Insurance And Payment Options

Financial Options That Work For You

What Does At Home Senior Care Include?

For many seniors, aging at home and maintaining their independence is preferred over moving into a nursing home. Often, it’s the little things like meal preparation, accompanying to doctor appointments, and help around the house that are needed most to make living at home possible. Additionally, caregivers can provide help with getting dressed, personal hygiene, and companionship where more intense supervision and assistance is required.

Insurance Options Long Term Care
Medicare Not Covered
Health Insurance Not Covered
Private LTC Insurance Covered

What Does Insurance Pay For?

Unfortunately, Medicare and regular health insurance do not cover long-term in-home senior care services. Private Long Term Care Insurance, or LTC, covers most of the costs associated with caring for seniors as they age and need assistance with their daily routines. Medicaid Managed Care Plans also cover many of these services.

Long Term Care plans We Accept:

As a licensed nurse registry, at Caring Home Care we have experience working with Long Term Care (LTC) insurance policies. We also offer a variety of payment options if you’d prefer to pay out-of-pocket for our in-home services.

Private Long Term Care Policies:

  • Allianz
  • Bankers Life and Casualty
  • Brighthouse Life Insurance
  • Continental General Insurance
  • CNA Insurance
  • Conseco/Ship
  • Genworth
  • Hartford Long Term Care
  • John Hancock
  • John Alden Life
  • Lincoln Benefit Life
  • Life Insurance Co. of N. America
  • Metlife Insurance Co.
  • Metlife Long Term Care
  • Mutual of Omaha
  • New York Life
  • National States
  • Transamerica Insurance
  • United Security Assurance
  • Unum Provident
  • We work with any LTC policy, Call us today!

Medicaid Managed Care Plans (LTC)

  • Aetna Better Health of Florida (Miami-Dade, Orlando)
  • Florida Community Care (Miami-Dade, Broward)
  • Florida Pace Centers
  • Little Havana
  • Humana (Miami-Dade, Broward, Palm Beach, Orlando)
  • Molina Health Care of Florida (Miami-Dade)
  • Simply (Miami-Dade, Broward)
  • Sunshine/WellCare Health Plans (Miami-Dade, Broward, Palm Beach, Orlando)
  • United Health Care (Miami-Dade)

How About Private Pay?

Many of our clients choose to pay privately for the services their aging parents need most to live in their home and maintain their independence. Caring Home Care can customize and bundle a services mix that’s right for your family and budget. Below are two example packages:



  • Meal Prep
  • Light Housekeeping
  • Shopping

  • Companion Care
  • Need More? Try Full Daily Care



  • All of Light Daily, Plus…

  • Bathing/Dressing
  • Bathroom Assistance
  • Doctor Appointments
  • Medication Reminders

Out-Of-Pocket Options

If you’d rather pay for our in-home services on your own, we have several options you can choose from, including:

  • Credit cards, such as Visa, MasterCard, American Express, and Discover

  • Personal Checks

  • Electronic Funds Transfer (EFT)

For your convenience, we have the forms you will need to make a payment included below:

Need A Caregiver? Fill Out Form Below

With our competitive rates, we make receiving in-home care affordable regardless of whether you’re using your insurance or paying out of pocket.