How to Pay the Cost of In-Home Care

Many people can grow older at home with the help of home care. An important consideration when deciding if home care is right for your family is cost. How much does in-home care cost in Boone, NC and surrounding areas? Costs vary, depending on whether you need care for a few hours per week, several hours per day or 24/7 home care.

How do people pay for in-home care? You may have more home care payment options than you might expect. Ashe Home Care will learn about your loved one’s needs, answer your questions and create a plan to help you afford in-home caregiver costs. Here are some of the most common ways of paying for in-home care:

Long-Term Care Insurance

For those who have long-term care insurance, we accept most major providers. Depending on the plan, we can accept payment directly from the insurance company or they can reimburse you for payment. We can guide you through the process of enrolling in health insurance programs.

Veterans’ Benefits

The Veterans Administration provides several programs for veterans who need help with bathing, eating, dressing and other daily tasks. Many people don’t realize they’re eligible for veterans’ benefits. Ashe Home Care can help you navigate this process and connect you with the proper local VA representatives to coordinate care. We work closely with the local VA case workers in Western NC and the Triad.

Private Pay Home Care

Many clients pay for home care services costs out-of-pocket. We accept payment via cash, check or PayPal and work with a wide variety of budgets and needs. Some people use annuities, life insurance, reverse mortgages and other tools to cover the cost of in-home care.

Care Vouchers

There are a variety of local programs to help cover the cost of in-home care in Western NC for those in need. Based out of Boone, NC, High Country Caregiver Foundation offers a voucher program for respite services. This program is for those in need throughout the high country in Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes and Yancey counties.

Workers’ Compensation

In some situations, home care may be covered by workers’ compensation. If you’re injured on the job and your physician determines home care is medically necessary and related to the work injury, you may be able to pay for home care through workers’ compensation.


Medicaid coverage for home care varies, but may include short-term in-home care for acute conditions, such as following a hospitalization or stay in a rehab or skilled nursing facility. Medicaid may also cover long-term care in some situations.

We accept three different care programs through Medicaid to assist with activities of daily living. All Medicaid programs have strict income and financial limits to qualify for services and will require a local social worker to assist with getting accepted into the program. Here is a brief description of each program:

Personal Care Services Also known as PCS, this program has an expedited option through the assigned state entity to provide personal care services based on an initial assessment.

Community Alternatives Program For AdultsCommonly known as CAP-DA, this program allows elderly and disabled adults to receive home care in Boone, Wilkesboro, West Jefferson and the surrounding area as an alternative to a nursing home. If you’re considering CAP-DA, call us and we can assist with the paperwork and provide guidance throughout the process.

Community Alternatives Program For Children – Commonly known as CAP-C, this program allows children with medical complications or mental disabilities and their families. They can receive a variety of services at home as an alternative to institutional placement.

Call us at (336) 846-1345 to learn more about the cost of in-home care and explore your home care payment options. We can develop home care plans for most budgets and levels of need.