Home Care for Auto Insurance (HCAI)
Accidents can happen in an instant — but the road to recovery takes time, care, and support. If you’ve been injured in a motor vehicle accident (MVA), you may be eligible to receive home care services through Ontario’s Health Claims for Auto Insurance (HCAI) system.
At Memories+ Home Healthcare, we specialize in helping individuals and families navigate the challenges that follow an accident. Our goal is to make recovery at home comfortable, stress-free, and fully supported — so you can focus on healing while we take care of the rest.
What Is the HCAI Program?
The Health Claims for Auto Insurance (HCAI) program is a system developed by the Ontario government that manages medical and rehabilitation claims resulting from automobile accidents. It acts as the connection point between health care providers, insurance companies, and injured individuals.
If you were involved in a car accident, you may be entitled to receive funded home care and rehabilitation services under your auto insurance policy. These services are designed to help you recover physically and emotionally, regain independence, and safely return to your daily activities.
Memories+ Home Healthcare works closely with clients, insurers, and healthcare professionals to ensure that all necessary forms, assessments, and care plans are completed accurately and efficiently.
Who Can Access HCAI-Funded Home Care?
If you were injured in a motor vehicle accident in Ontario, you may qualify for funding under the HCAI system. Eligibility is typically determined based on:
- Injury Assessment: The nature and severity of your injuries help determine the level and type of care required for your recovery.
- Medical Recommendation: Your healthcare provider’s evaluation and prescribed treatment plan play a key role in establishing eligibility.
- Insurance Review: Your insurer assesses your medical and rehabilitation needs before approving coverage under the HCAI program.
Our care coordinators at Memories+ Home Healthcare will help you confirm your eligibility, communicate with your insurance company, and ensure that your home care plan aligns with your approved benefits.
Benefits of HCAI Home Care
Recovering from an accident at home offers many advantages compared to hospital or outpatient settings. The HCAI program, combined with our Memories+ Home Healthcare services, ensures that you receive personalized, comfortable, and effective support.
- Comfort and Convenience: Receive high-quality medical and personal care in your own home, surrounded by familiar comforts.
- Seamless Insurance Process: We manage all communication with your insurance provider — no need to stress about forms or approvals.
- Faster, Safer Recovery: Tailored home care plans help you regain strength, mobility, and independence at a pace that suits you.
- Emotional and Mental Support: Beyond physical recovery, our caregivers offer companionship, encouragement, and peace of mind.
- Covered Care Services: Most home care costs are funded through your auto insurance, reducing your out-of-pocket expenses.
- Direct Billing: As a registered provider of the Home Care for Auto Insurance (HCAI) program, we can bill most services directly to your insurer, saving you the trouble of upfront payments and filing claims.
How Memories+ Home Healthcare Helps
At Memories+ Home Healthcare, we do more than just provide post-accident care — we simplify the entire recovery process. Our dedicated team ensures that you receive the right care at the right time while taking care of all insurance and coordination tasks.
Home Care for Auto Insurance (HCAI)
We assist you with completing and submitting all necessary HCAI forms, treatment plans, and insurer paperwork ensuring a smooth, stress-free approval process without delays.
Personalized Care Planning
After approval, our care coordinators work closely with you to design a recovery plan that reflects your medical needs, daily routine, and personal comfort, helping you heal safely at home.
Qualified and Compassionate Care Providers
Our licensed nurses, PSWs, and rehabilitation specialists are highly trained in post-accident care and provide attentive, compassionate support that promotes faster and safer recovery.
Ongoing Monitoring and Communication
We maintain consistent follow-ups with you, your caregivers, and insurance representatives to ensure your treatment plan remains effective and is adjusted as your recovery progresses.
Why Choose Memories+ Home Healthcare
Recovering after an accident takes more than just medical care — it requires guidance, compassion, and a team you can trust. At Memories+ Home Healthcare, we combine professional expertise with a personal touch to make your recovery smoother, faster, and stress-free. Our commitment is to deliver care that restores not only your health but also your confidence and peace of mind.
Expertise in Auto Insurance Care
We specialize in HCAI-funded home care and have years of experience managing post-accident recovery, insurance paperwork, and coordination with adjusters — ensuring your care and claims process are handled seamlessly.
Comprehensive, Personalized Recovery Plans
From skilled nursing and rehabilitation to personal support services, each care plan is designed to fit your unique medical needs and lifestyle, helping you regain independence at your own pace.
Compassionate, Reliable Team
Our caregivers aren’t just professionals they’re dedicated partners in your healing journey. With empathy and attention to detail, they provide the comfort, motivation, and reassurance you need throughout your recovery.
Our HCAI Home Care Services
Memories+ Home Healthcare provides a complete range of care and rehabilitation services under the Home Care for Auto Insurance (HCAI) system.
Nursing Services:
- Wound and injury care
- Medication administration and management
- Pain monitoring and symptom tracking
- Post-surgical recovery assistance
Personal Support Services:
- Help with bathing, dressing, and grooming
- Light housekeeping and meal preparation
- Assistance with mobility and transfers
- Daily medication reminders
Rehabilitation Support:
- Collaboration with physiotherapists and occupational therapists
- Exercise assistance and strength training
- Guidance for mobility equipment and aids
Case Management & Insurance Coordination:
- Assistance with completing all HCAI forms
- Submission and tracking of treatment plans
- Coordination with adjusters and insurers for renewals
Cognitive & Memory Support Services:
- Memory-boosting activities
- Cognitive stimulation exercises
- Assistance with daily routines and reminders
- Support with focus and organization
Start Your Recovery Journey with Memories+
Your path to healing starts here. Whether you need daily care, nursing visits, or rehabilitation support, Memories+ Home Healthcare will guide you every step of the way. Let us handle the paperwork and care coordination — so you can focus on feeling better.
Frequently Asked Questions (FAQs) – HCAI Program
Depending on your insurance coverage, services may include nursing, personal care, rehabilitation, and case management.
Yes. A medical recommendation helps confirm your need for treatment and supports the approval process.
It varies by insurer, but we help speed it up by ensuring all documentation is complete and accurate.
Yes. We can transition you to private care services to maintain your recovery progress.
Yes. As an HCAI-registered provider, we can submit most claims directly to your auto insurance provider. You usually won’t need to submit any paperwork yourself.
Start Your Recovery Journey with Memories+
Your path to healing starts here. Whether you need daily care, nursing visits, or rehabilitation support, Memories+ Home Healthcare will guide you every step of the way.
Let us handle the paperwork and care coordination — so you can focus on feeling better.
Not sure where to start?
Ask us about funding programs: