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How to Pay for In-Home Care

How to Pay for Home Care in Florida

Jump to a state to see its Medicaid programs, waivers, and other ways to help pay for in-home care.

This directory lists Florida-specific and federal payment sources that can pay for, reimburse, offset, or help plan for home care. Some are direct payment sources; others are indirect supports that reduce the amount of private home care a family must buy. Florida's strongest state-specific pathways include SMMC Long-Term Care, the Participant Direction Option, Community Care for the Elderly, Home Care for the Elderly, the Alzheimer's Disease Initiative, RELIEF, and PACE, and VA benefits are broken out because they can be one of the strongest payment pathways for eligible Florida veterans and surviving spouses.

Updated August 2026

Reviewed by Valerie VanBooven, RN, BSN

Private Pay

Personal income, savings and retirement funds

Direct payment

Helps pay for: Any lawful home-care expense: agency care, direct-hire caregiver, companion care, respite, transportation or household help.

Who qualifies: No program eligibility; budget and care needs determine use.

How to start: Compare written quotes from licensed/qualified providers.

Good to know: Most flexible option. CareScout reported a 2025 Florida median of $73,216/year for non-medical in-home caregiving based on 44 hours/week.

Family cost-sharing or pooled family contributions

Direct payment

Helps pay for: Paid caregiver hours, respite, transportation, meals, supplies or home modifications.

Who qualifies: Family agreement.

How to start: Create a written monthly contribution and spending plan.

Good to know: Useful when several adult children or relatives share responsibility.

Direct-hire household caregiver

Direct payment

Helps pay for: Personal care, companionship, meal preparation, errands and other agreed duties.

Who qualifies: No benefit eligibility, but employment rules may apply.

How to start: Use a written employment agreement and proper payroll/tax handling.

Good to know: A directly hired caregiver may be a household employee under IRS rules.

Medicaid / Florida

SMMC Long-Term Care (LTC) Program

Direct care funding

Helps pay for: Home and community-based long-term care for eligible people, including personal care, homemaker, companion, nursing, respite, meals, PERS and more.

Who qualifies: Generally age 65+ or age 18+ with qualifying disability; must meet nursing-facility level of care plus Medicaid financial eligibility.

How to start: Start with ADRC screening; CARES determines medical eligibility and DCF determines financial eligibility.

Good to know: Florida uses managed care plans. Space for HCBS can be limited and screening/wait-list prioritization applies.

1-800-963-5337Visit website →

SMMC LTC - Personal Care

Direct care funding

Helps pay for: Hands-on help with bathing, dressing, eating and personal hygiene in the home.

Who qualifies: Enrolled SMMC LTC member with service authorized in plan of care.

How to start: Ask LTC plan case manager after enrollment.

Good to know: One of the clearest Medicaid pathways for ongoing non-medical home care.

1-800-963-5337Visit website →

SMMC LTC - Homemaker

Direct care funding

Helps pay for: Meal preparation and routine household chores.

Who qualifies: Enrolled SMMC LTC member with authorized need.

How to start: Through LTC plan case manager.

Good to know: Can reduce privately paid caregiver hours when household support is part of the care plan.

1-800-963-5337Visit website →

SMMC LTC - Adult Companion Care

Direct care funding

Helps pay for: Meal help, laundry, light housekeeping and companionship-type support.

Who qualifies: Enrolled SMMC LTC member with authorized need.

How to start: Through LTC plan case manager.

Good to know: Useful for non-clinical supervision and household support.

1-800-963-5337Visit website →

SMMC LTC - Respite Care

Caregiver support / cost reduction

Helps pay for: Temporary substitute care in the home, assisted living facility or nursing facility so an unpaid caregiver can take a break.

Who qualifies: Enrolled SMMC LTC member with authorized respite need.

How to start: Through LTC plan case manager.

Good to know: Reduces the need to purchase private respite separately.

1-800-963-5337Visit website →

SMMC LTC - Attendant & Skilled Nursing

Direct care funding

Helps pay for: Nursing and medical assistance in the home for qualifying medical needs.

Who qualifies: Enrolled SMMC LTC member with medical necessity.

How to start: Through LTC plan case manager.

Good to know: Clinical care; not interchangeable with ordinary companion care.

