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Paying privately for home care services is often a necessity for seniors and others who want to remain living independently in their homes. Home care is the fastest growing segment of the health care industry, with more people in need of extensive in-home care. Live-in services allow older adults and others to remain at home and can be a viable alternative to assisted living or a nursing home. Since Medicare typically doesn't pay for long term care, the burden of payment is on the individual or their family.


However, there are many possible ways to afford private pay home care services. Many organizations associated with major diseases, such as Alzheimer's, Multiple Sclerosis (MS) and Cancer, offer programs to assist individuals who need help paying for home care services. Check with the local agency supporting your illness. Additionally, many religious organizations have funds available for their members.


Some community organizations, along with state and local governments, provide funds for home health and supportive services. Depending on your eligibility and financial circumstances, these organizations may pay for all or a portion of your home care services. Hospital discharge planners, social workers, local offices on aging, and the United Way are excellent sources for information about community resources. 

Statistics show that the majority of people are going to need some type of long term care in their lifetime. For those who don't have the savings available to pay for private pay home care, Long Term Care (LTC) insurance may be an option. LTC insurance was originally offered to protect individuals from the catastrophic expense of a lengthy stay in a nursing home. However, as the public need and preference for home care has grown, private long-term care insurance policies have expanded their coverage of personal care, companionship, and other in-home services.


Home Equity Conversion Mortgages (HECM), formerly known as reverse mortgages, are loans you take on the equity you have accrued in your house. This option may offer you the funds needed for home care in order to remain in the comfort of your own home. The Veterans Administration (VA) also has programs which may pay for some private pay home care services. The surviving spouse of a veteran may also qualify. Check with the VA for program information and eligibility requirements.

Private Pay Services

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