f you are one of the millions of Americans who need home care services, you may be reluctant to get the process started because you are concerned about the cost.
The team at Victory Home Care is here to tell you that you have many options available to pay, regardless of your income. Don’t let your concerns about paying prevent you from getting the life-changing care you need!
Victory Home Care is proud to provide comprehensive home health care in Delaware County, helping residents maintain their independence through personalized support and expert navigation of Medicaid waiver programs.
What Kind Of Options You Can Choose
Here is more information about how you may be able to receive no-cost or reduced-cost home care services from Victory Home Care:
Private Pay
If you have the funds to pay for home care services on your own, that is always an option. Many people prefer to exercise more control over how their care is provided by cutting out the insurance company or government programs and paying directly.
Can I get home care services if my income is too high for Medicaid?
- For those who do not qualify for Medicaid, Private Pay is always an option. Additionally, the PA OPTIONS Program is specifically designed for Pennsylvania residents age 60 and older who are not eligible for Medicaid but still need financial assistance to stay in their homes. There are also Veterans Benefits (like the Aid and Attendance benefit) that can help cover costs regardless of traditional Medicaid status
Private Health Insurance
If your health insurance plan covers home care, you may be able to use it to cover your home care services from Victory. Get in touch with us to find out if we accept your insurance provider.
Veterans Association
We are proud to support those who have served by accepting VA insurance for our home care services.
Managed Care Organizations (MCOs)
For those who don’t have the income to pay out of pocket for home care and who don’t have private or VA health insurance, Victory participates in several MCOs that can help you pay. These include:
- Keystone First
- UPMC Community Health Choices
- PA Health and Wellness
- Options Program
- PAS Program
Medicaid Waiver Programs
If you are already on Medicaid, we honor various waiver programs, including:
- Act 150 Waiver – provides assistance for adults aged 18-59 who are mentally alert and have physical disabilities to perform activities of daily living
- Aging Waiver – provides assistance and community-based support to residents over the age of 60 who want to remain in their homes
- Attended Care Waiver – you may qualify if you require a nursing home facility level of care for a period of 12 months or longer and meet other requirements of the program
- OBRA Waiver – those with developmental or physical disabilities can receive community-based support that allows them to live as independently as possible
- COMMCARE Waiver – if you have been diagnosed with a traumatic brain injury, a waiver from COMMCARE can help you remain as independent as possible
- Independence Care Waiver – residents aged 18-60 who have difficulty with three or more major life activities (self-care, use of language, learning, mobility, and more) and who meet financial requirements may qualify for this waiver
Does Medicare Cover The Cost of Home Care?
Standard Medicare generally only covers “medically necessary” home health services, such as skilled nursing or physical therapy, for a limited time. It typically does not pay for long-term personal care, such as help with bathing, dressing, or meal preparation. However, if you are enrolled in certain Medicare Advantage plans or have Medicaid as well (Dual Eligibility), you may have access to broader home care benefits.
We understand that navigating the landscape of health insurance, government programs, and Medicaid waivers can be confusing, and our team is here to help you. We want you to get the care you need to live independently no matter what your circumstances may be!
Why You Shouldn’t Wait to Explore Your Options
Many people delay seeking help because they assume home care is only for those who can afford it out of pocket. In reality, programs like the PA OPTIONS program or the Caregiver Support Program are specifically designed to help those who fall into the “middle ground” individuals who may not qualify for full Medicaid but still need financial assistance to stay independent.
By starting the conversation early, you can avoid the stress of a crisis and ensure that when the need for care arises, your financial roadmap is already in place. Our goal is to bridge the gap between your needs and your budget, ensuring that financial hurdles never stand in the way of your safety and independence.
How Long Does It Take To Get Approved for Financial Assistance?
The application process for Medicaid Waivers and MCO enrollment involves both a financial review by the County Assistance Office and a functional assessment by the Independent Enrollment Broker (IEB). This process can take anywhere from 45 to 90 days. Because of this timeline, we recommend starting the application as soon as you realize care may be needed.
Call Us To Find Out What You Qualify For
Our team at Victory Home Care specializes in navigating the local landscape of home care in Montgomery County, making sure that residents can access the personalized support and financial programs they need to thrive at home.
Get in touch with us to find out if you may qualify for programs or waivers to pay for home care services. Call (215) 695-5877 or fill out our online contact form to get started today!