1-800-963-5337Visit website →

SMMC LTC - Adult Day Health Care

Cost reduction

Helps pay for: Daytime supervision, activities and health-related services, often including meals.

Who qualifies: Enrolled SMMC LTC member with authorized need.

How to start: Through LTC plan case manager.

Good to know: Can lower the number of in-home caregiver hours a family must purchase.

1-800-963-5337Visit website →

SMMC LTC - Home-Delivered Meals

Cost reduction

Helps pay for: Prepared meals delivered to the home.

Who qualifies: Enrolled SMMC LTC member with authorized need.

How to start: Through LTC plan case manager.

Good to know: May replace some meal-preparation caregiver time.

1-800-963-5337Visit website →

SMMC LTC - Home Accessibility Adaptations

Cost reduction

Helps pay for: Safety/access changes such as grab bars or specialized toilet seats; coverage excludes ordinary home repairs.

Who qualifies: Enrolled SMMC LTC member with authorized need.

How to start: Through LTC plan case manager.

Good to know: Modifications may reduce dependence on hands-on assistance.

1-800-963-5337Visit website →

SMMC LTC - Personal Emergency Response System (PERS)

Cost reduction

Helps pay for: Electronic emergency-alert device.

Who qualifies: Enrolled SMMC LTC member with authorized need.

How to start: Through LTC plan case manager.

Good to know: Can support safer time alone between caregiver visits.

1-800-963-5337Visit website →

SMMC LTC - Transportation to LTC Services

Cost reduction

Helps pay for: Transportation to and from covered LTC services.

Who qualifies: Enrolled SMMC LTC member.

How to start: Through LTC plan/transportation provider.

Good to know: Reduces the need to pay a caregiver solely for transportation.

1-800-963-5337Visit website →

Participant Direction Option (PDO)

Paid family / self-directed care

Helps pay for: Allows eligible LTC enrollees to direct certain services and hire/manage workers for care in the home or family home.

Who qualifies: Florida SMMC LTC enrollee using eligible participant-directed services and able to meet program responsibilities.

How to start: Ask the LTC plan case manager about PDO.

Good to know: Potential route to paying a family member or chosen worker, subject to plan and program rules.

1-877-711-3662Visit website →

Florida State Program

Community Care for the Elderly (CCE)

Direct care / cost reduction

Helps pay for: May provide personal care, home health aide, homemaker, home nursing, respite, adult day care, meals, transportation, shopping help, emergency alert and more.

Who qualifies: Age 60+ and functionally impaired; priority may apply to APS referrals at immediate risk.

How to start: Contact local ADRC/AAA through the Elder Helpline.

Good to know: State-funded/community program; services and funding availability vary locally.

1-800-963-5337Visit website →

Home Care for the Elderly (HCE)

Caregiver subsidy / direct support

Helps pay for: Basic monthly subsidy plus possible special subsidies for supplies, medications, equipment, ramps, home health aide, home nursing and other supports.

Who qualifies: Age 60+; must meet program income/asset and risk criteria and live with an approved adult caregiver.

How to start: Contact ADRC/AAA through the Elder Helpline.

Good to know: Current DOEA page lists a $160/month basic subsidy, with special subsidies for some participants.

1-800-963-5337Visit website →

Alzheimer's Disease Initiative (ADI) Respite

Caregiver support / cost reduction

Helps pay for: In-home respite, adult day respite, emergency respite and extended respite up to 30 days; also caregiver training/support.

Who qualifies: Adult age 18+ with probable Alzheimer's disease or related memory disorder that interferes with ADLs; local eligibility/availability rules apply.

How to start: Access through one of Florida's 11 AAAs/ADRCs.

Good to know: Especially relevant for dementia families who need breaks from unpaid caregiving.

1-800-963-5337Visit website →

RELIEF - Respite for Elders Living in Everyday Families

Caregiver support / cost reduction

Helps pay for: In-home respite, including evening and weekend respite, delivered through a volunteer-based model.

Who qualifies: Frail homebound elders and families/caregivers; local program availability applies.

How to start: Contact ADRC/AAA through Elder Helpline.

Good to know: Designed to extend respite beyond basic public-program provisions.

1-800-963-5337Visit website →

Federal/Local Aging Network

Older Americans Act home & community services

Cost reduction

Helps pay for: May include personal care, homemaker, chore, medical transportation, home-delivered meals, shopping assistance and caregiver support.

