Skip to main content

How to Pay for Home Care

We accept Medicaid Waiver Programs and private pay. Here’s how to figure out what’s right for your family.

Figuring out how to pay for home care is one of the most common questions families ask us. The good news: you have more options than you might think.

Neighborly Home Care works with both Medicaid Waiver Programs and private-pay families across Philadelphia and the surrounding areas. Whether you are navigating state programs for the first time or planning care for a loved one with private resources, our team will walk you through the process step by step.

If you’re not sure which option is right for your family, please call us at 610-658-5822 or schedule a free consultation. We’ll listen to your issues and work together to find the best way forward.

Medicaid & Government Programs

Pennsylvania’s Medicaid program offers several waiver programs that can pay for in-home personal care services for seniors and adults with disabilities. If your loved one qualifies, Medicaid can help cover their home care costs.

We accept Medicaid Waiver Programs

We have helped many families navigate the Medicaid application and enrollment process. You do not have to go through this alone. We will help you understand your options and help you every step of the way.

How to Find Out if You Qualify

Medicaid eligibility for home care in Pennsylvania depends on meeting both financial and functional criteria. You must qualify on both to receive services.

Financial eligibility

  • Income and asset limits apply (these vary by program)
  • Some programs have higher limits than people expect
  • Spouses may have different rules from individual applicants

Functional eligibility

  • Your loved one needs assistance with daily activities (bathing, dressing, meals, mobility, etc.)
  • A state assessment is conducted to determine level of care needed
  • Many people who need home care qualify — contact us if you’re unsure
Talk to Us

What to Do Next

Call

Call us at 610-658-5822 to discuss your loved one’s situation

Programs

We’ll help you understand which programs may apply

Application

We can guide you through the application or connect you to the right resources

Billing

Once enrolled, we handle billing directly with the program — no further paperwork for your fa

Private Pay & Concierge Home Care

Private pay is the right fit for families who want to move quickly, need more flexibility than a program allows, or simply want care built entirely around their loved one’s life.

What sets our private pay caregivers apart

We accept less than 20% of caregiver applicants. Every private-pay caregiver passes a national criminal background check, a thorough skills assessment, reference verification, and our internal NHC qualification process. You’re not choosing from a registry — you’re getting a fully vetted, trained, and insured Neighborly Home Care employee.

Who Private Pay is Right For

  • Individuals who prefer maximum flexibility in scheduling and caregiver selection
  • Clients who want specialized services like live-in care, overnight care, or 24/7 supervision
  • Estate planning situations where long-term care resources are already in place
  • Anyone who simply wants the assurance of the very best caregivers, matched specifically to their loved one

Long-Term Care Insurance

Many private pay clients use long-term care insurance to cover their home care costs. Neighborly Home Care can bill your long-term care insurance company directly and will assist with all needed documentation for pre-authorization and ongoing payments.

What Private Pay Care Costs

We offer one straightforward hourly rate for private-pay care, the same rate regardless of shift length, overnight care, or the number of hours worked. Your total cost simply reflects the number of hours of care your loved one receives. There are no surprise charges for overtime, mileage, or after-hours shifts.

In households where care is needed for more than one person, we will explain how that care is structured during your free consultation. When you call us, you will get clear, honest pricing and know exactly what to expect from the start.

Not sure which option fits your family?

We’ve helped families navigate every kind of situation over our 40 years of collective experience. Whether you’re just beginning to research your options or ready to start care, we’re happy to talk through everything with you — no pressure, no confusing jargon.

Let’s Talk