Paying For Home Health Care Agencies in Beavercreek, Springfield, Huber Heights, and Kettering
Comfort Keepers of Dayton, OH has provided these considerations to help you as you plan how to fund help from home health care agencies in the Miami Valley Area.
One of the scariest parts of growing older is wondering if your independence is going to be lost. From the loss of a driver's license to mobility challenges and vision and hearing changes, life circumstances can significantly impact a seniors' ability to perform daily living activities or care for themselves. Statistically, 3 out of 4 seniors will require some degree of living assistance or long-term care before they pass. So, when daily living activities become challenging, it is not surprising that many seniors start to think about nursing homes, assisted living communities, and in-home care services.
Start Planning How You Will Fund Assistance From Home Health Care Agencies in Dayton, OH
When it comes to government support, Medicaid and Medicare cover certain expenses, but there are strict limits as well as health and financial requirements that must be met. Seniors receiving Social Security likely qualify for Medicaid support, but Medicare doesn't pay for most long-term nursing homes or help from home health care agencies. Therefore, seniors need to verify what services are provided, how often, and for how long.
Long-term insurance is another way to pay for help from home health care agencies. If planning and funding care through long-term insurance there are some things to think about, however. Not only do policies vary greatly in what is covered, but if a policy lapses, all coverage can be lost. Lapsed coverage is of special concern if your loved one suffers from a cognitive disorder.
Seniors who are veterans may qualify for assistance from the Veterans Association. There are several requirements, such as time served, service during wartime, and an honorable discharge. Financial and health requirements also apply. Comfort Keepers is honored to help senior veterans who think they may qualify for these supports to determine their eligibility for veterans care.
The most important component of planning and funding help from home health care agencies is not to wait until care is needed. Researching funding sources and considering care plans well before they are needed ensures your senior loved one will not face needless hardships in a time of crisis. For more information about planning and funding care or the many ways Comfort Keepers in-home care can help keep your senior loved one free and independent in the comfort of their own home, contact us or call a senior care coordinator today at (937) 343-4830. We serve Beavercreek, Springfield, Huber Heights, Kettering, and the Miami Valley area.