Why do families in Connecticut choose TheKey?

Home care is typically billed by the hour, so the cost depends on the number of care hours per week and can vary slightly by region. Most families pay out-of-pocket for their care or use long-term care insurance.

If you have Original Medicare Part A (Hospital Insurance) or Part B (Medical Insurance), you may be eligible for Medicare home health benefits. To qualify, you must meet all of these requirements: be homebound, be under the active care of a doctor who has certified that you need intermittent occupational therapy, physical therapy, speech therapy, and/or skilled nursing care. And the home health agency must be Medicare approved. Please note that home health care is a different service from non-medical home care.


Medicare does not cover long-term care, 24-hour care at home, or non-medical home care if you need assistance with activities of daily living (ADLs) or personal care like bathing and have no other medical needs. Understanding exactly what Medicare covers can be complicated. We recommend that you consult with an insurance expert to see if you or your loved one is eligible.

It depends on your policy. If this is your first time using your benefits for home care, it’s best to contact your insurance provider to be sure that you have an active claim, confirm any applicable elimination period, and clarify the services covered under your policy. TheKey is an approved provider with most major Long-Term Care (LTC) insurance carriers-and we have a free service to help our clients navigate all aspects of the claims process.




If you need long-term care insurance help to initiate a new claim or need guidance with an existing claim, we have a dedicated team of long-term care insurance experts ready to help. Learn more about this free service.

If you value safety, security, and reliability, yes. A quality home care agency is insured and also manages the performance and scheduling of its caregivers, handles billing and payroll, and has back-up caregivers to fill in when needed. With a private hire caregiver, you’re responsible for setting up payroll and withholding taxes, caregiver vetting and background checks, and purchasing sufficient liability insurance to cover any accidents or injuries in the home.

The best home care is provided by reliable caregivers who are trained and backed by home care agency that’s insured, providing oversight, care guidance, and back-up caregivers as needed.

The best caregiver is an experienced professional who has the training and skills to support your loved one’s care needs. It’s also important to find a caregiver who’s extremely reliable--has back-up if necessary--and is a good fit in terms of personality and shared interests.

Nine out of ten older adults would prefer to live independently in the home they know and love rather than moving to a facility or assisted living community. With the right level of support, most people can continue to live safely and comfortably at home even as they age with a progressive illness or medical condition.