Talk Directly to a Care Advisor

1-800-955-8510

Will Medicare Pay for In-Home Care Services?

 

One of the most common misperceptions among older adults and their adult children is that Medicare will pay for In-Home Care Services.  Unfortunately, Medicare does not pay for long-term home care services, long-term nursing care or many other necessities.  When one or more of these services come into question, families find themselves wondering how to pay for the care that their loved one needs.  Some older adults and their adult children have the resources to pay privately for care or they had the foresight to purchase a long term care insurance policy so they do not have to rely on Medicare. 

If you find yourself, or know of someone, in the position of requiring in-home caregiving, and have the financial resources to afford to hire a caregiver, then you should consider hiring an employer based in-home care service agency.   Remember if you are asking someone to care for your loved one, friend, neighbor or client in the privacy of their home; you should be considering more than price for the care they desperately need.  When a care recipient opens up their door to a caregiver they are opening up their life to this person.  Take the time to research the various home care agencies that you may be considering.  You should know that there is a BIG difference between an employer based home care model and one that hires only independent contractors.

  • How do they recruit their caregivers?
  • What training do they offer to their caregivers at time of hire, in addition to ongoing training?
  • Does the Agency perform pre-employment drug screening?
  • Are the caregivers bonded and insured?
  • Are their caregivers CPR and First Aid certified?
  • What type of background checks and screenings do they do on their caregivers? 
  • Does the agency have a care coordinator overseeing the care?
  • Does the agency carry workers comp insurance for their caregivers?
  • Ask if their home care workers are employees or contractors and who is responsible for paying the employment taxes?
  • Ask for a minimum of three client references.
     

Editor’s Note: This article was submitted by Bob Roth with Cypress HomeCare Solutions.  

Comments

Related Articles

10 Life Insurance Companies Worth Checking Out Before Retirement

If you are considering getting life insurance, the follow top 10 companies should help you...

Read Full Article

Sex Life After 50? How to Keep It Going For Senior Males

Without a doubt, life in the bedroom changes after 50, given the normal aging process...

Read Full Article

Why Older Americans Are Turning to CBD

So how can CBD products improve your quality of life if you are an older adult? Here are...

Read Full Article

Kitchen Health and Safety Reminders

Whether it be a fall, cuts, food poisoning, or other injuries, the kitchen can be a...

Read Full Article

5 Benefits Of Chiropractic Care for Senior Citizens

Chiropractic care can help you deal with many areas of your health, including some of the...

Read Full Article

5 Tips on Choosing the Right Retirement Destination

The only thing harder to do than deciding on the right time when to retire is choosing the...

Read Full Article

Moving a Loved One into a Retirement Home: 3 Important Steps to Take

Moving a loved one into a retirement home is never an easy task.  Here are a few steps...

Read Full Article

Maintenance Tips for a Great Home for Seniors

Here are some of the best home maintenance tips you can apply to make your home...

Read Full Article

A Guide to Aging: Compose Your Life Song

Discussing plans for life’s final years can be difficult and uncomfortable, but it is...

Read Full Article

Stay in Your Home with a Straight vs Curved Stairlift

There are straight and curved stairlifts available for both indoor and outdoor applications....

Read Full Article

NEWSLETTER SIGN-UP

Sign up for our FREE monthly newsletter to receive the most up-to-date information on caring for your elderly parent or loved one

Order your printed copy of Senior Directory today!

Still enjoy flipping through the pages of a printed copy? So do we! Click on the button below to start receiving Senior Directory right at your doorstep!

Order Your Copy

I prefer the digital copy, please.

Speak to one of our advisors 1-800-955-8510