The four ways to pay for home care are 1.) paying out of pocket, also known as private pay; 2.) Medicaid covers the cost depending on income and disability; 3.) benefits from the U.S. Department of Veteran Affairs; and 4.) long-term care insurance.
Rather than an agency, such as Assisting Hands, private individuals can be retained to provide most of the same services with fees that are 20 – 30 percent lower. However, independents are typically uninsured, do not go through background security checks and may be unable to provide alternatives in case they are not available to work on short notice.