How to Pay for In-Home Care
How to Pay for Home Care in Indiana
Jump to a state to see its Medicaid programs, waivers, and other ways to help pay for in-home care.
This directory lists Indiana-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. Indiana's strongest state-specific pathways include the PathWays for Aging Waiver with INCharge self-direction, the Health and Wellness Waiver for younger adults with disabilities, CHOICE state-funded aging services, Family Supports and CIH waivers for intellectual/developmental disabilities, PACE in participating service areas, and various cost-offset programs, and VA benefits are broken out because they can be one of the strongest payment pathways for eligible Indiana veterans and surviving spouses.
Updated August 2026
Reviewed by Valerie VanBooven, RN, BSN
Indiana Medicaid / PathWays
Indiana PathWays for Aging HCBS Waiver
YesHelps pay for: Long-term services and supports for eligible Medicaid members age 60+ who meet nursing-facility level of care, allowing care in the home/community instead of an institution.
Who qualifies: Age 60+, full-coverage aged/blind/disabled Medicaid category, HCBS financial eligibility, nursing-facility level of care and approved service plan.
How to start: Call the PathWays helpline or the member’s health plan for assessment and service coordination.
Good to know: Family caregiver payment: Service-specific; SFC and self-direction can pay some relatives
PathWays Attendant Care
YesHelps pay for: Hands-on personal assistance with ADLs and health-related tasks when authorized in the HCBS service plan.
Who qualifies: PathWays waiver enrollment, assessed need, authorization and qualified worker/provider.
How to start: Ask the service coordinator to assess Attendant Care hours and provider options.
Good to know: Family caregiver payment: Yes for eligible non-LRI workers; LRIs cannot provide Attendant Care
PathWays Home & Community Assistance
Yes - supportive careHelps pay for: Assistance with household and community tasks that support safe independent living, formerly commonly described as homemaker-type support.
Who qualifies: PathWays waiver enrollment, assessed need and service authorization.
How to start: Request Home & Community Assistance in the service-plan assessment.
Good to know: Family caregiver payment: Potentially through INCharge if eligible
PathWays Respite Care
Yes - respiteHelps pay for: Temporary relief services for unpaid caregivers, delivered according to the member’s service plan.
Who qualifies: PathWays HCBS enrollment, assessed need and authorized respite.
How to start: Ask the service coordinator to add or adjust respite.
Good to know: Family caregiver payment: Can be self-directed; worker rules apply
PathWays Adult Day Service
Offsets home-care needHelps pay for: Daytime supervision, personal support and structured activities that can reduce the number of paid home-care hours needed during the day.
Who qualifies: PathWays HCBS eligibility, assessed need and authorized provider.
How to start: Ask the service coordinator about adult day service.
Good to know: Family caregiver payment: No
PathWays Adult Family Care
Care alternativeHelps pay for: Home-like residential/support arrangement for eligible members who need assistance and supervision.
Who qualifies: PathWays HCBS eligibility, level-of-care criteria, service-plan authorization and qualified setting/provider.
How to start: Ask the service coordinator whether Adult Family Care fits the care plan.
Good to know: Family caregiver payment: Potentially provider payment; not a standard family wage
PathWays Assisted Living
Care alternativeHelps pay for: HCBS support in an eligible assisted-living setting for members whose service plan authorizes it.
Who qualifies: PathWays HCBS eligibility, approved setting, assessed need and authorization; room and board rules differ from waiver service payment.
How to start: Discuss assisted-living HCBS coverage with the service coordinator before choosing a facility.
Good to know: Family caregiver payment: No direct family wage
PathWays Home Modification + Assessment
Offsets care costHelps pay for: Authorized accessibility or safety changes and the assessment needed to support them can reduce dependence on hands-on care.
Who qualifies: PathWays waiver enrollment; modification must be tied to assessed functional need and approved before work/purchase.
How to start: Request a home-modification assessment through the service coordinator.
Good to know: Family caregiver payment: No
PathWays Home-Delivered Meals
Offsets care costHelps pay for: Authorized meals can reduce caregiver meal-preparation time and support safe community living.
Who qualifies: PathWays HCBS enrollment, assessed nutritional/functional need and service authorization.
How to start: Ask the service coordinator about home-delivered meals.
Good to know: Family caregiver payment: No
PathWays Personal Emergency Response System (PERS)
Offsets care costHelps pay for: Emergency response technology can support safer time at home with less continuous supervision.
Who qualifies: PathWays HCBS enrollment and service-plan authorization.
How to start: Request PERS through the service coordinator.
Good to know: Family caregiver payment: No
PathWays Specialized Medical Equipment & Supplies
Offsets care costHelps pay for: Authorized equipment or supplies needed for safe community living can reduce out-of-pocket care-related spending.
Who qualifies: PathWays HCBS enrollment; item must meet waiver criteria and be authorized.
How to start: Ask the service coordinator whether the needed equipment is covered under the waiver or state plan.
