Harbor House Financial Services

We understand that choosing the right care facility for your loved one can be stressful. We try to help families sort through every detail, including necessary finances. We don't charge an endowment fee, an assessment fee, a security deposit, or even a fee to have your loved one's name placed on our waiting list.

Assisted living, even for residents with Alzheimer's disease and other memory impairments, is primarily private pay or reimbursed by long term care insurance. While Medicare or Medicaid alone does not cover assisted living care, Wisconsin has a few innovative funding programs for financially qualified residents that continue to expand across the state. Each county has criteria and limited funds for these programs. Consult with the Harbor House Director or the Aging and Disability Resource Center office in your county for more information on these and other programs.

Although costs of assisted living and Alzheimer's care are generally paid by residents or families, there are also private long term care insurance plans for assisted living that typically cover costs. Review your individual policy with your insurance provider. We are also happy to review the policy with you to see if our specialized services may be covered by your policy.

Veterans who served during wartime and their spouses may be eligible to receive nearly $2,000 per month to help defray the cost of assisted living, in-home health care or other non-reimbursed medical care through the "Aid and Attendance" Program. For more information, please contact your Veterans Regional Office ( www.va.gov ), call 1-800-827-1000 or contact an accredited agent.

Some costs related to senior living at Harbor House may be tax deductible for both the resident and their family caregiver if they meet the Internal Revenue Service requirements. We encourage you to fully explore this opportunity and seek the advice of your tax advisor. You may also visit www.irs.gov, and particularly http://www.irs.gov/pub/irs-pdf/p502.pdf for more information on this potential benefit.