Senior man sitting on the couch looking up the cost of home care near him on his laptop.

Paying for Care

Determining Home Care Costs

According to the Cost of Care Survey, an annual report by Genworth, in-home care costs less than other care options like adult daycare, assisted living and skilled nursing. The cost of non-medical home care varies depending on where you live and the amount of care needed. The best way to budget is to determine the number of hours of care your loved one needs each week.

Contact us for a no-obligation in-home assessment, where a A SYNERGY HomeCare professional will carefully listen to your needs and create a customized, person-centered care solution, including the hours of care needed for your loved one—providing peace of mind for the whole family.

Paying for Care

We’re committed to helping you access benefits you may be entitled to to help you pay for in-home care. Learn more about how we can assist with VA benefits for Veterans and/or surviving spouses, no-cost dementia care through the GUIDE model as well as utilization of your long term care insurance benefits or Medicare Advantage coverage.

Call us to find the home care solution that’s right for you.
928-817-7172

Your Frequently Asked Questions on Paying for Care

What factors determine the cost of home care services?

The cost of home care is typically based on the number of care hours needed and the level of assistance required. For example, someone who needs a caregiver for a few hours a week will pay less overall than someone needing daily or 24-hour care. Geography also plays a role – hourly rates can vary depending on the local cost of living and wage standards in your area. Additionally, specialized or complex needs may be priced differently due to the training involved. After conducting a no-obligation in-home assessment, a SYNERGY HomeCare professional will carefully listen to your needs and create a customized care solution, including the hours of care needed for your loved one, so you understand what your home care costs will be before services begin.

Does Medicare or health insurance cover in-home care?

Medicare will pay for short-term home health care (skilled nursing or therapy at home, usually after a hospital stay), but it generally does not cover non-medical home care services like in-home companion care or assistance with daily tasks like bathing and dressing. Regular private health insurance is similar – it’s geared toward medical treatment, not day-to-day caregiving. However, there are other options: many seniors use long-term care insurance policies to reimburse home care costs, and some some Medicare Advantage plans do provide cost coverage for non-medical home care services, commonly referred to as “in-home support.” Plan benefits may vary, and we are happy to help you navigate your financial options for care.

Can long-term care insurance be used to pay for home care?

Yes, if you have a long-term care insurance policy, it often covers in-home care services as well as assisted living or nursing home care. Each policy is different, but typically after a deductible or waiting period, the insurance will reimburse costs for a caregiver to assist with activities of daily living (ADLs) like dressing, bathing, and eating. We can help families understand and activate their long-term care benefits – for instance, by providing the necessary documentation of care hours and services. Using long-term care insurance can significantly offset home care expenses, allowing clients to receive the support they need at home while leveraging benefits they are entitled to receive.

Are there benefits for Veterans that help pay for home care?

Absolutely. Eligible U.S. military veterans (and in some cases their spouses) may access VA programs that fund home care. A common one is the Aid & Attendance pension benefit, which provides monthly payments for veterans who need assistance with daily living. Additionally, the VA Homemaker/Home Health Aide program can directly provide or pay for in-home caregivers through VA’s community care providers. If your loved one is a Veteran, SYNERGY HomeCare can guide you toward these resources. We’ll help you determine what VA benefits might apply and assist with the paperwork or coordination required. Many of our Veteran clients use these benefits to cover home care costs, ensuring they receive quality care without undue financial strain.

What does the GUIDE Model cover?

Through the GUIDE Model, elegible Medicare beneficiaries receive up to 76 hours of complimentary in-home dementia care every year, along with care coordination and family resources at no out-pocket cost.

Veterans, the VA May Pay for Your Home Care

If you are a veteran enrolled in VA health care, the VA may pay for non-medical home care in your own home when it cannot provide that care close to home or soon enough. SYNERGY HomeCare of Yuma is a contracted Community Care provider serving Yuma, Fortuna Foothills, Wellton, Somerton, and San Luis. Here is how it works, and how to start at no cost to you.

Who qualifies: You may qualify if you are enrolled in or eligible for VA health care and the VA cannot meet its access standards for you, generally a drive time longer than 30 minutes or a wait longer than 20 days for the care you need. Your VA care team makes the final decision.

What it covers: In-home, non-medical support such as help with bathing, dressing, meals, mobility, medication reminders, and companionship, when the care is authorized by the VA.

How to start (free): First, ask your VA care team or your VA social worker for a Community Care referral. Second, the VA reviews and confirms your eligibility. Third, once you are approved, you choose SYNERGY HomeCare of Yuma as your provider. There is no application fee, and there is generally no cost to you for care the VA approves.

How SYNERGY helps: We are not the VA and we do not approve benefits. We can explain the program in plain language, point you to the right VA contact, and once your referral is approved, provide your care and coordinate directly with the VA.

