Care Providers of North Carolina
Care Providers of North Carolina
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    • Home
    • About
    • Services
    • Caregivers
    • Contact
    • Paying for Home Care
    • Helpful Websites
    • Privacy Policy
Learn More About Us
  • Home
  • About
  • Services
  • Caregivers
  • Contact
  • Paying for Home Care
  • Helpful Websites
  • Privacy Policy
Learn More About Us

How to Pay for Home Care?

We proudly offer home care services designed to help individuals remain safe, comfortable, and independent in their own homes. We understand that navigating payment options can feel overwhelming, so we've outlined the primary ways we accept payment for our services. Our accepted payment methods include:

VA Benefits

Medicaid (including CAPS/DA, PCS, and Managed Medicaid plans)

Long Term Care Insurance

Private Pay



VA Benefits

We accept VA funding for eligible Veterans and, in some cases, their surviving spouses. The VA provides coverage for in-home care through programs such as:


  • Aid and Attendance (A&A) or Housebound benefits, which add monthly payments to a VA pension to help cover the cost of personal care and assistance with daily activities.
  • Homemaker/Home Health Aide (H/HHA) services.
  • Veteran-Directed Care (VDC) or other community-based long-term care options.


These benefits often help pay for non-medical personal care, companionship, and assistance with activities of daily living (ADLs) like bathing, dressing, grooming, meal preparation, and mobility support. Many services are provided with little to no out-of-pocket cost for qualified individuals, depending on eligibility and authorization. To determine eligibility and get started, we recommend contacting your VA social worker, local VA medical center, or applying through VA.gov. We can assist with coordination once benefits are approved—our team is experienced in working with VA claims and authorizations.


Medicaid (CAPS/DA, PCS, Managed Medicaid)

We accept Medicaid coverage for home care through various state programs, helping eligible individuals access services without depleting personal resources. Covered options include:


  • Personal Care Services (PCS) — Provides assistance with activities of daily living (ADLs) such as bathing, dressing, toileting, grooming, meal preparation, and light housekeeping to support safe independent living.
  • Community Alternatives Program for Disabled Adults (CAP/DA) — A Medicaid Home- and Community-Based Services (HCBS) waiver program that offers a cost-effective alternative to nursing home care for disabled adults aged 18 and older (including seniors) who meet a nursing facility level of care but wish to remain safely at home. CAP/DA supplements existing supports with services like personal care aide assistance, case management, respite care, adult day health, home-delivered meals, and more, tailored to individual needs assessments.
  • Managed Medicaid / Managed Long Term Care plans — Coordinates home and community-based services through approved plans, often including personal care, home health aides, and other supports.


Eligibility typically requires a needs assessment, meeting income/asset guidelines, and often enrollment in a managed care plan (though CAP/DA may involve Medicaid Direct in some cases). These programs help avoid or delay nursing home placement. If you're enrolled in Medicaid, applying, or interested in CAP/DA specifically, contact your local Medicaid office, social services department, or managed care plan coordinator. We work closely with these programs to verify coverage, handle prior authorizations, and provide the authorized level of care.


Long Term Care Insurance

Many long-term care (LTC) insurance policies cover in-home care services, including non-medical personal care, homemaker services, and assistance with daily activities. Policies vary, but most provide reimbursement or direct payment for covered home care when a qualifying need (such as assistance with 2+ ADLs or cognitive impairment) is met. Benefits may include: 


  • Hourly or daily coverage for caregivers.
  • Flexible use for in-home support, helping you stay independent longer.
  • Potential for tax advantages or asset protection in some plans.


Review your policy details for elimination periods, benefit amounts, and covered services. We accept assignments from most major LTC carriers and can help with claims submission, documentation, and verification to make the process as smooth as possible.



Private Pay Options

For those without insurance coverage or who prefer flexibility, we offer private pay options. This allows you to pay directly for services using personal funds, savings, retirement accounts, or other resources. Private pay provides:


  • Immediate access to care without waiting for approvals or authorizations.
  • Customized schedules and services tailored exactly to your needs.
  • Transparent hourly or package rates (contact us for current pricing and any available discounts for extended care).


Many families start with private pay and transition to other funding sources as they become available. We're happy to discuss payment plans or options to make care affordable.



Next Steps

We're here to help you find the best payment path for your situation. Contact our team today for a free consultation—we'll review your needs, explain eligibility, and guide you through the process. Whether through VA benefits, Medicaid programs like CAP/DA and PCS, long-term care insurance, or private pay, our goal is to make high-quality home care accessible and stress-free. Click below to contact us so we can assist you through the process. 



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Care Providers of North Carolina

2527 Delaney Ave, Suite B

910.792.6296

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