Home / Blog / Paying for Care
How to afford in-home care: 4 ways
Financial difficulties with paying for quality care can feel daunting — but with thoughtful planning, you can obtain excellent care without straining your finances.
1. In-home care plans with Handled Home Care
In-home care is a cost-effective alternative to residential facilities, and personalized care plans let seniors age comfortably in their own homes. Handled Home Care is one of the most affordable options in the city, with complimentary in-home assessments, no contracts required, and a single flat hourly rate that covers every service.
2. Long-term care insurance
Investing in long-term care insurance early is one of the smartest moves families can make. Policies can cover expenses for assisted living, nursing homes, and specialized dementia or Alzheimer's services — and premiums are significantly more affordable the sooner you purchase.
3. Explore assistance programs
Medicaid, Supplemental Security Income (SSI), and state-specific programs like the Arizona Long Term Care System (ALTCS) can help seniors with limited financial resources fund their care. The key is understanding eligibility requirements and application procedures early — before care becomes urgent.
4. Consider shared housing arrangements
Some seniors choose to live together and split living costs. Beyond the financial savings, shared housing brings built-in companionship and community support — two things that matter enormously for long-term wellbeing.