Who Pays For Home Care

moneyMany people think that private health insurances, medicare, or a supplemental pay for in-home caregivers. Unfortunately, they do not. In this article, you will learn the different types of in-home care services, and payer sources. We will also explain various options and resources you may need when planning for yourself or your loved one’s future. Our staff are very knowledgeable in providing resources to those in need. Even if we cannot help , we will try to point you in the right direction. Call us today with your questions!

Home Health vs. Home Care

Home Health Care Services are “skilled” services at home, such as  Physical Therapy, Occupational Therapy or Nursing. To be eligible for Home Health Care, you must have a Dr’s order. They are typically more short term services, and the clinicians follow a specific care plan set forth by the physician. They are usually in the home long enough to complete that care plan, but do not stay with the client for multiple hours per day. Typically, home health agencies have Nursing, Social Work, Nutritionist, Therapy, and more to aid their patients in their care needs. These services are usually provided under Medicare and Private Insurance. For more information read “What’s Home Health Care” at Medicaid.gov

Home Care or Care-giving Services are non-medical or “non-skilled” services. These services are provided by specially trained care-givers and include assistance with bathing, dressing, oral hygiene, skin care, and more. These care-givers are also able to assist with housekeeping tasks, meal preparation, medication assistance, mind-engagement activities, games, errands, shopping, transportation, companionship, and more. The great thing about in-home care is that you pick your schedule time, and duration, and the company tailors the client’s care to exactly what he or she asks for. No Dr’s order is needed for in home care; simply contact the company of your choice, and begin the sign up process.

Although home care is considered “non-skilled”, any home care agency who performs personal care in the State of TN, must be licensed and monitored by the Department of Mental Health, so rest assured–we have a regulatory body, just as “skilled” care does.

 Paying For In-Home Caregivers

Private Pay: The majority of in-home care is paid on a private pay basis. Grace Givers Home Care  provides competitive rates, and also works with families to customize the most cost effective care plan to suit their needs.

Long Term Care Insurance: Long Term Care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed. Long Term Care Policies pick up the cost for things like custodial care, which includes supervision and help with day-to-day tasks, as well as long term stays in care facilities. For more information visit: AARP: Understanding Long Term Care Insurance  or LongTermCare.gov

Already have a Long Term Care Policy? Grace Givers Home Care can assist you with filing your claims, paperwork submission, AND we take care of ALL OF THE BILLING. 

VA: The VA offers programs to Veteran’s to help assist with the costs of home care. Many veteran’s are unaware of these programs. Contact us to learn more or visit  VA.Gov’s Aid and Attendance .

Medicaid (TennCare Choices): To be eligible for Medicaid you must meet certain requirements, including having income and assets that do not exceed the levels used by your state. Visit the TennCare Choices page to learn more. Those who use TennCare choices do risk Estate Recovery by the State of TN. Learn More Here .

Area Agency On Aging: The Area Agency on Aging offers programs to help those who qualify to receive assistance for in-home care. Typically these programs range from 2-4 hours per week of home making or personal care services. Click here to learn more about all of the services offered from the AAAD.