December 23, 2022

The Cost of Home Care: Who Pays and How Much?

Home care is a type of health care provided in the home to individuals who need medical and/or non-medical assistance with activities of daily living. Home care is designed to support individuals and their families dealing with an illness, disability, or other long-term health issues. Care is given by a team of professionals, such as personal care assistants, nurses, social workers, and other specialists.

How Much Does Home Care Cost?

When it comes to the cost of home care, the amount you can expect to pay can vary greatly depending on several factors. In the United States, the median national hourly rate for home care services is $20.00, according to a 2019 survey conducted by AARP. However, the hourly rate can be much higher in some areas, like New York. The same survey found that New Yorkers pay an average of $23.50 per hour for home care services.

It’s also important to note that while some home care services are covered by health insurance or long-term care insurance, others may require out-of-pocket expenses. The extent of coverage will depend on your policy and the type of services needed.

Who Pays?

Regarding the cost of home care, who pays and how much depends on the type of services required and the payment options available.

There are several payment options for home care services, including:

  • Private Pay: The patient or their family pays for care directly. This is the most common payment option, but also the most expensive.
  • Long-Term Care Insurance: This policy can help cover the cost of long-term home care services, such as physical therapy, occupational therapy, and speech therapy.
  • Medicare: May help pay for home care if specific criteria are met. For example, if a doctor determines that home care is medically necessary for a person’s recovery, Medicare may cover some of the cost.
  • Medicaid: May also provide some coverage for home care if the patient meets specific criteria.
  • Veterans Benefits: The Department of Veterans Affairs (VA) provides a number of benefits that can help pay for home care services. These include VA Aid and Attendance benefits, Homebound Allowance, and the VA Medical Foster Home Program.


At All Heart Homecare Agency, we believe that everyone deserves the best possible care. As a result, our staff provides affordable, quality services that meet your needs. So, we have you covered whether you’re looking for home care, private care, or disability services. Regardless of your needs, we will work with you to create a customized plan that works for you. Don’t hesitate to reach out to us today at 888-388-8989 to learn more about the cost of home care and how we can help you.

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