Good to know: Family caregiver payment: No
PathWays Transportation
Offsets care costHelps pay for: Transportation related to HCBS needs can reduce family driving burden; PathWays also covers non-emergency medical transportation for covered services.
Who qualifies: PathWays enrollment; trip/service rules and advance scheduling requirements apply.
How to start: Use the health plan transportation broker or service coordinator.
Good to know: Family caregiver payment: No
PathWays Vehicle Modifications
Offsets care costHelps pay for: Approved adaptations to a vehicle can improve access and reduce reliance on paid transportation or caregiver lifting/transfer support.
Who qualifies: PathWays HCBS enrollment, assessed need and prior authorization.
How to start: Ask the service coordinator for a vehicle-modification assessment and approval path.
Good to know: Family caregiver payment: No
PathWays Community Transition
Offsets transition/care costHelps pay for: One-time transition supports can help an eligible member move from an institutional setting back into a qualified community residence.
Who qualifies: PathWays HCBS eligibility plus qualifying institutional-to-community transition and approved plan.
How to start: Ask the facility social worker and PathWays service coordinator about transition supports before discharge.
Good to know: Family caregiver payment: No
PathWays Caregiving Coaching
Support / cost offsetHelps pay for: Coaching for informal caregivers can improve skills and reduce avoidable paid-care or facility use.
Who qualifies: PathWays waiver enrollment and service-plan authorization when clinically/functionally appropriate.
How to start: Ask the service coordinator whether Caregiving Coaching is available in the member’s plan.
Good to know: Family caregiver payment: No direct wage
Indiana Medicaid / Self-Direction
INCharge Self-Directed Attendant Care - PathWays
YesHelps pay for: Lets eligible PathWays members directly hire, schedule and manage attendants using a self-directed budget with financial-management support.
Who qualifies: Must be enrolled in PathWays, have Attendant Care authorized, choose self-direction and complete FMS/worker requirements. Spouse/legal guardian and parents of minor children cannot be self-directed workers.
How to start: Tell the service coordinator you want INCharge self-direction and complete FMS enrollment.
Good to know: Family caregiver payment: Yes - friends/family may be hired, with exclusions
INCharge Self-Directed Home & Community Assistance - PathWays
Yes - supportive careHelps pay for: Allows eligible PathWays members to hire and manage workers for authorized Home & Community Assistance instead of using an agency model.
Who qualifies: Authorized HCA service plus INCharge enrollment, budget and worker requirements.
How to start: Ask the service coordinator to self-direct HCA through INCharge.
Good to know: Family caregiver payment: Yes - subject to self-direction worker exclusions
Indiana Medicaid / Paid Family Care
PathWays Structured Family Caregiving (SFC)
YesHelps pay for: Daily paid family-style caregiving arrangement for eligible members who need substantial support in a home setting.
Who qualifies: PathWays HCBS authorization and SFC provider requirements. Family members can be paid providers; exact relationship and LRI rules should be confirmed before enrollment.
How to start: Ask the service coordinator specifically about Structured Family Caregiving.
Good to know: Family caregiver payment: Yes
Indiana Medicaid / Integrated Dual Care
PathWays Dual Care (FIDE SNP)
Coordinates covered careHelps pay for: Beginning January 1, 2026, eligible full-benefit dual-eligible members can integrate Medicare and Medicaid through a FIDE SNP, including coordination of HCBS and long-term care benefits.
Who qualifies: Medicare Parts A and B plus full Medicaid benefits; program exclusions apply, including certain waiver groups and PACE.
How to start: Compare Anthem, Humana and UnitedHealthcare PathWays Dual Care options before enrolling.
Good to know: Family caregiver payment: No
Indiana Medicaid / H&W
Health & Wellness Waiver
YesHelps pay for: HCBS alternative to nursing-facility admission for qualifying individuals age 59 and under with disabilities.
Who qualifies: Age 59 or younger, disability/Medicaid eligibility, nursing-facility level of care and approved service plan.
How to start: Contact the local Area Agency on Aging for H&W waiver application/assessment.
Good to know: Family caregiver payment: Service-specific; SFC and INCharge may pay qualifying relatives
H&W Attendant Care + INCharge Self-Direction
YesHelps pay for: Authorized personal assistance can be agency-delivered or self-directed through INCharge.
Who qualifies: H&W waiver, assessed need, authorization; self-direction adds FMS and worker requirements.
How to start: Ask the care manager about Attendant Care and INCharge.
Good to know: Family caregiver payment: Yes for eligible self-directed/family workers; LRIs cannot provide Attendant Care
H&W Structured Family Caregiving
YesHelps pay for: Paid family-style caregiving arrangement for eligible H&W members needing ongoing in-home support.
Who qualifies: H&W waiver authorization and SFC provider requirements; confirm exact relationship/LRI rules.
How to start: Ask the care manager specifically about SFC.
Good to know: Family caregiver payment: Yes
H&W Home & Community Assistance + INCharge
Yes - supportive careHelps pay for: Homemaker/community assistance can support daily living and may be self-directed through INCharge.
