Comfort Keepers State College, Pennsylvania

915-B Benner Pike, State College, PA, 16801
(814) 283-6162
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Call (814) 283-6162 | 915-B Benner Pike, State College, Pennsylvania 16801
915-B Benner Pike, State College, Pennsylvania 16801

Paying for Care

Comfort Keepers In-Home Care in State College, Pennsylvania.

Paying For Homecare Services

The cost of homecare services varies as much as the types of care available and the degree of assistance your loved one needs

One of the most important questions you want answered regarding care is how much it will cost. While the cost of homecare services is determined on a case-to-case basis, you can avoid any negative financial surprises of long-term care by learning more about your financing options well in advance.

Most people believe that Medicare can cover the cost of care, but unfortunately, this is not the case, at least not when it comes to long-term care. On the other hand, if your loved one requires short-term care of up to 100 days, Medicare can pay for homecare services including personal care or physical, occupational, and speech therapy. Medicare can also cover the cost of hospice care, but only for people diagnosed with a life expectancy of no longer than 6 months.

For seniors who need long-term care, Medicaid may be a much better solution as it can cover the costs of a nursing home or even some in-home services. Older adults receiving Supplemental Security Income (SSI) automatically qualify for Medicaid. Seniors with limited income can qualify as well, but it is important to note that Medicaid eligibility varies from state to state.

Another financing option for your family may be long-term care insurance, which is expensive but still cheaper than using your assets or savings. Still, keep in mind that coverage for this type of insurance can put some serious strain on your loved one's budget. If you are interested in this option, you should consult with a financial advisor before making any decisions.

Senior veterans can apply for Veterans Administration Aid and Attendance Pension Benefit to cover the costs of homecare services. The eligibility criteria include serving at least 90 days with at least one day during wartime and an honorable discharge. The surviving spouses of eligible veterans can also receive this benefit.

The final option is to pay for care out of pocket, that is, using life savings, returns on investments, and other family resources. While this may seem like the least appealing solution for financing care, it is important to consider all the benefits of homecare services. By opting for professional care, you and other family members will not have to cut down on work hours or risk developing health issues due to balancing too many responsibilities.

To learn more about paying for care, contact us online or give our local office a call today at (814) 283-6162. We are happy to provide you with more information!