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Paying for care3 min read

Paying for care at home: Medicare, Medicaid, private pay, and insurance

Who pays for which kind of help at home, in general terms. The short version: Medicare pays for skilled care for a while, not for aides for the long haul.

Written and reviewed by Cardinal Care Advisors, Buffalo, New York. Published September 26, 2026.

Paying for careAt home

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The one thing to know first

Medicare and Medicaid sound alike and pay for very different things. Medicare is health insurance for people 65 and over. Medicaid is the state and federal program for people with limited income and assets, and it is the main public payer for long-term help at home. This page is general information, not financial or legal advice; the programs have detailed rules, and the offices linked below can answer for your situation.

Medicare

Medicare can pay for home health: part-time skilled nursing and therapy, ordered by a doctor, for someone who has trouble leaving home, from a Medicare-certified agency. It can include some aide help while skilled care is going on. It does not pay for round-the-clock care, for meals, or for an aide when help with daily activities is the only need. Durable medical equipment such as a walker or hospital bed may be covered with a doctor's order.

Medicare and Medicaid sound alike and pay for very different things.

Medicaid in New York

Medicaid can pay for ongoing help at home: personal care aides, or the Consumer Directed Personal Assistance Program, where the person hires their own aide. Eligibility depends on income and assets, and the need for help is set by an assessment the state arranges. Most people who need Medicaid help at home for more than a few months receive it through a managed long-term care plan. There is never a fee from Cardinal on care Medicaid pays for.

Private pay

Agencies bill by the hour, and rates vary by agency and by the kind of help. Ask for the rate in writing, the minimum visit, and what changes on weekends and holidays. Knowing how many months savings will cover helps you decide when to look into Medicaid, and our runway tool can help you do the arithmetic.

Long-term care insurance

If there is a policy, read the home care section. Most policies pay a daily or monthly amount after a waiting period, and many require a licensed agency. Call the insurer early; claims take time to start.

Veterans

The VA has home care programs for enrolled veterans, and the Aid and Attendance pension can help pay for help at home for eligible veterans and surviving spouses. A VA-accredited representative can help with the claim at no charge.

County programs

Every county Office for the Aging runs programs for people who do not qualify for Medicaid, including New York's EISEP program for in-home help, with a cost share based on income. Waitlists are common, so call early.

Official sources

These open another website. We link only to government agencies and established nonprofits.

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General information for families in Western New York, written by Cardinal Care Advisors. Not medical or legal advice; a physician, an elder law attorney, or a licensed assessor decides the things that need deciding. Tell us if something here is wrong or out of date: hello@thecardinalgroup.org.

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