Insurance & Payment
Your Payment Guide
Many families pay less for in-home care than they expect. We help you navigate every payment option — including VA benefits, LTC insurance, and Medicare — so you can focus on care, not paperwork.
Payment Options We Accept
We work with families to identify every benefit available to them and minimize out-of-pocket costs.
Private Pay
Most CommonPay directly by credit card, debit card, personal check, or ACH bank transfer. Flexible billing — weekly, bi-weekly, or monthly.
Long-Term Care Insurance
We File for YouIf your loved one has an LTC policy, it likely covers in-home care. We work directly with your insurer and handle the claims process.
VA Aid & Attendance
Veterans & SpousesVeterans and surviving spouses may qualify for the VA Aid & Attendance benefit — up to $2,300/month for a veteran couple — to help pay for in-home care.
Medicare
Skilled Care OnlyMedicare Part A/B covers skilled home health services (nursing, therapy) when ordered by a physician after a qualifying hospitalization. Does not cover custodial care.
Medicare Advantage
Most Plans AcceptedWe accept most Medicare Advantage (Medicare Part C) plans. Many Advantage plans include in-home care benefits beyond what traditional Medicare covers — contact us to verify your specific plan.
Nebraska State Medicaid Waiver Provider
State ProgramAs a Nebraska State Medicaid Waiver Provider, we serve eligible seniors through the Aged & Disabled Waiver (ADW) and other waiver programs — reducing or eliminating out-of-pocket costs for qualifying individuals.
VA Aid & Attendance
The VA Aid & Attendance benefit is one of the most valuable and least-known benefits available to veterans. If your family member served in the military and needs help with activities of daily living, they may qualify for a substantial monthly payment to offset in-home care costs.
Eligibility Requirements
2024 Monthly Benefit Rates
Long-Term Care Insurance
If your loved one purchased an LTC policy years ago, it almost certainly covers in-home care. Many policies pay $100–$300/day for qualified home care — potentially covering a significant portion of your care costs.
How We Help
Policy Review
We review your policy with you to understand daily benefit amounts, elimination periods, and covered services.
Pre-Authorization
We contact your insurer and obtain any required pre-authorizations before care starts.
Claim Submission
We submit claims on your behalf and track reimbursements so you don't have to.
Ongoing Support
We handle renewals, documentation requests, and any disputes with the insurer.
Nebraska Medicaid Waiver Programs
Nebraska's Aged and Disabled Waiver (ADW) and other Medicaid waiver programs may cover in-home care for low-income seniors who qualify. Eligibility is based on financial and clinical criteria. Wait lists apply for some programs.
Our care coordinator can help determine Medicaid eligibility and connect you with the right program. Contact us to learn more →
Free Insurance Verification
Let us check your coverage before care starts — no cost, no obligation. We'll tell you exactly what you're entitled to.