How to Pay For Home Healthcare
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
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.
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.
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)
- Real Estate
- Social Security benefits
- Individual Retirement Accounts (IRAs)
- Savings accounts