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Guide to Paying for Care

At VNS Health, we know that finances are a reality as you and your loved one consider care options. We accept many payment options and will work with you to help you understand them.

Paying for Care from VNS Health

When a loved one needs home care or hospice care, you’ve got a lot to consider. Your mind is focused on other priorities — and the last thing you want to worry about is money. 

At VNS Health, we know that finances are a reality as you and your loved one navigate home care. That’s why we make paying for care as easy as possible. We’ll work with your family to determine your specific coverage and help you access the care that your loved one needs. 

In most cases, Medicare, Medicaid, Veterans Administration benefits, and private insurance cover home care and hospice care. In other cases, paying out of pocket is an option. We accept a variety of payment options and even offer health plans to some eligible New Yorkers. 

Here are some of the ways you may be able to pay for VNS Health services.


Medicare is a federally funded health insurance program, mostly for patients 65 and older.

When home care is ordered by a doctor, Medicare may pay for services, including:

  • Part-time nursing care
  • Part-time home health aides
  • Rehabilitation therapy (including speech, physical, and occupational therapies)
  • Social services
  • Medical supplies

These services need to be part of the doctor’s orders. Medicare does not cover around-the-clock home care, meal delivery, or assistance with shopping or domestic chores.

Keep in mind — some services, equipment, and supplies may need prior approval before they can be covered.


Medicaid is a health insurance program funded by federal and state governments. It is available to United States citizens and permanent residents who meet certain requirements for income, resources, age, or disability.

In general, Medicaid covers most skilled nursing care — whether at home or in a facility — and personal care provided by a home health aide. It may also cover:

  • Medicine
  • Supplies
  • Equipment
  • Transportation to and from medical appointments

Like Medicare, Medicaid does not cover around-the-clock home care, meal delivery, or assistance with shopping or domestic chores. However, Medicaid does cover long-term care. Be aware that some services, equipment, and supplies may need prior approval before they can be covered.

Private Pay 

Private pay (paying out of pocket) may be an option if your loved one wants more services than insurance will cover — such as round-the-clock nursing care or services provided by a home health aide. Private-pay options are also available to caregivers who need additional assistance and support in caring for a family member who is receiving home care or hospice services and to those who just need help ensuring that their loved one can stay healthy and safe in their home.

There are many reasons seniors and their families choose to pay out-of-pocket for private care:

  • It gives you greater flexibility when: 
    • Medicare or private insurance doesn’t pay for all of the services you need or want.
    • Medicare or private insurance coverage has ended. 
    • Your medical needs do not qualify you for covered home care services.
  • You can avoid the restrictions and limits placed on programs provided by the government or private insurers.
  • Many people find that home care costs are typically much lower than fees at residential health care facilities, such as nursing homes and assisted living or memory care facilities. For instance, the average monthly cost for home care services in New York State is just under $5,000 — compared to over $12,000 for a nursing home facility.

If you are a VNS Health patient — or the caregiver of one — and you would like more services than Medicare or a private insurance company will cover, you can supplement the covered services by choosing to pay for private care while still maintaining care that is reimbursed by Medicare.

Our private-pay services include:

Private Health Insurance 

Private health insurance (such as from your employer or coverage you buy on your own) and long-term care insurance may cover some home care services (including skilled nursing care, rehabilitation therapy, or services provided by a home health aide). This may be an option for your loved one if they do not have Medicare or Medicaid or if they want more services than other programs cover.

Veterans Administration 

If your loved one is a veteran, they may qualify for Veterans Administration (VA) benefits. Made for veterans who need help with personal care and daily living, VA Homemaker and Home Health Aide Care is a program for veterans who are on their own or have caregivers but still need more support. 

Homemaker and Home Health Aide Care can be used in combination with other home care services. The program serves veterans of any age and helps them remain in their own homes for care. VNS Health has veterans liaisons who can help veterans and their families identify benefits.

Paying for Hospice Care 

Hospice care is covered by Medicare, Medicaid, the VA, and most private insurance companies. Insurance starts as soon as you are admitted into the hospice program.

Keep in mind — VA benefits vary. In general, benefits for combat or wartime vets are not based on income. Eligibility or peacetime vets may be income-based. Vets must have received an honorable, other than honorable, or medical discharge to qualify. They usually must have been on active duty for at least 24 months.

In New York State, insurers are required by law to cover hospice care. But private insurance companies may limit benefits and coverage. If you have private insurance, check with your plan.

Request more information from VNS Health.