In-home care services are a critical investment for many families. Depending on the type and level of service needed, the costs for these services may be a concern for some families. How much will it cost? Is it affordable?
Unlike many other types of services, the costs associated with in-home services range widely based on the types of services provided, the amount of time needed, and even the times needed. That makes it important for a person to receive a personalized and individualized estimate for the types of services needed.
How to Pay for In Home Services
Once you learn about the costs associated with the care, and the types of care available, it is then possible to determine the best method for payment. The key here is to know that some service providers allow for payment in more ways than others.
Here are a few things to consider when it comes to determining who is responsible for paying for in-home services.
Medicaid
For those who qualify for Medicaid, the state-managed health insurance providers, there may be coverage for many in home health services available. It is important to first be qualified and have Medicaid in place to receive this type of service. You must then show that it is necessary for the well-being of the covered individual.
HMOs
For those who have a health insurance plan, it is worth calling them to inquire about the availability of coverage for in home services. This ranges widely based on your specific needs and the level of care required. Some policies offer more benefits for in-home care than others. Some exclude this. You also have to ensure that the provider is covered under your plan to receive the benefits available.
Long Term Care Insurance
For those who have long term care insurance and it is available to them due to their health condition, this may help to cover the cost of some in-home services. Typically, these policies view in-home care as more affordable than care in a nursing home. They may be more willing to accept this coverage.
Private Pay
In situations where other options are not available, it is possible to pay for this type of care out of your pocket. Private pay availability is dependent on the circumstances and may also be something to consider based on your budget.
Depending on the situation, some government programs may be available to you to help cover the cost of your in-home service needs. However, this depends on the type of service and the conditions a person has.
How to Find Out
When you contact Advanced Care, we can provide you with verification of the insurance coverage you may have and offer insight into payment options that may apply in your situation. Your first step is to reach out to us to learn what type of care we can provide that fits your specific needs to ensure you get the right level of care.