Who qualifies: Generally targeted to older adults; local AAA prioritization and funding rules apply.

How to start: Contact local AAA/ADRC.

Good to know: Services are not an entitlement and vary by Planning and Service Area.

1-800-963-5337Visit website →

National Family Caregiver Support Program

Caregiver support / cost reduction

Helps pay for: Information, counseling, training, support groups, respite and limited supplemental services.

Who qualifies: Qualifying family/unpaid caregivers under Older Americans Act rules.

How to start: Contact local AAA/ADRC.

Good to know: May reduce privately purchased respite and caregiver-support costs.

1-800-963-5337Visit website →

Medicare

Original Medicare Home Health

Medical home-care coverage

Helps pay for: Part-time/intermittent skilled nursing, therapy, medical social services and limited home health aide care when skilled eligibility rules are met.

Who qualifies: Homebound Medicare beneficiary needing qualifying intermittent skilled care under a provider-ordered plan of care.

How to start: Use a Medicare-certified home health agency after physician/qualified provider orders care.

Good to know: Does not cover ongoing custodial/personal care when that is the only need.

1-800-633-4227Visit website →

Medicare Advantage supplemental in-home benefits

Possible cost reduction

Helps pay for: Some plans may offer extra in-home support, meals, transportation or caregiver-related benefits beyond Original Medicare.

Who qualifies: Depends entirely on plan, county, year and medical criteria.

How to start: Review current Evidence of Coverage and call the plan.

Good to know: Do not assume an advertised in-home benefit equals ongoing private-duty home care.

Medicare Caregiver Training

Caregiver support / cost reduction

Helps pay for: Training for a caregiver to safely support a Medicare beneficiary's treatment plan.

Who qualifies: Provider determines caregiver training is medically necessary under Medicare rules.

How to start: Ask treating clinician; billed under Medicare Part B when criteria are met.

Good to know: Does not pay caregiver wages, but can reduce paid professional training needs.

1-800-633-4227Visit website →

GUIDE Dementia Care Model

Caregiver support / respite

Helps pay for: Care navigation, caregiver education/support, 24/7 help line and qualifying respite for aligned dementia patients.

Who qualifies: Original Medicare Parts A and B; dementia confirmed by GUIDE clinician; other model requirements apply.

How to start: Find a CMS GUIDE participant serving the ZIP code.

Good to know: Eligible patients may receive respite subject to the model cap; not available through every provider or ZIP code.

1-800-633-4227Visit website →

Medicare Hospice Benefit

Medical/supportive home care

Helps pay for: Nursing, hospice aides/homemaker services, equipment, medications, social work, short-term respite and crisis-level continuous home care when criteria are met.

Who qualifies: Terminal illness and hospice election under Medicare rules.

How to start: Enroll with a Medicare-certified hospice after certification.

Good to know: Not a general 24/7 custodial home-care benefit.

1-800-633-4227Visit website →

Medicare / Medicaid

PACE - Program of All-Inclusive Care for the Elderly

Direct care / integrated coverage

Helps pay for: Comprehensive medical and long-term services, potentially including home care, personal care, adult day, nursing, therapy, transportation and more.

Who qualifies: Age 55+, live in a PACE service area, meet nursing-home level of care and be able to live safely in the community with PACE support.

How to start: Contact a Florida PACE organization or Medicaid/Medicare.

Good to know: Available only in approved service areas; integrated model replaces ordinary Medicare/Medicaid delivery for participants.

1-800-633-4227Visit website →

Veterans

VA Homemaker and Home Health Aide Care

Direct care funding

Helps pay for: Authorized help with bathing, dressing, grooming, eating, toileting, mobility and other daily activities.

Who qualifies: Eligible/enrolled Veteran with clinical need; local availability and authorization apply.

How to start: Ask VA primary care team, geriatric team or social worker.

Good to know: Can be delivered through approved community providers; hours depend on VA assessment.

1-800-698-2411Visit website →

Veteran-Directed Care

Self-directed / paid caregiver

Helps pay for: Veteran controls an approved budget for personal-care services and may recruit/hire workers under local program rules.

Who qualifies: Eligible Veteran needing help with ADLs or support to remain in the community; local program availability applies.

How to start: Ask VA social worker if Veteran-Directed Care is available locally.

