Insurance & Private Pay Services
Whether it’s daily assistance, companionship, or specialized support, Lucent Health Group provides trusted caregiving services tailored to your family’s needs—right here in Plano.
Coverage
Understanding what insurance covers and what it doesn’t
When you’re caring for a loved one at home, knowing what insurance will and won’t cover can make all the difference. While most families are relieved to learn that medically necessary services like skilled nursing are covered, they are also surprised to find that everyday assistance—like bathing or preparing meals—often is not.
At Lucent Health Group, we make it easy to understand your options. Our experienced team reviews your insurance coverage with you and highlights where additional support may be helpful in creating a complete care plan.
Need help understanding your coverage?
What does insurance cover for in-home care?
Most insurance plans (including Medicare, Medicaid, and private insurance) cover services that are medically necessary and ordered by a doctor. These include:
- Skilled nursing care
- Wound care and dressing changes
- Medication administration and management
- IV therapy or injections
- Monitoring of chronic conditions (e.g., diabetes, COPD)
- Post-surgical rehabilitation
What insurance may not cover and when private pay steps in
Insurance often does not cover what’s known as companion care or personal care assistance — non-medical support that helps your loved one live comfortably and independently at home. These services include:
- Help with bathing, grooming, or dressing
- Preparing meals or helping with feeding
- Light housekeeping, laundry, and home tidying
- Grocery shopping or online ordering assistance
- Transportation to appointments or social outings
- Friendly companionship and check-ins
These services are often vital to maintaining quality of life, especially for seniors or those recovering from illness. They are usually paid for privately or through long-term care insurance or VA programs.
Explore your eligibility for covered services.
Our Solutions
Affordable ways to supplement insurance coverage
When services fall outside insurance coverage, it doesn’t mean you’re out of options. We provide affordable, pay-as-you-go care solutions that make it possible to get the help your family needs—even when insurance doesn’t apply.
Private Pay
Gives you the most freedom—choose any services, as often as needed, without insurance restrictions.
Long-Term Care Insurance
Our team helps with eligibility verification and claims filing.
Veterans Affairs (VA) Benefits
As a veteran-owned business, we’re experts in helping qualified veterans access in-home care benefits.
Medicare & Medicaid
For skilled, doctor-ordered services.
Private pay is always an option for families who want immediate, unrestricted access to any type of care—whether medical, non-medical, or both.
Payment Source
Medicare
Medicaid
Private Insurance
Long-Term Care Ins.
VA Benefits
Covers Skilled Nursing / Rehab
Yes
Yes
Yes
Sometimes
Yes
Covers Personal / Companion Care
No
Sometimes
Rarely
Yes
Yes
Notes
Doctor’s order required
Varies by state program
Depends on plan details
Eligibility varies, often reimbursable
Requires VA eligibility
Payment Source
Medicare
Covers Skilled Nursing / Rehab
Yes
Covers Personal / Companion Care
No
Notes
Doctor’s order required
Payment Source
Medicaid
Covers Skilled Nursing / Rehab
Yes
Covers Personal / Companion Care
Sometimes
Notes
Varies by state program
Payment Source
Private Insurance
Covers Skilled Nursing / Rehab
Yes
Covers Personal / Companion Care
Rarely
Notes
Depends on plan details
Payment Source
Long-Term Care Ins.
Covers Skilled Nursing / Rehab
Sometimes
Covers Personal / Companion Care
Yes
Notes
Eligibility varies, often reimbursable
Payment Source
VA Benefits
Covers Skilled Nursing / Rehab
Yes
Covers Personal / Companion Care
Yes
Notes
Requires VA eligibility
Let us help you fill in the gaps.
Trust
Why Families Trust Lucent
Whether you need skilled nursing, personal assistance, or both, we’re here to help you find peace of mind and reliable care right in your home.
Lucent Health Group is proud to offer:
- Compassionate expertise: We guide you through insurance benefits, plan coordination, and care decisions.
- Multilingual caregiver matching: We can connect you with caregivers who speak your preferred language—including Spanish, Farsi, Mandarin, Japanese, and more—so communication is clear and comforting.
- Flexible services: From one-time visits to ongoing daily help.
Let us walk this journey with you.
Frequently Asked Questions
Have questions about insurance? We're here to help.
Explore answers to common questions families have about our payment options, insurance, and how Lucent Health Group can support your loved one’s comfort and independence.
What types of in-home care does insurance typically cover?
Insurance plans like Medicare, Medicaid, and private insurance usually cover medically necessary care—such as skilled nursing, wound care, IV therapy, and post-surgical rehab—when ordered by a doctor.
What kinds of services are usually not covered by insurance?
Services like help with bathing, meals, housekeeping, companionship, and transportation—known as personal or companion care—are generally not covered and are paid for privately.
What options do I have if insurance doesn’t cover everything my loved one needs?
You’re not out of options. Lucent offers affordable, pay-as-you-go care solutions, and can also work with long-term care insurance and VA benefits to help fill the gaps.
Does Lucent help with reviewing my insurance benefits?
Yes. Our team will walk through your current insurance plan, explain what’s covered, and recommend care options to match your family’s needs.
Can I request a caregiver who speaks my loved one’s language?
Absolutely. We offer multilingual caregiver matching, including Spanish, Farsi, Mandarin, Japanese, and more—to ensure clear, compassionate communication.
