Who Pays for Home Care?
This is a question frequently asked. The reason for the question is the confusion between the various types of home care programs available to individuals. To understand who pays, one must review the difference between the various home care programs.
Home Care
A care and support services that helps older adults and individuals with disabilities remain in their place of choice. That can be there own home, an apartment, a senior living community and even assisted living.
This is considered maintenance and support and has several different types of payment options.
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Long Term Care Insurance
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Veteran’s Benefits
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Medicaid
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Social Service Block Grants
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Older Americans Act
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Local Chapters of different Disease Entity Organizations
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Community Based Organizations
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Individuals or family members – this is often referred to as “out of pocket”
Skilled Home Care Services
A skilled services for homebound individuals, under a physician’s care, and requiring medically necessary nursing or therapy services.
Payment Options for Skilled Home Health by a certified home health agency.
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Medicare
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Medicaid
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Civilian Health and Medical Program of the Uniformed Services (CHAMPUS)
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Managed Care Organizations
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Long Term Care Insurances
Hospice Care
Services available to individuals who are terminally ill and have a life expectancy of six months or less; there is no requirement for the patient to be homebound or in need of skilled nursing care. A physician's certification is required to qualify an individual for the Medicare Hospice Benefit.
Payment options are:
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Medicare
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Medicaid
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HMO’s
Private and Employer Insurance Plans
For more information or clarity on any of the above, please contact us (314) 726-5766 or caringinfo@standrews1.com.