Circles of Care: How to Set Up Quality Home Care for Our Elders
Most seniors, given a choice, would prefer to remain at home rather than go to a nursing home. This book by a caregiving cons...
Read moreChoosing the correct home care provider for your aging parents is a huge responsibility. This person will be looking after the needs of those who taught you to walk, talk, and care for yourself. To ensure your parents are well cared for in their golden years, consider the following as you seek out the perfect fit for a home care provider:
1: Decide What Services Your Loved One Requires
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All home care is not identical. The amount of care your parents require determines the availability and cost of the services. If your parent only needs temporary care a few hours a day, you may need to employ a different provider than if they are recovering from surgery.
Observe your parents’ needs before you commit to paying for a home care plan. Home care services can range from an aide coming into your parents’ home and sitting with them to providing medical services like ensuring that they take their daily medications.
The more intensive the services your parents need, the more money the service will cost. If Medicare does not cover your parents, you may end up footing the bill for the service. Make sure the services are within your budget before committing to a home care plan.
2: Do Your Research
It is important to have all the facts about a home care agency before you bring one into your parents’ home. A part of your research should include interviewing different agencies about what services they offer. You should streamline your search based on what services your parents require.
Make sure to ask the agencies you connect with about what they offer or what services they claim as specialties.
3: Get It Paid For
Medicare covers services for patients’ home care needs if the patient meets eligibility criteria. Patients eligible for home care coverage include those meeting the following criteria:
Patients currently under the care of a doctor
Patients whose doctor certifies that they are homebound
Patients in need of physical, speech, or occupational therapy who are under the care of a doctor, have a plan of care that is continually reviewed by a doctor, and require intermittent skilled nursing care
Coverage is for services that are necessary and reasonable to treat an illness or injury, including such services as:
Physical therapy
Skilled nursing care
Certain durable medical equipment
Medical supplies for in-home care
Medical social services
Injectable osteoporosis drugs specifically for women
Speech therapy
Medicaid, meanwhile, varies by state, and each state may have multiple Medicaid programs. Medicaid State Plans in most states will pay for some form of home care.
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Having all the facts about possible services is important before you commit. Consider the above steps to ensure that you make the best decision for your family so that your parents are cared for during their golden years.
Consider consulting with an elder law attorney in your area if you need more information on securing home care.
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
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READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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