Funding Service Options

Private or Commercial Health Insurance policies typically do not cover in-home care services.  Always best practice to ask your commercial provider if they do cover any non-medical in-home care services, as health insurance providers are trending towards starting to cover these services because in-home care can help an individual remain safe and independent at home, which is a better cost savings than in facility care.

Long-Term Care Insurance can provide an income stream to pay for the cost of care in a variety of settings. Although mistakenly called “Nursing Home Insurance” by many people, these policies also help pay for services needed for people who want to age in place at home.

Covered services typically include personal care, companionship, and other in-home services they desire and need as various care needs arise. The amount of benefit varies based on the level of policy purchased.

Generations Home Care, LLC works with some of the largest Long Term Care Insurance providers and can help you navigate your LTC policy.  Contact us for more information.

The Veteran’s Aid and Attendance (A&A) Pension is a resource for non-medical home care services.  There are specific war periods, ADL requirements and financial eligibility requirements. This benefit is for the Veteran and surviving spouses who require regular assistance with Activities of Daily Living (ADL’s) – personal care activities that are fundamental to caring for oneself and maintaining independence and Instrumental Activities of Daily Living (IADL’s) – are not necessary for fundamental functioning, but allow an individual to live independently – housekeeping, homemaking, shopping and medication reminders.

Click here to fill out a pre-screening form to see if you or your loved-one might meet VA Aid and Attendance requirements.

If a Veteran is in the VA Health Care System and has needs for assistance with Activities of Daily Living (ADLs) and/or Instrumental Activities of Daily Living (IADLs) the Veteran can inquire with their VA Primary Care Provider (PCP) to see if the Veteran might be eligible (based on needs) to receive an order for non-medical services via their PCP for Home Health Aide / Homemaker / Respite services funded by the VA through their Community Care Network (CCN). If approved for Home Health Aide / Homemaker / Respite services, then you will be assigned a provider. You can specify your provider of choice. Generations Home Care, LLC is a proud provider in the VA Health Care Systems Community Care Network. Please contact us for more details.

Generations Home Care, LLC specializes in private pay in-home care and support services.  In addition, we can help you navigate skilled care you might be eligible for under your Medicare Benefits, like home health, palliative, mobile services and hospice, as we work hand-in-hand with our Skilled Medicare Partners in our community.

We can customize a care plan to specifically meet the needs of you and/or your loved-one. Whether your needs are great or small, we can give you all of the options that make sense for your unique situation. Give us a call and one of our Generations Home Care, LLC Care Plan Specialists will be happy to customize a plan just for you. Rates vary by number of hours and level of care.  Contact us at 602-595-4663 or click here to fill out our contact us form.

Medicare does not typically cover non-medical home care unless a patient is eligible for Home Health Care (skilled nursing), continues to meet that requirement, and the non-medical home care is provided by a Home Health Agency. Even with these requirements, there is a limit to how much care will be covered. Visit https://www.cms.gov for more information. Just recently some Medicare Advantage plans have begun to cover non-medical home care services, like assistance with Activities of Daily Living and Homemaker Services. Best to inquire with your plan.

Administered by individual state governments, Medicaid is a joint federal-state medical assistance program for low-income individuals. Arizona’s Medicaid Agency, AHCCCS offers services for individuals who require nursing home or in-home care. These services are offered through the Arizona Long Term Care System (ALTCS). This program is intended for individuals who are age 65 or older, blind or have a disability (at any age) and need ongoing services at a nursing facility level of care. Many ALTCS members live in their own homes and receive needed in-home services.

Individuals requiring medically necessary home care services as a result of injury on the job might be eligible to receive coverage through their employers Workers’ Compensation Insurance.  Generations Home Care, LLC works closely with Workers Compensation providers.