Community Blog

How to Pay for Home Health Care

By Owner

paying for home care

As an adult child of a senior citizen, you may notice that your loved one is beginning to have trouble with activities of daily living like dressing, bathing, eating nutritious meals and taking care of housework. Some seniors become confused about taking their medications. When people age they may also withdraw from the leisure activities they once enjoyed, and they spend much of their time alone. While a live-in facility like an assisted living or nursing home facility may be an option, many seniors can benefit from in home care from a home health care professional to help them remain at home.

Controlling Costs

Assisted living costs and nursing home costs can amount to thousands of dollars every month. Choosing a home health care companion to help your loved one at home may be the ideal solution. Home health caregivers provide pleasant companionship and they assist with activities of daily living by helping seniors with personal hygiene and cleaning up around the house. They also encourage seniors to participate in social activities and they can arrange for transportation.

Making Use of Resources

Home health care can be a cost-effective option, especially if your loved one has a long-term care insurance or qualifies for veterans benefits. To offset the costs, it is important to understand the resources that are available.

  • Long-Term Care Insurance

For elderly people without the serious medical issues that may be covered by Medicare, Medicaid or private health insurance, long-term care insurance is a good option to pay for home health care. The key point is that the long-term care insurance policy must have been issued prior to major mobility and health issues. It is important to read the entire policy and contact a reputable health care agency to evaluate the plan and determine its benefits. A good long-term plan can guarantee that your loved one will have complete home health care coverage when it becomes necessary.

  • Veterans Benefits

The US Department of Veterans Affairs, commonly known as the VA, provides a Veteran Affairs Aid & Attendance Pension that reduces or covers home care costs for qualified veterans and their spouses. The so-called A & A Pension benefit can provide a substantial amount over and above the regular VA pension. Even if the veteran does not qualify for the additional A & A benefit, the VA will allow the veteran to deduct the cost of in-home care when calculating regular VA pension.

  • Private Pay

Individuals who need non-medical home health care who do not have a long-term health care policy and who do not qualify for veteran’s benefits may have to pay for home care privately. Social security benefits, pensions and savings are typically used in this situation. Eventually, as these resources decrease, other options may become available to help pay for home health care.

  • Home Equity Loan and Reverse Mortgage

In cases where there is equity that has built up in the senior’s home, there may be additional options to pay for home health care expenses. It may be possible to access home equity while the individual remains at home by securing a home equity loan or a reverse mortgage. It is a good idea to get professional financial advice before taking these steps, since they can involve issues like interest rates and fees.

Getting Help

When you need home health care for your loved one, contact Home Helpers of South Shore at 781-585-1244. Learn about the support we provide to make life easier and allow your aging parent to remain at home.

We serve the following communities:

Abington , Braintree , Brockton , Buzzards Bay , Carver , Cohasset, Dighton , Duxbury , Falmouth , Halifax , Hanson , Hingham , Holbrook , Hull , Humarock , Kingston , Lakeville , Marshfield , Mashpee , Middleboro , Norwell , Pembroke , Plymouth , Plympton , Quincy , Randolph , Rockland , Sandwich , Scituate , Taunton , Wareham , Weymouth , Whitman