{"id":4241,"date":"2026-07-24T16:14:17","date_gmt":"2026-07-24T16:14:17","guid":{"rendered":"https:\/\/preferhome.com\/locations\/hendersonville\/?page_id=4241"},"modified":"2026-07-24T16:14:17","modified_gmt":"2026-07-24T16:14:17","slug":"paying-for-dementia-care","status":"publish","type":"page","link":"https:\/\/preferhome.com\/locations\/hendersonville\/paying-for-dementia-care\/","title":{"rendered":"Paying for Dementia Care: A Tennessee Family\u2019s Roadmap"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4241\" class=\"elementor elementor-4241\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0378a3d e-con-boxed e-flex e-con e-parent\" data-id=\"0378a3d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325d566 elementor-widget elementor-widget-html\" data-id=\"325d566\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.h5x{position:relative;margin:0 -100vw;padding:44px 100vw 48px;min-height:0;display:flex;align-items:center;overflow:hidden;background:#14120F;}\n.h5bg{position:absolute;top:0;bottom:0;left:calc(50% - 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This guide walks through what Tennessee CHOICES, VA Aid and Attendance, Social Security, and private pay actually cover &mdash; and the order in which families in Sumner, Davidson, and Wilson counties should apply.<\/p>\n  <ul class=\"h5chips\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Medicare does not cover long-term care &mdash; you pay all costs<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>CHOICES, VA Aid &amp; Attendance, SSI, and private pay, mapped<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>The application order that protects your eligibility<\/span><\/li><\/ul>\n  <div class=\"h5btns\"><a class=\"h5btn\" href=\"https:\/\/preferhome.com\/locations\/hendersonville\/contact\/\">Get Care Now<\/a><a class=\"h5tel\" href=\"tel:6159703737\">(615) 970-3737<\/a><\/div>\n <\/div>\n <div class=\"h5card\">\n  <h3>At a glance<\/h3>\n  <dl>\n   <div><dt>Who this page is for<\/dt><dd>Tennessee families figuring out who pays for dementia care<\/dd><\/div>\n   <div><dt>The realistic answer<\/dt><dd>Usually two or three payers combined, not one<\/dd><\/div>\n   <div><dt>The biggest public payer<\/dt><dd>Tennessee CHOICES &mdash; up to 2,580 personal care hours\/year<\/dd><\/div>\n   <div><dt>The veteran pathway<\/dt><dd>VA net worth limit $163,699 (2026); A&amp;A up to $34,488\/yr<\/dd><\/div>\n  <\/dl>\n  <hr>\n  <dl><div><dt>Credentials you can verify<\/dt><dd>Certified Provider &middot; Licensed in Tennessee &middot; Home Care Pulse Award &middot; LPN on Care Team<\/dd><\/div><\/dl>\n  <hr>\n  <a class=\"h5btn\" href=\"https:\/\/preferhome.com\/locations\/hendersonville\/contact\/\">Talk it through with us<\/a>\n <\/div>\n<\/div><\/div><script>(function(){var c=document.querySelector('.h5card');if(!c)return;if(window.matchMedia('(prefers-reduced-motion: reduce)').matches)return;if(!window.matchMedia('(hover: hover)').matches)return;c.addEventListener('mousemove',function(e){var r=c.getBoundingClientRect();var x=(e.clientX-r.left)\/r.width-.5,y=(e.clientY-r.top)\/r.height-.5;c.style.transform='perspective(900px) rotateY('+(x*4).toFixed(2)+'deg) rotateX('+(-y*4).toFixed(2)+'deg) translateY(-2px)';});c.addEventListener('mouseleave',function(){c.style.transform='';});})();<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a4a6626 e-con-boxed e-flex e-con e-parent\" data-id=\"a4a6626\" data-element_type=\"container\" 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p{margin:0;color:#CFC9BE;line-height:1.65;max-width:640px;}\n.pb-btn{display:inline-flex;align-items:center;gap:9px;background:linear-gradient(92deg,#A4C422,#7B9218);color:#fff !important;font-family:'Raleway',sans-serif;font-weight:700;font-size:15.5px;padding:13px 22px;border-radius:8px;text-decoration:none;box-shadow:0 8px 24px rgba(164,196,34,.3);transition:transform .2s ease;white-space:nowrap;}\n.pb-btn:hover{transform:translateY(-2px);}\n.pb-paths3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}\n@media(max-width:900px){.pb-paths3{grid-template-columns:1fr;}}\n.pb-path{background:#fff;border:1px solid #E7E3DB;border-radius:16px;padding:24px 24px;box-shadow:0 4px 18px rgba(94,80,79,.07);}\n.pb-path .pb-pg{color:#746D62;background:#F0EDE6;border:none;}\n.pb-path h3{margin:0 0 8px;font-family:'Raleway',sans-serif;font-weight:700;font-size:17.5px;color:#3A3731;}\n.pb-path p{margin:0;font-size:13.5px;line-height:1.6;color:#746D62;}\n\/* versus *\/\n.pb-vs{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:stretch;}\n@media(max-width:800px){.pb-vs{grid-template-columns:1fr;}}\n.pb-vcol{background:#fff;border:1px solid #E7E3DB;border-radius:18px;padding:26px 28px;box-shadow:0 4px 18px rgba(94,80,79,.07);}\n.pb-vcol h3{margin:0 0 16px;font-family:'Raleway',sans-serif;font-weight:700;font-size:20px;color:#5E504F;text-align:center;}\n.pb-vcol ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;}\n.pb-vcol li{display:flex;justify-content:space-between;gap:14px;padding:12px 4px;border-top:1px solid #F0EDE6;font-size:15px;}\n.pb-vcol li b{font-family:'Raleway',sans-serif;font-weight:700;color:#746D62;font-size:13.5px;letter-spacing:.03em;text-transform:uppercase;align-self:center;}\n.pb-vcol li span{font-family:'Raleway',sans-serif;font-weight:700;color:#3A3731;}\n.pb-vwin{border:2px solid #A4C422;background:linear-gradient(180deg,#FDFEF8,#F6F8EF);box-shadow:0 12px 34px rgba(164,196,34,.18);}\n.pb-vwin h3{color:#7B9218;}\n.pb-vwin li span{color:#4F640B;}\n.pb-vbadge{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);z-index:2;width:56px;height:56px;display:flex;align-items:center;justify-content:center;background:#26221D;color:#C8E06B;font-family:'Raleway',sans-serif;font-weight:700;font-size:17px;border-radius:50%;box-shadow:0 8px 24px rgba(0,0,0,.3);border:3px solid #FBFAF7;}\n@media(max-width:800px){.pb-vbadge{display:none;}}\n\/* faq *\/\n.pb-faqs{columns:2;column-gap:22px;}\n@media(max-width:900px){.pb-faqs{columns:1;}}\n.pb-faq{break-inside:avoid;margin-bottom:16px;background:#fff;border:1px solid #E7E3DB;border-radius:14px;overflow:hidden;box-shadow:0 3px 14px rgba(94,80,79,.06);}\n.pb-faq summary{display:flex;align-items:center;gap:12px;cursor:pointer;list-style:none;padding:17px 20px;font-family:'Raleway',sans-serif;font-weight:700;font-size:16px;color:#3A3731;}\n.pb-faq summary::-webkit-details-marker{display:none;}\n.pb-faq summary span{flex:1;}\n.pb-faq summary em{flex:none;display:inline-flex;transition:transform .3s ease;}\n.pb-faq[open] summary{color:#7B9218;}\n.pb-faq[open] summary em{transform:rotate(45deg);}\n.pb-fb{padding:0 20px 18px;}\n.pb-fb p{margin:0;color:#746D62;line-height:1.7;font-size:14.5px;}\n<\/style><div class=\"pb\"><div class=\"pb-prog\"><i><\/i><\/div><div class=\"pb-shell\"><aside class=\"pb-rail\"><p>In this guide<\/p><a href=\"#pb-answers\" data-t=\"pb-answers\"><b>01<\/b><span>Who Pays for What<\/span><\/a><a href=\"#pb-who\" data-t=\"pb-who\"><b>02<\/b><span>The Payer Paths<\/span><\/a><a href=\"#pb-home\" data-t=\"pb-home\"><b>03<\/b><span>Costs &amp; Private Pay<\/span><\/a><a href=\"#pb-process\" data-t=\"pb-process\"><b>04<\/b><span>The Application Order<\/span><\/a><a href=\"#pb-team\" data-t=\"pb-team\"><b>05<\/b><span>Our Local Team<\/span><\/a><a href=\"#pb-paths\" data-t=\"pb-paths\"><b>06<\/b><span>The Four Payers<\/span><\/a><a href=\"#pb-compare\" data-t=\"pb-compare\"><b>07<\/b><span>Medicare: Yes vs No<\/span><\/a><a href=\"#pb-faq\" data-t=\"pb-faq\"><b>08<\/b><span>Questions Families Ask<\/span><\/a><div class=\"pb-railcta\"><p>Questions right now?<\/p><a href=\"tel:6159703737\">(615) 970-3737<\/a><\/div><\/aside><div class=\"pb-main\"><section class=\"pb-anchor\" id=\"pb-answers\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Plain language, before you assume Medicare covers it<\/span><h2 class=\"pb-h2\">Who Actually Pays for Dementia Care<\/h2><p class=\"pb-sub\">Medicare.gov states it plainly: long-term care is &#8220;Not Covered,&#8221; and &#8220;You pay all costs.&#8221; That single line explains most of the confusion families run into after a diagnosis. Here is what each payer actually answers.<\/p><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:0ms\">\n <span class=\"pb-ln\">Q1<\/span>\n <div class=\"pb-lq\"><h3>What does Medicare actually pay for?<\/h3><p>Real things &mdash; but episode-triggered ones: inpatient hospital care, a limited stretch of skilled nursing days after a qualifying stay, hospice, and time-limited home health. None fund ongoing supervision month after month.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Hospital, limited SNF, hospice, short home health<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>No long-term custodial dementia care &mdash; ever<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>The GUIDE model adds narrow respite support, not a rescue<\/span><\/li><\/ul><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:70ms\">\n <span class=\"pb-ln\">Q2<\/span>\n <div class=\"pb-lq\"><h3>Can Tennessee CHOICES help at home?