How To Afford Elderly Care in the Comfort of Your Home

In-Home Care Costs and Ways to Pay

There may come a time in every aging person’s life when they need medical care while living at home. This need will usually not arise at a convenient time for your loved ones, who still have their own commitments they are responsible for. This is when hiring a health care professional becomes necessary. No matter what your individual needs are, it is important to note that an obstacle to receiving at-home care will be paying for it.

The Type of Care You Need

Are you still very independent and just need help with transportation? Or, are you facing a serious health crisis? The cost of home care services Massachusetts will strongly depend on the type of care required. Make sure to talk with your doctor and loved ones to determine the type of care that is best for you.

Medicare Only Covers Certain Care Tasks

The good news is that Original Medicaid/Medicare will help cover expenses such as wound care, intermittent nursing, and disease management. Also, unlike with hospital stays, there is a $0 copay and deductible for home healthcare when you are eligible for Medicare. The bad news is that personal care such as bathing and shopping will not be covered. These may require out-of-pocket expenses.

Medicare Part A and Part B

It is important to note that Medicare Part A and Part B cover different types of care and require different levels of eligibility. Part A may cover rehabilitation therapy, while Part B may cover medical equipment and supplies. People who qualify for parts A and B may receive home health coverage, but copayments may be required.

To get started, you should read your current health insurance policy to see what is already covered, then apply for additional assistance if needed. Be honest with your doctor and loved ones about your needs and do not hesitate to find the care you deserve.

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