Pay Sources
Pay Sources
A Better Choice Home Care.’s services can be paid by the consumer and their family members, or through a variety of public and private sources, such as Medicaid, the Older Americans Act, and Medicare. We also accept payments made through the Veterans Administration and Social Services block grant programs. Read on for more information and call us in Windsor, Maine if you have any questions.
Self-Pay
Self-Pay
Home care services that fail to meet the criteria of third-party payer must be paid for "out of pocket" by the consumer or other party. The consumer and home care provider negotiate the fees. We accept credit card payments.
You can also have an assessment to see if you qualify for home care services at:
Seniors Plus/Elder Independence of ME.
1-800 427-1241/1-207-795-7213
Medicaid and Medicare
Medicaid and Medicare
Administered by the states, Medicaid is a joint federal-state medical assistance program for low-income individuals. Each state has its own set of eligibility requirements; however, states are only mandated to provide home health services to individuals who receive federally assisted income maintenance payments, such as Social Security Income and Aid to Families with Dependent Children (AFDC), and individuals who are "categorically needy."
Categorically needy recipients include certain aged, blind, and/or disabled individuals who have incomes that are too high to qualify for mandatory coverage but below federal poverty levels. Individuals younger than 21 who meet income and resources requirements for AFDC, yet otherwise are ineligible for AFDC, also qualify as categorically needy.
Under federal Medicaid rules, coverage of home health services must include part-time nursing, home health aide services, and medical supplies and equipment. At the state's option, Medicaid also may cover audiology; physical, occupational, and speech therapies; and medical social services. Hospice is a Medicaid-covered benefit in 38 states. The Medicaid hospice benefit covers the same range of services that Medicare does.
Long-term care insurance primarily was intended to protect individuals from the catastrophic expense of a lengthy stay in a nursing home. However, as the public need and preference for home care has grown, private long-term care insurance policies have expanded their coverage of personal care, companionship, and other in-home services.
Considerable care should be taken in selecting a long-term care insurance policy, as home care benefits vary greatly among plans. Consumers should be aware of limitations on coverage, such as prior hospitalization requirements, and pre-existing condition exclusions. Some policies may only pay for services that are already covered by Medicare.