Who qualifies: H&W enrollment, assessed need, authorized service; INCharge requirements if self-directed.
How to start: Discuss HCA and self-direction with the care manager.
Good to know: Family caregiver payment: Yes through self-direction, subject to worker exclusions
H&W Respite + INCharge
Yes - respiteHelps pay for: Short-term relief for unpaid caregivers; respite is one of the H&W services Indiana permits to be self-directed.
Who qualifies: H&W enrollment, assessed need and respite authorization.
How to start: Ask the care manager to authorize respite and discuss INCharge.
Good to know: Family caregiver payment: Yes through self-direction, subject to exclusions
H&W Home Modifications, Equipment & Transportation
Offsets care costHelps pay for: Authorized modifications, specialized equipment, transportation and related supports can reduce care-related out-of-pocket costs and caregiver burden.
Who qualifies: H&W waiver enrollment, assessed need and prior authorization.
How to start: Ask the care manager which environmental/equipment/transport supports fit the service plan.
Good to know: Family caregiver payment: No
Indiana Medicaid / TBI
Traumatic Brain Injury (TBI) Waiver
YesHelps pay for: HCBS for eligible individuals with traumatic brain injury who would otherwise require institutional care.
Who qualifies: TBI diagnosis/eligibility, Medicaid HCBS financial eligibility, required level of care and approved plan.
How to start: Contact the local Area Agency on Aging for TBI waiver screening/application.
Good to know: Family caregiver payment: Service-specific; SFC and INCharge may pay qualifying relatives
TBI Attendant Care + INCharge Self-Direction
YesHelps pay for: Personal assistance with the option to self-direct authorized Attendant Care through INCharge.
Who qualifies: TBI waiver, authorized Attendant Care, and INCharge/FMS requirements if self-directed.
How to start: Ask the care manager about Attendant Care and INCharge.
Good to know: Family caregiver payment: Yes for eligible workers; LRIs cannot provide Attendant Care
TBI Structured Family Caregiving
YesHelps pay for: Paid family-style support for eligible TBI waiver members whose plan authorizes SFC.
Who qualifies: TBI waiver enrollment, assessed need and SFC authorization; relationship/LRI rules must be confirmed.
How to start: Ask the care manager specifically about SFC.
Good to know: Family caregiver payment: Yes
TBI Home & Community Assistance + INCharge
Yes - supportive careHelps pay for: Homemaker/community support that can be self-directed for eligible TBI waiver members.
Who qualifies: TBI waiver, authorized HCA service and FMS/worker requirements for self-direction.
How to start: Ask the care manager about self-directing HCA.
Good to know: Family caregiver payment: Yes through INCharge, subject to worker exclusions
TBI Respite + INCharge
Yes - respiteHelps pay for: Temporary relief for caregivers; TBI respite may be self-directed under Indiana’s INCharge option.
Who qualifies: TBI waiver, assessed need and authorized respite.
How to start: Ask the care manager about respite and INCharge.
Good to know: Family caregiver payment: Yes through self-direction, subject to exclusions
TBI Residential-Based Habilitation
Care alternativeHelps pay for: Residential habilitation support for eligible TBI waiver members when authorized, reducing the need for separate private-pay home-care arrangements.
Who qualifies: TBI waiver enrollment, assessed need and service authorization.
How to start: Discuss residential-based habilitation with the care manager.
Good to know: Family caregiver payment: No direct family wage
Indiana Medicaid / IDD
Family Supports Waiver (FSW)
YesHelps pay for: Limited non-residential HCBS for children and adults with intellectual/developmental disabilities living with family or other informal supports.
Who qualifies: IDD onset/diagnosis criteria, ICF/IID level of care, Medicaid HCBS financial eligibility and waiver slot/authorization.
How to start: Apply through the BDS Gateway or local BDS district office and also apply for Medicaid.
Good to know: Family caregiver payment: Selected services can be self-directed and may use qualifying family workers
FSW Family & Caregiver Training
Support / cost offsetHelps pay for: Training to improve caregiver skills and support successful care at home.
Who qualifies: FSW enrollment and service-plan authorization.
How to start: Ask the case manager to add caregiver training when relevant to the person-centered plan.
Good to know: Family caregiver payment: No direct wage
Community Integration and Habilitation (CIH) Waiver
YesHelps pay for: Broader HCBS for eligible people with intellectual/developmental disabilities who meet ICF/IID level of care and CIH criteria.
Who qualifies: IDD/ICF-IID eligibility, Medicaid HCBS financial eligibility, CIH program criteria and approved plan.
How to start: Apply through BDS/local district office; case manager develops the plan.
Good to know: Family caregiver payment: Selected services and SFC may support paid family care
Indiana Medicaid / IDD Self-Direction
FSW Participant Assistance & Care + INCharge
YesHelps pay for: Hands-on/supportive assistance under FSW; Participant Assistance & Care is one of the FSW services that may be self-directed.
Who qualifies: FSW enrollment, authorized PAC service, self-direction election and FMS/worker requirements.