Good to know: Potential route to hiring a family member, friend or chosen worker.

1-800-698-2411Visit website →

VA Skilled Home Health Care

Medical home-care coverage

Helps pay for: Skilled nursing, case management, physical/occupational/speech therapy, wound care and other authorized clinical services.

Who qualifies: Eligible Veteran with skilled home-health need.

How to start: VA clinical team referral/authorization.

Good to know: Can complement non-medical VA or privately paid caregiving.

1-800-698-2411Visit website →

VA Respite Care

Caregiver support / cost reduction

Helps pay for: Temporary care in the home, adult day setting or nursing facility to relieve an unpaid caregiver.

Who qualifies: Eligible Veteran with qualifying need; service availability and copays may apply.

How to start: Ask VA social worker/care team.

Good to know: VA notes nursing-home respite is generally available up to 30 days/calendar year.

1-800-698-2411Visit website →

VA Aid and Attendance

Income supplement

Helps pay for: Additional monthly VA pension amount that can be used toward home-care expenses.

Who qualifies: Must qualify for VA pension and meet Aid and Attendance criteria such as needing help with ADLs or other qualifying conditions.

How to start: Apply through VA; consider free accredited benefits assistance.

Good to know: It is an increased pension payment, not a direct home-care service.

1-800-827-1000Visit website →

Program of Comprehensive Assistance for Family Caregivers (PCAFC)

Paid family caregiver / support

Helps pay for: May provide primary family caregiver stipend plus training, counseling, respite and other supports.

Who qualifies: Veteran/caregiver must meet current PCAFC eligibility and assessment requirements.

How to start: Apply jointly through VA Caregiver Support Program.

Good to know: Separate from Aid & Attendance and Veteran-Directed Care.

1-855-260-3274Visit website →

VA Community Care Network (CCN) - Florida Region 3

Authorized community care

Helps pay for: VA can purchase authorized home health, hospice and other covered community care when eligibility and referral requirements are met.

Who qualifies: Veteran must generally be eligible for VA health care and have VA authorization/referral for routine community care.

How to start: Start with VA care team; Florida is in CCN Region 3, administered by Optum.

Good to know: CCN is not a cash benefit. Families should not hire a provider first and expect reimbursement later.

1-800-698-2411Visit website →

Veterans / Florida

Florida Department of Veterans' Affairs free benefits counseling

Benefit access / cost reduction

Helps pay for: Free assistance identifying and applying for state/federal veterans benefits that may help finance care.

Who qualifies: Florida veterans, families and survivors seeking benefits help.

How to start: Call an FDVA State Veterans' Service Officer or County Veteran Service Office.

Good to know: Useful before paying a private company for VA claims help.

727-319-7440Visit website →

Insurance

Traditional Long-Term Care Insurance

Direct care funding

Helps pay for: Depending on policy: home care, personal care, respite, adult day, assisted living or nursing care.

Who qualifies: Must own a policy and satisfy its benefit trigger/elimination period/provider rules.

How to start: Contact insurer and request current benefits/claim packet.

Good to know: Review daily/monthly limit, inflation protection, elimination period and whether informal caregivers qualify.

Florida Long-Term Care Partnership Policy

Direct funding + asset protection

Helps pay for: Policy pays qualifying LTC benefits; Partnership status may allow dollar-for-dollar Medicaid asset disregard later.

Who qualifies: Must own a qualified Florida/reciprocal Partnership policy and later meet Medicaid eligibility rules.

How to start: Confirm Partnership status with insurer/Florida CFO; Medicaid eligibility is determined separately.

Good to know: Does not guarantee Medicaid eligibility.

1-877-693-5236Visit website →

Hybrid life insurance / long-term care rider

Direct care funding

Helps pay for: May accelerate life-insurance benefits or provide a LTC/chronic-illness benefit for qualifying care.

Who qualifies: Depends on policy terms and benefit trigger.

How to start: Request an in-force illustration and rider terms from insurer.

Good to know: Using benefits can reduce the death benefit.

Insurance / Finance

Life insurance cash value, policy loan or settlement

Direct payment

Helps pay for: Cash generated from policy value can be used for home care.

Who qualifies: Depends on policy type, cash value and settlement eligibility.

How to start: Review with insurer and independent tax/financial/legal adviser.

Good to know: Can reduce death benefit, create interest/tax consequences or affect Medicaid.

