Funding options to save you money

How Do I Pay?

We are here to provide solutions

We understand that this is one of the first questions you will ask. We are prepared to explain how home care funding works. More importantly, we are prepared to help you determine all of your potential funding options. From there, we qualify you for every eligible source before you pay out-of-pocket.
We accept Any Funding. This means government funding (Medicare, MO Medicaid and VA), insurance (health, long-term care and worker’s compensation), and self-pay. So when you call our Intake Nurse, we are more prepared than other home care companies to help you and your aging parent with their home care needs.
Being able to accept any funding also means that we can help your aging loved one if their needs change. Some home care companies only accept Medicare or Private (self-pay) Services only. Medicare is primarily short-term nursing and therapy services, and Private Services is primarily caregiver services. If your aging loved one needs both types of care, Cooperative Home Care can provide them both
seamlessly. Choosing a home care company that does not accept Any Funding means you may have to work with two or more different home care companies at the same time, adding cost and stress, while diminishing positive outcomes.

home care payment options



If you are over 65 or older, you qualify for Medicare. Many people incorrectly think that Medicare will pay for all of their health care needs when they are older, but this is not necessarily true. When it comes to home health care, Medicare will only pay for skilled-type services. These are services that can only be provided by a skilled, licensed clinician like a nurse or a therapist.

If you have been hospitalized, and still have the potential to improve as you are discharged home, your doctor may prescribe a home health care assessment. Many hospitals have their own home care company but you can choose any company as your home care provider. Within a day of returning home, a nurse or physical therapist will come to your home to complete an assessment of your needs. This information is submitted to your doctor and he/she will approve services appropriate for your needs. For example, if you need nursing care, a nurse may visit you two or three times per week. Your home health care nurse may also educate you or a family member about how you can begin to perform your own nursing care (as appropriate). Every Medicare approval period, or “episode”, lasts about 30-60 days, as long as you are working hard and making progress. You may even be approved for an additional days if needed. If you get better sooner, or no longer need this specialized assistance, your services will be discontinued. Aside from hospitalization, other common reasons one begins receiving Medicare home health care is if they have a new diagnosis, or if their condition has suddenly declined.

Other services available during your episode(s), depending on your health care needs, may be physical therapy visits to help you regain your strength and mobility, or a social worker to help you access community resources, or an occupational therapist to ensure you can perform all of your own self-care safely. You may even qualify for a few Home Health Aide visits. Your Home Health Aide can help you bathe until you can do so on your own or with help from a trained family member. None of your clinicians can help you with ongoing safety and supervision, or to do your laundry (for example) if you cannot go up and down steps when you return home; Medicare pays for skilled services only.

Medicare will pay 100% for the services described above if you qualify. If you need a walker to move around safely Medicare may only pay 80%, so you’ll have to pay the remaining 20% out-of-pocket or through a supplemental insurance if you have one.

Our, ‘Do I Qualify for Medicare Home Health Care?’ checklist is a helpful tool for understanding if Medicare home health care is an option for you:

Do I qualify for Medicare Home Health Care?

Medicare home health care solutions are for clients for whom it is a taxing effort to leave home, who have had a recent decline in condition, and need skilled nursing or therapies to get better. It is NOT long-term care. Our Medicare services include skilled nursing, physical, occupational and speech therapies, social worker services and Home Health Aides (for baths only).

What are the Warning Signs you or your loved one needs help?

Problems Taking Medication Correctly
Supervision needed
Decline in health
Missing meals
Missing appointments
New diagnosis (such as CHF, COPD, or diabetes)
Won’t leave home
Poor hygiene
Concerns about safety
Planned hospitalization or surgery (knee or hip replacement, bypass, etc.)

To qualify for Medicare home health care, you:

Must be Medicare-eligible (65+, disabled or kidney disease)
Must need skilled nursing and/or therapy
Must have potential to improve as a result of care
Must be under a physician’s care
Must be homebound, which means:

Unable to leave home w/o assistance
Away from home only for short intervals
Any absence requires a taxing effort

Patients can attend religious services, go to healthcare appointments and grooming appointments

If you checked any Warning Sign(s), and all of the qualifiers, please call Cooperative Home Care to get started!

MO Medicaid CDS & In-home

Unlike Medicare, you must qualify financially for Medicaid. Another way to remember this is that Medicare is a federal program designed primarily for seniors, while Medicaid is managed state by state and is designed for individuals with very low incomes and/or disabilities. First, one must qualify financially by earning approximately $1000 or less/month as an individual, or $2000 or less/month for a family. To receive in-home services through Medicaid, one must also qualify by needing assistance with some of their activities of daily living like bathing, dressing, going to the bathroom and/or walking. To enroll in Consumer Directed Services (“CDS”), you must also be able to train, direct, and employ your own caregiver-with help from us. There is an approval process that takes approximately 30 days from the time you apply for in-home services/CDS. Cooperative helps clients who are new to the in-home services/CDS program as well as clients who have received these services for many years. If you are receiving Medicaid in-home services/CDS and you also qualify for Medicare, then if you are hospitalized you may receive Medicare home health care to help you regain your strength and improve as much as possible before resuming your Medicaid in-home care/CDS to maintain your current independence level at home.

