Long Term Care Insurance is a secondary policy one would have received as an employee benefit or purchased years ago for the specific reason of In-Home Care (or for Independent Living Facilities, Assisted Living Facilities, and Board-In Cares).
Long term care insurance refers to a variety of services that aren’t covered by regular health insurance, including help with activities of daily living like bathing, meal preparation, and light housekeeping. If your senior family member has long term care insurance, the benefits can be life-changing.
Affording In-Home Care with Medicaid
When considering at-home care, people often wonder if they will be able to afford it. While many misconceptions exist about the types of coverage available for care in one’s own home, we at All Seasons Homecare want to help clarify which services are covered by Medicaid so that you and your family can make the wisest decisions possible as you navigate securing the best assistance for your loved one. We are also happy to talk through your options over the phone.
Whether you are looking to provide at-home care services for an elderly loved one, a friend recovering from surgery who needs some extra help at home, or a relative with a chronic disease, there are many excellent resources available to provide the answers you need about costs and coverage. If someone is eligible for medicaid, they may be able to use it to cover the cost of non-medical assistance at home.
Many people wonder, “Does Medicaid cover in home care?” and “How does one go about finding out which services are covered?” The tricky part of these questions is that Medicaid services and insurance coverage varies from state to state. Since All Seasons Homecare is located in Northern California, we will focus on California for the purposes of this article, but if you live in a different state, you can access more information here.
The Value of In-Home Care for Seniors
All Seasons Homecare offers many of these in-home services that Long Term Care Insurance either fully or partially covers. Coverage may range from simple visitation and social companionship to preparing medications, meals, and helping with personal care needs. Senior living can include the independence of staying in one’s own home with dependable, non-medical assistance!
At-home care is best for the mental well-being of both the individual and caregivers as it allows the person needing assistance to remain in their home as long as possible while providing family and friends both support and peace of mind. To learn more about the benefits of home care for elderly in their own homes, visit our recent blog post on the subject. If your loved one does not have a Long Term Care Insurance policy it is still possible to provide them with quality in-home care that doesn’t break the bank when you work with us.
Reach Out to Us!
All Seasons Homecare serves the greater Bay Area of Northern California and has a dedicated team of caring, respectful, experienced staff members who work as a family to become part of your family. We are happy to discuss what kind of Long Term Care Insurance advantages may be available to your loved one. Please reach out to us today by calling (925) 363-4900 and allow us to help you give your loved one the outstanding quality of care that they deserve.