Navigating Home Care Costs in Alberta: How to Pay for Home Care Services

As the population in Alberta ages, the demand for home care services continues to rise. Whether you or your loved one requires assistance with daily activities, companionship, or specialized care, it's essential to understand how to finance these crucial services.

1. Alberta Health Services (AHS) Home Care

In Alberta, home care services are available through Alberta Health Services (AHS). AHS provides services to eligible individuals at no cost. Eligibility for AHS home care services is determined through an assessment process. Individuals are assessed based on their needs and the results determine the level and type of care provided. You can make a self referral or refer a loved one by calling Community Care Access in your AHS Zone.

2. Self-Financing

For those who do not qualify for AHS home care or require additional services beyond what AHS provides, self-financing is an option. This means individuals or their families pay for home care services out of their own pockets. The cost can vary depending on the level of care required, the number of hours of care, and the specific services provided. Read our blog about Financially Preparing for Aging: Budgeting for Home Care Services.

3. Private Insurance

Some individuals may have private insurance plans that cover home care services. These plans can help offset the costs of home care, but coverage varies widely, so it's essential to check with your insurance provider to understand what services are covered and the extent of coverage. Major insurance providers in Canada include Blue Cross, Manulife, Sunlife, Desjardins and Canada Life.

4. Alberta Seniors Benefits (ASB)

The Alberta Seniors Benefits program offers financial assistance to low- to moderate-income seniors to help cover the costs of various expenses, including respite care and housekeeping. Eligibility is based on income, and the program can provide monthly benefits to offset some of the costs associated with home care.

5. Assured Income for the Severely Handicapped (AISH)

The Assured Income for the Severely Handicapped program is designed to support individuals with disabilities, including home care needs. AISH provides financial assistance to eligible individuals to help cover the costs of essential services, including home care.

6. Veterans' Affairs Canada

Canadian Armed Forces veterans may be eligible for home care services through Veterans' Affairs Canada. The department provides a range of programs and services to support veterans, including access to home care services.

7. Home Care Agencies

In some cases, individuals may be able to access home care services through government-funding, such as with the AHS Client Directed Home Care Invoicing Program (CDHCI) and Self-Managed Care program. Compassion Network Home Care is a reputable home care agency through the CDHCI program.

Home care services in Alberta are essential for individuals who wish to age in place, maintain their independence, and receive the support they need. Understanding the various payment options and programs available is crucial for making informed decisions about financing these services.

Whether you qualify for AHS home care, have private insurance, or are eligible for government assistance programs, the goal is to ensure that you or your loved one receives the care required to live a fulfilling and comfortable life at home.

Get in touch with Compassion Network Home Care to learn about how we can support your home care needs.