Finance

Reverse mortgage / HECM proceeds

Direct payment

Helps pay for: Home-equity proceeds may be used for caregiver bills and other expenses.

Who qualifies: Typically homeowner age 62+ meeting HECM/property/occupancy requirements.

How to start: Compare lenders and complete required HUD-approved counseling.

Good to know: Loan balance grows; taxes, insurance, maintenance and occupancy duties continue.

Home equity loan or HELOC

Direct payment

Helps pay for: Borrowed home equity can fund care.

Who qualifies: Homeowner must qualify with lender.

How to start: Compare interest rates, repayment, closing costs and lien risk.

Good to know: Monthly repayment can strain cash flow; default risks the home.

Sell or downsize the home

Direct payment

Helps pay for: Sale proceeds can create a care reserve.

Who qualifies: Homeowner chooses to sell/move.

How to start: Coordinate housing and care transition before sale.

Good to know: Consider capital gains, replacement housing and Medicaid implications.

Annuity income

Direct payment

Helps pay for: Regular annuity payments can be used toward caregiver costs.

Who qualifies: Depends on annuity ownership/contract.

How to start: Review payout, liquidity, surrender and Medicaid treatment.

Good to know: Fixed payments may lose purchasing power to care-cost inflation.

Tax / Savings

Health Savings Account (HSA)

Tax-advantaged payment

Helps pay for: Tax-free withdrawals may cover qualified medical expenses and qualified long-term care services in applicable circumstances.

Who qualifies: HSA owner with qualified unreimbursed expenses.

How to start: Maintain receipts and confirm expense eligibility.

Good to know: Ordinary companionship/housekeeping is not automatically a qualified medical expense.

Federal medical-expense deduction

Cost reduction

Helps pay for: Qualified unreimbursed long-term care/nursing-type expenses may be deductible if tax rules are met.

Who qualifies: Taxpayer itemizes; expenses must qualify under IRS rules and exceed the applicable AGI threshold in aggregate.

How to start: Keep care plan, certification, invoices and task breakdown.

Good to know: Do not assume all home-care charges qualify; mixed household/medical work may need allocation.

Child and Dependent Care Credit

Cost reduction

Helps pay for: Potential credit for qualifying care expenses that allow taxpayer/spouse to work or look for work.

Who qualifies: Care recipient and taxpayer must meet IRS dependent/incapable-of-self-care and work-related rules.

How to start: Review Form 2441 / IRS Publication 503.

Good to know: Cannot double-count the same expense for multiple tax benefits.

Cost Offset / Florida

Florida Medicare Savings / Buy-In assistance

Household cost reduction

Helps pay for: May help eligible Medicare beneficiaries with Part B premium and certain Medicare cost sharing, freeing income for care.

Who qualifies: Income/resource and Medicaid eligibility rules apply.

How to start: Use Florida benefits screening/Medicaid process; SHINE can explain programs.

Good to know: Not a home-care benefit, but can improve monthly cash flow.

1-800-963-5337Visit website →

SHINE Medicare counseling

Benefit optimization

Helps pay for: Free, unbiased help identifying Medicare, Medicaid, Medicare Savings, Extra Help and insurance options.

Who qualifies: Medicare beneficiaries, families and caregivers.

How to start: Call Elder Helpline and ask for SHINE.

Good to know: Counseling itself does not pay for care but can reduce avoidable insurance costs.

1-800-963-5337Visit website →

Emergency Home Energy Assistance for the Elderly (EHEAP)

Household cost reduction

Helps pay for: Limited help with a home-energy emergency for eligible households with a person age 60+.

Who qualifies: Low-income household and program requirements.

How to start: Contact local AAA/ADRC.

Good to know: Can free limited household income for caregiving expenses.

1-800-963-5337Visit website →

Home-delivered/congregate nutrition programs

Household cost reduction

Helps pay for: Meals and nutrition support for older adults.

Who qualifies: Generally age 60+ and spouses for many OAA nutrition services; local priority rules apply.

How to start: Contact local AAA/ADRC.

Good to know: Reduces food and meal-preparation burden; not direct caregiver payment.

1-800-963-5337Visit website →

Senior transportation and mobility programs

Household cost reduction

Helps pay for: Local transportation options and Medicaid LTC transportation where eligible.

Who qualifies: Varies by program.

