How to Pay For Home Healthcare

Just as everyone’s needs for care are different, we know financial situations are deeply personal. That’s why we accept multiple ways to pay for home health care costs, so you have more choices in financing your care.

We’re Here to Help

Understanding the cost of in-home care is important. Reach out to your local Interim HealthCare office to find the most accurate information and advice specific to your financial situation.

In Home Care Payment Options  

Medicare & Other Public Third-Party Payers

Many of our franchises are Medicare-certified, which means that if you or your loved one is eligible for Medicare and meets certain conditions, they can choose Interim HealthCare, and Medicare funds can pay for certain services provided by nurses, therapists, or other medical professionals. Certain states, like California and Massachusetts, have additional public options that your loved one may be able to use to pay for home care. If you or your loved one served in the military, you may qualify for home care funding as part of Veteran’s Services.

Medicare requires that the following conditions be met before reimbursing for home health services:

  • The individual to whom the services are provided is an eligible Medicare beneficiary. 
  • A physician certifies the need for services and establishes a plan of care. 
  • The beneficiary must meet Medicare's definition of "homebound.” 
  • The care must be provided in the patient's place of residence. 
  • The individual needs skilled nursing on an intermittent basis or there is a continued need for physical therapy, speech therapy or occupational therapy once they have established plan of care. 
  • The services are provided by a Medicare-certified home health agency. 
  • When the above conditions are met, physicians may also order home health aide services or medical social worker services. 

Managed Care & Private Insurance

We’re proud to accept a number of private insurance plans and managed care plans across all franchises, to help cover the cost of in-home care.


Depending on the home care services provided, insurance, and the financial capabilities of the patient, you may choose to pay for home care out of pocket from your savings or that of your loved one. Contact your local franchise to discuss if a self-pay action works for you.

How to Pay for Hospice Care

Medicare Hospice Benefit

The Medicare hospice benefit, enacted by Congress in 1982, is the predominant payment source for our hospice care patients. The hospice benefit is available to patients enrolled in Medicare Part A and who meet the following requirements:

  • Are diagnosed and certified by a doctor as terminally ill (expected to live six months or less).
  • Understand and accept that hospice care is palliative, not curative.
  • Submit a signed statement choosing hospice care instead of other covered treatments for said terminal illness and related conditions.

Medicare, Medicaid, & Other Public Third-Party Payers

If you or your loved one is enrolled in other Medicare plans besides Part A, Medicaid plans, or other public third-party payer plans like MediCal or MassHealth, you may still be eligible for covered hospice service as long as those providers are in-network. Veterans Assistance may also cover hospice services for eligible Veterans. Contact your local franchise to determine whether or not Interim HealthCare is considered in-network for your plan.

Private Insurance

Most private insurance plans include coverage of hospice care and related treatments. How much you’ll pay in coinsurance or copays depends on your plan. During your free consultation, we’ll walk you through your plan’s stipulations so you know exactly what is covered.

Self Pay

If you or your loved one does not have coverage through Medicare, Medicaid, or a private insurance company, we’ll work with you, your loved one, and your family to ensure needed services can be provided. Possible sources used to cover private pay home care expenses might include the following:

  • Health Savings Accounts (HSAs)
  • Pensions
  • Investments
  • Annuities
  • Real Estate
  • Social Security benefits
  • Individual Retirement Accounts (IRAs)
  • Savings accounts