Understanding Your Options for Funding In-Home Support

Choosing home care is one of the most meaningful decisions a family can make. At TRUCARE PLUS CAREGIVERS, financial clarity is just as important as quality care. That’s why we help families explore different options for paying for non-medical in-home services with confidence and transparency.

  • Private Pay

    Most home care services in California are privately funded. Private pay provides complete flexibility, allowing you to customize your care plan without restrictions or waiting periods. TRUCARE PLUS CAREGIVERS offers straightforward pricing, detailed care outlines, and guidance to help you manage care hours effectively.

  • Long-Term Care Insurance

    If you or a loved one holds a Long-Term Care (LTC) insurance policy, it may cover certain in-home care services, such as personal care, companionship, or daily living assistance. Our team assists clients in preparing documentation, submitting claims, and communicating with LTC providers for faster processing.

    Helpful Tip: Review your policy’s “Home Care” section or reach out to your insurance representative to confirm benefit eligibility and reimbursement options.

  • Public Programs (Limited Coverage)

    While non-medical home care is generally not covered under standard health insurance plans, some public programs may offer partial support:

    • Medicare – Covers short-term, medically necessary home health care prescribed by a physician.
    • Medi-Cal – May provide limited support through programs such as IHSS (In-Home Supportive Services), subject to county approval.

    If you think you might qualify for assistance, TRUCARE PLUS CAREGIVERS can help connect you to the appropriate agencies and guide you through the process.

  • Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA)

    Depending on your plan, non-medical in-home care may be reimbursable through your HSA or FSA. We recommend confirming eligible expenses with your benefits administrator to make the most of your plan’s resources.

  • Family Contributions

    Many families choose to share the cost of caregiving among relatives. We can help you coordinate payment schedules and billing arrangements to ensure a smooth process that works for everyone involved.

  • Let’s Talk About Your Options

    If you’re unsure how to get started or which funding path is right for you, we’re here to help. TRUCARE PLUS CAREGIVERS offers free care consultations to review your needs, explore financial options, and design a care plan that fits your budget and lifestyle. Reach out to us today!