SeeIfYouQualify.CARE See If You Qualify
IN-HOME CARE COVERAGE

Get care at home.
Not in a facility.

Coverage that pays up to $13,500 a month in cash for licensed care in your own home — paid directly to you, not to an agency. Issued ages 55 to 85.

See If You Qualify →

Takes about a minute. Free to check.
No one calls unless you ask.

What home care actually costs

Most families find this out the week they need it.

Paying out of pocket
$5,000+
per month — about $30 to $40 an hour, eight hours a day
With this coverage
Up to $13,500/mo
$450 a day at the top plan level, paid directly to you for covered home healthcare services

Costs shown are typical national ranges for private-pay home care and will vary by area. Benefit amounts vary by the plan you choose.

What this actually looks like

Care comes to your house. You stay in your own life.

A couple at their kitchen table at home, on the phone with a laptop open
Staying in your own home — with licensed care that comes to you for help with bathing, dressing, meals, medication, and getting around.
QUESTION 1 OF 4

Who is this coverage for?

How old are they?

This coverage is issued to ages 55 through 85.

Do they need help with daily activities now?

Bathing, dressing, meals, medication, or getting around.

Where should we send your results?

A licensed advisor will confirm what's available in your state. Free, and no obligation.

Please enter your name.
Please choose your state.
Please enter a 10-digit phone number.
See My Results →

By continuing, I agree to the Privacy Policy and Terms of Service, and I expressly consent to be contacted about insurance products at the phone number provided — including by autodialed calls, prerecorded messages, and SMS text messages — by this site and its licensed insurance partners, even if my number is on a Do-Not-Call list. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out.

✓

Thank you, friend.

Based on your answers, this coverage may be available to you.

A licensed advisor will call to confirm what's available in your state and what it costs. If you'd rather meet in person, they can come to your home.

Watch for a call from a local number. If you miss it, they'll try again — there's no rush and no obligation.

What happens next

No pressure, and no paperwork maze.

1

You check eligibility

Four questions, about a minute. It costs nothing and commits you to nothing.

2

A licensed advisor calls you

A real person, licensed in your state. They confirm what's available and what it costs.

3

Or they come to your home

Prefer to talk in person? An advisor can sit down at your kitchen table and go through everything at your pace — with your family there if you'd like.

A licensed advisor going over coverage with a couple at their kitchen table
Meeting at your kitchen table — with your family there if you want them.

The honest version

Who this is really for — and who it isn't.

If you're a veteran

VA health care covers a great deal. Extended in-home custodial care — someone coming to the house daily to help with bathing, dressing, meals, and getting around — often isn't part of it.

There is a VA benefit that can help with this, called Aid and Attendance. It has income and asset limits that many veterans exceed, and it can take months to process. If you qualify for it, you should absolutely use it — it's yours, and you earned it.

This coverage is built for the gap that's left. It pays a daily benefit directly to you, on top of anything else you have, and it does not reduce or interfere with your VA care.

Straight answer on what we are: we are a private insurance marketing site. We are not affiliated with the Department of Veterans Affairs or any government agency, we are not endorsed by them, and we do not help anyone apply for VA benefits or charge any fee connected to them. If a licensed advisor thinks Aid and Attendance is a better fit for your situation than anything we sell, they'll tell you so and point you to an accredited Veterans Service Organization — for free.

Questions people ask

Is this a government program?

No. This is private insurance. It is not Medicare, not Medicaid, and this site is not affiliated with any government agency. It's designed to work alongside coverage you already have.

What does "qualify" mean here?

Two things. First, qualifying to buy the coverage: it's issued at ages 55 to 85 with health questions, so you apply while you're reasonably healthy. Second, qualifying for benefits later: a licensed health care practitioner certifies that you need help with daily activities, and the daily benefit begins.

How much will it actually pay?

You choose the plan level: $150, $300, or $450 a day. The top plan works out to about $13,500 a month. Maximum benefit periods and the plan options available depend on your state.

How much does it cost?

Your premium depends on your age, your state, and the daily benefit amount you choose. A licensed advisor gives you exact numbers in one call — there's no cost to find out.

Can my daughter or son be the paid caregiver?

Benefit payments require care from a licensed or certified caregiver employed by a licensed home health agency. Family members are supported differently, through the caregiver benefit and concierge services included with the coverage.

Will someone call me right away?

A licensed advisor will reach out after you submit your information — that's what the eligibility check is for. If you'd rather not be contacted, simply don't submit the form. Nothing is sent until you choose to submit.

I'm a veteran — does this affect my VA benefits?

No. This is private insurance that pays a benefit directly to you. It does not reduce, replace, or interfere with VA health care or any VA benefit you receive. We are not affiliated with the Department of Veterans Affairs or any government agency.

Can you help me apply for VA Aid and Attendance?

No, and we won't charge you anything connected to it. Aid and Attendance is a VA benefit, and help applying for it is available free from accredited Veterans Service Organizations and VA-accredited representatives. Anyone who charges you a fee to apply for VA benefits should be reported. If our advisor thinks that benefit fits your situation better than what we offer, they'll say so and point you in the right direction.

Who provides the coverage?

Coverage is underwritten by an established national insurance carrier that has served American families for decades. Your advisor will name the specific carrier, plan, and policy forms available in your state before you apply.

See If You Qualify →