The Cost of In-Home Care
Finding the right home care services for your loved one is a complex process that takes time and patience. We’re here to help you build an effective care plan you can afford.
Your loved one deserves effective health services.
MDC Healthcare Offers Affordable Home Care
Private Insurance
Long-term care insurance covers senior care services like in-home care. Coverage varies depending on factors like the insurance provider and the beneficiary’s age when signing up for the policy. Most care insurance plans cover care once a beneficiary needs assistance with at least two activities of daily living. As a result, older adults who only need companion care services may not be covered by their long-term care plan.
If you aren’t sure whether your private insurance plan covers the cost of in-home care, MDC Healthcare can consult with you free of charge and determine how you can get the care services your family needs.
Private Pay
Private pay is an option for those who have the resources. Although this option carries the most financial burden, it’s also the most streamlined. According to Genworth Financial, the national average monthly cost for a home healthcare aide is $4,576 and $4,481 for homemaker services.
If you’re interested in using private pay to finance home care services, MDC Healthcare can work with you to assess your needs and build treatment plans that meet your care and budgetary requirements. We’re your resource for medical services, helping you every step of the way.
Aid and Attendance
Eligible veterans may use the Aid and Attendance benefit to cover the cost of in-home care services. The Aid and Attendance benefit is an additional monthly payment that some veterans receive along with their regular pension. The funds do not cover in-home care directly, but can cover the cost of a veteran’s care plans.
Veterans need to meet several requirements to qualify for Aid and Attendance. In addition to being eligible for the Veterans Affairs pension, clients need to meet one of four criteria, such as requiring assistance to complete activities of daily living. The benefit amount depends on several factors.
Medicaid
Medicaid covers in-home care for qualifying individuals. For Medicaid to provide coverage, older adults and others need to have a medical and financial need for care at home. Older adults may take a medical evaluation to assess the type and level of care they need to live at home. Families in need of financial assistance can also use a Home- and Community-Based Waiver (HCBS) program to self-direct their home healthcare services.
72% of nursing home residents in Georgia use Medicaid to cover the cost of care. Medicaid makes essential medical services like assisted living facilities and home healthcare affordable for families. If you need assistance using Medicaid to cover in-home care, the care coordinators at MDC Healthcare are available for consultation.
Medicare
Medicare doesn’t cover standard home care programs like senior companion care or personal care services. However, Medicare does cover in-home healthcare with limitations, provided the client meets several requirements.
To be eligible for in-home healthcare through Medicare, the care recipient must:
- Be under the care of a doctor and receive services under a plan created and reviewed routinely by a doctor
- Have doctor certification that they need intermittent skilled nursing care or therapeutic services, or are homebound
- Receive care from a Medicare-certified home healthcare agency
Medicare doesn’t cover personal care services if that’s the only type of care the client needs, but will cover the services if they’re in combination with the skilled nursing or therapeutic services of a Medicare-approved home healthcare agency.
How Medicaid Covers the Cost of In-Home Care for the Elderly
The Community Care Services Program (CCSP) allows older adults and those living with an injury or illness to live in their home or community instead of an assisted living facility. Individuals who receive care at home through the Elderly and Disabled Waiver must qualify for Medicaid and meet the following requirements:
- Qualify for the level of care offered by a nursing home
- Have needs that can be met by the program within the cost outlined by the care plan
- Have limitations that make independence and performing activities of daily living difficult
We Help Clients Negotiate In-Home Companion Care Costs
Senior companion care services are for older adults who live alone and don’t require physical assistance to complete activities of daily living like bathing, grooming, or eating. Companion caregivers provide emotional support and companionship to older adults who feel isolated in their situation. If your loved one needs companion care, we work with your family to understand your needs and assess avenues for payment. Whether you use private pay, Medicare, Medicaid, or private insurance, we help you find a way to get the medical services you deserve.
Independence, Safety, and Comfort for Your Loved One
MDC Healthcare enables your loved ones to live comfortably at home for as long as possible. For years, our caregivers have helped the elderly stay with their families and lead enriching social lives. No matter your cultural or financial needs, we can take care of you.
To Keep Your Loved One Comfortable at Home, You Need
Comprehensive Home Healthcare Services
Therapeutic Services
Living with an injury or health condition that makes everyday tasks difficult is stressful. MDC Healthcare’s therapeutic services help clients manage pain and prevent reinjury.
Adult Day Care
We offer adult day care services throughout Georgia, giving your loved one a chance to engage in social activities and enjoy a hot meal while you handle other matters.
Home Care Services
Your loved one’s comfort and independence are important. MDC Healthcare’s personal care, senior companion care, and respite care services are designed with your family member’s happiness in mind.
Independence, Safety, and Comfort for Your Loved Ones
MDC Healthcare enables your loved ones to live comfortably at home for as long as possible. For years, our caregivers have helped the elderly stay with their families and lead enriching social lives. No matter your cultural or financial needs, we can take care of you.
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