How to start: Ask the case manager to explore INCharge PAC.
Good to know: Family caregiver payment: Yes through INCharge, subject to worker exclusions
FSW Respite + INCharge
Yes - respiteHelps pay for: Caregiver relief that may be self-directed under FSW.
Who qualifies: FSW enrollment, authorized respite and self-direction requirements.
How to start: Ask the case manager about self-directed respite.
Good to know: Family caregiver payment: Yes through INCharge, subject to worker exclusions
CIH Hourly Residential Habilitation & Support + INCharge
YesHelps pay for: Hourly Residential Habilitation & Support is one of the CIH services Indiana permits to be self-directed.
Who qualifies: CIH enrollment, authorized hourly RHS, self-direction election, budget and FMS/worker requirements.
How to start: Ask the case manager about INCharge for hourly RHS.
Good to know: Family caregiver payment: Yes through INCharge, subject to worker exclusions
CIH Respite + INCharge
Yes - respiteHelps pay for: Short-term caregiver relief that may be self-directed under CIH.
Who qualifies: CIH enrollment, assessed need, authorized respite and self-direction requirements.
How to start: Ask the case manager about self-directed respite.
Good to know: Family caregiver payment: Yes through INCharge, subject to worker exclusions
Indiana Medicaid / IDD Paid Family Care
CIH Structured Family Caregiving
YesHelps pay for: Structured family-style support available under CIH when authorized in the person-centered plan.
Who qualifies: CIH enrollment, assessed need, SFC authorization and qualified provider arrangement.
How to start: Ask the case manager specifically about SFC.
Good to know: Family caregiver payment: Yes - subject to program/provider rules
Indiana State / Aging & Disability
CHOICE (Community and Home Options to Institutional Care for the Elderly and Disabled)
YesHelps pay for: State-funded HCBS that help eligible people remain independent at home or in the community when other funding is unavailable.
Who qualifies: Age 60+ or any age with disability; at risk of losing independence. No income limit, but cost sharing may apply. Asset cap is $250,000 with an additional $20,000 countable-asset exclusion. Other available funding such as Medicare/Medicaid must be used first.
How to start: Apply through the local Area Agency on Aging.
Good to know: Family caregiver payment: Generally pays approved services/providers, not a family wage
Indiana State / CHOICE
CHOICE In-Home Services Package
YesHelps pay for: Depending on assessed need and local funding, CHOICE can support attendant care, homemaker, home health aide/skilled nursing, respite, modifications, PERS, equipment, meals and transportation.
Who qualifies: CHOICE eligibility, assessment, individualized plan, local funding and payer-of-last-resort rules.
How to start: Ask the AAA assessor which CHOICE services are available locally.
Good to know: Family caregiver payment: No direct family wage identified in current state overview
Older Americans Act / Caregiver
Indiana Family Caregiver Program
Yes - respite / supportsHelps pay for: Caregiver support through the aging network, including respite, counseling/training, access assistance and limited supplemental services such as home modifications, assistive technology, PERS and incontinence supplies.
Who qualifies: Program targets qualifying unpaid caregivers; specific eligibility, priority and available funding are handled locally through the aging network.
How to start: Contact the local INconnect/AAA member for screening.
Good to know: Family caregiver payment: No direct caregiver wage
Older Americans Act / Aging Network
AAA / Older Americans Act HCBS Supports
Yes / offsets care costHelps pay for: Local aging-network programs may include attendant care, homemaker, adult day services, respite, home-delivered meals, PERS, environmental modifications, equipment and transportation.
Who qualifies: Age, disability, caregiver status, local program rules and funding availability vary by service.
How to start: Call the local AAA/ADRC for a no-wrong-door assessment and referrals.
Good to know: Family caregiver payment: No direct family wage
Integrated Care
Program of All-Inclusive Care for the Elderly (PACE)
YesHelps pay for: Integrated medical and LTSS package that includes home health, personal care, adult day, respite, prescriptions, transportation and other services.
Who qualifies: Age 55+, nursing-facility level of care, able to live safely in the community at enrollment and residence in an Indiana PACE service area.
How to start: Contact a listed Indiana PACE organization serving the member’s ZIP code.
Good to know: Family caregiver payment: No direct family wage
Indiana Medicaid / State Plan
Medicaid State Plan Home Health
Yes - medical home healthHelps pay for: Indiana Medicaid covers home health care, including medically necessary services furnished under state-plan rules and authorization requirements.
Who qualifies: Medicaid eligibility, medical necessity, provider enrollment and any prior authorization/visit rules.
How to start: Ask the treating clinician and Medicaid health plan/member services about a home-health order/referral.
Good to know: Family caregiver payment: No
Indiana Medicaid Hospice
Yes - hospice careHelps pay for: Hospice coverage can replace or reduce separately purchased end-of-life home services for eligible members.
Who qualifies: Medicaid eligibility and hospice clinical/election requirements.
How to start: Ask the clinician/health plan for hospice evaluation and covered provider options.
