Paying For Care and Services

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Paying for care and services can be challenging. While some services may be covered by insurance, many are not. When your insurance falls short, you'll need to explore other options to cover your expenses. Here are some potential sources of funding for long-term care:

  • Private Health Insurance: Check with your insurance provider to understand your coverage for long-term services, as it varies.

  • Medicare: Covers individuals aged 65 and older, and those receiving Social Security disability benefits for at least two years. It may also assist with some long-term care costs. Visit www.medicare.gov for details.

  • Medicaid: Designed for individuals with low to average income and limited resources. Contact the Genesee County Department of Social Services for more information. Visit www.health.state.ny.us/health_care/medicaid/ for details.

  • Health Maintenance Organizations (HMOs): Check with your HMO regarding coverage options for long-term care services.

  • Long Term Care Insurance: Policies vary; check your insurance terms for coverage specifics.

  • Veterans Benefits: Eligibility and benefits information available at www.va.gov/health/ or the Genesee County Veterans Office website.

  • Older Americans Act Funding and New York State Office for the Aging Programs: Fund some in-home services. Contact the Genesee County Office for the Aging for more information.

  • Social Security Disability: Provides financial assistance to eligible individuals. Visit www.ssa.gov/disability/ for details.

Each agency listed on our website can provide information about funding sources available for their services.

NY Connects of Genesee County offers financial screenings to determine suitable funding programs for you. Contact them at (585) 343-1611.

Common Payment Methods

Private Pay: Includes personal income from employment, pensions, Social Security, and personal savings such as bank accounts, IRAs, and CDs.

For more information on different housing options and community-based services for older or disabled individuals, please refer to the Frequently Asked Questions section.

When you're unsure about what to do or where to turn, call NY Connects of Genesee County/Office for the Aging at (585) 343-1611 for assistance.

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