ALTCS vs. Private Pay—Which Option Is Best for My Family?

One of the biggest questions families face when exploring home care is:
“How do we pay for it?”

In Arizona, the two most common options are ALTCS (Arizona Long Term Care System) and Private Pay. Both have advantages, and understanding them can help you make the best choice for your loved one.

What Is ALTCS?

ALTCS is Arizona’s Medicaid-funded long-term care program. It’s designed to help individuals who meet financial and medical eligibility get the support they need at home, in assisted living, or in a nursing facility.

Who qualifies?

• Must be an Arizona resident
• Must require a “nursing home level of care”
• Must meet income and asset requirements

What does ALTCS cover?

• In-home caregiver services
• Nursing or assisted living care
• Medical equipment and supplies
• Home modifications for safety

At Good Neighbor Support Services, ALTCS members receive non-medical in-home care from certified Direct Care Workers who help with personal care, companionship, errands, and safety.

What Is Private Pay?

Private Pay means families cover the cost of care out-of-pocket. While it may sound overwhelming, many families appreciate the flexibility it provides.

Benefits of Private Pay:

• Immediate start—no waiting for approval
• Full control over scheduling and hours
• Ability to increase or decrease services as needed
• More choice in caregiver selection

Private Pay is often used by families who:

• Don’t qualify for ALTCS
• Need help while waiting for ALTCS approval
• Want extra services beyond what ALTCS covers

ALTCS vs. Private Pay: Side by Side

FeatureALTCSPrivate PayEligibilityBased on income + medical needOpen to everyoneStart Time45–60 days (approval process)ImmediateCostCovered by MedicaidOut-of-pocketFlexibilityLimited to program guidelinesFull control of schedule & servicesCare OptionsAssigned caregiver optionsGreater caregiver choice

How Good Neighbor Supports Families

At Good Neighbor Support Services, we work with both ALTCS and Private Pay families. Many of our clients even start with Private Pay while waiting for ALTCS approval, then transition seamlessly once approved.

Here’s why families choose us:

• ✅ Certified Caregivers: Every caregiver completes a one-week DCW certification before working in homes.
• ✅ Dependability: Ongoing background checks ensure safe, reliable care.
• ✅ Flexibility: Whether you need a few hours a week or daily care, we’ll create a plan that fits.
• ✅ Experience: With 20+ years in Arizona, we’ve helped thousands of families navigate their care options.

In a Nutshell

ALTCS provides government-funded care for those who qualify, while Private Pay offers immediate and flexible options for any family. At Good Neighbor Support Services, we support both—helping you find the right path for your loved one’s care needs today and tomorrow.

📞 Call us at 623-932-4878 or visit www.gncares.com to explore your options.

‍