Financial Assistance Programs for Home Care
The cost of home care can add up quickly, but there are several programs that can help make services more affordable for seniors and their families. Here’s a breakdown of common sources of financial help, who qualifies, and how to apply.
Medicaid Home and Community-Based Services (HCBS)
- Most states offer HCBS waivers that help pay for personal care, homemaker services, and other in-home support for low-income seniors. Eligibility is based on income, assets, and care needs. Apply through your state Medicaid office.
Medicare
- Medicare covers short-term skilled home health care ordered by a doctor but does not pay for ongoing non-medical home care.
Veterans Benefits
- The VA offers the Aid & Attendance benefit and Homemaker/Home Health Aide programs to eligible veterans and spouses. Apply through your local VA office.
State and Local Programs
- Many states, counties, and cities offer grants, sliding-scale fee programs, or subsidies through their Area Agency on Aging (AAA). Call your local AAA for information.
Long-Term Care Insurance
- Some policies cover home care—check your or your loved one’s plan for details and benefit triggers.
Nonprofit and Community Resources
- Charities, religious organizations, and local nonprofits may offer respite grants or low-cost services to seniors in need.
Tax Credits and Deductions
- You may be eligible for tax credits or deductions related to dependent care or medical expenses. Consult a tax advisor for your situation.
How to Apply
- Start by assessing your eligibility for Medicaid, VA, or state programs.
- Gather required documentation (income, assets, medical need).
- Contact agencies directly and ask about their application process and any available waitlists.
For step-by-step instructions and more resources on paying for home care, visit our Home Health Care for Seniors page.
