The question every family asks, usually in a whisper, is “how will we afford this?” The honest answer: home care is a real expense, but there are more ways to pay for it than most families realize. Here are the main options for Hawaii residents.
Private pay
Most non-medical home care starts as private pay. Because plans are built by the hour, many families begin with just 8-12 hours a week focused on the highest-need times, then adjust as needs change.
Long-term care insurance
If your loved one bought a long-term care policy years ago, it will likely reimburse in-home care. Dig out the policy and look for the “home and community based care” benefit. We can help you read it and handle the claims paperwork.
Veterans benefits: Aid & Attendance
Wartime veterans and surviving spouses may qualify for the VA’s Aid & Attendance benefit, which can add over $1,000 per month toward care costs. Many eligible Hawaii families have never heard of it.
Medicaid (Med-QUEST) waivers
For families with limited income and assets, Hawaii’s Med-QUEST program can cover in-home personal care through its home and community based services. The application takes time, so start early.
Kūpuna Care
Hawaii’s state-funded Kūpuna Care program helps residents 60+ who don’t qualify for Medicaid but can’t afford full private care. Contact your Area Agency on Aging (on Oʻahu, the Elderly Affairs Division) to ask about eligibility.
Talk it through with us
During your free consultation we’ll walk through every funding avenue that might apply to your family, including the ones that don’t involve us. Good advice first; business second.