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How to Pay for Home Care in NY Without Waiting on Medicaid

Medicaid approval can take time, and your loved one may need help now. Here are the common ways families pay for care.

  • NYS DOH-licensed agency (LHCSA #2524L001)
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  • Most insurance accepted
  • Care can start in days

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Diva Multicare Services Inc. · Updated September 2026 · General information only

1. Private pay

You pay the agency directly. Because there is no insurer authorization step, care can often start within days, and you choose the hours. Learn more about private pay home care.

2. Health insurance and managed care

Some plans cover certain home care services, usually when a clinician orders them. What is covered, and for how long, depends on your specific plan. Ask your insurer, or have us check with you on our insurance page.

3. Medicaid and Medicare

Programs have their own eligibility rules and approval steps, and hours are set by the program. Medicare generally covers limited, short-term home health tied to a medical need, not ongoing daily help. Confirm details with the program directly.

4. Combining them

A common approach is to start with private pay hours right away, then add insurance or program hours once they are approved, or keep private hours for nights and weekends.

5. Work-related injury coverage

If care is needed because of a work injury, Workers Compensation or NYSIF may apply. We accept both.

This is a general overview, not legal, financial or medical advice. Rules change. Verify with your plan or program before deciding. Call 718-775-6346 and we will help you sort out options.

Frequently asked questions

Can I start care before Medicaid is approved?

Many families use private pay to start care right away and add program hours later. Call us to talk through your situation.

Does Medicare pay for ongoing home care?

Medicare generally covers limited home health tied to a medical need. It typically does not cover ongoing daily personal care. Confirm with Medicare or your plan.

How much does private pay cost?

It depends on the service, hours and schedule. Call 718-775-6346 for current rates.

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