Deciding on home care can be confusing, especially when families are unsure about different types of insurance coverage or what they pay for. At Senior Helpers of Central Queens, we want to make this information easy to understand, clear, and helpful, so families can make confident choices that meet their needs.
Coverage Types & How They're Used
|
Coverage Type |
What It Is |
How It Can Be Used |
|
Self‑Pay |
Private payment directly from the client or family. |
Used for home care services like companionship, personal care, and respite without needing insurance approval. |
|
Long‑Term Care Insurance (LTCI) |
A policy that helps cover long‑term support needs. |
Can pay for home care services such as personal care, dementia care, and daily living assistance. |
|
Veterans Benefits (VA Aid & Attendance) |
Financial support for qualifying veterans and spouses. |
Can help pay for home care services such as daily assistance, personal care, and supervision. |
|
Medical Insurance (Aetna, UnitedHealthcare, etc.) |
Health insurance that covers medical and clinical services. |
Used for doctor visits, hospital care, medications, and therapies — not typically for non‑medical home care. |
|
Medicare |
Federal health insurance for adults 65+. |
Covers medical needs like skilled nursing, rehab, and home health — not ongoing personal care. |
|
Medicaid |
State‑funded insurance for eligible individuals. |
Can cover certain home‑care programs depending on the state, including personal care aides and long‑term support. |
|
Managed Long‑Term Care (MLTC) |
Medicaid‑based long‑term care plans. |
Provides ongoing home care services for eligible seniors needing daily assistance. |
At Senior Helpers of Central Queens, we want to make the process of getting care as easy as possible for families. Knowing what your insurance covers is a key part of planning for care at home, and we are here to help you understand it clearly and kindly. If you have questions about your specific coverage or need assistance finding out what your choices are, our team is always prepared to help you.