Private Services (Self Pay)

After examining every other funding option: Medicare, Medicaid, VA, Medical Insurance, Long-Term Care Insurance, Worker’s Compensation and Reduced Fee Programs, clients may pay out-of-pocket for some or all of their home care solutions.

Now, you’ve got the basics of home care funding. When you’re ready, call our Intake Nurse for information on how to pay for home care specifically tailored to your aging parent’s needs.

Veterans Affairs

The Department of Veterans Affairs pays for two main types of home care. The first is Fee-based services and the second is through the Aide and Attendance pension. If you are a veteran who was active duty status for at least one day during which our country was officially at war, you may qualify for this pension which reimburses you for part of your home care expenses.

Health Insurance

Your health insurance policy may pay for skilled services prescribed by your physician, similar to Medicare. If you have medical insurance and Medicare, your insurance must pay before Medicare may pay any remaining portion.

Long-term Care Insurance

One may elect to enroll as early as when he or she is in their 40s, paying a monthly premium. Policies vary greatly from the cost of monthly premiums, to the amount of paperwork required to access benefits, to approved services (including skilled care, assisted living, caregiver visits or a combination). One big challenge is to accurately choose the policy appropriate for your anticipated long term needs.

If you have long-term care insurance, we will help you understand and access your benefits.

Worker's Compensation Insurance

This insurance will pay for your medical needs as a result of a work-related accident or injury. Cooperative offers a specialized Worker’s Compensation Program.

Reduced Fee

Cooperative Home Care works with United Way-affiliated organizations as a Reduced Fee Program provider. These programs helps qualified individuals “pay what they can afford” per hour for home care. One must meet financial and clinical qualifications; there may be a waiting list to receive care.

St Louis home care reviews

See why so many St. Louis families choose Cooperative Home Care

Cooperative Home Care is the only family-owned home care company that says “Yes!” first to any age, funding, amount of care, and service since 1986. Our over-arching message to SERVE ONE MORE applies to our employees, and our clients and their families. We will do everything possible to keep you safe and independent in your own home.

The Benefits of St. Louis Home Care

Enjoy best-in-class care at home with our quality guarantee

Faithfully serving clients for 38 years

Our reputation with the thousands of happy client's and families we've care for over the years speaks for itself.

We provide any amount of care to accommodate any schedule

Do you need a quick visit, hourly care, or around-the-clock care? No matter your schedule, we've got you covered.

Comprehensive services for any need

Whether you need skilled medical services, therapy, dementia care, companion care, or even pediatric care, we've got it all.

We provide care for all ages

From children to seniors and all ages in between, we provide the support you need.

senior with home care in St. Louis Metro Area

We'll work to qualify you for funding to minimize your out-of-pocket cost

We help you qualify for and access all of your existing benefits. Only then, if needed, do you pay out-of-pocket for our home health plans.

Specialized Dementia Home Care

Our certified dementia practitioners are accredited through the National Council of Certified Dementia Practitioners.

Fast response time

When you need nurses, caregivers, or therapists, we act immediately to provide the support you need.

Compatible caregivers

If you don't love and bond with your caregiver, we'll send a new one that meets your personal care needs.

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Get Started With St. Louis Home Care

3 simple steps to independence for seniors and peace of mind for you

Step 01
Step 01

Call (314) 789-3848

Call our office to speak with our friendly staff and get all of your questions answered.

Step 2
Step 2

Schedule a FREE, in-home care assessment

We'll review your care needs, schedule, hobbies, and personality to craft a care plan unique to you in St. louis area.

Step 03
Step 03

Get matched with a compatible caregiver

Thrive at home with a compatible MO caregiver you love.

Don't wait until it's too late! Call now to schedule a FREE, no-obligation, in-home consultation

After our assessment, we will create a customized, holistic care plan tailored to your needs, schedule, hobbies, and personal choices.

Contact St. Louis Home Care

Contact Us Today

Call us at (314) 789-3848, or fill out this simple form to schedule a call.

St. Louis Headquarters

St. Louis Office

1924 Marconi Ave,
St. Louis, MO 63110, USA

(314) 789-3848

Cooperative Home Care Service Locations

Cooperative Home Care proudly services:

Counties: St. Louis County, Franklin County, Jefferson County, St. Clair County, St. Charles County, Lincoln County, Warren County, Randolph County, Monroe County, Washington County, and Clinton County.

Cities: St. Louis, Greater St. Louis, East St Louis, Clayton, Chesterfield, Town and Country, Brentwood, Florissant, Glendale, Kirkwood, Rock Hill, Creve Coeur, Fairview Heights, Belleville, Swansea, Granite City, Edwardsville, Glen, Carbon, O'Fallon, Maryville, Alorton, and Lebanon.

Additional Office Locations

Jefferson County Office

1006 N. Truman Blvd. #A
Crystal City, MO 63019


St. Charles County Office

Crossroads Business Center
801 S. Woodlawn Avenue, Suite 21
O’Fallon, MO 63366


Franklin County Office

104 S. McKinley Avenue, Suite D
Union, MO 63084


Fairview Heights, IL Office

107 Lanaghan Drive
Fairview Heights, IL 62208

(314) 936-4373

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