Coverage and payment options
Many families pay for home care through a mix of programs, insurance and private pay. We help you understand what applies to you before care starts.
Who pays
How families usually pay for care
These are the programs and payers families in Illinois most often use. Eligibility and covered services vary, and not every program applies to every family. Call us and we will check your options with you before you commit to anything.
Illinois Medicaid and HealthChoice Illinois plans
For eligible children and adults. May cover nursing and aide services when authorized.
Medically Fragile, Technology Dependent (MFTD) Waiver
Home nursing for children and young adults with complex medical needs, through UIC's Division of Specialized Care for Children.
Illinois Department on Aging Community Care Program
For adults 60 and older who qualify. Covers in-home help such as homemaker services.
Illinois DHS Home Services Program
For adults with disabilities who qualify, to help them live independently at home.
U.S. Department of Veterans Affairs
Home care for enrolled veterans when the VA authorizes it. Pension benefits like Aid and Attendance may help veterans and surviving spouses pay for care.
Private health insurance
Some plans cover skilled nursing at home. We help you check your benefits.
Long-term care insurance
Many policies pay for home care. We can help with the paperwork your insurer needs.
Private pay
Pay directly for the hours and services you choose. Ask us for current rates.
Before you call
What to have ready
You do not need everything to get started, but these help us check coverage faster.
- Name, date of birth and address of the person who needs care
- Insurance, Medicaid or Medicare cards
- VA authorization or referral number, if you have one
- Case manager or care coordinator contact, if you have one
- Physician's name and phone number
- A rough idea of the days and hours you need help
Does Medicare pay for this care?
Medicare usually does not cover private duty nursing or ongoing help with daily activities. Medicaid programs, the VA, insurance and private pay may. We tell you which options fit your situation.
Let's talk about the care your family needs
Tell us a little about who needs care. A care coordinator will call you to talk it through and answer your questions.