Creative Ways to Help Families Pay for Home Care Assistance Throughout Greater Grand Junction, CO

Comfort Keepers is here to help aging adults and their families find helpful ways to pay for private home care assistance in Grand Junction, Fruita, Palisade, and the surrounding area

In home care assistance is an excellent option for someone who wants to live independently but still needs help with daily life activities and tasks. Care can range from a couple of hours of support per week to around-the-clock care and include many quality care services like homemaking, meal preparation, running errands, companionship, and full-skilled nursing care. Rates vary depending on the hours needed and the care required. But, there are many options to assist in paying for care!

Various Payment Methods for In Home Senior Care Services

Our administrative team at Comfort Keepers is second to none in assisting in finding the funding needed for you or your loved ones. To learn more about how to pay for care, continue reading below or contact our agency today at (970) 232-2165.

Long-term Care Insurance

• Comfort Keepers accepts many forms of long-term care insurance policies. It is within our expertise to call the insurance company and accept an assignment of benefits. This allows us to take full responsibility for billing and payment by billing the insurance company directly.

Veteran’s Benefits

• Veterans and the surviving spouses of veterans may be eligible for some in home care assistance from the Department of Veterans Affairs, either through health benefits offered to veterans or in the form of a monthly cash benefit.
• If your loved one is homebound, these benefits may be even higher. Comfort Keepers has a proven relationship with the Veterans Administration and can provide help and information in applying for these programs. 

Humana Medicare Advantage

• This program covers personal care services for members of Humana Medicare Advantage receiving services from a Hospice Agency or members who are discharging from a health institute to home.
• To find out if you qualify:
  • Call Humana Personal Home Care Directly at 800-290-9576
  • Care Managers can email referrals to phcs@humana.com

Medicaid

• This program covers a limited amount of long-term care for those who qualify.
• This will only pay for in home care assistance if provided by a Medicaid-certified care agency, not by an independent, paid caregiver or family member.
• To find out about Medicaid eligibility and coverage for in home care assistance, call 1-800-221-3943 or visit www.colorado.gov.
• You can also reach out to the Area Agency on Aging in Mesa County at 970-248-2717 and Hopewest in Grand Junction at 970-241-2212.

PACE

• “Program of All-Inclusive Care for the Elderly” provides comprehensive home and community care for frail elders who would otherwise require care within a nursing home.
•  PACE is only available in certain areas, and eligibility is restricted to low-income seniors, usually those eligible for both Medicare and Medicaid.
• Mesa County is getting ready to start this program through Hopewest; contact them at 970-241-2212.

Life Insurance Policies

• Some Life Insurance Policies can be converted into cash to help pay for care, even a term life insurance policy.
• Comfort Keepers administrative staff can help you find out.

Personal and Family Assets 

• There are several ways personal and family assets can be used to help pay for in home care assistance.
• Refinancing your loved one’s home with a line of credit or cash-out option.
• Gathering contributions from those family members who may not be able to actively help with daily care but have the means to help pay for care.

Reverse Mortgage 

• This is a particular type of FHA-insured home equity loan that allows people to receive cash against the value of their home without selling it.
• Several mortgage companies offer reverse mortgages.

Uranium Workers’ Benefits

• If you or a family member has incurred a respiratory illness, kidney cancer, or fibrosis silicosis within the last 60 years (even if the family member is deceased) and they worked as a uranium miner, uranium miller, worked at a processing plant, or transported uranium between 1942 and 1971, they may qualify for $150,000 to $275,000 tax-free.
•  This compensation can help pay for long-term care.

Contact Comfort Keepers Today to Learn More About Your Options

Interested in learning more about how to pay for in home care assistance? Comfort Keepers has trained Client Care Managers that can go through these options to see what works best for your family. Contact our care team today to speak to a representative and schedule your free, no-obligation consultation with a Client Care Manager.