Frequently asked questions

Does the VA really pay for home care?

Yes. Through the Community Care program, the VA can pay approved community providers to deliver care in your home when it cannot provide that care itself within its access standards.

How do I get started?

Ask your VA care team or VA social worker for a Community Care referral. You can also call us at 928-817-7172 and we will point you to the right VA contact.

Is there any cost to me?

There is no application fee, and there is generally no cost for care the VA approves. Some veterans may have standard VA copays depending on their situation.

Can I choose SYNERGY as my provider?

Yes. Once your referral is approved, you choose your provider. You always have the right to choose.

Call 928-817-7172 to find out if you qualify, or visit YumaHomeCare.com.

Arizona Medicaid May Cover Your In-Home Care Through ALTCS

ALTCS is Arizona’s Medicaid long-term care program, run by AHCCCS. For those who qualify, it can cover ongoing in-home caregiving. SYNERGY HomeCare of Yuma is a registered ALTCS provider, and we can explain how the program works before you apply.

Who qualifies (2026): A single applicant generally qualifies with monthly income at or below $2,982 and countable assets at or below $2,000. One vehicle is exempt, and your home is generally exempt as long as your home equity stays under $752,000. Some families who are over the income limit still qualify by using an income-only trust, also called a Miller trust, set up with qualified help. These limits change each year, so confirm the current figures with AHCCCS.

What it covers: Ongoing non-medical in-home caregiving for those who meet the medical and financial requirements, so eligible Arizonans can stay safely in their own homes.

How to start (free): Apply through AHCCCS online at Health-e-Arizona Plus, or call ALTCS directly at 888-621-6880. There is no cost to apply.

How SYNERGY helps: We are a registered ALTCS provider, not a government agency. We can explain how the program works and what to expect, and once you are approved, we can provide your care. Families always choose their own provider.

Frequently asked questions:

What is ALTCS?

ALTCS, the Arizona Long Term Care System, is Arizona’s Medicaid program for long-term care, run by AHCCCS. For those who qualify, it can pay for ongoing in-home caregiving.

What are the 2026 limits?

A single applicant generally needs monthly income at or below $2,982 and countable assets at or below $2,000. Your home and one vehicle are generally exempt, with a home equity cap of $752,000. Limits change yearly, so confirm with AHCCCS.

What if my income is a little too high?

Some families who are over the income limit still qualify by using an income-only trust, also called a Miller trust, set up with qualified help.

How do I apply?

Apply through AHCCCS at Health-e-Arizona Plus, or call ALTCS at 888-621-6880. There is no cost to apply, and you can call us at 928-817-7172 with questions first.

Have questions before you apply? Call 928-817-7172, or visit YumaHomeCare.com.

A Pension Benefit That Helps Veterans and Surviving Spouses Pay for Care at Home

VA Aid and Attendance is a monthly addition to the VA pension for wartime veterans and surviving spouses who need help with the activities of daily living. It can help pay for care at home. The application is free, and free accredited help is available to file it.

Who qualifies: Wartime veterans and surviving spouses who meet the VA’s service, income, and net worth requirements and who need help with daily activities such as bathing, dressing, or eating. Your countable income and assets affect both eligibility and the amount.

What it is worth (December 1, 2025 through November 30, 2026): up to about $2,424 per month for a veteran with no dependents, up to about $2,874 per month for a veteran with a spouse, and up to about $1,558 per month for a surviving spouse. These are the maximum amounts. The actual benefit equals the maximum minus your countable income. The current net worth limit is $163,699. These figures change each year, so confirm the current amounts with the VA.

How to start (free): By law the application is free, and free accredited help is available, so you never need to pay anyone to file it. That help comes through the Arizona Department of Veterans’ Services and accredited veteran service organizations, including the VFW, DAV, the American Legion, and AMVETS.

How SYNERGY helps: We are not a VA agency and we cannot file your claim. We can explain the benefit in plain language, point you to free accredited help, and provide the in-home care this benefit is designed to pay for.

Frequently asked questions

What is Aid and Attendance?

It is a monthly addition to the VA pension for wartime veterans and surviving spouses who need help with daily activities. It can help pay for home care.

How much can it pay?

For the period December 1, 2025 through November 30, 2026, up to about $2,424 per month for a veteran with no dependents, up to about $2,874 for a veteran with a spouse, and up to about $1,558 for a surviving spouse. The actual amount is the maximum minus your countable income.

Who do I talk to, and does it cost anything?

The application is free. Get free accredited help through the Arizona Department of Veterans’ Services or a veteran service organization such as the VFW, DAV, the American Legion, or AMVETS. Never pay anyone to file it.

Can SYNERGY file my claim?

No. We are not a VA agency and we cannot file claims. We can explain the benefit, point you to free accredited help, and provide the care the benefit helps pay for.
Want to understand if this fits your family? Call 928-817-7172 and we will point you to free, accredited help.

