Private Pay for In Home Care & Costs


Making the Most of Savings Pensions When Paying for Home Care

Families who do not receive veterans benefits or have long-term care insurance often use a combination of their Social Security benefits, private pensions, savings, home equity, or reverse mortgages to pay for home care. Though not ideal, these options are sometimes the most immediate means of covering the expense of in-home care.

Our home care experts provide recommends for care that meets your family’s needs, while being sensitive to cost and helping you to get the most out of your savings. We also have additional resources and information on home care assistance programs that can help reduce the financial burden of caring for a loved one.

Frequently Asked Questions on Paying for In-Home Care

How does billing work?

There are a few options that each office may offer depending on the way you would like to be billed. We have automated billing and paper billing options.

Can I pay for home care online?

Yes, we do have online payment options. Call your local office to inquire about the payment options available to you.

Do you take insurance or Medicaid?

We do accept most long term care insurance plans. It is best to contact your local office to find out if your long term care insurance plan is accepted. Medicaid is not accepted for most of our offices, but there are a few offices in certain states that can. Again, please contact your local office to find out for sure.

Do I need to sign a contract with Empress if I need care?

You would sign a non-binding service agreement (non-binding meaning the agreement has no set time period). For example, care could be for one day or for months at a time.The contract is valid for 6 months, but you don’t need to start care immediately after signing. Signing the contract is simply a guarantee that fees will be paid once care begins.

Do I pay the caregiver or do i pay Empress?

For our offices that operate as registries, you pay the caregiver and Empress Home Care separately. If your local Empress Home Care office is an agency, you would make one payment to the office for the total cost of care. Contact your local office to find out more!