How do clients usually pay for APs live-in services?
Generally the services are considered private pay. Clients requiring 24/7 care pay with their own funds, a month in advance. The care is not covered by health insurance, Medicaid or Medicare. Clients who own long term care insurance policies may be reimbursed based on their daily benefit. These policies differ with regard to the percentage of the daily benefit they will pay. Depending on the policy structure, they may receive between 50% and 100% of the daily benefit for non-medical or non-professional care. AP’s services fall into this category.
