Medicaid home services, also known as Home and Community Based Services (HCBS), offer a range of supports to help individuals live independently in their homes. These services can include personal care assistance with daily activities, skilled nursing care, therapy services, and medical supplies. The specific services covered vary by state and individual need, but generally aim to provide the necessary support for individuals to remain in their homes rather than in institutional settings.

Paying for home care without insurance often requires utilizing personal savings, retirement funds, or exploring options like reverse mortgages or selling assets. Families can also contribute, or the care recipient can pay a family member for services. Additional avenues include exploring government assistance programs like Medicaid (in some states) or leveraging veterans’ benefits.

As you get older you may notice that your parents, or a loved family member who has always been there for you, start to slow down. They might start behaving differently, eat less or lose that spark in their eyes that used to twinkle back at you when you were a child. You might start to worry about them but also doubt your concerns on whether they are actually struggling, and might need help.