BY: Robert Gundic
Owner, Caring Companions
According to longtermcare.gov, Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years.Most people will need almost 2 years of home care, on average.
Concerns of paying for home health care services are rising almost as fast as the costs of health care in this country. Rest assured you are not alone if you experience angst resulting from concerns with affording home health care.
You have several options to make home health care care affordable for you without sacrificing Care or service. Several of these options are currently offered by Caring Companions.
The most straightforward of these options is most certainly private pay. Private pay clients can request either medical or non-medical services, which subsequently is the difference between home care and home health care, as well. Many companies, including Caring Companions, will typically offer variable rates based on services requested as well as reduced hourly rates once the level of service exceeds certain amounts of hours per week.
Private pay can be used to supplement insurance claims. So, for instance, your insurance may pay for 12 hours of 16 hours of need. In that case, the client would be responsible to pay for 4 hours of service out of pocket.
Clients over 60 that qualify for medicare, which typically means earning less than $2130 per month for an individual, may also qualify for Medicare or Ohio's PASSPORT program.
Medicare can help to supplement insurance claims or pay, in full, for home health services; home health services being those services that are ordered and determined by a licensed physician. Home health services include services such as wound and foot care.
PASSPORT on the other hand is for non-medical home care. These services can include companionship, medication reminders, errands and so on. Besides age and income requirements, PASSPORT eligibility is also determined by the total cost of home care that is needed. According to aging.ohio.gov, services needed at the time of application cannot exceed 60 percent of the cost of nursing home care.
Many home health care agencies can help you to sort out all of the details of these different programs. Some will even help you to determine eligibility and to apply completely free of charge. If you have any questions or comments feel free to contact Caring Companions via email or phone.
Thanks for reading!
Categories: Affording Home Health Care Services