Funding Options

Don’t just assume you’re not covered. Not all policies are alike. In general, most commercial health insurers will only pay for hospice and some skilled home care services; however, some policies occasionally will cover non-skilled, personal home care.

If your loved one has equity in their home, they may qualify for a reverse mortgage. A reverse mortgage allows you to turn your equity into cash and use it to pay for home care services.

If you require home care services because of a job-related injury, you may be eligible to receive coverage through worker’s compensation.

Originally intended as protection from a lengthy and expensive nursing home stay, many long-term care policies have expanded coverage to include personal care, companionship and other home care services. Benefits can vary greatly from plan to plan, so be sure to check your coverage.

Some veterans and their surviving spouses may be entitled to home care benefits through the Veterans Administration’s Aid and Attendance pension benefit. Veterans must meet certain eligibility criteria, including time in military service, thresholds for income and liquid assets, and non-service related medical conditions. For more information visit https://benefits.va.gov/benefits/.

If you meet certain requirements, you may receive funding from the Massachusetts Group Adult Foster Care (GAFC) program. We will help you do everything you need to determine your eligibility and get started.

There are many publicly-funded agencies and organizations that administer or support service programs to provide the supplemental assistance that elderly and disabled residents need to stay independent at home. It’s a good idea to investigate organizations such as your community senior center, local Council on Aging office, Aging Service Access Points (ASAPs), and local chapters of the Alzheimer’s Association, the National Easter Seal Society, and the American Cancer Society.

Private, non-profit agencies with governing boards that serve and represent 51% of people age 60 and older.¹ There are twenty five (25) ASAPs serving seniors across Massachusetts and Advanced Home Care is pleased to work with more than half to provide affordable in-home care to seniors in need. Eligibility for the Home Care Program is based on age, residence, and ability to carry out daily tasks. Care management and in-home services support adults 60 years and older or residents aged under 60 with early on-set Alzheimer’s disease or related dementia. Cost share amounts for supportive services through the Home Care program are determined based on income. Applicants must be living at home within Massachusetts (outside of an institutional or Certified Assisting living setting). Click here to view all Massachusetts ASAPs.

¹Data Source: https://www.mass.gov/location-details/aging-services-access-points-asaps-in-massachusetts