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Services & Coverage

What we offer and how it's paid for.

We accept Private Pay, Long Term Care Insurance, Medicaid (IHS & CDS), and Veterans Administration benefits. Here's exactly what each path covers.

Payment Options

Five paths to the care you need.

Not sure which one fits your family? That's exactly what we're here to help you figure out.

Payment Option 1

Private Pay

Flexible, out-of-pocket care that's available immediately — no eligibility paperwork, no waiting period. You set the schedule, you choose the services.

  • Personal Care Services (PCS)
  • Companion Care
  • Respite Care
Payment Option 2

Long Term Care Insurance

If you have an LTC insurance policy, we can help you understand what it covers and bill the policy directly so you can use the benefits you've been paying for.

  • Personal Care Services (PCS)
  • Companion Care
  • Respite Care
Payment Option 3

Medicaid — In-Home Services (IHS)

Missouri Medicaid IHS provides trained caregivers to help you stay safely at home longer. We guide you through eligibility and enrollment.

  • Advanced Personal Care (APC)
  • Personal Care Services (PCS)
  • Homemaker Chores (HC)
  • Respite Care (RC)
Payment Option 4

Medicaid — Consumer Directed Services (CDS)

You choose your caregiver — including a family member — and direct your own care. We handle the paperwork, training, and ongoing support.

  • Advanced Personal Care (APC)
  • Personal Care Services (PCS)
  • Homemaker Chores (HC)
  • Respite Care (RC)
Payment Option 5

Veterans Administration

Honoring your service. We help eligible Veterans access in-home support benefits earned through the VA.

  • Personal Care Services (PCS)
  • Homemaker Chores (HC)
  • Respite Care (RC)
Service Glossary

The acronyms, plainly explained.

Healthcare terminology can be confusing. Here's what each service actually means in everyday language.

APC Advanced Personal Care

Hands-on assistance with complex daily living needs — such as transfers, bathing with medical considerations, and bowel/bladder care — provided by trained caregivers under nursing oversight.

PCS Personal Care Services

Day-to-day help with activities of daily living: bathing, dressing, grooming, toileting, mobility, and eating. The core of safe, dignified care at home.

HC Homemaker Chores

Light housekeeping, meal preparation, laundry, errands, and household tasks that help maintain a clean and safe home environment.

RC Respite Care

Short-term relief for family caregivers. We step in so the people who care for your loved one full-time can rest, recharge, and take care of themselves too.

Companion Care

Supervision only — companionship, conversation, light activities, and a friendly guide for daily routines. No hands-on personal care: think of it as a trusted friend who's there to engage, support, and keep your loved one safe.

Not Sure Where You Fit?

That's literally why we exist.

We sit down with every family at no cost, help you understand what you qualify for, and walk you through what comes next.

Schedule a free consultation
Let us be your guide.

Questions about coverage?

Call or text and we'll help you figure out exactly which program(s) fit — often in a single conversation.

Call (816) 256-8672