Does Medicare cover non-medical home care?

Generally, no. Traditional Medicare (Parts A & B) covers medical (skilled) home health care, but it does not cover non-medical personal care or homemaker services if that is the only care you need. Some Medicare Advantage (Part C) plans may offer limited supplemental benefits for personal care, but it varies by plan.

How do I apply for Medicaid Waivers (CCSP/SOURCE) in Georgia?

Application processes involve an assessment of both financial eligibility and functional need (requiring an intermediate nursing home level of care). We can provide guidance on where to start the application process with the Area Agency on Aging in Georgia.

Can I mix payment methods for home care?

Yes. For example, if a VA program or Medicaid waiver covers 10 hours a week, but you need 20 hours to ensure safety, you can use Private Pay to cover the additional hours.

What is the difference between Private Pay and Long-Term Care Insurance?

Private Pay means the family or individual pays out-of-pocket directly to the agency. Long-Term Care Insurance is a policy purchased specifically to cover future care needs. With LTC insurance, you typically pay the agency directly, and the insurance company reimburses you based on the care notes we provide.

Does health insurance cover home care?

Standard health insurance (like Blue Cross, Aetna, etc.) typically does not cover non-medical home care. They usually only cover short-term skilled nursing or physical therapy after a hospital discharge.

Home Care Financing Guide

Home Care Payment Options in Georgia

Understanding how to pay for home care can feel overwhelming. At Dream Living Support Services, we offer transparent guidance on Private Pay, VA Benefits, Medicaid Waivers, and Long-Term Care Insurance.

Discuss Your Options Call (404) 360-0220

Navigating Home Care Financing

Whether you are planning for future needs or requiring immediate assistance, understanding your financial options is the first step. We accept multiple forms of payment and work with several state and federal programs to reduce the out-of-pocket burden on families in Metro Atlanta.

During our free initial consultation, we will review your specific situation, discuss your care needs, and help you identify which payment options you might be eligible for.

Transparent hourly and daily rates
No hidden fees or surprise charges
Assistance with insurance documentation
Flexible scheduling to fit your budget

Consultation meeting to discuss paying for care

Comprehensive Payment Options

Explore the primary ways families fund non-medical home care services in Georgia.

Private Pay Home Care

The most flexible home care financing option. Private pay allows you to customize care schedules, choose specific services, and start care immediately without waiting for program approvals. You pay directly via check, credit card, or ACH.

Explore Private Duty Services

Long-Term Care Insurance

Many Long-Term Care (LTC) policies cover non-medical personal care and homemaker services. We assist families by providing the necessary documentation, care plans, and daily care notes required by your insurance provider for reimbursement.

Get Help with LTC Insurance

Medicaid Waiver Programs

For eligible Georgia residents, Medicaid Waiver programs like CCSP (Community Care Services Program) and SOURCE cover non-medical home care services. These programs allow seniors to age in place safely rather than entering a nursing facility.

Learn about Georgia Medicaid Waivers

VA Community Care

Through the VA Community Care Network and programs like Aid & Attendance, eligible veterans and surviving spouses can receive home care services at little to no cost. We are proud to serve those who served our country.

Learn about VA Home Care

OWCP (Federal Worker Support)

Dream Living Support Services is enrolled with the U.S. Department of Labor's Office of Workers' Compensation Programs (OWCP). We provide approved non-medical in-home care for injured federal workers.

Explore OWCP Support

Medicare Advantage

While traditional Medicare does not cover non-medical home care, some Medicare Advantage (Part C) plans now offer limited supplemental benefits for personal care and assistance with activities of daily living.

Learn about Medicare Advantage

Compare Home Care Payment Methods

A quick overview of eligibility, flexibility, and coverage for each option.

Payment Option	Flexibility	Eligibility	Coverage Speed
Private Pay	High (Choose any schedule/service)	Anyone	Immediate
Long-Term Care Insurance	Medium (Depends on policy)	Policyholders meeting ADL criteria	After elimination period (often 30-90 days)
VA Community Care	Medium (Authorized hours only)	Eligible Veterans & Spouses	Requires VA authorization
Medicaid Waivers (CCSP)	Low (State approved care plan)	Low-income seniors needing nursing-level care	Requires state assessment & approval
OWCP	Medium (Based on injury needs)	Federal workers with approved claims	Requires Dept of Labor authorization

Cost Comparison Calculator

See how in-home care compares to facility-based options. Adjust the slider to match your estimated care needs.

Your Care Needs

Hours of Care per Week20 hrs

Part-time (4h)Full-time (40h)24/7 (168h)

Why Choose Home Care?

• Pay only for the hours you actually need
• One-on-one personalized attention
• Comfort of remaining in familiar surroundings
• Flexible scheduling that adapts to your life

In-Home Care

With Dream Living Support

$2,425 /mo

Based on 20 hrs/week at estimated Georgia average rates.

Get a Custom Quote

Assisted Living

Base rate (often excludes care)

$4,500/mo avg.

Nursing Home

Semi-private room

$8,000/mo avg.

*Disclaimer: Costs are estimates based on state averages and do not represent exact quotes. Facility costs often do not include personalized one-on-one care.

Frequently Asked Questions

Common questions about paying for home care in Georgia.

View Our Ultimate Payment FAQ Guide

Ready to Discuss Your Care Options?

Contact our care coordinators for a free, no-obligation consultation. We'll help you understand costs and identify the best payment options for your family.

Schedule Free Assessment