You always have the right to choose your own home care provider. SYNERGY HomeCare of Yuma is an independent, non-medical home care provider and is not affiliated with or endorsed by AHCCCS, the State of Arizona, or the U.S. Department of Veterans Affairs. We do not charge to explain these programs and we do not file applications on your behalf. Program figures are current as of 2026 and change periodically, so please confirm current limits with the program directly.

Veteranos, el VA Podría Pagar su Cuidado en Casa

Si usted es un veterano inscrito en el sistema de salud del VA, el VA podría pagar el cuidado no médico en su propia casa cuando no puede brindar esa atención cerca de usted o a tiempo. SYNERGY HomeCare of Yuma es un proveedor contratado de Atención Comunitaria que sirve a Yuma, Fortuna Foothills, Wellton, Somerton y San Luis. Aquí le explicamos cómo funciona y cómo empezar sin costo para usted.

Quién califica: Usted podría calificar si está inscrito o es elegible para el sistema de salud del VA y el VA no puede cumplir con sus normas de acceso, por lo general un tiempo de manejo mayor a 30 minutos o una espera mayor a 20 días para la atención que necesita. Su equipo de salud del VA toma la decisión final.

Que cubre: Apoyo no médico en el hogar, como ayuda con el baño, vestirse, comidas, movilidad, recordatorios de medicamentos y compañía, cuando la atención está autorizada por el VA.

Cómo empezar (gratis): Primero, pida a su equipo de salud del VA o a su trabajador social del VA una referencia de Atención Comunitaria. Segundo, el VA revisa y confirma su elegibilidad. Tercero, una vez aprobado, usted elige a SYNERGY HomeCare of Yuma como su proveedor. No hay cuota de solicitud y, por lo general, no hay costo para usted por la atención que el VA aprueba.

Como ayuda SYNERGY: No somos el VA y no aprobamos beneficios. Le podemos explicar el programa en lenguaje sencillo, indicarle el contacto correcto del VA y, una vez aprobada su referencia, brindar su cuidado y coordinar directamente con el VA.

Preguntas frecuentes

De verdad el VA paga el cuidado en casa?

Si. A través del programa de Atención Comunitaria, el VA puede pagar a proveedores comunitarios aprobados para brindar atención en su hogar cuando no puede hacerlo dentro de sus normas de acceso.

Cómo empiezo?

Pida a su equipo de salud del VA o a su trabajador social una referencia de Atención Comunitaria. También puede llamarnos al 928-817-7172 y le indicaremos el contacto correcto del VA.

Tiene algún costo para mi?

No hay cuota de solicitud y, por lo general, no hay costo por la atención que el VA aprueba. Algunos veteranos podrían tener copagos estándar del VA según su situación.

Puedo elegir a SYNERGY como mi proveedor?

Si. Una vez aprobada su referencia, usted elige a su proveedor. Siempre tiene el derecho de elegir.

Llame al 928-817-7172 para saber si califica, o visite YumaHomeCare.com.

Medicaid de Arizona Podría Cubrir su Cuidado en Casa con ALTCS

ALTCS es el programa de cuidado a largo plazo de Medicaid de Arizona, administrado por AHCCCS. Para quienes califican, puede cubrir el cuidado continuo en el hogar. SYNERGY HomeCare of Yuma es un proveedor registrado de ALTCS y le podemos explicar como funciona el programa antes de que solicite.

Quien califica (2026): Por lo general, un solicitante soltero califica con ingresos mensuales de $2,982 o menos y bienes contables de $2,000 o menos. Un vehiculo esta exento, y su casa esta generalmente exenta siempre que el valor liquido de su casa se mantenga por debajo de $752,000. Algunas familias que superan el limite de ingresos aun califican usando un fideicomiso solo de ingresos, tambien llamado fideicomiso Miller, establecido con ayuda calificada. Estos limites cambian cada ano, asi que confirme las cifras actuales con AHCCCS.

Que cubre: Cuidado continuo no medico en el hogar para quienes cumplen los requisitos medicos y financieros, para que los residentes elegibles de Arizona puedan permanecer seguros en su propia casa.

Como empezar (gratis): Solicite con AHCCCS en linea en Health-e-Arizona Plus, o llame a ALTCS directamente al 888-621-6880. No hay costo por solicitar.

Como ayuda SYNERGY: Somos un proveedor registrado de ALTCS, no una agencia del gobierno. Le podemos explicar como funciona el programa y que esperar, y una vez aprobado, podemos brindar su cuidado. Las familias siempre eligen a su propio proveedor.

Preguntas frecuentes

Qué es ALTCS?

ALTCS, el Sistema de Cuidado a Largo Plazo de Arizona, es el programa de Medicaid de Arizona para cuidado a largo plazo, administrado por AHCCCS. Para quienes califican, puede pagar el cuidado continuo en el hogar.

