Navigating the financial side of in-home care can be overwhelming, especially when balancing the emotional and physical demands of caring for a loved one. At Dakota Home Care, we believe that high-quality home care should be both accessible and understandable. That’s why we offer a variety of payment options and free consultations to help you make informed decisions.
Whether you’re exploring care for a parent recovering from surgery or a spouse with a chronic condition, here’s what you need to know about how to pay for in-home care services.
Private Pay
For many families, private pay (also known as “out-of-pocket” payment) is the most straightforward and flexible method for covering home care services.
This option allows you to choose the level and frequency of care that best meets your needs—whether it’s hourly support, daily visits, or around-the-clock care—without being restricted by insurance limitations.
Private pay may be more affordable than nursing home placement in many cases, especially when care is tailored to only the hours and services required.
Long-Term Care Insurance
If your loved one has a long-term care insurance policy, it can be an excellent resource to help cover in-home care costs. Most policies provide coverage when a person needs assistance with at least two activities of daily living (such as bathing, dressing, or eating).
Dakota Home Care accepts long-term care insurance and is fully licensed and insured—requirements most insurance companies need in order to release benefits.
Before services begin, we’re happy to assist you in reviewing your policy details and working with your provider to ensure a smooth approval process.
Health Insurance
It’s important to understand that most health insurance plans do not cover non-medical home care services like companionship, personal hygiene assistance, or meal preparation. However, skilled nursing visits or private nursing care by the hour may be covered with prior authorization from your health insurance provider.
Medicaid
For eligible individuals, Medicaid offers support through its Qualified Service Provider (QSP) program. Dakota Home Care is a certified QSP provider, meaning we can deliver in-home care services under this benefit.
It’s important to note that prior authorization is required for skilled nursing visits and private hourly nursing care under Medicaid, but we’re here to help guide you through that process.
Veteran’s Care Program (VA Benefits)
We are proud to support those who have served our country by participating in the Veteran’s Care Program. The U.S. Department of Veterans Affairs offers home and community-based services for qualifying veterans, and Dakota Home Care is an authorized provider.
If your loved one is a veteran, they may be entitled to substantial home care benefits through this program. We can assist you with navigating eligibility, applying for aid, and coordinating care once approval is received.
Workforce Safety Insurance (WSI)
For individuals who are injured on the job, North Dakota’s Workforce Safety Insurance (WSI) offers coverage for in-home care services as part of their recovery and rehabilitation support.
As a WSI-approved provider, Dakota Home Care can deliver care services that help injured workers safely recover at home while maintaining comfort and independence.
Let Us Help You Explore Your Options
Figuring out how to pay for home care doesn’t have to be confusing. At Dakota Home Care, we offer free, no-obligation consultations to walk you through your options and determine any benefits for which your loved one may be eligible.
Let us help make the process smoother, so you can focus on what matters most—caring for your family. Contact us today to schedule a free consultation and take the first step toward personalized, affordable care.