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Funding Sources

Home Care Services can be paid directly by clients and their families or through a variety of public and private sources. Learn more about payment options below. 

Managed Long-Term Care 

Managed Long–Term Care (MLTC) is a system that streamlines the delivery of long–term care services to people who are chronically ill or disabled and who wish to stay in their homes and communities. These services include home health care and are provided through MLTC Plans that are approved by the New York State Department of Health. The entire array of services to which an enrolled member is entitled can be received through the MLTC Plan the member has chosen.


To learn more about MLTC options, choosing a plan, covered services and enrollee rights:  Managed Long Term Care Guide (PDF)


To see a list of available MLTC plans:  Managed Long–Term Care Plan Directory

To learn how the different MLTC plans rate:  The Regional MLTC Consumer Guide


Traumatic Brain Injury (TBI) and Nursing Home Transition and Diversion (NHTD) Medicaid Waivers

While traditional Medicaid does not cover long-term care at home, individuals who meet the qualifications of these waivers will receive the benefit of personal care services. These services include assistance with activities of daily living, such as toileting, bathing, dressing and eating.  The number of approved hours depends on the level of care required and availability of informal supports.  For more information:


TBI Waiver Eligibility Qualifications:

NHTD Waiver Eligibility Qualifications:

Veteran's Benefits

Veterans who served more than 90 days of active duty, with at least one day during a wartime period, with an honorable discharge, may be eligible for the Veteran's Pension. Veterans, or the spouse of a veteran, who need long-term help with the activities of daily living may be entitled to monthly disability payments from the VA known as “aid and attendance." The aid and attendance benefit requires documentation from a doctor and is calculated based on the level of disability.  For more information, visit

Long-Term Care Insurance

Long-Term Care Insurance policies may cover some or all of the cost of in-home health care.  These policies reimburse policyholders a daily amount (up to a pre-selected limit) for services that assist with activities of daily living such as toileting, bathing, dressing, or eating. Review your long-term care policy to determine if it covers in-home health care and what the qualifications and payment terms are.

Workers' Compensation

Workers’ compensation is a form of accident insurance that provides lost wages and medical benefits for employees injured on the job.  Check with your employer to see if your injury qualifies for home health care benefits.

Private Pay

When insurance doesn’t cover home health care, it may be necessary to pay for the services from your own assets, investments or savings. Accessing equity in your home is also a common funding option. In addition, family members may choose to contribute towards the cost of their loved one’s care.

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