When families begin exploring home care options, one of the first questions that comes up is: “How much will it cost—and will insurance help?”
At All At Home Care, we believe families deserve honest, straightforward answers. Let’s break down what affects the cost of home care in Jacksonville, what insurance may cover, and how to find a plan that fits your loved one’s needs and budget.
What Determines the Cost of Home Care?
The cost of home care can vary depending on several key factors:
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Type of care needed: Basic companionship differs from skilled nursing or medical support.
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Hours of care: Hourly rates are lower for part-time care and increase with 24-hour or live-in support.
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Level of training required: Complex care (wound care, dementia support, etc.) often involves specialized caregivers.
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Location and agency structure: Local, family-owned agencies like ours typically provide more personalized plans and flexible pricing.
Every family’s situation is unique, which is why we provide customized assessments to help estimate exact costs.
Does Insurance Cover Home Care in Jacksonville?
Coverage depends on the type of insurance and the nature of care provided. Here’s a quick overview of common options:
1. Medicare
Medicare generally covers short-term, medically necessary home health care, such as wound treatment or post-hospital recovery, when prescribed by a doctor.
However, it usually does not cover non-medical personal care (like bathing, meals, or companionship) unless part of a skilled nursing plan.
2. Medicaid
In Florida, Medicaid offers limited home care assistance under specific programs. Eligibility depends on income, medical need, and whether the client qualifies for long-term care waivers.
Our care coordinators can guide you through available options in Duval County.
3. Private Health Insurance
Some private insurers reimburse part of home care costs—especially for post-surgical or chronic condition care—though coverage details vary.
4. Long-Term Care Insurance
This is the most flexible option for covering ongoing non-medical care. Policies often include in-home assistance for daily living tasks.
If your loved one holds a long-term care policy, we can help you navigate benefits and billing.
Ways to Make Home Care More Affordable
Even when insurance doesn’t fully cover the cost, there are practical ways to make care accessible:
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Flexible scheduling: Start with part-time or hourly care and scale as needed.
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Veterans’ programs: Eligible veterans may receive home care benefits through the VA.
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Tax deductions: Some families can claim care expenses as medical deductions.
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Family cost-sharing: Splitting costs among family members can make care more manageable.
Our goal is to create care plans that balance quality, affordability, and family peace of mind.
Why Families in Jacksonville Trust All At Home Care
As a family-owned and locally operated agency, we believe transparency builds trust. We take time to explain all costs upfront—no hidden fees, no surprises.
Families choose us because we offer:
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Flexible, customizable care packages
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Support with insurance paperwork and claims
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Licensed, compassionate caregivers
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24/7 coordination and ongoing communication
Learn more about our mission and values on our About Us page.
Schedule a Free In-Home Consultation
Still unsure what your loved one’s care might cost? Let’s talk.
We’ll review your needs, explore insurance coverage, and provide a clear, written estimate with no obligation.
📞 Book a free in-home consultation today — our Jacksonville care team is here to help you make the best decision for your family.
FAQ Schema
Q: Does Medicare pay for in-home care in Jacksonville?
A: Medicare covers skilled care prescribed by a doctor, but not long-term personal care. We’ll help you explore alternative funding options.*
Q: How much does home care typically cost in Jacksonville?
A: Costs depend on hours, type of care, and level of support. Most families spend less than assisted living for the same level of personalized care.*
Q: Do you help with insurance paperwork?
A: Yes. Our team assists with verifying benefits, submitting claims, and coordinating with insurers.*