Learn more about how to minimize the costs when paying for home health care in Brentwood and the surrounding areas of Middle Tennessee
When a loved one is facing a number of challenges that may interfere with their ability to lead an independent life at home, families often wonder what the best way to pay for home health care services is. If you have already had a conversation with your mom or dad about home care, the next step is to explore all payment options available to you and learn how to minimize these new expenditures.
Consider these common paying options before scheduling care for a loved one in Brentwood, TN:
Private Pay/Out of Pocket – For most families, out-of-pocket is the preferred way to pay for senior care services, whether they are choosing to schedule home health care or move their loved one to a nearby assisted living facility. Through facility care can cost way more than receiving care at home, the exact price you need to pay for mom or dad’s at-home care aide depends on their specific requirements and the number of hours a referred caregiver has to put in. As a family, you probably want to explore all avenues and find a way to minimize these costs, especially if you are arranging care on a tight budget.
Long-Term Care Insurance – A special policy known as long-term care insurance could partially or completely cover your pending costs of care. Check with mom or dad whether or not they have this specific type of coverage, because if they do, it would significantly reduce your in-home care expenditures. That being said, a local Comfort Keepers office can answer questions and help with the paperwork needed to claim the insurance.
Veterans Administration (VA) Aid and Attendance Pension Benefit – If your loved one actively served in the army during an armed conflict or was married to a veteran who did, they may qualify for government-funded benefits that can be used to cover some of the cost of home health care. However, your mom or dad has to meet the necessary criteria and demonstrate the need for professional in-home assistance before these benefits can be approved. Contact your nearest Comfort Keepers and we can help you arrange this.
Medicaid and Medicare Programs – Medicare doesn't cover the cost of home care services. And although some Medicare Advantage programs and Medicaid might cover limited care in certain circumstances, our Brentwood office does not accept them at this time.
Call our Brentwood office today to learn more about our home health care services and schedule your free consultation with our friendly client coordinators.