Most people want to age at home — with dignity, surrounded by family. Learn how an affordable home health care plan protects your independence and your assets, without Medicaid taking everything you've worked for.
Most families don't discover the true cost of Medicaid long-term care until it's too late. Here's what you need to know before you or a loved one needs care.
You must spend down nearly everything first. Medicaid only kicks in after you've exhausted your savings, assets, and resources down to very low thresholds — as little as $2,000 in some states.
Estate Recovery is real. After you pass, the state can file a claim against your home, property, and estate to recover what Medicaid paid. Your family could lose the house.
You don't choose your care. Medicaid dictates who provides your care, where, and how much. Your preferences come last.
Medicare doesn't cover long-term care. Medicare covers short-term skilled nursing after a hospital stay — not the ongoing home care most people actually need.
The wait lists are growing. Medicaid-approved home health providers are increasingly overwhelmed, leaving families scrambling for care when they need it most.
An illness, injury, or age-related condition requires ongoing home care or nursing assistance.
You use your savings, retirement accounts, and liquid assets to pay for care. Home health aides average $25–$35/hour. Costs add up fast.
After spending down to near-poverty level ($2,000 countable assets in many states), Medicaid steps in to cover remaining costs.
Through Medicaid Estate Recovery, the state files a claim against your estate to recoup what it paid. Your home, which may have been exempt during your lifetime, can be claimed after your death.
Heirs may be forced to sell the family home to satisfy the state's claim. A lifetime of savings — gone.
Average lifetime Medicaid long-term care cost the state can attempt to recover from your estate
Study after study confirms the same thing: given the choice, an overwhelming majority of Americans want to receive care at home — close to family, in familiar surroundings, on their own terms.
Home environments reduce anxiety, improve recovery outcomes, and support mental wellbeing in ways that clinical settings simply can't replicate.
Staying home means staying close to the people who matter most. Our plan even allows benefits for care provided by family members and loved ones.
Choose who provides your care, when, and how. Home care puts you in charge of your own health journey — not a facility administrator.
With daily benefits up to $450, your plan pays you directly — covering care costs while keeping your savings and estate intact for your family.
Physical therapy, occupational therapy, speech pathology — all covered at home. Heal faster, stay stronger, and return to independence sooner.
"Nobody plans to need care. But everyone deserves to receive it at home — with dignity, without bankrupting their family."— The Home Health Care Enhanced Promise
of Americans over 65 want to age in their own home — yet most have no plan to pay for it
Home Health Care Enhanced covers the full spectrum of skilled and supportive care — delivered where you want it most.
Registered or licensed practical nurses providing wound care, medication management, health monitoring, and more — in your home.
Up to $200/dayRecover strength and mobility after surgery, injury, or illness with licensed physical therapists coming to you.
Up to $200/dayExpert speech therapy for communication, swallowing, and cognitive recovery — on your schedule, at home.
Up to $200/dayRegain the ability to perform daily activities independently with certified occupational therapists.
Up to $200/dayPersonal care assistance from certified aides — including, in many states, a family member, neighbor, or friend you already trust.
Up to $150/dayDaily care from unlicensed family or friends who step in to help — covered up to a generous lifetime maximum.
Up to $75/dayCoverage for both generic and brand-name prescriptions on 30- or 90-day supplies. Available in most states.
Up to $900/yearEmergency and inter-facility transport covered at $200 per trip, up to 4 trips per year.
Up to $2,500 lifetimeFinancial protection for fractures, dislocations, and accidental injury — with benefits up to $2,500 per covered event.
Up to $10,000 lifetimeAffordable coverage for every budget. Guaranteed renewable for life. Simple underwriting. No tricks.
The comparison speaks for itself. One protects your assets. The other takes them.
| Medicaid LTC | Home Health Care Enhanced | |
|---|---|---|
| Asset Requirement | ❌ Must spend down to ~$2,000 first | ✅ No spend-down required |
| Your Home After Death | ❌ State can claim via Estate Recovery | ✅ Your estate stays with your family |
| Who Provides Your Care | ❌ Whoever Medicaid approves | ✅ You choose — including family members |
| Coverage at Home | ❌ Limited, often requires facility care | ✅ Designed specifically for home care |
| Application Process | ❌ Complex, invasive financial review | ✅ Simple underwriting, fast approval |
| Prescription Benefits | ❌ Varies widely, often limited | ✅ Covered — generic & brand name |
| Family Care Benefit | ❌ Typically not allowed | ✅ Homemaker services for family caregivers |
| Coverage Renewal | ❌ Subject to program changes & cuts | ✅ Guaranteed renewable for life |
| Dignity & Privacy | ❌ Government-managed, means-tested | ✅ Private plan, your terms |
A licensed agent in your state will reach out within one business day to walk you through your options — no jargon, no pressure, just real answers.
Takes less than 2 minutes. No commitment required.
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