<\/h3><p>Yes &mdash; it&#8217;s where most Tennessee families find their real long-term care answer. Groups 1&ndash;2 require nursing facility level of care; Group 3 serves people who need support to delay or prevent reaching it.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Personal care visits up to 2,580 hours\/year (Group 2 ceiling)<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Group 3: adult day up to 2,080 hrs, respite up to 216 hrs<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Care coordination through your managed care organization<\/span><\/li><\/ul><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:140ms\">\n <span class=\"pb-ln\">Q3<\/span>\n <div class=\"pb-lq\"><h3>What about VA benefits?<\/h3><p>The 2026 VA net worth limit for a Veterans Pension is $163,699. With Aid and Attendance added, the Maximum Annual Pension Rate reaches $29,093 for a veteran with no dependents, or $34,488 with one dependent.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>File VA Form 21-2680 to establish medical need<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Three-year look-back on asset transfers<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>A real payer path in the Fort Campbell corridor<\/span><\/li><\/ul><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:210ms\">\n <span class=\"pb-ln\">Q4<\/span>\n <div class=\"pb-lq\"><h3>What order should we apply in?<\/h3><p>Order matters more than families realize. VA look-backs, Medicaid timing, and asset positioning interact &mdash; and moving in the wrong sequence can cost months of eligibility or an outright penalty.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Call TN SHIP first: 1-877-801-0044, free counseling<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Benefits before selling the house or moving money<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Most families combine two or three payers<\/span><\/li><\/ul><\/div><\/section><section class=\"pb-anchor\" id=\"pb-who\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Real payer paths, not wishful thinking<\/span><h2 class=\"pb-h2\">The Three Payer Paths Tennessee Families Actually Use<\/h2><\/div><div class=\"pb-prow pb-rv\">\n <span class=\"pb-pimg\"><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/hendersonville\/wp-content\/uploads\/sites\/19\/2026\/07\/pcah-2025-images-227-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><i>01<\/i><\/span>\n <div class=\"pb-ptxt\"><h3>The TennCare CHOICES Path<\/h3><p>For TennCare-eligible families, CHOICES funds personal care, homemaker services, adult day, and respite at home &mdash; not just in a facility. Group 3 is the pathway many families miss entirely: built for seniors who don&#8217;t yet need nursing home level of care but need support to delay it. Enrollment runs through TennCare Connect and your MCO.<\/p><\/div><\/div><div class=\"pb-prow pb-flip pb-rv\">\n <span class=\"pb-pimg\"><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/hendersonville\/wp-content\/uploads\/sites\/19\/2026\/07\/pcah-2025-images-212-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><i>02<\/i><\/span>\n <div class=\"pb-ptxt\"><h3>The Veteran and Surviving-Spouse Path<\/h3><p>Confirm status, gather income and medical documentation, file VA Form 21-2680, confirm no disqualifying transfers within three years (penalties can run up to five), and work with a Veterans Service Officer or the local VA CCN team to file correctly.<\/p><\/div><\/div><div class=\"pb-prow pb-rv\">\n <span class=\"pb-pimg\"><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/hendersonville\/wp-content\/uploads\/sites\/19\/2026\/07\/pcah-2025-images-156-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><i>03<\/i><\/span>\n <div class=\"pb-ptxt\"><h3>The Private-Pay Bridge<\/h3><p>Where public programs don&#8217;t fit yet &mdash; or while applications process &mdash; families bridge with savings, home equity, life-insurance accelerated benefits, LTC insurance purchased before the need, and documented family cost-sharing. A financial professional who understands elder care can surface funds families didn&#8217;t realize could be redirected.