Payment and Care Options

Ways to Pay for Care at Home

Understanding how home care is funded should not feel overwhelming. Depending on your situation, care may be available through Medi-Cal programs, Medicare-related initiatives, Veterans benefits, long-term care insurance, or private pay. Explore the options below, or let our team help you understand where to start.

Which option may fit me?

Pick the statement that sounds closest to your situation. This is a guide, not an eligibility check.

CalAIM / Medi-Cal / Medicaid

Eligible Medi-Cal members may receive approved non-medical in-home support through CalAIM Community Supports, including personal care, homemaker assistance, and caregiver respite.

Best for: Medi-Cal members

Learn about CalAIM

Medicare

Traditional Medicare does not generally cover ongoing non-medical home care. However, eligible clients may receive support through specific Medicare programs, including the GUIDE Model for dementia care.

Best for: Seniors 65+

Explore Medicare options

GUIDE Program

The GUIDE Medicare Model supports eligible individuals living with dementia and their caregivers. Qualifying families may have access to care coordination, caregiver education, and respite services through a participating GUIDE organization.

Best for: Dementia care

Learn about GUIDE

Veterans Affairs (VA)

We help eligible Veterans and their families understand VA programs that may assist with in-home care, including the Homemaker/Home Health Aide program and pension-based benefits such as Aid and Attendance.

Best for: Veterans & families

Explore Veterans benefits

Private Pay

Private Pay gives families the freedom to arrange care based on their preferred schedule, level of support, and changing needs without relying on government-program eligibility or waiting for approval.

Best for: Immediate care

See Private Pay options

Long-Term Care (LTC)

Many long-term care insurance policies include benefits for eligible home care services. Coverage depends on the terms of your individual policy, including benefit triggers, elimination periods, and covered services.

Best for: Policy holders

Using Long-Term Care (LTC)

Compare

Compare your options at a glance

A quick overview of which programs may help with non-medical home care and how each one works.

Program	May help with non-medical home care?	Qualification / payment basis	Learn more
CalAIM / Medi-Cal / Medicaid	Yes, for eligible Medi-Cal members	Medi-Cal eligibility and authorization	View
Medicare	Limited; skilled care only when requirements are met	Medicare home health benefit requirements	View
GUIDE Program	Yes, for eligible Medicare beneficiaries with dementia	CMS GUIDE participation and eligibility	View
Veterans Affairs (VA)	Yes, for eligible Veterans	VA eligibility and authorization	View
Private Pay	Yes	Direct payment by family	View
Long-Term Care (LTC)	Yes, depending on policy	Individual policy terms	View

CalAIM / Medi-Cal / Medicaid

May help with home care?: Yes, for eligible Medi-Cal members
Qualification / payment: Medi-Cal eligibility and authorization

View program

Medicare

May help with home care?: Limited; skilled care only when requirements are met
Qualification / payment: Medicare home health benefit requirements

View program

GUIDE Program

May help with home care?: Yes, for eligible Medicare beneficiaries with dementia
Qualification / payment: CMS GUIDE participation and eligibility

View program

Veterans Affairs (VA)

May help with home care?: Yes, for eligible Veterans
Qualification / payment: VA eligibility and authorization

View program

Private Pay

May help with home care?: Yes
Qualification / payment: Direct payment by family

View program

Long-Term Care (LTC)

May help with home care?: Yes, depending on policy
Qualification / payment: Individual policy terms

View program

Still not sure which option applies?

You do not need to figure it out alone. Tell us a little about your situation and we will help identify the most appropriate next step.