Paying for Care,
Simplified
VCA accepts most major payment options and walks families through the paperwork. You're not alone in figuring this out.
Flexible Payment Options
Most families use a combination. We help you find the best fit for your situation.
Delaware Medicaid / DSAAPD Waiver
We are an approved provider for Delaware Medicaid home-care waiver programs under the Division of Services for Aging and Adults with Physical Disabilities.
Long-Term Care Insurance
VCA works with most LTC policies. We verify benefits, handle authorizations, and bill your carrier directly so you focus on your loved one.
VA Benefits
Veterans and surviving spouses may qualify for Aid & Attendance, Housebound benefits, or Veteran-Directed Care. We help connect you to veteran service officers.
Private Pay
Straightforward weekly billing, clear hourly rates, and no hidden fees. We can also accept HSA/FSA cards when care qualifies as a medical expense.
We Handle the Paperwork
From eligibility through monthly billing — our team walks beside you.
Eligibility Check
We review your situation and identify every program you qualify for — Medicaid, LTC, VA, or a mix.
Benefit Verification
We call your carrier or DSAAPD for you, confirm coverage, and translate the fine print into plain English.
Applications & Authorizations
We help complete forms, gather physician documentation, and submit for approval.
Billing & Claims
We bill carriers directly, submit claims, track payments, and keep you informed at every step.
Payment FAQ
Does Medicare cover in-home care?
Medicare generally does not cover long-term non-medical home care. It may briefly cover skilled home health (nurse / therapist) after a hospital stay. We can explain the distinction during your consultation.
How do I know if I qualify for Medicaid waiver?
We walk you through the DE Medicaid waiver screening — financial and functional criteria. It's often more accessible than families realize. Call us for a no-cost review.
Can I use my HSA or FSA for care?
When care is for medical reasons (dementia, post-surgical, ADL assistance), portions may qualify as medical expenses under IRS rules. We provide itemized statements for your accountant.
What happens if my LTC benefits run out?
We'll help you transition to another payer — often Medicaid or private pay — with no disruption in care. We plan well ahead of any benefit exhaustion.
Let's figure out the best option for your family.
Free benefit review + cost walkthrough during your consultation.