Who Pays for Home Care in Philadelphia, PA?

Who Pays for Home Care in Philadelphia, PA?

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When your loved one gets older, they may require home care services.  Caregivers can assist with daily tasks. Some also provide skilled nursing to clients with medical conditions. So who pays for home care services?

Home care can be expensive, but fortunately, families aren’t always left with the bill. Pennsylvania offers several Medicaid programs that cover home care costs. Families can also use private insurance. 

Read on to find out your options.


Pennsylvania offers three Medicaid programs that provide financial assistance for home care. They include:

Pennsylvania Department of Aging Waiver: The waiver is available for seniors who require nursing facility care but prefer to stay in their homes. It is for people 60 and over. It offers basic daycare, respite care, home medical equipment, and home modifications.

Services My Way (SMW) Program: This program allows Medicaid-eligible elderly or disabled Pennsylvania residents to choose friends and relatives as caregivers. The caregivers are paid through the program. Individuals must require nursing home-level care and meet income and asset requirements.

Pennsylvania Community HealthChoices (CHC) Program: CHC is available for Pennsylvania residents 21 and over who require nursing home-level care. People receiving services via the PDA waiver are automatically enrolled. Individuals must meet asset and income requirements to receive care.

who pays for home care


Various types of insurance plans cover home health care. They include private insurance, long-term care insurance, and life insurance. Some are standalone policies; others are part of private insurance plans.

Many home care facilities accept insurance. Talk to your provider to find out which services are covered. Make sure the agency you choose accepts your insurance.


Families often cover their loved one’s home care expenses. Even those with insurance or eligible for Medicaid may be required to cover part of the cost. However, there are ways to make home care more affordable.

Agencies and state services offer options for friends and families to get paid to care for their loved ones. They can enter a training program to learn new skills. They receive pay and benefits. Some can even turn caregiving into a lucrative career.

Families can also make care more affordable through wise investment choices. They may consider annuities and reverse mortgages to cover costs. They may also be able to deduct care costs from their taxes.

SarahCare Makes Home Care More Affordable

Families struggling to afford home health care for their loved ones must find an agency that offers the financial services they require. They may look for an agency that is Medicaid-approved, accepts their insurance, or provides training for relatives who wish to care for their loved ones. SarahCare checks off all the boxes.

SarahCare works with all Managed Care Plans in the Community HealthChoices Network. We also work with long-term care insurance plans. Our Choose Your Caregiver Program allows clients to hire a friend or family member as a caregiver.

We provide various comprehensive services. Our Adult Day Care services allow seniors to receive the care they need in a vibrant community setting. Our caregivers can also provide care to clients in the comfort of their homes.

Contact us to discover how we can improve your loved one’s quality of life.