Private pay
Most families pay for non-medical home care directly, often sharing the cost among siblings. You pay only for the hours in your care plan, and we give you a written quote before care starts.
How families pay for home care
Most families use a mix of sources. Here's a plain-language guide to each option in California, and how we can help you use them.
Long-term care insurance
Most long-term care policies cover in-home help with daily activities. Check the policy's daily or monthly benefit, the elimination (waiting) period, and whether it requires a licensed agency. We're a California-licensed Home Care Organization and can provide the care plan and records insurers usually ask for.
VA pension with Aid and Attendance
Wartime veterans and surviving spouses who need help with daily activities may qualify for extra monthly pension income. 2026 maximums: $29,093 a year (about $2,424 a month) for a veteran with no dependents, $34,488 a year (about $2,874 a month) with a spouse. The payment is the maximum minus countable income, and ongoing care costs can reduce countable income.
Veterans care & eligibilityMedi-Cal and IHSS
Medi-Cal's In-Home Supportive Services (IHSS) program pays an individual caregiver for approved hours; it doesn't pay agencies in Orange County. Many families use IHSS hours and add private hours with us for evenings, weekends, backup coverage or anything beyond the county's authorization. Apply through your county social services agency.
Orange County IHSSMedicare
Medicare doesn't pay for ongoing non-medical care such as bathing, meals or companionship. It does cover short-term skilled home health and hospice when medical criteria are met, and many families pair those services with private home care.
Medicare home health coverageHome equity and other assets
Some homeowners 62 and older use a reverse mortgage or home equity line to pay for care at home. Talk with a HUD-approved counselor and your financial advisor first. Life insurance policies with long-term care riders or accelerated benefits may also help.
HUD reverse mortgage counselingTax benefits
Care costs for a parent you support may qualify for a dependent care account or medical expense deduction. Ask your tax professional what applies to your family.
This page is general information, not legal, tax or financial advice. Benefit rules and amounts change; confirm details with the program or a qualified advisor. VA rates shown are effective December 1, 2025.
Common questions about cost
Is there a cost for the in-home assessment?
No. It's complimentary, with no cost and no obligation. We'll visit, learn about your loved one, and give you a written care plan and quote.
Does Medicare pay for home care?
Not for ongoing non-medical care. Medicare covers short-term skilled home health and hospice when criteria are met.
Can we use VA benefits with Felt Home Care?
Yes. VA pension income with Aid and Attendance is paid to the veteran or surviving spouse, who can use it for care from us.
Can we combine IHSS with private care?
Yes. Many families use their IHSS hours and add private hours with us to cover the rest of the week.
Current clients
Already with Felt Home Care?
Pay your invoice online or reach your care team.
Complimentary in-home assessment
Let's talk about what your family needs.
One call gets you a care coordinator, not a call center. We'll listen, answer your questions, and set up a complimentary visit to build a care plan.
(714) 770-0608Request your complimentary in-home assessment
Tell us a little about your situation. A care coordinator will call you back.