Paying for In Home Care Services

When we receive a call at Home Helpers about in home care, one of the biggest concerns is, “How much will this cost?”.  Rest assured, we work to reduce costs as much as possible for each of our clients.

Most families, especially in our recent economy, think that they cannot afford to pay for assistance. So we’ve developed a list of questions that can act as a guide for families to find various resources:

First and foremost, we always ask if either of the potential clients were members in the military. Veterans could qualify for a number of benefits, depending on when and where they served as well as disabilities that may have developed. Some examples are: Aid and Attendance Pension, Disability Compensation, Home Health Aide, Respite, Adult Day Care or Skilled Nursing Facility.

Second, we ask if the potential clients have Long Term Care Insurance. Some insurance policies will cover all or a portion of the cost for home care. If they aren’t sure about coverage, we will assist them in every step of insurance claims processing.

A third resource is the Area Agency on Aging, which occasionally may be able to assist in getting services. You can learn more about this resource on our Online Resources web page.

The fourth option would be Medicaid. If the potential clients qualify, Medicaid can provide for Senior Care and In Home Care.  If a person is already receiving medical care via Medicaid, this is a likely option.

The fifth resource could be through a Reverse Mortgage where families could use their homes equity toward home care services.  Done properly, this can be an excellent tool for leveraging the value of a home.

Finally, it is very common for other family members, grown children for example, to pool their funds together and get the services that their parents may need.  For questions concerning home care, call Home Helpers at 704-909-7958, or visit our main web page for more information.