<\/p><\/div><\/div><\/section><section class=\"pb-anchor\" id=\"pb-home\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">The scale of it<\/span><h2 class=\"pb-h2\">What Care Actually Costs (and How Families Bridge It)<\/h2><\/div><div class=\"pb-statwrap\">\n   <div class=\"pb-bigstat pb-rv\"><b>2,580<\/b><i>personal care hours per calendar year is the TennCare CHOICES contract ceiling &mdash; a ceiling, not a guaranteed allotment for every member<\/i>\n    <p>The CareScout 2025 Cost of Care Survey puts non-medical in-home care at a national median of $35 an hour, and assisted living at $6,200 a month. Running those numbers side by side is what helps families see where their hours and dollars actually need to go.<\/p><\/div>\n   <div class=\"pb-hcard pb-rv\"><h3>Private-Pay Tools Worth Understanding<\/h3><p>Personal savings and retirement withdrawals, home equity via reverse mortgage, life insurance accelerated death benefits or settlements, LTC insurance purchased before the need arose, and family cost-sharing arrangements documented in writing.<\/p><\/div>\n   <div class=\"pb-hcard pb-rv\" style=\"transition-delay:90ms\"><h3>What Insurance Won&#8217;t Do<\/h3><p>Private insurance and retiree health coverage rarely cover memory care expenses &mdash; most retirement plans were built to fund living costs, not specialized dementia support. Medigap doesn&#8217;t cover custodial care either; only LTC policies and some hybrid life-insurance riders do.<\/p><\/div>\n  <\/div><\/section><style>.pb-mos{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:18px;margin:8px 0 0;}@media(max-width:800px){.pb-mos{grid-template-columns:1fr;}}.pb-mos span{display:block;height:230px;border-radius:16px;overflow:hidden;box-shadow:0 10px 28px rgba(94,80,79,.16);}.pb-mos img{width:100%;height:100%;object-fit:cover;object-position:center 25%;display:block;transition:transform .6s ease;}.pb-mos span:hover img{transform:scale(1.05);}<\/style><div class=\"pb-mos\"><span><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/hendersonville\/wp-content\/uploads\/sites\/19\/2026\/07\/pcah-2025-images-266-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><\/span><span><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/hendersonville\/wp-content\/uploads\/sites\/19\/2026\/07\/pcah-2025-images-231-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><\/span><span><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/hendersonville\/wp-content\/uploads\/sites\/19\/2026\/07\/pcah-2025-images-178-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><\/span><\/div><div style=\"height:56px\"><\/div><section class=\"pb-anchor\" id=\"pb-process\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Sequence protects eligibility<\/span><h2 class=\"pb-h2\">A Practical Order for Applying (Tennessee Edition)<\/h2><p class=\"pb-sub\">Calling free counselors first &mdash; before selling a home or moving money &mdash; keeps families from making an irreversible decision they didn&#8217;t need to make.<\/p><\/div><div class=\"pb-steps\"><div class=\"pb-st pb-rv\" style=\"transition-delay:0ms\"><span class=\"pb-stn\">1<\/span>\n <h4>Call TN SHIP First<\/h4><p>Free Medicare counseling at 1-877-801-0044 before making any changes &mdash; and the AAAD at 1-866-836-6678 for local resource routing.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:80ms\"><span class=\"pb-stn\">2<\/span>\n <h4>Apply for CHOICES<\/h4><p>Via TennCare Connect; current members contact their managed care organization, since MCO care coordination shapes what gets approved.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:160ms\"><span class=\"pb-stn\">3<\/span>\n <h4>File the VA Claim<\/h4><p>VA Form 21-2680 for Aid &amp; Attendance &mdash; after confirming no disqualifying transfers in the past three years.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:240ms\"><span class=\"pb-stn\">4<\/span>\n <h4>Check SSI and SSDI<\/h4><p>If income, age, or diagnosis warrant it &mdash; the SSA lists Young-Onset Alzheimer&#8217;s as a Compassionate Allowance for faster SSDI review.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:320ms\"><span class=\"pb-stn\">5<\/span>\n <h4>Map Hours Before Moving<\/h4><p>Map hours and cost with a local in-home provider before committing to a residential move &mdash; the comparison usually changes the decision.<\/p><\/div><\/div><\/section><section class=\"pb-anchor\" id=\"pb-team\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Walking beside you<\/span><h2 class=\"pb-h2\">How Our Local Team Supports Paying-for-Care Decisions<\/h2><\/div><div class=\"pb-team\">\n   <div class=\"pb-tcard pb-rv\"><h4>Certified in Payer Coordination<\/h4><p>Preferred Care at Home of Hendersonville is a Certified Preferred Provider &mdash; a status earned through training that covers exactly this kind of payer-coordination work &mdash; serving Sumner, Davidson, and Wilson counties.