Flexible, Hassle‑Free Ways to Pay for Home Care & Home Health Services
At Breakthrough Healthcare, we believe that high‑quality care should be accessible, simple to arrange, and flexible for families. That’s why we accept multiple forms of payment and allow patients to combine several at the same time.
Whether your loved one receives non‑medical in‑home support or skilled medical care, we help you choose the payment method that fits your situation.
Understanding Home Care vs. Home Health Care
Home Care
This includes all *non‑medical, nurse‑supervised* support that helps clients remain safe, comfortable, and independent at home.
Examples: personal care, companionship, mobility assistance, daily living support.
Home Health
Home Health includes *medical services* such as nursing and therapy, and uses different billing, authorization, and eligibility rules.
If you’re looking for *medical Home Health services*, please go here:
Learn about our Home Health services
Note: Home Care and Home Health are separate service lines and are paid differently.
Nurse‑Supervised In‑Home Care Services
These services are *non‑medical* and provided under the oversight of a licensed nurse. They support independence, safety, and well‑being at home.
- Memory Care Support
- Case Management
- Coordination of Care
- Transportation Services
- Exercise Program* (continuing therapist‑recommended exercises from PT/OT)
- Meal Preparation & Nutrition Support
- Errands & Shopping Assistance
- Household Chores & Light Housekeeping
- Medication Setup, Monitoring & Assistance* (non‑injectable medications)
- Advanced Personal Care* (Hoyer lifts, sit‑to‑stands, mobility assistance, bathing, dressing, toileting)
- Vital Sign Monitoring
Accepted Forms of Payment
Private Pay
CareScout
Long-Term Care Insurance (LTCI)
Traditional Health Insurance (varies by service)
Medicaid (for applicable programs)
VA Benefits & VA Home Health Authorizations
Genworth
Patients may use any combination of these payment options.
Our team can help families blend benefits to maximize coverage and minimize out-of-pocket costs.
Frequently Asked Questions
Do you accept VA benefits for Veterans?
Yes. We accept VA benefits and can work with VA authorizations for in‑home care, nursing, and certain therapy services.
We also help families understand how VA benefits and other payment types can work together.
Can we combine multiple payment types?
Yes — absolutely.
Many families use a combination such as:
- VA Benefits + Private Pay
- LTC Insurance + Private Pay
- CareScout + LTC Insurance
- Medicaid + Private Pay
- Genworth + Private Pay
Our care coordinators will help you build a plan that fits your financial and care needs.
What is Private Pay?
Private pay simply means paying out-of-pocket using:
- Debit/credit card
- Bank draft
- Trust accounts
- Family-shared payment
Private pay is often used to increase hours of care beyond what insurance or programs cover.
What is Long-Term Care Insurance (LTCI), and do you accept it?
Yes — we accept all major LTC insurance companies.
We also help with:
- Benefit verification
- Claims submission
- Care notes required for reimbursement
- Policy-specific documentation
We make using LTCI smooth and stress-free.
Do you accept traditional health insurance?
Yes, but coverage varies depending on:
- The insurance plan
- The service needed
- Whether the service requires prior authorization
We will verify benefits before care begins and explain everything clearly.
Does Breakthrough Healthcare accept Medicaid?
Yes, for applicable services.
Medicaid may cover certain home health or in-home support programs depending on eligibility and needs. We can help you understand which services apply.
What are CareScout and Genworth?
These are companies that coordinate or manage long-term care benefits.
CareScout
A network that authorizes in-home care based on your LTC benefits.
Genworth
A major long-term care insurance provider whose policies can fund personal care and support services.
We accept both.
Will you help us understand our benefits?
Yes. Our team provides:
- Benefit verification
- Program education
- Explanation of coverage limits
- Help navigating LTCI requirements
- Support with VA or Medicaid processes
- Guidance on combining payment sources
We make the financial side as easy and stress-free as possible.
Can services begin while benefits or authorizations are pending?
Yes.
Families often start care with private pay while waiting for:
- VA authorization
- LTCI approval
- Medicaid confirmation
- Insurance approvals
Once activated, your benefits may begin covering part or all of the care.
How do we get started?
You can start by:
- Calling our office
- Requesting an in-home assessment
- Asking us to verify your benefits
- Telling us what services you’re looking for
We’ll walk you step-by-step through the financial side and care planning.
Our Promise to Families
- Breakthrough Healthcare is committed to:
- Flexible options
- Clear explanations
- No hidden fees
- Helping families maximize benefits
- Providing exceptional care regardless of payment source
Talk to a Care Coordinator Today
We’re here to help you understand every option