Paying For Home Health Care

home_healthcarePaying for home health care is at its easiest, financially, when covered by Medicare or an insurance plan that covers home health care.

If a senior citizen’s home care is medically necessary, and a doctor or other medical professional has issued a referral, their treatment may be covered by Medicare. Though federally-funded, Medicaid policies do vary slightly from state to state, so it’s important to familiarize oneself with them long before home care is ever necessary, so as to better protect oneself from not being covered.

If one’s treatment isn’t medically necessary, it may still be covered under their current health insurance plan. It’s always best, when considering an insurance plan, to check its benefits carefully, and factor whether or not it covers home care into making a decision. If one is unsure about their insurance plan’s home care coverage, it’s important they contact their insurance company for clarity, then base decisions about future patronage on that info.

Unfortunately, many don’t have the luxury of being incredibly discerning when choosing an insurance policy, or simply have never considered their home care coverage status. Unfortunately, most Americans’ insurance plans won’t cover in-home care, and trying to newly insure someone in need of home health care can be costly or impossible.

For those without the proper insurance or medical necessity, home care services often have to be paid for out-of-pocket. This, of course, can be a huge financial burden on a middle-class American family. Fortunately, there are several programs that can provide some assistance with paying for home health care services.

Additionally, if the senior is a veteran of the US Military (or the spouse, dependent, or widow of one), and their treatment is medically necessary, they may qualify for financial assistance from the U.S. Department of Veterans Affairs.

If the senior in need of care is of low enough income that Medicare would assist in covering their stay at an assisted living facility or nursing home, they may be eligible for subsidized home health services as an alternative.

It’s also likely that countless non-profits exist in your community that provide no- or low-cost services to the elderly such as meal delivery, socialization and companionship, house cleaning and maintenance, and transportation assistance. These organizations can likely be found through the internet, or by contacting a local senior center or advocacy group.

Of course, if one has to pay for home care out-of-pocket, it goes without saying that one of the best ways to lighten the burden is to find a less expensive provider. It’s important, when seeking out affordable home health in Dallas, that one always considers the quality of the services provided. While the cost of caring for a loved one should be a major consideration, what really matters is how well a loved one is being cared for. It’s their health and happiness that truly matters.

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