Paying for care in Mercer County
Choosing home care for someone you love is a big decision. Figuring out how to pay for it should never add to your worry. As a full-service private pay home care agency, Always Responsive Home Care keeps billing simple, honest, and fair, so you always know what to expect.
Care that fits your life
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Flexible schedules built around your needs
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No long-term contracts
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No large deposits
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Nothing paid upfront. You pay only after care has been provided.
Simple weekly billing
Our billing week runs Monday through Sunday. Every Monday, we create your invoice for the care provided the week before and process your payment that same day. When Monday falls on a holiday, your payment is processed on the next business day.
Safe, convenient payment options
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Automatic weekly EFT from your bank account
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Credit card (a processing fee applies)
Once your payment method is set up, there is nothing more you need to do each week.
No hidden fees
Every rate is listed on your consent forms before care begins, so there are never any surprises. Our rates are fair and in line with the local market, and we work hard to keep them where they should be. Care provided on holidays is billed at time and a half. That's because we pay our caregivers time and a half for working those days, and we believe they deserve it.
Long-term care insurance
We welcome every client who has long-term care insurance, and we make the process easy. Our team prepares and submits your claims every week at no additional charge. You pay for care directly, and your insurance company sends your reimbursement straight to you. Keeping it this way means your account stays clear and accurate, and you stay in full control of your benefits.
Reverse mortgages
For many families, the house is the largest thing they own. A reverse mortgage lets a homeowner 62 or older turn part of the home's value into a lump sum, monthly payments or a line of credit, with nothing to repay while they live there. Because it works only while your loved one stays home, it's a natural fit for care at home. The money comes to your family, and you pay us directly, just as you would from savings.
Cashing out a life insurance policy
Many whole and universal life policies build cash value your loved one can borrow against or withdraw. Some also have a living benefit that pays part of the death benefit early when someone needs help with daily activities like bathing and dressing. Money taken out now comes off what beneficiaries receive later, so ask the insurer what the policy allows. Whatever the source, you pay us directly.
Medicare, Medicaid, and other insurance
Many families ask whether health insurance, Medicare, Medicaid, or VA benefits will pay for our services. Always Responsive Home Care is a private pay agency, and we are not a Medicare, Medicaid, or VA provider, so we do not participate with these programs. If one of them is the right fit for your family, we are happy to refer you to one of our preferred providers that does.
It also helps to know how coverage for home care usually works. Medicaid can cover home care for people who qualify, through agencies that are Medicaid providers. Medicare covers home health care, but that care is typically short term, often just two to three weeks. When it ends, many families find their loved one still needs support at home, and that's where private care like ours comes in.
For veterans and their surviving spouses, the VA Aid and Attendance benefit may help with the cost of care. We're happy to work with you to see whether you qualify, or we can refer you to a provider who helps families through the process.
Care that works within your budget
Every family's situation is different. Tell us what you can comfortably afford, and we will work with you to build a care plan that fits. Our goal is to help, and we will do everything we can to find a solution that gets your loved one the support they need.
We're here to help
Have questions about billing or insurance? Give us a call. We're always happy to walk you through it.
Questions about paying for care
Still have a question? Call or text us. Someone is here to talk, any time of day.
(609) 208-1111Click or tap a question to see the answer.
How much does home care cost?
The cost of in home care depends on several things, including where your loved one lives, how many hours of care they need, how often visits are scheduled, and the type of care required. Because every family's situation is different, the best way to get an accurate price is through our free in home assessment. There's no obligation, and we'll create a care plan that fits your loved one's needs. You'll always have a clear, written estimate before care begins, with no surprises.
Does Medicare or Medicaid pay for non medical home care?
Medicare generally does not cover non medical home care. It mainly pays for short term, skilled home health care after a hospital stay or illness. Medicaid may cover some home care services for people who meet certain income and asset requirements, depending on the state. Our agency is private pay, which means we don't accept Medicare or Medicaid. Many families pay for care privately or use long term care insurance, and we're happy to walk you through your options.
Does long term care insurance cover home care, and will you help with the claims?
Yes, most long term care insurance policies cover in home care. Even better, we handle the paperwork for you. We submit your claims to the insurance company every week, so all you have to do is sit back and wait for your reimbursement. If you're not sure what your policy covers, our team is happy to help you review it and understand your benefits.
Do I have to sign a long term contract?
No, never. There are no long term contracts and no large deposits. You only pay for the care your loved one receives, and you can change your schedule or cancel at any time. We earn your trust every day through great care, not by locking you into an agreement.
Let's talk about care for your family
Send the form and our Mercer County team will call you back to talk about your loved one and set up a free in-home assessment. There's no cost and no obligation.
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