The most common and straightforward option. Families pay directly from savings, income, or liquid assets. No claim approvals, no waiting periods, no administrative delays. Care can start the same day.
Understanding Your Options
How Families Pay for Professional Home Care
Most standard insurance plans don't cover non-medical home care. Medicare doesn't either. That means every option typically involves real cost — but there are more ways to cover that cost than most families realize. Here is what we have seen work.
Private Pay
Family Support
In many families, siblings or other relatives share the financial responsibility of care. Splitting the cost across multiple family members can make premium care accessible without placing the full burden on one person.
Long-Term Care Insurance
If your parent has a long-term care insurance policy this is often the best funding option available. We accept all major LTC carriers and will work directly with you and your carrier to submit the required documentation — visit notes, invoices, and care logs. Most policies reimburse the family directly. With a signed authorization of benefits we can arrange to receive payment directly from the carrier, removing the billing burden from your family entirely.
Carriers we routinely work with include Mutual of Omaha, New York Life, Northwestern Mutual, MassMutual, Nationwide, Transamerica, Lincoln Financial, OneAmerica, Thrivent, and Bankers Life — as well as hybrid life/LTC and asset-based long-term care products.
If you are unsure whether your policy qualifies, call us. We will review it with you.
Home Equity
For homeowners, a reverse mortgage or home equity line of credit can provide the funds needed to cover ongoing care costs while allowing your parent to remain in their home. This option is worth exploring with a financial advisor if other funding sources are limited.
Veteran Benefits
We are a veteran-owned business and proudly serve veterans and their families. We accept direct VA benefit payments and the Aid and Attendance veteran pension — one of the most underutilized benefits available to qualifying veterans and surviving spouses. If your parent is a veteran and you are not sure what they qualify for, we can help you navigate that process.
Medicaid
Medicaid is an option for some families who meet the financial eligibility requirements. However, Medicaid reimbursement rates and administrative requirements make it difficult for agencies to operate under — which is why there are very few Medicaid-certified home care agencies in Utah. If Medicaid is your primary option we are happy to point you toward resources that can help.
Not Sure Which Option Applies to You?
We have helped hundreds of Utah families figure this out. One conversation is usually all it takes to get clarity on how to fund the care your parent needs.