How Do I Pay for Home Care Services
Medicare, Medicaid and most employer-sponsored HMO and PPO plans will only reimburse you for intermittent visits from a home care nurse on a temporary basis and only when your loved one has a specific qualifying medical diagnosis. In general, these types of insurance policies are not designed to pay for ongoing, hourly caregiving services that are classified as “Long-Term Care.” (Use the Official Medicare Eligibility Tool to learn more.)
That said, there are many other financial options available to you in order to pay for ongoing care services:
- Long-term care insurance
- Reverse mortgages
- Employer-sponsored Health Savings Account (HSA) or Flexible Spending Account (FSA)
- Employee-sponsored caregiving stipends, such as "Back-Up Care" programs for employees who are adult caregivers and travel for work
- Family trust funds
- Workers' compensation insurance
- Catastrophic auto insurance
- State-subsidized home- and community-based services, often referred to as "Medical Waiver" programs. (Age and income qualifications do apply.)
I wanted to thank Right at Home for helping take care of my grandmother after she fell and broke her toe. She had a care taker named Myrial who was absolutely wonderful and took great care of my grandmother during a time where she could not care for herself.
Myrial was attentive, caring, personable and professional. Everything you could ever ask for when needing someone to take care of one of your loved ones.
If we ever need any care taker services in the future, we will not hesitate to contact Right at Home! Thank you!
- Oct 20, 2016 Read Full Entry »
- Oct 18, 2016 Read Full Entry »