How to start: Contact local AAA/ADRC; enrolled SMMC LTC members ask plan.

Good to know: May reduce paid caregiver driving time.

1-800-963-5337Visit website →

Florida Senior Legal Helpline

Planning / protection

Helps pay for: Free civil legal advice on Medicaid, Medicare, Social Security, housing, probate, advance directives and related issues for eligible older Floridians.

Who qualifies: Florida resident age 60+ meeting helpline eligibility/income guidelines.

How to start: Call helpline for screening and appointment.

Good to know: Helpful before asset transfers, caregiver contracts or Medicaid planning.

1-888-895-7873Visit website →

Other

Workers' compensation / auto or liability settlement

Direct payment

Helps pay for: Benefits or settlement proceeds may cover home care when care needs result from a work injury, crash or other compensable event.

Who qualifies: Depends on claim, policy and legal entitlement.

How to start: Coordinate with insurer/attorney and care provider.

Good to know: Coverage is case-specific; settlement structuring can affect public benefits.

Charitable, faith-based or disease-specific grants

Cost reduction / supplemental

Helps pay for: Short-term respite, equipment, transportation or caregiver assistance may be available from local or disease-specific organizations.

Who qualifies: Program-specific.

How to start: Ask ADRC, hospital social worker, disease organization and local foundations.

Good to know: Usually supplemental, limited and not guaranteed.

1-800-963-5337Visit website →

Where Florida Families Can Start

Not sure where to begin? Match your situation to a contact below.

Aging services, SMMC LTC screening, local AAA, HCE, CCE, ADI, respite, SHINE

Florida Elder Helpline / ADRC routing

1-800-963-5337Visit website →

Choose/change Medicaid SMMC plans; plan information

Florida Medicaid Choice Counseling

1-877-711-3662Visit website →

Medicaid financial eligibility for aged/disabled applicants

Florida DCF ACCESS

1-866-762-2237Visit website →

Medicare home health, PACE, GUIDE and coverage questions

Medicare

1-800-633-4227Visit website →

Free Medicare/insurance counseling; routed through Elder Helpline

SHINE

1-800-963-5337Visit website →

Free civil legal advice for eligible residents age 60+

Florida Senior Legal Helpline

1-888-895-7873Visit website →

VA health care and benefits routing

VA General Information

1-800-698-2411Visit website →

Pension, Aid & Attendance and compensation claims

VA Benefits

1-800-827-1000Visit website →

PCAFC and caregiver support

VA Caregiver Support Line

1-855-260-3274Visit website →

Free Florida veterans benefits counseling

Florida Department of Veterans' Affairs

727-319-7440Visit website →

Insurance questions including long-term care insurance

Florida Department of Financial Services Consumer Helpline

1-877-693-5236Visit website →

Before You Rely on Any Payment Source

  • Start with the care need, not the payer

    List the exact tasks, hours, ADLs/IADLs, supervision needs and clinical needs before comparing programs.

  • Florida Medicaid LTC starts at the ADRC

    For home/community SMMC LTC, call the Elder Helpline/ADRC first for screening. CARES later determines medical eligibility; DCF determines financial eligibility.

  • Expect screening and possible wait-list prioritization

    Florida SMMC LTC home/community services are not an automatic entitlement for every financially eligible applicant.

  • Ask specifically about PDO

    If a family member is providing care, ask the LTC plan about the Participant Direction Option and which services/workers can be self-directed.

  • HCE is unusually valuable for family-based care

    Florida Home Care for the Elderly provides a current $160/month basic subsidy plus possible special subsidies for approved items/services.

  • Use CCE/ADI/RELIEF even if Medicaid is unavailable

    These state/community programs may provide personal care, respite, meals, transportation or other supports outside Medicaid, subject to local funding.

  • Medicare is mainly skilled/medical

    Do not budget on Original Medicare for indefinite bathing, dressing, meal prep or companionship when those are the only needs.

  • GUIDE is dementia-specific, not general home care

    GUIDE can provide caregiver support and limited respite to qualifying Original Medicare patients aligned to a participating organization.

  • VA Community Care requires authorization

    Florida is VA CCN Region 3 (Optum). Routine community care generally needs VA referral/authorization before services are delivered.

  • Long-term care insurance should be claimed early

    If a policy exists, request the full contract and start benefit-trigger/elimination-period documentation as soon as care need develops.

