Home Care Funding in Redmond
Find out if you qualify for funding to cover home care in Redmond, Washington.
Check My Funding — FreeThe Cost of Aging in Redmond
Redmond transformed from a quiet rural town into one of the tech capitals of the Pacific Northwest, and the families who helped build it are now facing a challenge nobody planned for: paying for care at home. Home care in Redmond costs $55 per hour, and a typical care plan — morning and evening assistance, medication management, meal prep — runs $5,000 to $8,000 per month.
For many Redmond families, the situation looks like this: Dad retired from Microsoft in 2010 with a solid 401(k) and a house in Education Hill that's now worth a fortune. But he's 82, his dementia is progressing, and the savings that seemed like plenty are evaporating at $7,000 a month. Mom is doing her best, but she's exhausted, and she can't keep doing this alone.
The cruel irony of Redmond is that families who worked hard and saved responsibly often fall into a gap: too much income or too many assets for Medicaid, but not nearly enough liquid cash to fund years of home care. A $1.5 million house doesn't help when the monthly care bill is due and you can't exactly sell a bedroom.
What most families don't know is that there are programs designed specifically for this situation — and Redmond residents have access to some unique options that families in other cities don't.
Funding Sources Available in Redmond
We screen for 33 programs. Here's what Redmond families use most:
Long-Term Care Insurance — Microsoft and Tech Employer Policies
Redmond is the epicenter of employer-sponsored LTCI in Washington state. Microsoft offered group long-term care insurance to employees for decades, and many current and former employees hold policies that could pay $150 to $500+ per day toward home care. Nintendo of America, which is headquartered in Redmond, offered similar benefits. If your parent retired from a Redmond tech company, check their benefits statements — there's a meaningful chance a policy exists that's been collecting dust. We help families locate policies, file claims, navigate elimination periods, and maximize daily benefit amounts.
VA Aid & Attendance — Up to $3,740/month
Marymoor Park hosts the annual Veterans Day commemoration, and Redmond has a proud veteran community. For veterans or surviving spouses who need help with daily activities, the VA's Aid & Attendance pension provides up to $3,740 per month tax-free. This is separate from VA healthcare — it's a cash benefit that can be used to pay any home care provider, including private-pay agencies. A Place At Home is also an approved VA CCN provider, so veterans can receive additional VA-contracted care hours on top of A&A.
PACE (Program of All-Inclusive Care for the Elderly)
Redmond is home to one of Washington's nine PACE centers, making it one of the best-served cities in the state for comprehensive senior care. PACE provides medical care, social services, adult day programs, and in-home support — all under one roof. If your parent qualifies for nursing-home-level care but wants to remain at home, PACE covers everything with no copays and no deductibles for those who qualify through Medicaid or Medicare. The Redmond PACE center is a resource that families in other Eastside cities have to drive to access.
WA Cares Fund — $36,500 Lifetime Benefit
Given Redmond's massive tech workforce, a significant number of residents have been paying into the WA Cares payroll tax since it launched. Starting July 2026, workers who paid in and need assistance with three or more daily activities can draw on up to $36,500 in lifetime benefits. For families already paying privately, this can offset three to six months of care costs.
TSOA — $830/month
The Tailored Supports for Older Adults program is designed for Redmond's middle-income seniors — the ones who worked their entire careers, saved diligently, but don't qualify for Medicaid. With income limits of $3,868/month and an asset cap of $77,000, TSOA provides up to $830 monthly for home care services. No Medicaid application, no estate recovery, no look-back period.
Life Insurance Conversions & Home Equity
Redmond's high property values create a unique funding option: reverse mortgages and HELOCs that convert home equity into care funding. A HECM reverse mortgage on a Redmond home worth $1.2 million can generate a substantial monthly income stream with no monthly payments required. Life insurance settlements are another fast option — converting a policy that's no longer needed into 25-90% of its death benefit in cash within weeks.
How It Works
- Take the 2-minute screener. We ask about military service, insurance, income, home ownership, and care needs.
- See your matched funding sources. Instantly view which of 33 programs apply to your family's situation.
- Book a free Benefits Profile consultation. A care funding specialist digs deeper into your strongest options.
- Get a complete funding analysis. We map every available dollar, including stackable benefits that multiply your coverage.
- Start care with confidence. No more guessing — you'll know exactly how care is paid for before it begins.
About A Place At Home — Serving Redmond
A Place At Home provides non-medical home care across Redmond, from Education Hill and Bear Creek to Overlake, Idylwood, and the Willows Road corridor. Our caregivers help with personal care, companionship, medication reminders, transportation to EvergreenHealth Redmond or Group Health, meal preparation, and light housekeeping.
Our office is in nearby Kirkland at 11335 NE 122nd Way, Suite 105, Kirkland, WA 98034 — just 10 minutes from downtown Redmond. We are an approved VA Community Care Network (CCN) provider. Our rate is $55 per hour with a 3-hour minimum.
Passionate Professionals. Compassionate Care.
Think you can't afford home care?
Let's check.
We screen for 33 funding sources in 2 minutes, for free. VA benefits, LTC insurance, life insurance conversions, WA Cares Fund, and more. No obligation.
Learn More About Funding Options
Home Care Funding in Other Cities
Questions? Call us at (425) 553-3775