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(203) 433-4325(203) 433-4325 1008 Main Street Suite 3, Branford, CT 06405
Madison Home Care Agency

Understanding Home Care

Solving the Mystery of Private Pay Home Care

Who Pays for Home Care?
Medicare? Medicaid?
The Bottom Line…

You are reading this brochure because it has been recommended that you may need home care? It is a common misconception that the care a person needs as they age will be provided to them through Medicare or their private health insurance. Medicare and health insurance cover important therapeutic services that are meant to treat a particular health issue, but these issues can create needs beyond medical care.

When someone is living with a health condition or chronic illness, they often experience difficulty with the basic activities of daily living, such as grooming and bathing, getting dressed, etc.

Home care services are meant to provide for these needs outside of medical care that a person experiences because of a medical issue or as part of the aging process. Here are typical questions and answers concerning home care to help you make informed decisions!

Understanding Your Home Care Needs In CT Image

What is Non-Medical Private Pay Home Care?

Non-Medical, private pay or (private duty) home care agencies are companies that provide caregivers that deliver com-panion care, homemaker services and personal care in the comfort of your home, assisted living or rehab facility. Medicare and Medicaid typically covers skilled care and is administered by trained professionals. For example, skilled nursing is required for a complicated wound and skilled therapy care is required for the development of a home exercise program to recover from a hip replacement operation.

Non-medical home care or Custodial care is care that is provided by a an Certified Nursing Assistant (CNA) or Home Health Aide (HHA) to help individuals complete their activities of daily living (ADLS) such as bathing, dressing, preparing meals, eating, toileting walking etc…Most private duty, private pay agencies will be pleased to work in conjunction with any current Skilled home healthcare/hospice provider or personal physicians to ensure all the needs are met.

While Medicare will cover a limited amount of custodial care given by a CNA or HHA during the time someone is receiving skilled care, extended or ongoing custodial care is not paid for by Medicare.

Then Who Pays for Non-Medical/Custodial Care?

Typically the client or family will pay for non-medical (custodial care) services. Some health insurance companies provide a limited amount of coverage for home care. Most Long Term Care insurance and Workers Compensation policies do cover home care services.

Understanding CT Home Health Care Image

I Am a Medicaid Recipient, Can I Receive Non-Medical/Custodial Care? 

Yes, if you qualify? Connecticut has obtained a special Medicaid home care waiver in order to offer home care services which are not traditionally defined as medical services, such as companion, homemaking and personal care.

Only elders aged 65 and older are eligible for this program. Both financial need and functional eligibility must be estab-lished by an applicant.

To gain a better understanding of home care eligibility under the CHCPE program visit the Agency on Aging website to find the agency that services your town. www.ctagenciesonaging.org.

Help for the Veteran!

If you are a veteran or surviving spouse of a veteran, and you need assistance at home due to your disabilities, you may be eligible for a non-service disability pension.

Ask your home care provider for information about the “Aid in Attendance” program which is supported by the US Dept. of Veterans Affairs. There are companies available to you that will handle all the paperwork required to get the benefits to you very quickly…

Depending on your marital status there may be as much as $2,054 per month or $24,648 annually for life!

Please note, not all home care agencies are approved by the (CHCPE) (Connecticut Home Care Program for Elders) to provide care. Make sure the home care agency you contact is approved before you begin the in-terviewing process or call your local Agency on Aging for a list of providers.

Mission Statement

Our mission is to make a difference in the lives of seniors who wish to retain their independence in the comfort of their home. We strive to bring peace of mind to our seniors, as well as their families. We are committed to providing affordable, trustworthy, and personalized care.