<\/p><\/div>\n   <div class=\"pb-tcard pb-rv\" style=\"transition-delay:80ms\"><h4>The Fort Campbell Corridor<\/h4><p>Sumner County and the neighboring Fort Campbell corridor carry a meaningful veteran and active-duty population. We participate in the VA Care Community Care Network and see Aid &amp; Attendance payment questions up close.<\/p><\/div>\n   <div class=\"pb-tcard pb-rv\" style=\"transition-delay:160ms\"><h4>First Call for What&#8217;s Realistic<\/h4><p>We&#8217;re often the first call for families sorting out what&#8217;s realistic &mdash; mapping hours and cost with a local provider before committing to a residential move is the step that keeps options open.<\/p><\/div>\n  <\/div><\/section><section class=\"pb-anchor\" id=\"pb-paths\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">The payers, decoded<\/span><h2 class=\"pb-h2\">The Four Payers, Compared<\/h2><\/div><div class=\"pb-pathhero pb-rv\"><span class=\"pb-flag\">Most families combine two or three<\/span>\n <div><span class=\"pb-pg\">Medicare<\/span><h3>Short-Term Medical Only<\/h3><p>Hospital care, limited skilled nursing after a qualifying stay, hospice, and time-limited home health. No long-term custodial dementia care &mdash; per Medicare.gov, you pay all costs for that category.<\/p><\/div>\n <a class=\"pb-btn\" href=\"https:\/\/preferhome.com\/locations\/hendersonville\/contact\/\">Ask about coverage mapping<\/a><\/div><div class=\"pb-paths3\"><div class=\"pb-path pb-rv\" style=\"transition-delay:0ms\"><span class=\"pb-pg\">TennCare CHOICES<\/span><h3>The Real Long-Term Answer<\/h3><p>Personal care, adult day, respite, and homemaker services for TennCare-eligible members, with hour caps by group. Group 3 supports people before they reach nursing home level of care.<\/p><\/div><div class=\"pb-path pb-rv\" style=\"transition-delay:80ms\"><span class=\"pb-pg\">VA Aid &amp; Attendance<\/span><h3>For Veterans and Surviving Spouses<\/h3><p>Care costs above the base pension &mdash; up to $29,093\/yr with no dependents or $34,488 with one, under the $163,699 net worth limit (2026). Watch the three-year transfer look-back.<\/p><\/div><div class=\"pb-path pb-rv\" style=\"transition-delay:160ms\"><span class=\"pb-pg\">LTC Insurance<\/span><h3>&amp; Private Pay<\/h3><p>LTC policies cover in-home or facility care per policy terms &mdash; if purchased before the need, with elimination periods and benefit caps. Private pay covers anything, at a national median of $35\/hour in-home.<\/p><\/div><\/div><\/section><section class=\"pb-anchor\" id=\"pb-compare\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">The most misunderstood line in Medicare<\/span><h2 class=\"pb-h2\">What Medicare Covers Versus What You Pay<\/h2><p class=\"pb-sub\">Each covered item is triggered by a medical episode. None of them fund the ongoing supervision and daily living help that dementia care actually becomes. Here is the split, plainly.<\/p><\/div><div class=\"pb-vs pb-rv\">\n <div class=\"pb-vcol\"><h3>Medicare Covers<\/h3>\n  <ul><li><b>Hospital<\/b><span>Inpatient care, Part A<\/span><\/li><li><b>Skilled nursing<\/b><span>Limited days after qualifying stay<\/span><\/li>\n      <li><b>Home health<\/b><span>Time-limited, post-event<\/span><\/li><li><b>Hospice<\/b><span>Covered at end of life<\/span><\/li><\/ul><\/div>\n <span class=\"pb-vbadge\">VS<\/span>\n <div class=\"pb-vcol pb-vwin\"><h3>You Pay (or Other Payers)<\/h3>\n  <ul><li><b>Supervision<\/b><span>Not covered by Medicare<\/span><\/li><li><b>Wandering watch<\/b><span>Not covered &mdash; any amount<\/span><\/li>\n      <li><b>Daily personal care<\/b><span>Not covered, month after month<\/span><\/li><li><b>Custodial care<\/b><span>&#8220;You pay all costs&#8221; &mdash; Medicare.gov<\/span><\/li><\/ul><\/div>\n<\/div><\/section><section class=\"pb-anchor\" id=\"pb-faq\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Straight answers<\/span><h2 class=\"pb-h2\">Paying-for-Care Questions Tennessee Families Ask Us<\/h2><\/div><div class=\"pb-faqs\"><details class=\"pb-faq pb-rv\" open><summary><span>How do people afford to pay for dementia care?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Most Tennessee families combine two or three payers: Medicare for short-term medical episodes, Tennessee Medicaid CHOICES if eligible, VA Aid and Attendance for qualifying veterans, and private pay for the remainder.<br><br>It&#8217;s worth starting local before assuming any single program will cover everything &mdash; we&#8217;re often the first call for families sorting out what&#8217;s realistic.