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How Home Care Is Paid For

Flexible Options for Non-Medical Home Care

Non-medical home care is typically funded through a combination of private and supplemental resources. Below are the most common options available to the families we serve in San Diego County.

We work closely with families to align care services with available resources — ensuring clarity in planning, flexibility in scheduling, and confidence in decision-making.

Payment Options

How Amana Assist Services Are Paid For

Most Common Option

Private Pay

Flexible Care, Designed Around You

Most services provided by Amana Assist are funded through private pay. This option offers the highest level of flexibility and personalization. With private pay, you can:

  • Customize schedules based on your exact needs
  • Choose from our full range of services including specialized programs
  • Adjust care levels as needs evolve

We provide clear service agreements and transparent rate structures to support confident planning and long-term care management.

Insurance Coverage

Long-Term Care Insurance

Supporting Coverage for Ongoing Care Needs

Long-term care insurance policies may include coverage for non-medical home care services such as:

  • Personal care and bathing assistance
  • Companionship and supervision
  • Support with daily living activities

Amana Assist can provide:

  • Service documentation
  • Care summaries
  • Support with claims submission

Helpful Tip: Review your policy's "Home Care" or "Custodial Care" section, or contact your provider directly to confirm eligibility and reimbursement guidelines.

Health Savings Accounts

HSA / FSA Accounts

Using Health Savings Accounts for Care

Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) may allow reimbursement for certain home care services. Coverage varies by plan, so we recommend:

  • Confirming eligibility with your plan administrator
  • Requesting documentation to support reimbursement

Amana Assist can provide the necessary documentation to support your reimbursement request.

Shared Family Approach

Family Cost-Sharing

A Collaborative Approach to Care

Many families choose to share the cost of care among multiple family members. We can coordinate:

  • Structured billing arrangements
  • Clear service schedules aligned with contributions
  • Transparent reporting for all involved parties

Public Programs — Limited Availability

While Amana Assist operates as a private-pay provider, families may have access to limited public resources:

Medicare

Typically covers only short-term, medically necessary care — not ongoing non-medical home care.

Medi-Cal / Home Supportive Services

May provide limited assistance depending on eligibility and county guidelines. We are happy to help point you toward local resources if applicable.

Planning with Confidence

A Consultative Approach to Care Planning

Choosing care is not just a financial decision — it's a personal and family decision. At Amana Assist, we take a consultative approach to help you:

Understand Your Options

We walk through all available payment options clearly and without pressure, so you can make fully informed decisions.

Align Care with Available Resources

We design care plans that match your budget and resources while maintaining our commitment to quality and dignity.

Create a Sustainable Care Plan

We help you build a flexible, long-term care strategy that can adapt as needs — and resources — change over time.

Let's Discuss Your Care Plan

Have Questions About Payment Options?

If you have questions about payment options or how to structure care services, we're here to help guide you. Proudly serving San Diego County.

Amana Assist

Let's Connect

Our care team is keen to hear from you.