A Guide to Long-Term Care Insurance and Private Pay
One of the first questions families ask when exploring home care is, "How do we pay for this?" Navigating the financial landscape of senior care can be complex, but at Comfort Angels Home Care, we believe in transparency and flexibility.
Whether you are looking for a few hours of companionship or 24/7 support, understanding your options is the first step toward securing the care your family deserves
Private Pay: Flexibility for Your Budget
Most non-medical home care is paid for "out of pocket" (private pay).
While this might seem daunting, it offers the ultimate flexibility. Unlike Medicare-driven services, which require strict medical eligibility and often cut off services once a patient "plateaus," private pay allows you to decide what you need.
Customizable Hours
You don't need to commit to a heavy schedule. We offer flexible plans that adjust to your budget.
Lifestyle Support
Private pay covers the things that matter most to quality of life—meal preparation, light housekeeping, and companionship—services that insurance often deems "non-essential" but are vital for aging in place.
Leveraging Long-Term Care (LTC) Insurance
If your loved one had the foresight to purchase Long-Term Care Insurance, you have a powerful asset. Comfort Angels Home Care accepts LTC insurance, and we can help you navigate the claims process.
Many families are unsure if their policy covers non-medical home care. In many cases, it does! We can help review your policy to see if our services—ranging from dementia care to post-surgery support—qualify for reimbursement.
No Hidden Fees, Just Support
We believe that care should be a relationship, not a transaction. That’s why we offer a Free Consultation to discuss not just the care needs, but the financial logistics. We will sit down with you, look at the numbers, and build a plan that maximizes your resources without compromising on quality.