Payor Groups | Three Nurses Home Health

At Three Nurses Home Health, we offer both hourly and flat-rate personal care and skilled nursing services. Our dedicated staff member will work with you and your family to develop a care plan that meets your specific care needs and your budget. We will help you to arrange suitable payment options for the services you need by working with your insurance providers, potential sources of financial help, and government healthcare benefits. We work with Private Pay, Private Insurance, Medicaid, and Managed Care Organizations. We also accept Cash and Major Credit Cards.

There are several ways to pay for personal care services and skilled nursing services.

Government Programs

Older adults may be eligible for some government healthcare benefits. Caregivers can help by learning about possible sources of financial help and assisting older adults in applying for aid as appropriate.

The Centers for Medicare & Medicaid Services (CMS) offers several programs. Over time, benefits and eligibility requirements of these programs can change, and some benefits differ from State to State. Check with CMS or the individual programs directly for the most recent information.

1. Medicaid
Some people may qualify for Medicaid, a combined Federal and State program for low-income people and families. This program covers the costs of medical care and some types of long-term care for people who have limited income and meet other eligibility requirements. Who is eligible and what services are covered vary from State to State. To learn more about Medicaid, call 1-877-267-2323, TTY: 1-866-226-1819, or visit the Medicaid website. Or contact your State health department. For a State-by-State list, visit Medicaid's State Overviews page.

2. Department of Veterans Affairs
The U.S. Department of Veterans Affairs (VA) may cover long-term care or at-home care for some veterans. The VA also offers financial programs that pay cash to veterans and/or their spouses. These funds may be used to help pay for home care for veterans. If you think that you or your family member or relative is eligible for veterans’ benefits, check with the VA or get in touch with the VA medical center nearest you.

To learn more about VA healthcare benefits, call 1-877-222-8387, or visit the Veterans Health Administration or the Veterans Affairs Caregiver Support page.

3. Social Security Disability Income (SSDI)
This type of Social Security is for people younger than age 65 who are disabled according to the Social Security Administration's definition. For a person to qualify for Social Security Disability Income, he or she must be able to show that:

The person is unable to work
The condition will last at least a year
The condition is expected to result in death

Social Security has "compassionate allowances" to help people with Alzheimer’s disease, other dementias and certain other serious medical conditions get disability benefits more quickly.

To find out more about Social Security Disability Income, call 1-800-772-1213, TTY: 1-800-325-0778, or visit the

Social Security Administration.

To learn more about BenefitsCheckUp®, call 1-571-527-3900, or visit BenefitsCheckUp ®
For more information about Federal, State, and local government benefits, go to Benefits.gov or call

1-800-FED-INFO (1-800-333-4636).

Private Financing Options for Long-Term Care

In addition to government funds, there are several private payment options, including long-term care insurance, certain health insurance policies, and personal funds. Which option is best depends on many factors, including age, health status, personal finances, and risk of needing care.

1. Long-Term Care Insurance
Long-term care insurance covers many types of long-term care and benefits, including palliative and hospice care. The exact coverage depends on the type of policy you buy and what services are covered. You can purchase nursing home-only coverage or a comprehensive policy that includes both home care and facility care. Check your policy to see if it covers the services you need at home. We work with long-term care (LTC) insurance companies to bring you the care services you need.

2. Private Health Insurance
Most private insurers will cover the costs of short-term care after surgery or an injury not directly related to an auto or workers' compensation accident. High deductible plans tied to health savings accounts may offer tax advantages, so ask about that benefit. Check your private health insurance policy coverage for home health care services, as it varies from plan to plan.

3. Private Pay
Many individuals pay for home health care from their assets, investments, or savings. Liquidating possessions you no longer use such as vacation homes, vehicles, boats, land, etc. is another source to finance home care. Retirement income, savings, stocks, home equity or gifts from family members are all possible sources to help cover the cost of home health care. We accept Cash and Major Credit Cards under private pay options.

For More Information About Financing Options
202-619-0724
aclinfo@acl.hhs.gov

https://longtermcare.acl.gov/

This content was developed by the National Institute on Aging (NIA), part of the National Institutes of Health. NIA scientists and other experts review this content to ensure that it is accurate, authoritative, and up-to-date.