Paying for Home Care - Who Pays for Home Care?
David York Home Healthcare Agency strives to make home care as affordable as possible. We are sensitive to these demands while also weighing the concerns for our clients’ health, safety and well-being.
There are many resources that may be available to cover the costs for home care services, and our home care agency is well versed and a recognized expert with these forms of payment.
But is a home health aide covered by insurance? There are many different types of insurance with different long-term care coverage for home health aide services.
- Private Health Insurance – Every private health insurance company is different, but many will pay for certain home health care services. Services usually need to be medically necessary and sometimes a private health insurance provider will require a pre-approval for a home health aide.
- Medicare – Medicare Insurance has strict rules for home health aides. They will cover intermittent skilled nursing care, in-home physical or speech therapy, occupational therapy and more. These services must be under the management of a doctor and must be reviewed regularly by him or her. Medicare does not cover 24-hour in-home care or homemaker services.
- Medicaid – Medicaid coverage can vary state by state. The New Jersey Medicaid program does cover in-home care services for personal care assistants and certified home health aides. However, to be eligible for these services, it must be medically necessary. There is also a stipulation that the person receiving the care should be in stable condition. This means that they are not expected to undergo sudden deterioration or improvement. The coverage is meant for those needing long-term in-home care.
- Long-Term Care Insurance – Long-term care insurance is private pay insurance that can assist in reimbursement for home care costs if an individual meets the eligibility criteria in the policy. This insurance covers care not covered by private health insurance, Medicare or Medicaid and protects your savings accounts from becoming depleted by the steep cost of long-term home care. The insurance must be purchased while the patient is fit, that is, before long-term care becomes necessary. LEARN MORE ABOUT LONG TERM CARE INSURANCE BENEFITS HERE
Getting the right in-home care is important. There are many different insurance plans available and it is always prudent to check with your carrier regarding eligibility criteria, deductibles, and reimbursement. Contact your insurance representative, financial advisor, and friends about the choices available. You may also want to contact a home healthcare provider like David York Agency to ensure the policy you choose is compatible with the home care they provide.
Your Trusted Source for Home Care and Support Since 1984
When you are faced with the challenge of finding the best in-home care provider in northern New Jersey to help care for the emotional and physical well-being of someone you love, maybe your mom or dad, you will want to be confident that you are making the right choice.
At David York Home Healthcare Agency, extraordinary service is what sets us apart from other companies who provide in home health care services. Whatever your care needs, we are there for you, always striving to exceed your expectations.
We provide our home care, senior care, dementia care and specialized in-home care services throughout the northern New Jersey counties of Bergen, Essex, Hudson, Morris, Somerset and Union, including the towns of Franklin Lakes, Paramus, Ridgewood, Livingston, Verona, Secaucus, Morristown, Berkeley Heights, Cranford and Springfield. For a complete list of areas where we provide in-home care and support services for seniors, elderly adults and people of all ages, please visit our Service Areas page.