Financing Long-Term Care

• Missouri Long-Term Care Laws
• Paying for Long-Term Care

As long-term care costs rapidly increase, financing long-term care can be a complex process. It’s important to understand what you may encounter to ensure your loved ones receive the best level of care.  

Care at Home or Long-Term Care Community? 

Care at Home means that your loved ones will receive a wide array of services at home, without leaving home or having to reside in a long-term care community. Services may include some medical care. Others might include non-medical supportive services or physical changes to the home to accommodate for aging or disability challenges. Here is more information about the services provided under the Care at Home program. 

Although Medicaid pays for Care at Home, not everybody is eligible for Care at Home. Unfortunately, it’s not even guaranteed for all individuals who are eligible to receive assistance. Find here the eligibility criteria.  

Financing Long-Term Care

• Long-term Care Insurance: Prepare yourself for the future. Long-term care insurance policies can reimburse you for care at home and long-term care facilities. 
• Medicare in Missouri: Under Senior and Disability Services, individuals can get financial benefits such as short-term rehabilitative care payments and prescription drugs.   
• Medicaid in Missouri: MO HealthNet in Missouri helps groups of low-income Missourians, including older adults and people with disabilities, to get benefits for their care at home or institutional care. 
• VA Benefits: If you are a MO veteran, you could have benefits, including healthcare, tax breaks/exemption, and recreation. Please contact Veteran’s Care Coordination (855-380-4400) or Veteran’s Administration (314-652-4100) to discuss assistance options for home and community-based services and long-term care community benefits. 
• Respite funds: Local Area Agency on Aging provides various assistance to older adults and family caregivers. Check out the region map and call your local chapter to ask for further information.