One of the first questions families across Louisville ask us — from the Highlands and St. Matthews to Jeffersontown and Valley Station — is also the hardest to find a straight answer to: how do we actually pay for this? Here’s a plain-English guide to what non-medical home care costs in the Louisville area and the programs that may help cover it.
How much does home care cost in Louisville?
Non-medical home care in the Louisville area is billed by the hour, and the rate depends on the level of care and the schedule you set. Many families start with a few hours a day and adjust from there, which keeps care affordable while still covering the times of day when help matters most. Our in-home senior care page breaks down what those hours can include.
Does Medicare pay for home care?
This is the most common misunderstanding. Medicare generally does not pay for non-medical home care — the personal care, companionship, and help with daily living that most families are looking for. Medicare only covers skilled home health (like nursing or physical therapy) for a limited time and under specific conditions; you can see exactly what it does and doesn’t cover on the official Medicare home health page. Since CareBuilders at Home provides non-medical care, it isn’t billed to Medicare.
Can Medicaid help pay for in-home care in Kentucky?
Yes — for those who qualify. Kentucky Medicaid’s Home and Community Based (HCB) waiver can help cover personal care and attendant services for eligible seniors, so they can receive care at home instead of in a facility. Eligibility is based on both financial and care-need criteria.
What if my parent isn’t eligible for Medicaid?
Kentucky also runs a Homecare Program for older adults who don’t qualify for Medicaid but still need help to stay at home. In the Louisville area, it’s coordinated through your regional Area Agency on Aging, KIPDA, along with the Louisville Metro Office for Aging & Disabled Citizens — both of which can also connect families with meals, transportation, and benefits counseling.
Are there benefits for veterans?
Yes. Veterans and surviving spouses may qualify for the VA Aid & Attendance benefit, which provides additional monthly income that can be put toward in-home care. It’s often underused simply because families don’t know it exists.
Other ways families pay
- Long-term care insurance — many policies cover non-medical home care; check the policy details.
- Private pay — the most flexible option, with no eligibility requirements.
- A combination — many Louisville families blend private pay with a waiver or VA benefit.
Not sure where to start?
Figuring out funding is often the hardest part. During a free in-home assessment, we’ll talk through your loved one’s needs — anywhere across Louisville and Jefferson County, including the Highlands (40204, 40205), St. Matthews (40207), Middletown (40245), and Jeffersontown (40299) — and point you toward the programs that may fit your situation.
Call (502) 458-2273 or request a free assessment today.
