Paying for In-Home Care

There are several ways older adults and people with disabilities can pay for in-home care. Each program offers its own services and supports and determines its own criteria for eligibility.

Select a financial option to learn more.

Private Pay: Private pay refers to using personal funds to cover all or a portion of an expense. There are different ways to acquire private pay resources.

Long-Term Care Insurance: Long-term care insurance helps cover the costs of long-term services and supports at home, in an assisted living facility or in a nursing home.

Reverse Mortgages: A reverse mortgage is a type of home loan older homeowners can use to tap accrued equity in their house for cash. Recipients can use the money to pay off debts, supplement other income, or pay healthcare expenses.

HUSKY Health and Medicaid: This program provides a comprehensive health care benefit package including preventive care, primary care, specialist visits, hospital care, behavioral health services, dental services, hospice and prescription medications to eligible individuals.

CT Home Care Program for Elders (CHCPE): This program enables older adults to remain in their homes with services and supports instead of residing in a nursing facility or other institutional setting to receive care.

Community First Choice (CFC): Community First Choice (CFC) offers a variety of services and supports to help individuals meet their goals and to provide hands-on care and supervision in their home and community while self-directing staff.

Money Follows the Person Program (MFP): This federal demonstration program helps individuals living in long-term care facilities and on Medicaid transition back into the community. A wide range of services and supports are available.

Acquired Brain Injury (ABI) Waiver: This waiver provides services and supports for individuals with an acquired brain injury who are receiving or otherwise would receive care in an institution.

Personal Care Assistance (PCA) Waiver: Adults aged 18 to 64 with disabilities in need of assistance performing Activities of Daily Living can apply for the Personal Care Assistance Waiver to receive long-term care from a trained, personal care assistant while at home.

Katie Beckett Waiver: This waiver provides Medicaid healthcare services to individuals aged 21 and younger with a physical disability who would not normally qualify for Medicaid due to family income.

Mental Health Waiver: This program serves individuals with serious mental illness and provides an array of home and community-based services that enable Medicaid recipients to live in the community and avoid institutional care.

DSS Waiver for Persons with Autism: This Medicaid Waiver provides a range of home and community-based services for people with Autism Spectrum Disorder (ASD).

Medicare: This is the federal health insurance program for older adults, people with disabilities and people with End-Stage Renal (Kidney) Disease and ALS. Benefits can be received through different programs and policies either from the government or a private insurance company.

CT Home Care Program for Disabled Adults: This program offers services and supports to people with degenerative, neurological conditions in need of case management, services and supports who are unable to qualify for Medicaid and other services.

National Family Caregiver Support Program: This program offers a range of services to support family caregivers such as short-term respite, home safety modifications, personal emergency response systems (PERS) and connecting caregivers with support groups.

Connecticut Statewide Respite Care Program: This program helps individuals with Alzheimer’s and other related disorders and their families with a variety of respite care services and supports.