Does long-term care insurance cover in-home care? Yes. Most policies cover home care at the same benefit level as facility-based care, and we handle the paperwork for you. Learn more about who we serve and how we work with LTC carriers.
Most policies provide a daily or monthly benefit that can be used for personal care, nursing, companionship, and household support at home.
Abriva works directly with your LTC carrier to verify benefits, create a plan of care, and submit claims on your behalf.
If your benefit covers the full cost of care, you may pay nothing out of pocket. We will help you understand your specific benefits upfront.
We work with John Hancock, Genworth, Lincoln Financial, MassMutual, New York Life, and most other major LTC providers.
Contact your insurance provider to confirm your benefits and elimination period. Then, reach out to Abriva for a free in-home assessment. We will work with your insurer to set up a plan of care and handle all billing.
Yes. Most LTC policies sold in Minnesota cover in-home care services. The specific services covered depend on your policy's terms, benefit amount, and elimination period.
Commonly covered services include personal care (bathing, dressing, grooming), skilled nursing, companionship, meal preparation, and light housekeeping. Review your specific policy for details.
Recovering from a work injury? Workers compensation can cover in-home nursing and personal care so you can heal safely in the comfort of your own home. See our full list of services available for injured workers.
Recover at home with skilled nursing care, wound care, medication management, and personal assistance covered by your workers comp benefits.
Every care plan is overseen by a Registered Nurse who coordinates with your doctor, tracks your recovery progress, and adjusts care as you heal.
After a work injury is accepted, we coordinate directly with your employer's workers comp insurance to obtain authorization and handle all billing.
In Minnesota, injured workers generally have the right to choose their own home care provider. You are not required to use an agency selected by the insurance company.
Yes. In Minnesota, workers comp can cover in-home health care services if they are reasonable and necessary for your recovery from a work-related injury, including skilled nursing and personal care assistance.
Report your work injury to your employer, and ask your treating physician to prescribe in-home care services as part of your recovery plan. Contact Abriva, and we will coordinate with the insurance adjuster to get services authorized.
Absolutely. Minnesota law generally allows injured workers to choose their own home care provider. Simply let your case manager or insurance adjuster know you prefer Abriva, or submit a referral directly through our website.
The main difference is location and flexibility. Home care brings trained caregivers to your home, while a nursing home requires moving into a residential facility. For many, home care is more personalized, comfortable, and affordable. Explore our who we serve page to learn more about aging in place.
| Factor | In-Home Care (Abriva) | Nursing Home |
|---|---|---|
| Location | Your own home | Residential facility |
| Cost (MN Average) | $25–$40/hour (pay only for care needed) | $8,000–$12,000+ per month |
| Personalization | 1-on-1 caregiver matched to you | Shared staff, rotating schedules |
| Schedule | Flexible (hourly, overnight, or 24/7) | Fixed facility schedule |
| Comfort | Stay in your own bed, with pets and belongings | Adjust to facility environment |
| Independence | Maintain your daily routine and freedom | Facility rules and shared spaces |
Aging in place means remaining in your own home as you grow older. With the right support, including in-home personal care, nursing services, meal preparation, and safety monitoring, most seniors can safely and comfortably age in place for years. Abriva provides the full spectrum of services needed to make this a reality.
Recognizing that an aging parent needs help is one of the hardest decisions a family can face. The transition is rarely sudden. Here are the most common warning signs that your elderly parent may benefit from in-home care. For additional support, the Minnesota Board on Aging (opens in new tab) offers free resources through the Senior LinkAge Line at 1-800-333-2433.
You do not need to wait for a crisis. The best time to explore home care is before a fall, hospitalization, or health emergency occurs. Early intervention helps your parent maintain independence and stay safer at home. Schedule a free assessment to get started.
Finding the right home care agency is one of the most important decisions you will make. Not all agencies are created equal. Use this checklist to find a reliable, licensed home care provider. You can also verify any agency's licensing through the Minnesota Department of Health (opens in new tab).
Ask about: licensing and insurance, caregiver training and background checks, RN supervision, types of services offered, payment options, emergency protocols, caregiver matching process, communication with family, and how they handle changes in care needs. A reputable agency will answer all of these transparently.
Start by verifying the agency is licensed by the Minnesota Department of Health. Check online reviews, ask for references, and schedule in-home consultations with at least 2-3 agencies. Look for agencies that offer RN-supervised care, transparent pricing, and personalized care plans. Schedule a free assessment with Abriva to see the difference for yourself.
Abriva is a licensed Minnesota home care agency offering RN-supervised care, flexible scheduling (hourly to 24/7), and acceptance of private pay, LTC insurance, workers' comp, and waiver programs. Learn more about our team and explore our services.
We believe in connecting families with reliable, authoritative information. These organizations provide free resources for seniors and caregivers.
Free information and referrals for seniors through the Senior LinkAge Line.
Visit WebsiteInformation on Veterans Affairs benefits for home care and Aid & Attendance.
Visit WebsiteSchedule a free, no-obligation assessment. We will come to your home, discuss your needs, and create a care plan that works for your family.