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Private Pay

Private Pay

WellHome offers private pay solutions that give our clients the highest level of service and flexibility to perfectly suit their schedule, surroundings, and needs.  By paying with personal funds, clients receive not just the full range services we normally provide, but anything they need or want specific to their circumstances.  Private pay can also help cover additional care services by supplementing the limited services offered by other funding sources like Medicaid or Medicare.  Whether you choose long term services or care on a temporary basis, we can work with our clients’ doctors, family, and friends to tailor a care plan unique to you or your loved one.

Extra Benefits and the WellHome Whole-Person Approach ©

The health and well-being of an individual needs to account for far more than a simple list of their physical needs and routine chores.  WellHome is committed to doing everything we can to improve the lives of our clients, so we developed the WellHome Whole-Person Approach ©. This is an assessment done by a Registered Nurse that takes everything about the client and his or her environment into consideration when creating a custom care plan.  This includes:

  • WellHome Whole-Person Approach ©

    • Physical and Health History Assessment (vitals, mobility, fall risk, ADLs, IADLs, etc.)

    • Memory Assessment (orientation, recall, attention, language, etc.)

    • Social Well-being Assessment (support systems, depression and anxiety screening, family caregiver stress, etc.)

    • Home Safety Assessment (pathways, lighting, adaptive equipment, accessibility, etc.)

  • Custom Care Plan designed by a Registered Nurse

  • Case Management services

  • Transportation


Long Term Care Insurance

Long Term Care Insurance provides funding for home care to those individuals who signed up for policies with the insurer.  Depending on the insurer, these policies can dictate the dollar amounts, time periods, and services they will reimburse for.  Some insurers pay the individual directly, and some pay the provider of home care services. Either way, WellHome will work with the insurance provider and even send billing and supporting documentation required by the insurer to secure reimbursement.  All of the services WellHome offers under Private Pay are available if they are covered by the long term care insurance provider.



The Veterans Administration offers financial assistance to qualifying veterans and their spouses to help pay for home care services. WellHome will help veterans to see if they qualify for these benefits and help guide them through the application process. Once approved, WellHome will proudly provide a variety of services for the eligible veterans and spouses who have served our country faithfully and sacrificed so much for our benefit.


Veterans Eligibility Requirements
  • Veteran must have an honorable discharge

  • Must have a non-service-connected medical condition causing you to need assistance with activities of daily living

  • Must meet the medical expense to income ratio / have limited income and assets (Excludes one car and one home).

  • This service is only available to veterans or the surviving spouse of a veteran who served at least 90 days on active duty, at least one day during wartime as defined by the VA below:

    • World War II: Dec 7, 1941-Dec. 31, 1946

    • Korean Conflict: June 27, 1950-Jan. 31, 1955

    • Vietnam Era: Aug. 5, 1964-May 7, 1975 For veterans who served Feb. 28, 1961-Aug 5, 1964, must have served “in country” (Viet Nam)

    • Persian Gulf War: Aug 2, 1990- date to be prescribed by Presidential proclamation or law. Must have served active duty for 2 years



In-Home Services (IHS)

Home and community-based services (HCBS) provide opportunities for Medicaid beneficiaries to receive services in their own home or community. These programs serve a variety of targeted populations groups, such as people with mental illnesses, intellectual or developmental disabilities, and/or physical disabilities. These programs aren't technically part of Medicaid but are funded by Medicaid through waivers of normal Medicaid rules, which is how they get their designation as Home and Community-Based Services (HCBS) "waiver" programs.  Services include:  Meal preparation, cleaning, personal care, errands and shopping for the client.

Consumer Directed Services (CDS)

The program provides assistance with services in the home, such as meal preparation, cleaning, and personal care. The consumer will self-direct their own care, including hiring and supervising the personal care attendant, and approving time sheets. The attendant may be a friend or family member, at least 18 years of age, but cannot be a spouse or legal guardian. The attendant must have a clean background check through the Missouri State Family Care Safety Registry before being employed by a CDS participant.

Department of Mental Health Services (DMH)

This program is funded through the Department of Mental Health Services.  Clients with the following illnesses may qualify for assistance in the home:  Retardation, cerebral palsy, epilepsy, head injury or autism, or a learning disability related to a brain dysfunction; or —any other mental or physical impairment or combination of mental or physical impairments; and —is manifested before the person attains age twenty-two; and is likely to continue indefinitely.  Qualified clients may receive care such as bathing, toileting, dressing, transfer, ambulation, as well as shopping, banking, budgeting, social interaction, etc.

St. Louis Effort for AIDS (SLEFA)

WellHome works with SLEFA's Waiver Case Management Program.  This program provides more intensive case management services to clients that are dealing with health issues which may prevent them from managing independently in their home.  Waiver case managers authorize services in the home through the Medicaid AIDS Waiver Program to prevent clients from having to consider more restrictive living options.

Healthy Children and Youth (HCY)

The HCY Program provides service coordination and authorization for medically necessary services for MO HealthNet recipients with special health care needs from birth to age 21.   Service coordination includes assessment through home visits and links to services and resources that enable individuals to remain safely in their homes with their families. Authorized services may include in-home personal care, in-home nursing care and skilled-nursing visits.

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