Available Paying Options for Adult In Home Care Services
Discover the most common methods of covering the costs of adult in home care in Cornelius, Mooresville, and the surrounding areas of North Carolina
Once a loved one requires professional care in order to continue living independently at home, family caregivers are often presented with a daunting task – how to finance this type of care without depleting the family’s budget? If you are unsure what the best way to pay for mom or dad’s adult in home care plan is, keep in mind that there are several available options to choose from.
In North Carolina, common options to pay for senior care services include:
Private Pay/Out of Pocket – When budget is not a problem, families typically like to pay for nursing homes or adult in home care services out of pocket, with their own money. While in-home care can be more affordable than facility care, it all depends on your loved one’s needs and the number of working hours our caregivers are requested to deliver. To determine the precise out-of-pocket costs for your specific needs and see if there is a way to cut down some of these expenditures, make sure to contact your local Comfort Keepers office in Mooresville, NC.
Long-Term Care Insurance – Beneficiaries of this type of insurance can expect to partially or fully cover their future care needs, including the need for adult in home care. If your loved one has diligently paid the premiums on long-term care insurance for many years, Comfort Keepers will be more than happy to help you with the paperwork to collect the insurance.
Veterans Administration (VA) Aid and Attendance Pension Benefit – VA programs can help those who meet the specific financial criteria and show a tangible need for requesting professional assistance. If your parent served in the US Army during a military conflict and was honorably discharged, they may qualify to receive VA benefits and cover some of the cost of in-home care this way. If your loved one is a surviving spouse of a veteran, they may be eligible too.
Medicaid and Medicare – It's important to note that Medicare doesn't cover the cost of in home care service. Comfort Keepers in Mooresville, NC and Cornelius, NC cannot accept Medicare Advantage and Medicaid, although some states might accept it on a limited basis for certain types of care.
Paying for Adult In Home Care in Cornelius, NC and Mooresville, NC
Call our local office to learn more about what we can do to help and schedule your free consultation with your trusted Comfort Keepers team.