Financing In-Home Care Services In Fredericksburg, VA
The cost of in-home care services depends on the level of care and hours of services provided
One of the major advantages of in-home care services in Fredericksburg, VA, is that it is less expensive than nursing home. Although rates vary, nursing home care costs at over $6,000 per month. In-home care costs vary depending on where your loved one lives, and the level of care and hours of service they need. There are several ways your loved one can pay for our services.
Some people assume that Medicare will cover long-term care and in-home care services, but in reality, it doesn't. Do a little research to find out if Medicare is the right choice for your loved one. Another option is Medicaid, a joint federal and state program that pays for certain health services for seniors with low incomes and limited assets. If your loved one qualifies, they may get help to pay for in-home care.
One of the choices is purchasing long-term care insurance. While this insurance might be the answer for some families, for others it can be unaffordable, inaccessible, or too late to provide assistance. Premium costs are high and vary depending on the age and health status of your loved one.
Veterans and their surviving spouses may qualify for Veterans Administration (VA) benefits to cover some of the expenses of in-home care. A veteran's income and financial assets are both considered during the application process.
Seniors and their families often must pay out of pocket for in-home care services. Many families pay for home health care services using their own income or savings. For example, when insurance does not pay for assistance with personal care, your parent doesn’t qualify for Medicaid and Medicare coverage is very limited, your loved one may decide to pay for the services of home care on their own.
Contact Comfort Keepers of Fredericksburg, VA at (540) 205-8743, and find out more about our senior care services.