Common options for paying for in-home care
Private pay is the way most people pay for in-home care. Money from savings, a retirement account or generated from downsizing a home can all be used to pay for home care. Children or other family members can also contribute towards supporting a loved one at home either by formal or informal agreement.
Medicare Advantage Plans
Most Medicare Advantage plans (Medicare Part C) now cover unskilled in-home care services including personal care, medication management, and mobility assistance. They also cover the cost of temporary in-home help after a surgery or help at home after an extended hospital stay to avoid readmissions. Medicare Advantage is a supplemental Medicare plan and most people are only eligible after being approved for traditional Medicare.
Reverse mortgages are gaining popularity among seniors who have equity in their home and want additional income. They allow homeowners over the age of 62 to convert part of their home equity into a tax-free income without having to sell their home or give up title to it. The borrower must continue to reside in the house and pay all property taxes and insurance. The loan principal and interest are typically paid back from the proceeds of the sale of the home once the last borrower has permanently left the home.
The Veterans Administration (VA) has many financial programs for veterans and their families, some of which can be used to pay for care in the home. Check with the local VA office, or visit the U.S. Department of Veterans Affairs website, to find out what financial support you or your loved one qualify for.
Washington DC, Northern Virginia and Maryland In‑Home Care from OndeCare
Planning for the Cost of In-home Care
If you or a loved one’s aim is to age in place, an essential part of the planning is to consider how in-home care will be funded if and when it becomes needed. Talk to a financial advisor specializing in retirement planning to ensure the money is set aside from savings or can be made available from other sources. Consider LTC insurance and look into whether you or your loved one qualifies for Medicare Advantage or VA financial assistance.
4.9 out of 5 stars.
Maria was absolutely amazing! She instantly bonded with my father and immediately took care of his needs. She engaged him in conversation and made him feel alive and whole. She went above and beyond to care for him. She surpassed my expectations at such short notice. She's God sent and I highly recommend her to care for your loved one.
Leigh is very friendly and conscientious. Our mom enjoys Leigh's company and we appreciate that our mom is getting excellent care.
Ms. T gives great care to my boys. I am so happy that we chose each other
Patricia is very kind and professional. My husband was comfortable with her and so was I. She is experienced and took care of my husband with planning and critical thinking. We will definitely be happy to have her return to us to provide care. Thank you.
Great work! Betty is super thorough and goes above and beyond to do her best. I'll be working with Betty again!
Stefana was awesome. She listened to my instructions I left to a T. She played games with my kids. Took my daughter to and from a play date. When I came in they were watching a nature show and talking about animals.
Very patient and nice. Works well with my son. Will book again in the future if available.
Aukia did a fantastic job! You can tell she has a strong education background because she took time out of the day to do some lessons with my kids, including learning the days of the week! Would absolutely book again.
I’m so glad Zachary had a fun day with Latonya. She was great and it really made my life easier to know he was in great hands this week.
Artrez is wonderful! Punctual, friendly, and my kids loved him. He went above and beyond (cleaning and creating entertaining activities for the kids). Highly recommend!
Toni was a great help, very patient with my Mom. Positive vibe overall. Thank you for the great work.
Really appreciated her willingness to adapt to our last minute changes. Took well to the kids and assisted with care
Anwar was amazing!
Kelsey was super communicative, on time, and asked great questions to make sure she provided good care for our daughter. She definitely had a lot of experience with infants and really kept her cool when the baby was losing it.
Cori is great! She arrived on time, with short notice. She was very kind and patient with my child as well as my nervous pup. Super friendly, professional and helpful. Highly recommended!!
Patricia is kind , caring , fun and responsible with our special needs son . He looks forward to seeing her. So happy to have met :)
OndeCare served its exact purpose for me yesterday. I woke up sick at 5.30 AM, booked Adailia at 7 AM, and she was here at 9 AM to save me (and take care of my twin infants).
Shertarra was great! She is very conscientious and made herself available at very short notice, even on Christmas Day!
Patricia is great! Very knowledgeable, kind/caring, capable, and easy to get along with - it would be hard to find anyone better.
Christina has been an absolute Godsend for us. She is doing a phenomenal job and we're actually going to see if she can help us out even more. We are more than pleased with her help!
Jessica is always the best ,reliable great care and excellent company.
Andrea was booked last minute & we really lucked out! She was warm, attentive and really made my parents feel comfortable immediately.
Jennifer has cared for my Mom and daughter. She is fantastic all around! She has a wonderful attitude and goes above and beyond with everything. I trust her completely to care for our family and I can't recommend her enough.
Overall I had a great experience and I am very pleased with Jaynine and I look forward to a nice working relationship. I have seen a lot of caregivers when I was in a rehab facility for three months and I am now able to judge their character, Jaynine made a great impression on me.
Cherita did a wonderful job taking care of my Mom. She was prompt, professional and quickly learned the morning routine. She related well to my Mom and we look forward to having her come back.
Nicole was wonderful! She was on time and understood the need for PPE. She was willing to enthusiastically do anything I asked her to do, and her medical knowledge was invaluable. Great job Nicole!!
Chereve was fantastic with our son! She showed up early, was fantastic with my four year old when he wasn’t feeling well. My son said he loved her!
Heaven did a phenomenal job keeping my multiple kids well taken care of the entire evening. She played with them, made dinner, and cleaned up leaving everyone and everything better than when I left!
Amber was great. She arrived early and immediately engaged with our girls (19 months & 5 years) and managed bath and bedtime routine. She even took the time to clean our counters and then some. I’d definitely rehire and recommend.
Alice is becoming a fan-favorite here at Fellowship City Church! She is incredibly professional, but also very warm and welcoming. She's great with the kids, and always works well with whatever other childcare worker she is paired with. We can't wait to use her more and more in the future!
Rae was excellent. My son was happy & had fun. She went above and beyond to help me in tasks that are challenging bc of my health when she didn’t have to do that. Very thankful to have had her help. Highly recommend!
Marc is very upbeat and seems to be bonding well with my son. We are lucky to have him to help take care of my son
Shanelle cared for my boys over the summer and consistently went above and beyond what was expected of her! Both boys are very fond of her, and I was able to work and know they were safe and well cared for - an experience we couldn't get from daycare centers. I will absolutely be looking forward to working with her more in the future!
Manny is a great companion for our son. He is very cognizant that primary caregivers get the relief they need while his client gets the attention, independence and community interaction he needs. And just a really great guy!
Tracee has been great with our grandson. She is kind, patient, and very calming for his energy. She is reliable and very good with him. He likes spending time with her
Lee has done everything that I have asked of her and now I can breathe when my son, who has special needs, and requires constant monitoring for his medical condition is in her care. I can trust lee with his life.
Our four girls loved Aukia. She was fantastic and helped us out for portions of 8 days over a 2-week period. Very calm and comforting demeanor and engaging with the kids. Was always early. We would highly recommend Aukia and look forward to seeing her again.