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Payment Information

Understanding your options: Medicare, Medicaid, and Private Pay

Ways to Pay for Care

At Andbie Homecare, we know that understanding how to pay for care can feel overwhelming. In Pennsylvania, many families use a combination of Medicare, Medicaid, and private pay to cover home care services. The information below is meant to give a simple, easy-to-read overview of these options.

Coverage and eligibility can vary based on your individual situation and insurance plan. Our team is happy to talk with you and help you explore which options may apply to you or your loved one.

Questions About Payment?

We’re here to help you understand your options and next steps.

Phone: 484-846-5648
Email: Info@andbiehomecare.com
Address: 6419 Market St, Upper Darby, PA 19082

Office Hours: 10:00 AM – 3:30 PM
Service Hours: 24/7

Medicare

Medicare may help pay for home health services when they are medically necessary and ordered by a doctor.

What Medicare May Cover

  • Skilled nursing care and certain therapies in your home
  • Some personal care services when they are part of a care plan

Key Points

  • You must use a Medicare-certified home health agency.
  • Medicare generally pays after you meet the Part B deductible.
  • You are usually responsible for about 20% of the Medicare-approved amount for covered services.
  • Medicare will only pay for services from one home health agency at a time.

Medicaid (Including Community HealthChoices)

Medicaid is a program for people with limited income and resources. In Pennsylvania, many home and community-based services are provided through the Community HealthChoices (CHC) waiver program.

Eligibility Basics

  • Financial eligibility based on income and assets
  • Medical need that is similar to nursing facility-level care
  • Preference to receive services at home or in the community

Services That May Be Covered

  • Personal care and help with daily activities
  • Companion care and respite for family caregivers
  • Other supports, depending on your CHC plan

How Payment Works

  • Medicaid pays the home care agency directly for approved services.
  • Some consumer-directed options allow you to help choose who provides your care. Caregivers must be employed by a participating agency and meet state requirements such as background checks and training.

Private Pay

With private pay, clients or their families pay for services directly using personal funds and other financial resources. This option offers the greatest flexibility in scheduling, services, and care plans.

Common Ways to Pay Privately

  • Income and personal savings
  • Retirement funds and pensions
  • Long-Term Care (LTC) insurance benefits
  • Home equity options, such as reverse mortgages
  • Certain life insurance policies with early benefit options
  • Financial help from family members

Why Families Choose Private Pay

  • High level of choice in caregivers and schedules
  • Ability to customize the exact hours and type of support you want
  • No waiting periods or approval process from insurance programs

Blending Different Payment Sources

Many families combine different options to meet their needs. For example:

  • Using Medicare for short-term skilled services
  • Using Medicaid or Community HealthChoices for ongoing support
  • Adding private pay hours for extra help or flexibility

Our team can talk through your situation and help you explore which mix of options may be available.

How to Get Started

  1. Talk with your doctor. Ask whether home care services are appropriate and request a referral if needed.
  2. Review your benefits. Contact your Medicare plan, Medicaid plan, or other insurance to confirm what is covered.
  3. Explore Medicaid options. If you think you may qualify, you can apply for Medicaid through the Commonwealth of Pennsylvania’s online portal or local County Assistance Office.
  4. Contact Andbie Homecare. We can discuss your needs, help you understand possible payment options, and work with your insurance when applicable.

Disclaimer: This page is for general informational purposes only and does not replace advice from your doctor, insurance plan, attorney, or financial advisor. Coverage and eligibility depend on your individual circumstances, plan details, and state rules.