Clear answers about cost and options
Knowing what care costs matters as much as knowing what to expect.
The basics
How our pricing works
Care is provided hourly, on an as-needs basis. The cost depends on the type of care, how many hours are in the plan, and the schedule. The Care Plan and schedule are based on assessed needs and can be reviewed if those needs change over time.
Every situation is different. During your free phone consultation, we will learn about your loved one’s needs and answer your initial questions. The next step is an in-home assessment so we can understand the full picture before the Care Plan and final pricing are confirmed.
Your options
Ways families pay for care
Families may use one of these options or a combination, depending on the terms of their policies or benefits.
Private pay
Private pay is one way families pay for non-medical home care. The Care Plan, schedule, and start date are discussed after the in-home assessment and based on care needs.
What to expect
- Start date options will be discussed
- Scheduling options will be decided
- A Care Plan built around assessed needs
- A Care Plan that can be reviewed as needs change
Long-term care insurance
If your loved one has a long-term care policy, the insurer can tell you whether home care is covered and what requirements apply. We can provide information about our services and the agency documentation your insurer requests.
How we can assist
- Agency information for your insurer
- Documentation our agency can provide
- Information about Heavenly Helpers services
Life insurance benefits
Some life insurance policies may include living benefits, accelerated benefits, or long-term care riders that can be used toward care. Your insurer can explain whether your policy applies and what requirements must be met.
What may apply
- Living or accelerated benefits
- Long-term care riders
Good to know
Understanding long-term care insurance
Does my policy cover home care?
Coverage depends on the policy. Your insurance provider can explain eligibility, benefit requirements, and what the policy will pay. We can provide information about our services and the agency documentation your insurer requests.
What activities do policies look at?
Most long-term care policies look at six everyday activities: bathing, dressing, toileting, transferring (moving from bed to chair), continence care, and eating. Many policies begin paying once help is needed with two or more of them.
Is there a waiting period?
Some long-term care policies have an elimination or waiting period before benefits begin. The length and rules depend on the policy, so your insurance provider is the best source for the exact terms.
What if I do not see my payment provider listed?
Please call for more information. Our team can explain the current payment options and the next steps for your situation.
Can I combine payment sources?
Some families use more than one payment source, depending on the terms of their policies or benefits. Your insurer or benefit provider can explain what is allowed. We can provide information about Heavenly Helpers services and pricing once the assessment and Care Plan are complete.
What if my situation changes?
Talk with our team. The Care Plan and schedule can be reviewed when needs or circumstances change, with any updates coordinated around the revised Care Plan and schedule.
Questions about cost?
A free phone consultation is the first step. We can answer initial questions, then explain the in-home assessment and what comes next.