Affordable Home Care Services
Whether you require ‘round-the-clock nursing care, short-term recovery care, companionship, or just help with personal care and housekeeping, home health care services can help keep you living safely in the home of your choice with comfort, independence, and dignity.
At, Ask A Home Care we offer both hourly and flat-rate services to meet your care needs. During our Initial Care Consultation, we will discuss and draw a tailormade care plan based on yours and your loved one’s specific care needs and meeting both your family’s lifestyle and budget.
We are willing to work with you and your family to plan appropriate payment options for your home care services.
Multiple ways of home care
payments are explained below
1.
Long-Term Care Insurance
Some long-term care insurance policies cover certain in-home care services. Check your policy to see if it covers the services you need at home. We work with many long-term care (LTC) insurances companies to bring you the covered services you need over the short or long term.
2.
Medicare
Medicare is one of the largest payors of home health care services. To be eligible, you must be age 65 or over, or defined as “disabled” for two years for Social Security purposes or be an individuals who qualify as low-income in their state. The Medicare home health benefit is designed to help with recovery from an injury or illness, to manage a chronic condition, or to help with other short-term, intermittent needs.
3.
Medicaid
Medicaid is a joint state and federal program that provides health coverage to seniors with low income and limited assets. Benefits are administered on a state level, so eligibility requirements and covered services can differ greatly.
4.
Public Benefit Programs
If your loved one lives on a limited income with few assets, he or she may qualify for home care assistance through multiple public benefit programs.
5.
Volunteer Assistance
To offset elder care costs, we try to recruit volunteers who are willing to help the community members and extend their general care services such as running errands and chores and some personal assistance without costing you based on your qualification.
6.
Care Sponsors
In order to serve our community equally between the rich and less fortunate, you can also depends on the generosity of well doing community members who are ready to sponsor a care for the deserving.
7.
Veterans Administration Benefits
The Veterans Administration also offers financial programs that pay cash to veterans and/or their spouses. These funds may be used to help pay for home care for veterans. If you or loved ones served in the military or were called to active duty while a member of the Reserves or National Guard, he or she may qualify for Veterans Administration (VA) health care benefits.
8.
Private health Insurance
If you or loved ones have private health insurance, check your policy coverage for home health care, as it varies from plan to plan. Most private insurers will cover the costs of short-term care after a surgery or an injury not directly related to an auto or workers compensation accident. High deductible plans tied to health savings accounts may offer tax advantages, so ask about that benefit as well.
9.
Private Pay
Many individual clients and/or their families pay for home care from their own assets, investments or savings. Some family members each contribute to together pay for their loved one’s caregiver costs. Liquidating possessions that a senior no longer uses such as vacation homes, vehicles, boats, land, livestock, etc. is another source of finances for home health care. Accessing equity in the loved one’s home is also a common financing option.
10.
Other Sources
If you or loved ones require care and/or rehabilitation because of an auto accident or job-related injury, then workers compensation, auto insurance, an employer or consumer insurance plan may pay for home health care services. Retirement income, savings, stocks, home equity, or gifts from family members are all possible sources also to help cover the cost of home health care.
Our focus is on creating close, trusted relationships with families and designing personalized care plans that evolve to meet the needs of our clients over time. Paying for customized, concierge care can be more affordable than you think! All you need is to make a proper planning.
It’s often a confusing and burdensome process to figure out if your insurance or the Veterans Administration will cover the home care services you need. We’re here to help. We can help you find out if you qualify for any VA programs.