As we noted in our previous blog post, moving into an assisted living facility is not necessarily the only, or best, option when a senior loved one needs assistance at home. If you’re in the process of researching Wilmette IL home care options, it’s likely you’re feeling a bit overwhelmed and have a lot of questions: Is home care a possibility for my senior loved ones? Does Medicare cover costs? What other options are there for paying for care? At Partners in Senior Care, we answer queries like these all the time, and we’ve compiled the following list of frequently asked questions to help you in your home care journey:
- Can my senior loved one receive home care services? Anyone in need of assistance at home can receive private pay home care services, like those offered by Partners in Senior Care. Eligibility is a consideration, however, if you are looking for help paying for care from any source other than your own private funds. Elder law attorneys and estate planners can be very helpful when planning for long-term care payments. Most states have Area Agencies on Aging that also provide help understanding eligibility for community-based services.
- Can Medicare cover home care payments? Many people think that Medicare will pay for in-home care services, but that is a common misconception. Medicare is health insurance coverage provided by the United States government for people over age 65 that covers skilled medical care; it does not customarily cover assistance with daily living activities such as bathing, dressing and grooming. Some benefits may be available for short-term home health care, but only if certain conditions are met.
- What options are available for me to pay for senior care? There are multiple ways to pay for in-home care, including retirement savings such as pensions and life insurance policies or long-term care insurance. Some states offer a home care allowance through their Department of Social Services, and there may be other organizations within your state that offer assistance. The experienced Wilmette IL home care experts at Partners in Senior Care are happy to help you navigate payment options so your loved one can receive the care he needs.
If you have further questions, never fear – Partners in Senior Care is here with the information you need to make an informed decision and lay to rest any concerns about in-home care that you may have. Visit our Frequently Asked Questions page for more answers to your Wilmette IL home care questions. Or simply give us a call at 847-548-1330 or contact us online to speak to one of our dedicated home care team members today!