Funding options for Personal Care Services

At AccentCare, we help clients find the best ways to pay for personal care services. With our experience in different funding options, we can guide you in finding the most affordable solution for you or your loved one.

Flexible payment options

Area Agency on Aging (AAA)

• Offers support for seniors 60+ and low-income families
• Can provide caregiver and in-home services on a short-term basis
• Temporary help available while Medicaid applications are processed
• We work with AAA offices in Texas to help with coverage and referrals

Self pay

• Clients can pay out-of-pocket for personal care services
• Flexible support options, from two-hour visits to round-the-clock care
• No contracts required for services

Long-term care insurance (LTC)

• Private insurance that can cover in-home personal care services
• Bought privately or through employers
• Usually has a monthly maximum payout and deductible
• Payments can be made to the agency or policyholder

Nonprofits and grant funding

• Funding for in-home care and respite relief provided by organizations like the Alzheimer’s Association and American Heart Association
• Grants are usually short-term and for a fixed amount
• We can help explore local organizations for funding and guide clients on how to partner with them

Medicaid and Managed Care organizations

• State-funded benefit for low-income individuals
• Access to services requires an intake assessment to determine patient eligibility
• Services can range from six to 30+ hours per week
• We help with determining eligibility and making referrals to the state

Employer-provided benefits

• Some employers offer benefits for care of senior parents or employees at a certain age
• We can set up contracts with employer programs and work with your employer’s benefits or care management department to arrange services

Workers’ compensation insurance

• This insurance covers personal care for qualified injured workers
• Services must be authorized, contracted and paid for by workers’ compensation insurance or a care management company

Support for Veterans — and their families

Veterans Aid and Attendance benefit

• This program helps low-income Veterans and their spouses pay for in-home services like personal care
• We work with several companies to help you get this benefit and can guide you through the process or refer you to someone who can help

Veterans Homemaker program

• The U.S. Department of Veterans Affairs (VA) provides services to eligible Veterans to help them stay safe and independent at home
• This program can prevent hospital stays by providing personal care hours, as long as the Veteran meets the eligibility criteria
• We work with local VA offices and can explain the benefits or refer you to someone who can assist with eligibility