Good to know: Family caregiver payment: No direct family wage
Indiana Medicaid / Transportation
Indiana Medicaid Non-Emergency Medical Transportation
Offsets care costHelps pay for: Covered transportation to eligible medical services can reduce caregiver driving and out-of-pocket transportation expense.
Who qualifies: Benefit varies by Medicaid delivery system and trip; advance scheduling and authorization rules may apply.
How to start: Call the member’s health plan or Medicaid member services for the correct transportation broker.
Good to know: Family caregiver payment: No
Indiana Medicaid / Financial Eligibility
HCBS Medicaid Financial Eligibility / Waiver Liability Planning
Yes - via Medicaid eligibilityHelps pay for: Qualifying for HCBS Medicaid can shift substantial home-care costs from private pay to Medicaid. Indiana’s 2026 guide lists up to $2,982 monthly income for disabled individuals eligible for HCBS waiver services, with possible waiver liability.
Who qualifies: Financial and functional rules apply. The 2026 general asset test is $2,000 single / $3,000 married; spousal impoverishment protections may change how a married couple is evaluated.
How to start: Apply for Medicaid and request an HCBS/long-term-care eligibility determination; get qualified advice before transfers or spend-downs.
Good to know: Family caregiver payment: No direct wage by itself
Indiana Medicaid / Working Disabled
MEDWorks
Indirect / covered Medicaid benefitsHelps pay for: Medicaid buy-in for working people with disabilities who would otherwise lose or be ineligible for Medicaid; retaining coverage can preserve access to covered home-health and other Medicaid benefits.
Who qualifies: Must meet disability and work rules; income/premium rules apply. Indiana’s 2026 materials use a higher working-disabled income standard and sliding premiums.
How to start: Apply for Medicaid and ask specifically about MEDWorks.
Good to know: Family caregiver payment: No
Medicare Cost Offset
Medicare Savings Programs (QMB / SLMB / QI)
Offsets care costHelps pay for: Can pay Medicare premiums and, for QMB, Medicare deductibles/coinsurance, preserving income that could otherwise be used for home care.
Who qualifies: Medicare entitlement plus Indiana income/resource rules. 2026 thresholds differ by QMB, SLMB and QI.
How to start: Apply through Indiana Medicaid; SHIP can screen and help with the application.
Good to know: Family caregiver payment: No
Medicare Part D Extra Help
Offsets care costHelps pay for: Federal low-income subsidy reduces Part D premiums, deductibles and copays, freeing household cash for care.
Who qualifies: Medicare plus 2026 income/resource limits or automatic qualification through certain Medicaid/MSP/SSI statuses.
How to start: Apply through Social Security/Medicare; SHIP can assist.
Good to know: Family caregiver payment: No
Indiana Prescription Assistance
HoosierRx
Offsets care costHelps pay for: Indiana’s state pharmaceutical assistance program can pay up to $70 per month toward participating Medicare Part D premiums for qualifying residents age 65+.
Who qualifies: Indiana resident, age 65+, income under program threshold, Medicare Part D through a participating plan and other program requirements.
How to start: Apply online or call HoosierRx.
Good to know: Family caregiver payment: No
Medicare
Medicare Home Health Benefit
Yes - limited/skilledHelps pay for: Medicare can cover intermittent skilled nursing, therapy and qualifying home-health aide services when homebound and otherwise eligible. It does not cover long-term custodial care by itself.
Who qualifies: Medicare eligibility, homebound status, need for covered skilled care and Medicare-certified agency requirements.
How to start: Ask the clinician to certify/order home health and select a Medicare-certified agency.
Good to know: Family caregiver payment: No
Medicare Caregiver Training Services
Support / cost offsetHelps pay for: Medicare can cover certain caregiver training services when medically necessary as part of a patient’s treatment plan, reducing private training expense.
Who qualifies: Covered beneficiary, medical necessity and Medicare billing requirements.
How to start: Ask the treating clinician whether caregiver training can be ordered/billed under Medicare.
Good to know: Family caregiver payment: No wage
Medicare Hospice Benefit
Yes - hospice-relatedHelps pay for: For eligible terminally ill beneficiaries who elect hospice, Medicare can cover hospice-related nursing, aide, social work, equipment, medications and short-term respite.
Who qualifies: Medicare hospice eligibility, certification and election requirements.
How to start: Request a hospice evaluation from the clinician or Medicare-certified hospice.
Good to know: Family caregiver payment: No direct family wage
Medicare Dementia Care
GUIDE Dementia Care Model
May include respite/supportHelps pay for: Participating GUIDE organizations provide dementia care coordination, caregiver support and, for certain beneficiaries, respite services under the CMS model.
Who qualifies: Original Medicare beneficiary with dementia plus model/provider eligibility; availability depends on participating GUIDE organization and model rules.
How to start: Search for/ask about a local GUIDE participant and request dementia-care assessment.
Good to know: Family caregiver payment: No direct caregiver wage
Medicare Advantage
Medicare Advantage Supplemental Benefits
Plan-specificHelps pay for: Some MA plans offer in-home support, meals, transportation, caregiver supports or other supplemental benefits beyond Original Medicare; benefits vary by plan and year.
