Paying for home care should be one of the simpler parts.
We accept three payment paths: private pay, long-term care insurance, and VA Aid & Attendance benefits. Each one is straightforward when you know what to expect.
Honest answers, no sales pitch.
Most home care websites are vague about money. We are not going to be. Below is exactly how each payment option works, what it covers, and how we help you use it.
If something does not make sense, call us. We will walk you through it.
The most flexible option. You pay us directly for the hours of care your family needs, week by week.
Our private-pay rates range from $27 to $32 per hour depending on the level of care needed
Dementia and Alzheimer's specialty care: $29 to $34 per hour
Overnight and 24-hour care: rates available during your free assessment
Weekly billing via auto-pay (ACH or credit card)
No setup fees, no assessment fees, no cancellation fees
Cancel or change scheduled hours with 24 hours notice
Most families start here. It is the simplest way to begin care while you explore whether long-term care insurance or VA benefits also apply.
Wartime veterans and their surviving spouses can receive monthly benefits to help pay for home care. Most who qualify never apply.
Single veterans may qualify for approximately $2,300 per month in 2026 benefits
Married veterans may qualify for approximately $2,750 per month
Surviving spouses of qualifying veterans may receive approximately $1,500 per month
Eligibility: at least 90 days of active duty service with at least 1 day during a defined wartime period, honorable discharge, and need for help with daily activities
We connect veteran families with VA-accredited claims agents in Houston who handle the application process
Our clinical documentation strengthens your claim by demonstrating medical need for care
You can begin care immediately -- expenses count retroactively once your claim is approved
If you or your spouse served in WWII, Korea, Vietnam, the Gulf War, or another wartime period, you may qualify. Even if you have been told no in the past, eligibility rules change. Ask us at your assessment.
If your loved one purchased a long-term care insurance policy in their 50s or 60s, those benefits can cover most or all of the cost of home care.
We work with all major carriers including Genworth, Mutual of Omaha, John Hancock, Lincoln Financial, Northwestern Mutual, and Transamerica
We help you understand your policy's daily benefit, elimination period, and what services are covered
We provide the documentation your insurer needs: care plans, daily visit logs, ADL assessments, and itemized invoices
Many policies allow assignment of benefits, so the insurer pays us directly and you avoid out-of-pocket expense
Our Clinical Director (a Nurse Practitioner) coordinates with your insurer's care assessor when required
Have a policy and not sure what it covers? Bring it to your free assessment. We will read it with you and explain what is actually possible.
What about Medicare and Medicaid?
Medicare does not cover non-medical home care services. This is true for every home care agency, not just ours. Medicare only covers short-term skilled nursing or therapy visits ordered by a physician after a hospital stay -- and only for medical procedures, not personal care or companionship.
We are not currently a Medicaid provider. We plan to expand into Medicaid waiver programs in the future, but at this time we cannot accept Medicaid as payment.
If Medicare or Medicaid is your only option right now, we are happy to refer you to trusted agencies in Houston who do accept those programs.
What to expect once care begins.
We bill weekly, every Friday, for the prior week's services. You receive an itemized invoice that lists every visit, the caregiver, the hours worked, and the total. Payment is processed automatically via the ACH or credit card on file.
No surprises. No paper invoices to track. No phone calls to remind you. If a week's hours change because of a hospitalization or family visit, we adjust the invoice before billing.
For families using long-term care insurance, we provide the documentation packet your insurer requires alongside your weekly invoice. For VA Aid & Attendance families, we provide the records you need for your annual VA review.
Frequently Asked Questions
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Our private-pay rates range from $27 to $32 per hour, with dementia specialty care at $29 to $34 per hour. Pricing depends on the level of care needed. We provide a written rate quote at your free in-home assessment.
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Most modern LTCi policies cover non-medical home care, but coverage varies by policy. The easiest way to find out is to bring your policy to your free assessment. We will help you understand your daily benefit, elimination period, and what services qualify. Many families discover they have far more coverage than they realized.
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VA claims typically take 6 to 9 months to process from application to approval. However, expenses you pay during the application period count retroactively once your claim is approved. Many families begin care before their VA approval comes through, which we fully support.
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No. There are no long-term contracts. You can adjust your hours weekly, pause services for a hospital stay or vacation, or end services entirely with a simple notice. Care should adapt to your family, not the other way around.
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If an LTCi claim is denied or delayed, you remain responsible for the bill, but we work with you to resolve the issue with the insurer. In our experience, most claim issues are documentation gaps that can be fixed quickly. We provide every piece of paperwork your insurer asks for.
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Yes. We work with adult children frequently. The billing account can be in your name, your parent's name, or shared. Payment can come from any source -- your account, a parent's account, a trust, or a combination. We are flexible.
Still have questions about how to pay?
That is what your free assessment is for. We will walk through your situation, your loved one's needs, and every payment option available to you -- with no pressure and no obligation.