Ways to Pay for Your Care
We believe heart-centered care should be accessible. Our team helps you navigate Minnesota programs and insurance to find the right path for your family.
Funding Pathways
Minnesota programs and insurance types we coordinate
Navigator Support
Help understanding your options at no cost to you
Transition Care
Focus on keeping your care continuous during PCA to CFSS
Making Quality Support Accessible
We work hand-in-hand with you to navigate Minnesota’s long-term care systems and find the best fit for your budget.
Minnesota Waiver Programs & CFSS
State-funded support for eligible seniors and individuals with disabilities through EW, AC, and CFSS.
- Elderly Waiver (EW)
- Alternative Care (AC)
- CFSS (Transitioning from PCA)
- CADI & Disability Waivers
Long-Term Care Insurance
Private insurance policies designed to cover professional care expenses at home.
- Benefits verification
- Claims documentation
- Insurance carrier coordination
- Policy benefit guidance
Private Pay Options
Directly funded care services with maximum flexibility and immediate start times.
- No waiting periods
- Tailored care schedules
- Simple direct billing
- No program restrictions
Understanding the
MnCHOICES Assessment
The first step to accessing state-funded care in Minnesota is the MnCHOICES assessment. This is a free evaluation performed by a county specialist to determine your eligibility for waivers:
What it is
A comprehensive assessment of your health, daily needs, and support preferences.
How to get it
You or your family can request an assessment directly from your local county social services.
Our role
We can help you prepare for the assessment by documenting your current support needs.
Transitioning from PCA to CFSS
Minnesota is replacing Personal Care Assistance (PCA) with Community First Services and Supports (CFSS) to give you more choice and control. Our team is fully prepared to guide your family through this transition at your next reassessment, ensuring your care remains uninterrupted.
Common Questions
About Paying for Care
Paying for home care is a major decision. We want to clear up common misunderstandings so you can make the best choice for your family.
Personalized Support,
Clear & Fair Rates
We believe in upfront conversations about costs. Whether you are using a waiver or paying directly, we provide a clear estimate before any care begins.
Transparent Hourly Rates
Simple, competitive rates for all levels of support.
No Hidden Costs
Everything is outlined in your support plan, with no surprises.
Direct Carrier Coordination
We handle the billing and paperwork for your insurance and waivers.
Supporting Every Family
We help you explore all available community resources to ensure care is never out of reach.
Veterans Benefits
Support for veterans and spouses through VA programs.
Workers' Comp
Support for injuries requiring help at home.
MnCHOICES
The pathway to Minnesota waiver eligibility.
Care Navigator
Our free service to help you find the right path.
Find Your Path to Better Care
Our team is ready to help you navigate your options with empathy and expertise. Reach out today for a warm, no-pressure cost consultation.
Free, no-pressure care consultations