Cuáles son los límites de 2026?

Por lo general, un solicitante soltero necesita ingresos mensuales de $2,982 o menos y bienes contables de $2,000 o menos. Su casa y un vehículo están generalmente exentos, con un límite de valor líquido de la casa de $752,000. Los límites cambian cada año, así que confirme con AHCCCS.

Qué pasa si mis ingresos son un poco altos?

Algunas familias que superan el límite de ingresos aún califican usando un fideicomiso solo de ingresos, también llamado fideicomiso Miller, establecido con ayuda calificada.

Cómo solicito?

Solicite con AHCCCS en Health-e-Arizona Plus, o llame a ALTCS al 888-621-6880. No hay costo por solicitar, y puede llamarnos al 928-817-7172 con preguntas primero.

Tiene preguntas antes de solicitar? Llame al 928-817-7172, o visite YumaHomeCare.com.

Un Beneficio de Pensión que Ayuda a Veteranos y Cónyuges Sobrevivientes a Pagar el Cuidado en Casa

La Ayuda y Atención del VA es una adición mensual a la pensión del VA para veteranos de tiempos de guerra y cónyuges sobrevivientes que necesitan ayuda con las actividades de la vida diaria. Puede ayudar a pagar el cuidado en casa. La solicitud es gratis, y hay ayuda acreditada gratuita para presentarla.

Quién califica: Veteranos de tiempos de guerra y cónyuges sobrevivientes que cumplen los requisitos del VA de servicio, ingresos y patrimonio neto y que necesitan ayuda con actividades diarias como bañarse, vestirse o comer. Sus ingresos y bienes contables afectan tanto la elegibilidad como el monto.

Cuánto vale (del 1 de diciembre de 2025 al 30 de noviembre de 2026): hasta aproximadamente $2,424 por mes para un veterano sin dependientes, hasta aproximadamente $2,874 por mes para un veterano con cónyuge, y hasta aproximadamente $1,558 por mes para un cónyuge sobreviviente. Estos son los montos máximos. El beneficio real es el máximo menos sus ingresos contables. El límite actual de patrimonio neto es $163,699. Estas cifras cambian cada año, así que confirme los montos actuales con el VA.

Cómo empezar (gratis): Por ley la solicitud es gratis, y hay ayuda acreditada gratuita, asi que nunca necesita pagarle a nadie para presentarla. Esa ayuda viene del Departamento de Servicios para Veteranos de Arizona y de organizaciones acreditadas de servicio a veteranos, incluyendo el VFW, DAV, la American Legion y AMVETS.

Como ayuda SYNERGY: No somos una agencia del VA y no podemos presentar su reclamo. Le podemos explicar el beneficio en lenguaje sencillo, indicarle ayuda acreditada gratuita y brindar el cuidado en casa que este beneficio está diseñado para pagar.

Preguntas frecuentes

Que es la Ayuda y Atencion?

Es una adición mensual a la pensión del VA para veteranos de tiempos de guerra y cónyuges sobrevivientes que necesitan ayuda con las actividades diarias. Puede ayudar a pagar el cuidado en casa.

Cuánto puede pagar?

Para el periodo del 1 de diciembre de 2025 al 30 de noviembre de 2026, hasta aproximadamente $2,424 por mes para un veterano sin dependientes, hasta aproximadamente $2,874 para un veterano con cónyuge, y hasta aproximadamente $1,558 para un cónyuge sobreviviente. El monto real es el máximo menos sus ingresos contables.

Con quién hablo, y cuesta algo?

La solicitud es gratis. Obtenga ayuda acreditada gratuita a través del Departamento de Servicios para Veteranos de Arizona o de una organización de servicio a veteranos como el VFW, DAV, la American Legion o AMVETS. Nunca le pague a nadie para presentarla.

Puede SYNERGY presentar mi reclamo?

No. No somos una agencia del VA y no podemos presentar reclamos. Le podemos explicar el beneficio, indicarle ayuda acreditada gratuita y brindar el cuidado que el beneficio ayuda a pagar.

Quiere saber si esto es adecuado para su familia? Llame al 928-817-7172 y le indicaremos ayuda acreditada gratuita.

Usted siempre tiene el derecho de elegir a su propio proveedor de cuidado en casa. SYNERGY HomeCare of Yuma es un proveedor de cuidado en casa independiente y no medico, y no esta afiliado ni respaldado por AHCCCS, el Estado de Arizona, ni el Departamento de Asuntos de Veteranos de los Estados Unidos. No cobramos por explicar estos programas y no presentamos solicitudes en su nombre. Las cifras de los programas son vigentes a partir de 2026 y cambian periódicamente, así que confirme los límites actuales directamente con el programa.