Assisting Hands Home Care - Melrose Park & Westchester
 
  • Home Care Services
    • Senior In-Home Care
    • Companion Care
    • Alzheimer’s & Dementia Care
    • Respite Care
    • 24-Hour Home Care
    • Overnight Care
    • Home Hospice Care
    • Post-Hospital Care
    • Full List of Services
  • Service Areas
    • Westchester, IL
    • Melrose Park, IL
    • Oak Lawn, IL
    • River Forest, IL
    • View All Service Areas
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    • Our Caregivers
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    • How to Pay for Care
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How to Pay for Care

Paying for in-home care is an important part of planning for a loved one’s changing needs. Families have several options for covering the cost of home care, depending on their circumstances and resources.

At Assisting Hands Home Care Melrose Park, we help families understand their options and find an approach that fits their care needs and budget. Home care rates vary based on the type and amount of care needed, so we’ll talk through your situation and provide a personalized estimate.

A Note on Medicare, Medicaid, and VA Benefits

Assisting Hands Home Care Melrose Park does not accept Medicare, Medicaid, or VA benefits for in-home care. Medicare covers short-term skilled care ordered by a physician, not ongoing help with bathing, dressing, meals, or companionship.

If Medicaid is the only way you can pay for care, AgeOptions, the Area Agency on Aging for suburban Cook County, can help you explore state programs that may be available.

Some veterans receive a VA pension, such as Aid and Attendance, paid directly to them. While we don’t bill the VA, families can choose to use those funds toward private-pay care.

Call for a Free Assessment

Ways to Pay for Home Care

Most families use one or both of the following options.

1. Private Pay

For most families, private pay is the simplest way to cover the cost of home care. This means paying directly for services with personal or family funds. Private pay gives you the flexibility to choose the type and amount of care that fits your loved one, from a few hours a week to 24-hour care as needs change.

Families may use:

  • Personal savings
  • Retirement income
  • Social Security or pension income
  • Family contributions
  • Other personal financial resources

Planning Tip: Even if your loved one only needs a few hours of help to start, talking through how care could change over time makes future decisions easier.

2. Long-Term Care Insurance

If your loved one has a long-term care insurance policy, it may help cover the cost of in-home care. Coverage varies widely between policies. Some cover non-medical home care once eligibility requirements are met, while others have specific rules about the type or amount of care provided.

Before starting services, review the policy or contact the insurance provider to confirm:

  • Whether in-home care is covered
  • What eligibility requirements apply
  • Which services qualify
  • How to file for benefits

Our team can help you navigate the claims process and determine whether long-term care insurance is an option for your family.

Understanding Your Home Care Costs

There isn’t one standard cost for home care. What a family pays depends on:

  • The type of assistance needed
  • How many hours of care are needed
  • How often visits occur
  • The complexity of the care plan

Care needs often change over time. Someone who starts with a few hours of weekly companion care may eventually need help with personal care, mobility, meal preparation, or more frequent supervision. Planning for both current and future needs helps you budget with confidence.

Get Help Planning for Home Care

Figuring out how to pay for care can feel overwhelming, especially when you’re making decisions for a parent or spouse. Assisting Hands Home Care Melrose Park provides personalized in-home care for seniors throughout Melrose Park, Westchester, Oak Lawn, River Forest, and surrounding communities in Cook County.

Call (708) 578-5663 to discuss your loved one’s needs and learn more about your home care options.


Reviews from Our Clients


Review by Kimberly J.
Senior Care
Rating 5 5 Star Moving Rating

The professionalism and warmth of the administrative staff as well as the caregivers at Assisting Hands have been a great comfort to our family. The staff is genuinely committed to providing an array of supportive services to families managing dementia. My family feels very fortunate to have discovered Assisting Hands and recommend this compassionate agency without hesitation.

Review by Xris T.
Senior Care
Rating 5 5 Star Moving Rating

We are so grateful for the care and support Assisting Hands home care agency provides. The entire team is responsive, caring, and always willing to answer questions and address concerns. The caregivers are wonderful, compassionate, and truly give us peace of mind knowing our family is well cared for. The owner is amazing to work with – professional, supportive, and genuinely cares. We highly recommend this agency!

Review by Barb W.
Senior Care
Rating 5 5 Star Moving Rating

Assisting Hands provides reliable, professional and personal service. Dad had great care from the whole team. Lashanti fit so easily with Dad and our dog it made a difficult time much easier.
Read More Testimonials

New Clients: (708) 578-5663

Existing Clients/Caregivers: (630) 230-6099

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Westchester, IL Services

  • Home Care Services
  • Senior In-Home Care
  • 24-Hour Home Care
  • Companion Care
  • Alzheimer’s & Dementia Care
  • Respite Care
  • Overnight Care
  • Transitional Care
  • Hospice Care at Home

Service Areas

  • Westchester, IL
  • Melrose Park, IL
  • Oak Lawn, IL
  • River Forest, IL
  • All Service Areas

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Locally owned, non-medical in-home care for seniors in Melrose Park, Westchester, Oak Lawn, River Forest, and the western suburbs.

  • New Clients: (708) 578-5663
  • Clients/Caregivers: (630) 230-6099
  • [email protected]
  • One Westbrook Corporate Center Ste 300, Westchester, IL 60154
Oak Park River Forest Chamber of Commerce member

COMPANY

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Services

  • Home Care
  • Senior Home Care
  • Companion Care
  • Alzheimer’s & Dementia Care
  • Respite Care
  • Post-Hospital Care
  • Full List of Services

Resources

  • Care After Gottlieb Discharge
  • Care After Advocate Christ Discharge
  • GUIDE Program
  • Free Caregiver Toolkit
  • Safe Discharge Planning Guide
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