Types of Home Care Providers

Home care services play a crucial role for individuals who need support but would rather stay in their homes instead of moving to a residential care facility. The comfort of home, familiar surroundings, and proximity to loved ones can significantly enhance the quality of life for those requiring care. At Homecare Advisory Group, we are dedicated to providing invaluable home care insights and guidance.

Understanding the different types of home care providers is essential when selecting the right care for yourself or your loved ones. Here, we comprehensively breakdown the main types of home care providers so that you can make an informed decision.

  • Managed Long-Term Care Plans

    Managed Long-Term Care (MLTC) plans are tailored for individuals who hold both Medicare and Medicaid, are at least 21 years old, and require home care for an extended period, typically more than 120 days. These plans facilitate the provision of long-term care services, including home care, and operate on a fixed monthly premium received from Medicaid. Here’s an in-depth look at each type of MLTC plan:

  • Partial MLTC Plans

    Partial MLTC plans provide a foundational set of long-term care and home care services. These plans focus on in-home and community-based services rather than comprehensive healthcare needs. Services include personal care assistance, home health aide services, and adult daycare. Partial MLTC plans typically work with a network of providers and vendors to deliver these services.

  • PACE (Programs of All-Inclusive Care for the Elderly)

    PACE plans are holistic care programs aimed at individuals aged 55 and older who need a level of care typically provided in nursing homes but prefer to live independently. PACE plans cover all Medicare and Medicaid services, offering a broad spectrum of benefits, including medical care, rehabilitation services, home care, social services, and even transportation. PACE plans are particularly advantageous due to their comprehensive nature, ensuring all healthcare needs are met under a single plan. This integration simplifies care management and enhances the quality of life for the elderly.

  • MAP (Medicaid Advantage Plus)

    MAP plans combine the benefits of Medicare Advantage and Medicaid Managed Care. These plans offer a comprehensive package that includes long-term care services, home care, hospital stays, and prescription drug coverage. MAP plans are designed to streamline the care process by providing a singular plan that caters to all healthcare needs. This unification simplifies access to services and minimizes the complexity often associated with managing multiple insurance plans.

  • Certified Home Health Agencies (CHHAs)

    Certified Home Health Agencies (CHHAs) are specialized providers that offer skilled medical services directly in the home. These services are usually short-term and designed to help individuals transition from hospital stays or recover from surgeries. CHHAs deliver a range of medical services, which include:

    Skilled Nursing

    Registered nurses (RNs) visit the patient’s home to provide essential medical care. Services include wound care, administering injections, monitoring vital signs, and managing medications. Skilled nursing is crucial for patients who need medical attention but wish to avoid extended hospital stays.


    CHHAs provide therapies such as physical therapy, occupational therapy, and speech therapy. Physical therapists help patients restore mobility and strength, occupational therapists assist in regaining daily living skills, and speech therapists work on improving communication skills. These therapies are vital for patients recovering from illness or injury.

    Social Workers

    CHHAs also employ social workers who provide supportive services, including counseling and connecting patients with community resources. Social workers play a significant role in helping patients and their families navigate the complexities of the healthcare system, ensuring they receive comprehensive support.

    Home Health Aides

    Under the supervision of medical professionals, home health aides assist patients with daily living activities such as bathing, dressing, and meal preparation. They provide a crucial layer of support, enabling patients to maintain their independence while receiving the care they need.

    CHHAs can receive payments through Medicare, Medicaid, private insurance, and direct out-of-pocket payments. Notably, CHHAs have the unique ability to authorize Medicaid pending home care services. This means they can commence care services while a patient’s Medicaid application is still processing, ensuring there are no gaps in care.

  • Licensed Home Care Services Agencies (LHCSAs)

    Licensed Home Care Services Agencies (LHCSAs) offer a broad range of home care services, encompassing both medical and non-medical care. These agencies employ home attendants and, in some cases, registered nurses. Here’s an overview of services provided by LHCSAs:

    Home Attendants

    Home attendants, or home health aides, assist clients with personal care tasks that include bathing, dressing, grooming, and meal preparation. They also provide companionship, ensuring patients don’t feel isolated. Home attendants help maintain a safe living environment, monitoring clients for any potential health or safety issues.