Who qualifies: Must be enrolled in a plan offering the benefit and meet plan criteria/authorization rules.
How to start: Review the plan Evidence of Coverage or call the plan before purchasing services.
Good to know: Family caregiver payment: Usually no
Food Cost Offset
Supplemental Nutrition Assistance Program (SNAP)
Offsets care costHelps pay for: Food benefits can reduce grocery spending; Indiana allows certain medical-expense deductions for elderly/disabled households, which can affect eligibility/benefit calculations.
Who qualifies: Household income/resource and program rules; elderly/disabled households have special net-income/deduction provisions.
How to start: Apply through Indiana DFR benefits and document allowable medical expenses.
Good to know: Family caregiver payment: No
Utility Cost Offset
Indiana Energy Assistance Program (EAP / LIHEAP)
Offsets care costHelps pay for: Seasonal one-time energy benefit can reduce heating/electric costs and preserve cash for care. As of August 2026, PY2026 applications are closed and the portal is scheduled to reopen in fall 2026.
Who qualifies: Income and program-season requirements; benefit paid to utility vendor.
How to start: Check the EAP page in fall 2026 or contact the local service provider/211.
Good to know: Family caregiver payment: No
Home Cost Offset
Weatherization Assistance Program (WAP)
Offsets care costHelps pay for: Energy-efficiency improvements can permanently reduce utility costs for income-eligible households.
Who qualifies: Income eligibility and property/site conditions; 2026 Indiana page uses 200% of federal poverty guidelines for household income screening.
How to start: Contact the local weatherization service provider or IHCDA.
Good to know: Family caregiver payment: No
Tax / Housing Cost Offset
Indiana Senior / Blind / Disabled Property Tax Credits
Offsets care costHelps pay for: Indiana offers senior and blind/disabled property-tax benefits that can reduce annual housing expense and preserve funds for home care.
Who qualifies: Age/disability, homestead/property and income rules vary by credit; county auditors administer applications.
How to start: Contact the county auditor and use current DLGF forms/thresholds.
Good to know: Family caregiver payment: No
Private Insurance
Long-Term Care Insurance
Often yesHelps pay for: Existing LTC insurance may reimburse covered home-care, personal-care, respite or related services depending on policy terms and elimination periods.
Who qualifies: Must have an in-force policy and satisfy benefit triggers, elimination period and covered-service/provider rules.
How to start: Request the policy benefit summary and open a claim before assuming a service is reimbursable.
Good to know: Family caregiver payment: Policy-specific
Home Equity
HECM Reverse Mortgage
Cash / indirectHelps pay for: For eligible homeowners age 62+, a federally insured reverse mortgage can convert home equity to cash that may be used for home care, while creating loan costs and reducing remaining equity.
Who qualifies: Age, eligible principal residence, counseling, financial assessment and HUD/FHA loan requirements.
How to start: Complete HUD-approved counseling and compare alternatives before borrowing.
Good to know: Family caregiver payment: Yes, indirectly
Veterans
Veteran-Directed Care (VDC)
YesHelps pay for: Flexible self-directed budget for eligible Veterans who need personal care; participants may hire workers, including family in many local programs, subject to program rules.
Who qualifies: VA enrollment/community-care eligibility, clinical criteria and local VDC availability.
How to start: Ask VA Indiana/Northern Indiana social work or geriatrics whether VDC is available in the Veteran’s county.
Good to know: Family caregiver payment: Yes
VA Aid & Attendance Pension Add-On
Cash / indirectHelps pay for: Additional pension payment for qualifying Veterans/survivors who need help with ADLs or meet other Aid & Attendance criteria; cash can help fund home care.
Who qualifies: Must qualify for VA pension and meet A&A medical/financial criteria.
How to start: Apply through VA or an accredited representative; document care needs and unreimbursed medical expenses as applicable.
Good to know: Family caregiver payment: Yes, indirectly
VA Benefits
VA Homemaker & Home Health Aide
YesHelps pay for: VA may authorize community-based aides to help an eligible Veteran with ADLs and selected daily tasks in the home.
Who qualifies: VA enrollment/community-care eligibility, clinical need and local availability; copay may apply. Ask VA primary care/social work for assessment and referral.
How to start: Ask the VA social worker or care team about VA Homemaker & Home Health Aide.
Good to know: Family caregiver payment: No
Veteran-Directed Care
YesHelps pay for: Flexible self-directed budget for eligible Veterans who need personal care; the participant can hire workers, including family in many programs, subject to local rules.
Who qualifies: Enrolled Veteran, community-care eligibility, clinical criteria and local VDC availability. Ask VA Indiana or VA Northern Indiana social work/geriatrics whether VDC serves the Veteran’s county.
How to start: Ask the VA social worker or care team about Veteran-Directed Care.