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Will Medicare pay for home health care for dementia patients?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Medicare pays for time-limited home health following a qualifying medical event, but it does not cover ongoing dementia supervision or long-term custodial care.<br><br>That distinction &mdash; medical event versus daily supervision &mdash; is the single most misunderstood part of Medicare for families new to dementia care.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>How do I pay for memory care with no money?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Start with Tennessee CHOICES, Supplemental Security Income, and free TN SHIP counseling &mdash; public programs built for families with limited assets. The 2026 SSI federal payment is $994\/month for an individual and $1,491 for a couple.<br><br>A benefits counselor can often identify eligibility a family didn&#8217;t know it had.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Can Medicaid help before nursing home placement, or only after?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Yes, before. Tennessee CHOICES Group 3 is built specifically for seniors 65 and older who don&#8217;t yet qualify for nursing home level of care but need support to delay or prevent it.<br><br>Enrollment runs through TennCare Connect and the member&#8217;s MCO &mdash; and CHOICES can fund memory care at home, not just in a facility.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Does Medicare pay for someone to stay with my parent who wanders?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>No. Medicare does not cover general supervision, wandering prevention, or ongoing custodial care at home &mdash; its benefits are limited to skilled medical care.<br><br>The honest answer points families toward Medicaid, VA benefits, or private pay for daily dementia in-home care.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Should we sell the house first or apply for benefits first?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Apply for benefits first. VA has a three-year look-back on asset transfers that can trigger a penalty of up to five years, and Medicaid has separate transfer rules. Your home is often exempt from Medicaid asset calculations while you live in it &mdash; but selling before understanding the rules can eliminate that protection.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>What insurance covers memory care?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Long-term care insurance can cover memory care &mdash; but only if the policy was purchased before the need arose. Medicare and Medigap plans do not cover long-term custodial dementia care.<br><br>Some newer hybrid life-insurance policies include LTC riders; review your contract with a financial professional before assuming what&#8217;s included.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>How do I protect my assets when my spouse has dementia?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Start with two professionals: a Tennessee elder law attorney and a VA-accredited benefits counselor, since VA look-backs, Medicaid eligibility, and Social Security rules interact case by case.<br><br>If younger-onset dementia is in the picture, the 2026 SSDI substantial gainful activity threshold is $1,690\/month &mdash; an attorney can map the rules against your specific asset picture.<\/p><\/div><\/details><\/div><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How do people afford to pay for dementia care?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Most Tennessee families combine two or three payers: Medicare for short-term medical episodes, Tennessee Medicaid CHOICES if eligible, VA Aid and Attendance for qualifying veterans, and private pay for the remainder.\"}}, {\"@type\": \"Question\", \"name\": \"Will Medicare pay for home health care for dementia patients?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Medicare pays for time-limited home health following a qualifying medical event, but it does not cover ongoing dementia supervision or long-term custodial care.\"}}, {\"@type\": \"Question\", \"name\": \"How do I pay for memory care with no money?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Start with Tennessee CHOICES, Supplemental Security Income, and free TN SHIP counseling. 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