We know that your loved one’s care is top priority. We also know how daunting it can be to make a financial plan to pay for that care. R&L Helpmates can ease this stress by guiding you through the payment process. We’ll work with you to develop an affordable plan of in-home care for your loved one that will meet your loved one’s needs, and stay within your budget.

The first step is exploring some of the financing options for at-home personal care. Medicaid, veterans’ benefits and personal resources are among the options available to you: 


For people with limited income and resources, Medicaid may be the best option for financing at-home care. Medicaid is a joint federal and state program designed to help those who qualify with certain health services, including some in-home services. For more information on Medicaid, visit or call 1.800.MEDICARE (1.800.633.4227). 

Veterans’ Benefits

Eligible veterans may qualify for some assistance in financing in-home care through the Department of Veterans Services (VA). The Housebound and Aid and Attendance Allowance program provides cash grants to eligible disabled veterans and surviving spouses. For more information, visit or call 1.800.827.1000. 

Private Pay

Individuals who don’t qualify for Medicare or Medicaid have the option of paying for in-home care privately. This includes:

  • Savings & Personal Funds. If your family plans to access savings and personal funds for at-home care, be sure to discuss the details with your loved ones and with qualified caregivers to ensure a payment plan is established before care begins.
  • Long-term Care Insurance. The coverage of long-term care insurance plans varies quite a bit, so it’s important to thoroughly research your current plan, or select a plan that will meet your needs for personal care in your home. For information on federal long-term insurance plans, visit or call 1.800.582.3337.
  • Life Insurance. Some life insurance policies may be used to pay for long-term care. Consult with your insurance agent to see if this is a viable option for you.
  • Trusts & Annuities. Some families find that trusts or annuities are their best option to pay for home care. To research this, and other private pay options, visit

When you’re ready to discuss financing in-home care, please feel free to call 570.455.6242, email, or stop by our office at 1201 B North Church Street, Suite 310, Hazleton, Pennsylvania, 18202. We have experience in creating effective financing plans for those we serve, and we partner with local Veterans’ Affairs offices and the Area Agency on Aging in Luzerne, Carbon and Schuylkill counties.


Source: and Medicare & You (the official U.S. government Medicare handbook), by the Centers For Medicare & Medicaid Services, 2015. For the most up-to-date information, or call 1.800.MEDICARE.