Staying Home Longer

For most seniors, the goal is to stay in their own home for as long as possible. Perhaps a more reasonable goal would be to stay in your home as long as it’s safe. There are certain dangers in remaining at home for older adults, especially if they live alone. Home healthcare services can help make staying at home safer and healthier for an older adult.

StayingHomeSome of the biggest issues for seniors who wish to stay in their own home have to do with physical safety, household maintenance, social isolation, health care and personal care. All can pose a threat to the bodily health or emotional, mental state of an older adult. Most of these challenges can be effectively addressed for a significant length of time with in home care for elderly loved ones.

Health and Personal Care

When a senior begins having trouble performing the Activities of Daily Living (ADLs), it is time to consider help. It’s often the little things like oral and dental care, grooming and bathing that being a senior citizen to care facilities. The ability to take care of these items on a daily basis often determines whether or not a senior can safely remain at home. A qualified home health care aide will ensure that a senior’s personal care needs are met. Medically, even with a good memory, it’s easy to forget a dose of medication. The home health aide can remind the client to take their medication, thereby ensuring that a senior’s medical needs are met.

Household Maintenance

For some seniors, running the vacuum or mopping the floor is an arduous if not impossible task. Simple home upkeep can be overwhelming and small repairs often go undone. Even making a nutritious meal seems too much to do. A little help with light housekeeping and meal preparation can help a senior stay in their home.

Social Isolation

Never discount the value of companionship and conversation. Personal interaction makes a huge difference in a person’s attitude and mood. A home health aide can accompany a senior on a walk, a few errands or a fun outing and help keep them safe while providing much-needed social opportunities.

For those seniors who wish to remain in their current homes, home health aide and care services can help make that wish come true.

When home healthcare becomes necessary, David York Agency provides skilled home health aide services. Visit our website at David York Agency – providing healthcare professionals to the elderly and infirm, with the highest degree of personal service. Call us at 718.376.7755

Paying for Home Health Care

Home healthcare service is ideal in a number of different situations, but many worry about how to pay for it. Often these services must be handled out of pocket which is not easy given its cost and today’s economy. Fortunately, there are options that could help you pay for the home healthcare that is so desperately needed.

Medicare

pay for home healthcareFor seniors, Medicare will typically cover the cost of some healthcare services. There are, however, conditions. Individuals must be homebound, which means they are either unable to leave home or leaving home requires the help of another individual. The person must also require skilled services. While home healthcare services can assist with things like bathing and meal preparation, these are not typically considered skilled services. Instead, those are services that must be provided by a certified professional like a home health aide. Medicare will look at the orders of a physician, the complexity of the service required, and the patient’s condition to decide if this is a necessity. The final qualification for Medicare to pay is that the care has to be intermittent in the patient’s home. It cannot be required all of the time or for an extended period.

Private Medical Insurance

Private insurance may also pick up the cost of home healthcare, but there’s usually a copay involved in this service. As with Medicare, there are typically a number of other requirements including the need for medically necessary, skilled care. It also typically has to be short term in nature. The key is to talk with your insurance company to learn more about the available benefits when it comes to home healthcare services, what’s allowed and what may not be covered, and how to make sure you’ve properly applied for those benefits.

Long Term Care Insurance

These policies are designed to cover care that is not covered by the other options. As long as the patient is not able to perform two activities of daily living such as bathing, dressing or eating, you should be able to utilize a long term care insurance plan. There are many plans available with various levels of coverage depending upon what you sign up for. It is best to commit to this in your 40’s and 50’s while you are still healthy as the insurance company prices out these products to customers based upon their medical risk profile.

Public Benefit Programs

Other public benefit programs outside of Medicare may also be able to help with the cost of home healthcare. Medicaid and VA benefits may be used to cover doctor-prescribed care. Individual states also sometimes have programs to help offset some of the associated costs. Most of these, like Medicare and private insurance, have some rules that must be followed before home healthcare becomes a covered option.

HSAs

Home health care can typically be deducted from a Health Savings Account (HSA). If you or a loved one has a qualified insurance plan that has an HSA attached to it, talk to your tax advisor to learn more about whether the money in that HSA can be used to cover medical expenses associated with home healthcare.

There are many ways to cover the cost of home healthcare, but talking to a professional can help you decide what may work for you is the best way ensure you get covered for home healthcare.

At David York Agency, we are well versed in the myriad of ways to finance your home healthcare needs. You can all us anytime to discuss your specific case. David York Agency has caring and compassionate individuals on staff who can work with the patient or the involved physicians to make certain excellent care is provided in every situation. To learn more about whether we can help you meet your needs or those of a family member, please contact us for a free consultation today at 718-376-7755 or visit us at our website at David York Agency. You can also like us on Facebook or follow us on Twitter, Google + or LinkedIn.