How To Pay For Senior Home Care In Walnut Creek, CA
Comfort Keepers of Walnut Creek, CA will guide you in your senior home care payment options
Families who have chosen senior home care in Walnut Creek, CA have the advantage of being able to visit their senior loved one whenever they want, as opposed to choosing the nursing home option where there can sometimes be restricted visiting hours. Our highly dedicated caregivers are committed to involving you and your family members in the care process and will keep you informed about your loved one’s condition. We take the same approach when it comes to planning and funding care - we want you to be in the know about your options.
Medi-Cal, has specific eligibility requirements and limitations on the types of services covered. It can, however, be an excellent source of support for your loved one if they qualify. Medicare does not pay for extended care, or long-term care in most cases. Medicare covers short-term, physician-prescribed home health care for skilled nursing; physical, occupational and speech therapy; medical social services; and assistance with bathing, feeding and other personal care. Unfortunately, these are typically not the best resources when looking to fund care.
Another option is long-term care insurance, which is sold by many insurance companies and typically covers things that Medicare won’t, such as extended home care, assisted living and nursing home care. Premium costs are fairly high and some policies cover only specific types of senior home care, while others will cover a variety. Many long-term care policies have an elimination period. During this period your loved one must pay for his or her own care. The longer the elimination period, the lower the premium.
Veterans and their surviving spouses may qualify for Veterans Administration (VA) benefits to cover some of the cost of in-home care. For many people, paying out-of-pocket is the only way to pay for long-term care expenses. While the out-of-pocket cost can be daunting, it is important to remember that this cost is only a fraction of the cost of a nursing home.
If you have any questions about our senior home care available in Walnut Creek, CA, please call us at (925) 344-4159 for more information on your payment options.