Good to know: Family caregiver payment: Yes
VA Skilled Home Health
Yes - skilled careHelps pay for: VA may purchase skilled nursing, therapy and related home-health services from authorized community providers.
Who qualifies: Clinical need, VA eligibility/authorization and provider availability. Ask the VA care team for a skilled-home-health referral.
How to start: Ask the VA social worker or care team about VA Skilled Home Health.
Good to know: Family caregiver payment: No
VA Respite Care
Yes - respiteHelps pay for: VA may provide in-home, adult-day or facility respite to give caregivers a break.
Who qualifies: Enrollment, clinical need and local availability/authorization. Ask VA social work or a Caregiver Support Coordinator.
How to start: Ask the VA social worker or care team about VA Respite Care.
Good to know: Family caregiver payment: No direct wage
VA Aid & Attendance Pension Add-On
Cash / indirectHelps pay for: Additional pension payment for qualifying Veterans/survivors who need ADL help or meet other Aid & Attendance criteria.
Who qualifies: Must first qualify for VA pension plus A&A medical/financial criteria. Apply through VA or an accredited representative.
How to start: Ask the VA social worker or care team about VA Aid & Attendance Pension Add-On.
Good to know: Family caregiver payment: Yes, indirectly
PCAFC Caregiver Stipend
Direct caregiver stipendHelps pay for: VA may pay an approved primary family caregiver a monthly stipend and provide training, counseling, respite and other supports.
Who qualifies: Veteran and caregiver must meet PCAFC eligibility and complete VA assessment/enrollment. Apply jointly through VA Caregiver Support.
How to start: Ask the VA social worker or care team about PCAFC Caregiver Stipend.
Good to know: Family caregiver payment: Yes
VA Community Care Network - Region 2
Pays authorized providerHelps pay for: VA-authorized community care can include home health and other approved services. Indiana is in CCN Region 2, administered by Optum Serve.
Who qualifies: VA referral/authorization and community-care eligibility generally apply. Obtain VA authorization before routine community care.
How to start: Ask the VA social worker or care team about VA Community Care Network - Region 2.
Good to know: Family caregiver payment: No
Home Based Primary Care (HBPC)
Home-based clinical careHelps pay for: Interdisciplinary VA primary care delivered in the home for eligible Veterans with complex chronic conditions.
Who qualifies: VA enrollment, clinical need and local program availability. Ask VA Indiana or VA Northern Indiana primary care/social work about HBPC.
How to start: Ask the VA social worker or care team about Home Based Primary Care (HBPC).
Good to know: Family caregiver payment: No
Medical Foster Home
Residential care alternativeHelps pay for: Private-home residential option paired with VA Home-Based Primary Care for Veterans needing substantial assistance; VA oversees the setting but the Veteran generally pays the foster-home caregiver privately.
Who qualifies: Must be enrolled in HBPC; local program suitability/availability. Medical Foster Home charges are not paid by VA. Ask VA Northern Indiana/Indiana social work or the Medical Foster Home coordinator.
How to start: Ask the VA social worker or care team about Medical Foster Home.
Good to know: Family caregiver payment: No VA family wage
VA Caregiver Support Program
Support / respite navigationHelps pay for: Coaching, education, peer support, respite navigation and caregiver services; also gateway to PCAFC screening.
Who qualifies: Veteran/caregiver relationship and program-specific criteria vary. Call the national line or VA Indiana Caregiver Support.
How to start: Ask the VA social worker or care team about VA Caregiver Support Program.
Good to know: Family caregiver payment: PCAFC may pay stipend
VA Pension
Cash / indirectHelps pay for: Needs-based monthly pension for qualifying wartime Veterans/survivors; pension income can help fund home care.
Who qualifies: Service, age/disability, income/net-worth and other VA pension rules. Apply through VA or an accredited representative.
How to start: Ask the VA social worker or care team about VA Pension.
Good to know: Family caregiver payment: Yes, indirectly
Richard L. Roudebush VA Medical Center / Benefits Navigation
Benefits accessHelps pay for: Local VA care teams and social workers can connect Indiana Veterans with home-based care, caregiver support, community care and earned benefits. Northern Indiana Veterans may also be served by VA Northern Indiana Health Care.
Who qualifies: Benefit-specific eligibility applies. Call and request social work/caregiver/geriatrics or community-care navigation.
How to start: Ask the VA social worker or care team about Richard L. Roudebush VA Medical Center / Benefits Navigation.
Good to know: Family caregiver payment: No direct wage
Where Indiana Families Can Start
Not sure where to begin? Match your situation to a contact below.