  • Get legal advice before Medicaid asset transfers

    Gifts, caregiver payments, home transfers and trusts can affect Medicaid eligibility and estate recovery.

  • Layer benefits

    A workable plan may combine Medicaid or VA hours, Medicare skilled visits, AAA meals/transportation, respite programs and private pay for gaps.

Program rules, income limits, and availability change over time and can vary by county. Confirm current details with the program directly, or ask a home care provider in Florida to help you navigate the application process.

← Back to How to Pay for In-Home Care

Home Care Providers in Florida

These providers serve families in Florida and can help you apply what you've learned above to your specific situation.

Assisting Hands South Jacksonville logo

Assisting Hands South Jacksonville

Serving Florida

Assisting Hands South Jacksonville provides home care services in Orange Park, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Green Cove Springs, Fleming Island, Jacksonville and surrounding areas

View Provider Profile →

Caring Solutions Miami (A Better Solution In Home Care) logo

Caring Solutions Miami (A Better Solution In Home Care)

Serving Florida

Caring Solutions Miami (A Better Solution In Home Care) provides home care services in the Miami area.

Communities Served

Miami

View Provider Profile →

Castle Comfort Homecare logo

Castle Comfort Homecare

Serving Florida

Castle Comfort Homecare provides home care services in Fort Myers, FL and the surrounding Southwest Florida communities it serves.

Services Available

Personal Care • 24-Hour Home Care • Companion Care • Dementia & Alzheimer's Care

Communities Served

Fort Myers, Bonita Springs, Lehigh Acres and surrounding areas

View Provider Profile →

Companion Services of America – South Miami, FL logo

Companion Services of America – South Miami, FL

Serving Florida

Companion Services of America provides home care services in South Miami, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Miami, South Miami

View Provider Profile →

Elite Senior Home Care – Coral Springs, FL logo

Elite Senior Home Care – Coral Springs, FL

Serving Florida

Elite Senior Home Care provides home care services in Coral Springs, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Broward County, Coral Springs, Pompano Beach and surrounding areas

View Provider Profile →

Elite Senior Home Care – Fort Myers, FL logo

Elite Senior Home Care – Fort Myers, FL

Serving Florida

Elite Senior Home Care provides home care services in Fort Myers, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Lee County, Fort Myers, Cape Coral and surrounding areas

View Provider Profile →

Elite Senior Home Care – Lantana, FL logo

Elite Senior Home Care – Lantana, FL

Serving Florida

Elite Senior Home Care provides home care services in Lantana, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Palm Beach County, Palm Beach, Wellington and surrounding areas

View Provider Profile →

Family First Healthcare Services – Tampa, FL logo

Family First Healthcare Services – Tampa, FL

Serving Florida

Family First Healthcare Services provides home care services in Tampa, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Hillsborough County, Manatee County, Pinellas County and surrounding areas

View Provider Profile →

Naples Bay Home Care logo

Naples Bay Home Care

Serving Florida

Naples Bay Home Care provides home care services in Naples, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Naples

View Provider Profile →

Neighborlove Home Care logo

Neighborlove Home Care

Serving Florida

Neighborlove Home Care provides home care services in Daytona Beach, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Daytona Beach, Daytona Beach Shores, DeBary and surrounding areas

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Providence Health Care Services logo

Providence Health Care Services

Serving Florida

Providence Health Care Services provides home care services in Miami, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Miami

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Providence HomeCare logo

Providence HomeCare

Serving Florida

Providence HomeCare provides home care services in Miami, FL and the surrounding communities it serves.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care

Communities Served

Miami-Dade County, Monroe County, Miami and surrounding areas

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Star Multi Care Services of Florida logo

Star Multi Care Services of Florida

Serving Florida

Star Multi Care Services of Florida provides home health and home care services from its Plantation, FL office, serving South Florida communities from Boca Raton to Fort Lauderdale.

Services Available

24-Hour Home Care • Companion Care • Personal Care • Skilled Nursing Care at Home • In-Home Rehabilitation • Dementia & Alzheimer's Care • Hospice Supportive Care • Hospital-to-Home Care • Client Advocacy Services • Healthcare Staffing • Snowbird Services

Communities Served

Plantation, Boca Raton, Boynton Beach and surrounding areas

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