How to Pay for In-Home Nursing Care in Colorado: Medicare, Medicaid, and Other Options

How to Pay for In-Home Nursing Care in Colorado

Cost is often the first question families ask when considering home health care. The good news is that Colorado offers more payment pathways than most states, and many families qualify for coverage they do not realize is available. Between Medicare, Medicaid, HCBS waivers, VA benefits, private insurance, and long-term care policies, there are real options for reducing or eliminating out-of-pocket expenses.

This guide covers every major payment source available to Colorado Springs area families in 2026, including eligibility requirements, what each source covers, and how to apply.

Understanding the Costs

Before exploring payment options, it helps to know what home health care actually costs in the Colorado Springs area.

Class B personal care (non-medical) services typically range from $25 to $35 per hour. This covers help with bathing, dressing, meal preparation, companionship, and other activities of daily living. Most agencies require a minimum of 2 to 4 hours per visit.

Class A skilled nursing services range from $45 to $75 per visit for standard nursing assessments. Specialized services like IV therapy, wound care, or ventilator management may cost more. Physical therapy, occupational therapy, and speech therapy home visits typically fall in the $150 to $250 range per session before insurance.

Medicare Home Health Benefits

Medicare is the single largest payer of home health services in Colorado. If your loved one is 65 or older, or qualifies for Medicare due to disability, home health may be covered at no cost to the patient.

Eligibility Requirements

To qualify for Medicare home health coverage, the patient must be under the care of a physician who certifies the need for home health services. The patient must need skilled nursing care, physical therapy, speech-language pathology, or continued occupational therapy. The patient must be homebound. And the agency must be Medicare-certified.

What Medicare Covers

• Skilled nursing visits