’ve compiled the following list of 5 ways to pay for typical home care needs. Of course, as with anything, there are pros and cons to consider with each option so it’s important to do as much research as possible.
We have no long-term contracts. You are able to cancel services at any time with no penalties. Customer Service is our #1 Policy so your satisfaction is our guarantee.
We can even work with you to create prepaid bundles that you can pay over time and use as you need them! Give us a call to set up an appointment and review the different ways to pay below:
*Please note that Life is Golden, LLC may NOT be able to accept all of the following forms of payment at this time.
Long Term Care Insurance & Private Pay
Since non-medical home care isn’t covered by regular health insurance, having Long-Term Care Insurance before any major health changes ensures your loved one gets the care they need. For those without this insurance, we work with individuals to explore private pay options, including savings, pension, social security, and family contributions. We also offer guidance on creative financing solutions to fit their care needs.
Veteran’s Benefits
The Veteran’s Aid & Attendance Pension Program offers another way to cover home care costs. Whether you or your family member qualifies, the VA allows households to deduct the annual home care expenses when calculating pension benefits. This adjusted “countable income” can enable families earning above the pension benefit to receive disability income from the VA.
Tax Credits & Cost of Care Reductions
There are a variety of state and federal programs, initiatives tax credits that can significantly lower your family’s tax burden, effectively reducing the overall cost of care.
You can go to our resources page to find the following information or click below to find out if your family member qualifies for:
Medicaid Programs
There are a number of state-specific initiatives designed to help keep seniors who qualify for Medicaid out of nursing homes and living comfortably in their own homes. These programs will help to cover the cost of home care and is less than the cost of nursing homes.
PA/DE offers a variety of services to consumers under its Medicaid Waiver.
These programs may provide a combination of both traditional medical services (i.e. dental services, skilled nursing) as well as non-medical services (i.e. respite, case management, and environmental modifications) to those who meet both the established clinical and financial criteria.
The purpose of the Medicaid Waiver is to provide support services to an individual in the community for the following:
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Prevent placement in an institutional setting (e.g. nursing home or hospital)
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Provide support to individuals who are reentering a community setting after a period of institutionalization.
DDS Administers 3 Medicaid Waivers:
Our PA/DE Home Healthcare
Life is Golden Homecare, LLC offers a range of home health care services in Pennsylvania and Delaware, delivered by our qualified and professional caregivers.
We understand that receiving care at home provides comfort and reassurance. We believe that the personal companionship we offer significantly enhances the quality of life for our clients.
If you want your family to experience the same level of care, please contact us today!
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Dementia Home Care
Our Dementia Home Care provides specialized, compassionate support tailored to individuals with memory loss, ensuring safety, comfort, and enhanced quality of life in their own home. We focus on daily routines, engagement, and a calm environment to help ease the challenges of dementia.
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For more information about our services, please contact Life is Golden Homecare, LLC today. We're here to answer your questions and help you find the right care solutions for your loved ones.