Payment Options
Ways to Pay for Home Care in Florida
Families pay for home care in Florida through Medicare, Medicaid, long-term care insurance, VA benefits, or private funds. Focus Family Care verifies your coverage at no charge and explains exactly what you will owe before care begins.
Quick Answer
There are five main ways to pay for home care in Florida: Medicare (for skilled care when homebound), Florida Medicaid (for eligible members), long-term care insurance, VA Aid & Attendance benefits, and private pay. Focus Family Care accepts all of these, verifies coverage for free, and offers flexible private-pay plans.
Key Takeaways
- Focus Family Care accepts **Medicare, Florida Medicaid, VA benefits, long-term care insurance**, and private pay.
- **Free insurance verification** and a written estimate before care begins.
- Medicaid, Medicare, and VA benefits bring the cost to **$0** for many families.
- Flexible **private-pay plans** (cards, bank transfer, checks) are available.
The Main Ways to Pay for Home Care
Most families use one or a combination of five payment sources for home care. Focus Family Care helps determine which you qualify for and handles the paperwork.
| Payment source | Best for | Typical out-of-pocket |
|---|---|---|
| Medicare | Skilled care when homebound | **$0** for covered services |
| Florida Medicaid | Eligible low-income & LTC members | **$0** for covered services |
| Long-term care insurance | Policyholders who meet the trigger | Reduced or **$0** |
| VA Aid & Attendance | Eligible veterans & spouses | Reduced or **$0** |
| Private pay | Immediate start, no approvals | $28–$35 / hour |
Private Pay and Flexible Billing
Private pay lets care begin immediately without waiting on insurance approvals. Focus Family Care accepts credit and debit cards, bank transfers, and checks, and offers custom payment plans through secure, HIPAA-compliant systems.
Insurance, Medicaid, Medicare, and VA Benefits
Focus Family Care is Medicare-certified and a Florida Medicaid provider, and it bills most long-term care insurance policies. Its billing specialists verify benefits, coordinate long-term care policies, and help veterans access VA Aid & Attendance. See the Medicare and Medicaid coverage pages for details.
How We Know This
Focus Family Care is a Florida-licensed home health agency and nurse registry (License NR #30211928, HHA #299995403) accredited by ACHC. Guidance on this page is reviewed by the agency's Director of Nursing, and coverage details are verified with each family's insurance before care begins.
Sources
Frequently Asked Questions
What is the cheapest way to pay for home care?
For eligible families, Medicaid, Medicare, and VA benefits cover home care at $0 out of pocket. Focus Family Care verifies which programs you qualify for at no charge.
Can I pay privately for home care?
Yes. Focus Family Care accepts private pay by card, bank transfer, or check, with flexible payment plans, so care can start immediately without insurance approvals.
Does the VA pay for home care?
Yes. VA Aid & Attendance benefits can pay for home care for eligible veterans and surviving spouses. Focus Family Care helps determine eligibility and file the paperwork.
Request Home Health Care Today
Focus Family Care starts care in as little as 24 hours. Call now or request an in-home assessment. We answer around the clock.
515 N Flagler Drive, Suite 350, West Palm Beach, FL 33401