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How To Pay For In-Home Care

Nothing can be as draining on an individual’s or a family’s budget as having to pay for in-home care. If you find that your loved one is not capable of caring for themselves alone, the thought of hiring someone may be overwhelming. The good news is that you don’t have to shoulder the costs on your own. Why your loved one needs in-home care might be the key to finding resources to help your financial situation.

The difference between home care and home health care

Home care is provided when an individual needs help with daily tasks like housekeeping, groceries, errands, transportation, bathing, and dressing. Home care requires that someone help in a non-medical way, meaning that they are more of a companion who is there to assist.

Home health care is when someone requires the aid of a medical professional to monitor their health. Home health aides provide nursing care and require more than just the skills necessary to perform home care needs. If your loved one requires home health care, then there are times when private insurance will help to cover the costs of care.

Financial assistance for home care

In some situations, it is possible to get financial assistance for in-home care. Financial assistance might come from resources like:

  • Medicare benefits
  • Veterans’ programs
  • State non-Medicaid-based programs
  • Medicaid
  • Other agencies that operate with special needs and disabilities that are privately funded

If you don’t qualify for financial assistance, then there are options to help pay for in-home care. Self-payment might require that you find resources through:

  • Taking out a reverse mortgage that ends up paying you monthly
  • Converting a life insurance policy
  • Loans that are specifically designed for home care
  • Long-term care insurance benefits

In-home care can be a financial burden on an individual or family members. If you are looking for help finding resources to care for your loved one, contact Halikierra Home Care at (888) 243-1319 to see what options might be available.

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