    Certain LHCSAs employ registered nurses (RNs) and licensed practical nurses (LPNs) who provide medical care in patients’ homes. Nursing services may include medication management, wound care, and health monitoring. These services are essential for patients with medical conditions that require ongoing professional oversight.

    Flexibility in Services

    LHCSAs can work with Managed Long-Term Care plans and Certified Home Health Agencies to provide comprehensive care. They are also available for private contracts, making them a versatile option for those who may not qualify for government programs or prefer to pay out-of-pocket. LHCSAs can bill long-term care insurance directly if patients sign an “Assignment of Benefits” or “Direction to Pay.”

    Customizable Care Plans

    One of the significant advantages of LHCSAs is the ability to create customizable care plans tailored to individual needs. Whether patients require short-term assistance or long-term support, LHCSAs can develop a plan that aligns with their specific requirements.

  • Choosing the Right Home Care Provider

    Selecting the right home care provider is a crucial decision that impacts the quality of life for the care recipient. Here are steps to guide you in making the best choice:

    Assess the Needs

    Understand the medical and non-medical needs of the individual. Determine whether they require skilled nursing services, therapy, or assistance with daily living activities.

    Research Providers

    Look into different providers to understand the range of services they offer. Check their credentials, read reviews, and possibly speak to other clients or their families to gauge satisfaction with the services.

    Understand Payment Options

    Determine how the services will be financed. Some individuals may qualify for Medicare or Medicaid, while others might need to use private insurance or pay out-of-pocket. Understanding payment options will help you choose a provider that aligns with your budget.

    Interview Providers

    Speak with representatives from each type of provider to assess their service quality, approach to care, and availability. Ensure that they have experience in handling cases similar to yours or your loved ones.

    Check Compatibility

    It’s essential to ensure that the care plan aligns with the needs and preferences of the individual receiving care. Compatibility not only pertains to the type of services provided but also to the caregiver’s personality and approach to delivering care.

  • Making Home Care Affordable

    Home care services can be expensive, but several options can help manage the costs:

    Medicare and Medicaid

    Government programs like Medicare and Medicaid can cover many home care services for eligible individuals. It’s crucial to understand what services are covered and ensure that you use a provider who accepts these programs to avoid unexpected expenses.

    Long-Term Care Insurance

    This type of insurance specifically covers long-term care services, including home care. If you have long-term care insurance, look for providers who accept and can directly bill your insurance company.

    Veterans Benefits

    Veterans may be eligible for home care benefits through the Veterans Affairs (VA) program. Check with the VA to understand your options and ensure you receive all the benefits you’re entitled to.

    Private Pay

    If you do not qualify for government programs or insurance doesn’t cover all costs, you may need to pay out-of-pocket. When paying privately, it’s worth negotiating with home care providers for the best rates and perhaps looking into financial assistance programs or payment plans they may offer.

    Community and Non-Profit Resources

    There are various community programs and non-profit organizations that offer assistance for home care services. These resources can provide financial help, equipment, and additional support services at little or no cost.

  • Understanding the different types of home care providers

    Understanding the different types of home care providers—Managed Long-Term Care plans, Certified Home Health Agencies, and Licensed Home Care Services Agencies—is essential in making an informed decision about the best care for yourself or your loved ones. Each provider offers unique benefits designed to cater to different needs, making it crucial to assess the specifics and choose a provider that best aligns with your requirements.

    When making this significant choice, consider the medical and non-medical needs, research potential providers, understand payment options, and conduct thorough interviews to ensure compatibility. At Homecare Advisory Group, our home care agency in NY strives to assist you every step of the way, providing valuable insights and guiding you through the selection process. 

    Your well-being and peace of mind are our top priorities. For further assistance, don’t hesitate to contact us. With the right information and support, you can ensure a high quality of care at home for yourself or your loved ones.