Select/change a PathWays health plan and get enrollment help
Indiana PathWays for Aging Enrollment Broker
General PathWays questions or help when the member does not know which plan they have
PathWays Member Support Services
Screening and access for CHOICE, H&W/TBI waivers, caregiver support, meals, respite and other aging/disability services
Indiana Area Agencies on Aging / ADRCs
General Medicaid coverage/benefit questions and direction to the correct program or health plan
Indiana Medicaid Member Services
FSW/CIH application, BDS Gateway help, district-office routing and IDD services
Bureau of Disabilities Services (BDS)
State aging-program questions, including PACE/AAA resources
Bureau of Better Aging
Free Medicare counseling, MSP/Extra Help screening and plan comparisons
Indiana SHIP
Local food, housing, utilities, transportation and community-resource referrals
Indiana 211
Energy Assistance and weatherization access; weatherization statewide contact
IHCDA Energy / Weatherization
Apply for senior, blind/disabled and other property-tax credits/deductions
County Auditor / DLGF Property Tax Benefits
PCAFC stipend screening, caregiver support, respite navigation and local VA help
VA Caregiver Support / VA Indiana
Before You Rely on Any Payment Source
Planning Point
Why It Matters
The old Aged & Disabled Waiver is no longer one statewide age-neutral track
Indiana split the Aged & Disabled Waiver on July 1, 2024. People age 60+ generally use the PathWays Waiver; qualifying people age 59 and under use the Health & Wellness Waiver. Do not apply old A&D labels or enrollment routes without checking the person’s age/program.
INCharge self-direction spans five waivers
Indiana’s current INCharge option covers selected services on PathWays, H&W, TBI, FSW and CIH. A participant may hire friends, family members or neighbors, but a spouse or legal guardian cannot be a self-directed worker; parents of minor children also cannot be self-directed workers.
Structured Family Caregiving and Attendant Care have different family-worker rules
PathWays states that family members can be paid under Structured Family Caregiving. Indiana’s LRI guidance separately states that legally responsible individuals cannot provide Attendant Care. Verify the exact relationship and service before assuming a spouse/parent can be paid.
PathWays Dual Care began January 1, 2026
The FIDE SNP option integrates Medicare and full Medicaid for eligible members. It is not a separate HCBS waiver and has exclusions for people in certain other waiver/program groups, including PACE.
Use the 2026 HCBS financial figures, not older 300%-SSI dollar amounts
Indiana’s current eligibility guide lists up to $2,982 monthly income for disabled individuals eligible for HCBS waiver services and a general asset test of $2,000 single / $3,000 married. Waiver/patient liability and spousal impoverishment rules can materially change the result.
CHOICE is a payer of last resort
Indiana says CHOICE funds may not be used when Medicare, Medicaid or other funding is available for the need. There is no income limit, but cost sharing can apply; the current asset cap is $250,000 with an additional $20,000 countable-asset exclusion.
PACE is powerful but not statewide
PACE includes home health and personal care, but a person must live in a participating service area, be age 55+, meet nursing-facility level of care and be able to live safely in the community at enrollment.
EAP is seasonal and currently closed
As of August 2026, Indiana’s PY2026 Energy Assistance Program application period is closed and the state says it will reopen in fall 2026. Treat EAP as a seasonal cost offset, not an immediately open application pathway today.
A temporary HCBS provider enrollment moratorium started August 1, 2026
Indiana obtained CMS approval for a statewide initial six-month moratorium on new HCBS waiver provider certification/enrollment covering CIH, FSW, H&W, TBI and PathWays services. This does not eliminate beneficiary eligibility, but it may affect new-provider options and network expansion.
Indiana is in VA Community Care Network Region 2
Region 2 is administered by Optum Serve. Routine community care generally requires VA referral/authorization; do not assume a private home-care provider can bill VA without it.
HoosierRx, MSP, SNAP and tax/utility programs are cost offsets
These programs usually do not pay a caregiver directly, but reducing premiums, prescriptions, food, utilities or property taxes can preserve cash for privately paid care.
Coordinate benefits before changing payroll, assets, housing or insurance
Family-caregiver employment can affect taxes and benefits, and Medicaid long-term-care eligibility has transfer, resource, income and spousal rules. Get program-specific or qualified legal/financial guidance before major spend-downs, transfers or loan decisions.
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 Indiana to help you navigate the application process.
← Back to How to Pay for In-Home CareHome Care Providers in Indiana
These providers serve families in Indiana and can help you apply what you've learned above to your specific situation.
Caring Excellence Personalized Home Care Services – Southern Indiana Office
Serving Indiana
Caring Excellence Personalized Home Care Services provides home care services in the communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
New Albany, Floyds Knobs, Georgetown and surrounding areas
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Home Services Unlimited
Serving Indiana
Home Services Unlimited-EKF Management provides home care services in Indianapolis, IN and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Indianapolis
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I Need Great Care
Serving Indiana
I Need Great Care provides home care services in Indianapolis, IN and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Indianapolis, Avon, Brownsburg and surrounding areas
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Inspire Care & Support Services
Serving Indiana
Inspire Care & Support Services provides home care services in Highland, IN and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Crown Point, Dyer, Gary and surrounding areas
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Residential Services Inc
Serving Indiana
Residential Services Inc provides home care services in Indianapolis, IN and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Greater Indianapolis Area
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Seasons Home Care
Serving Indiana
Seasons Home Care provides home care services in Warsaw, IN and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Columbia City, Elkhart, Fort Wayne and surrounding areas
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