How do I find help paying for Home Care?

People often ask – “Does Aetna pay for Home Care?”  “What about Medicare, don’t they pay for In-Home Care?”  The short answer is “YES” – if there’s a medical reason.  Most health insurance plans, including Medicare and Medicaid pays for In-home care – in acute (short-term) situations and for limited number of hours per day or week.

But what if you need extended services in order to stay independent in your own home?  Medical insurance only goes so far in covering home care for disease control, but for chronic conditions such as Arthritis or COPD – you will have to be more creative in finding help in covering long-term home care.

Here are a couple of options that Legacy  has found helpful for our clients to offset the cost of In-Home Care…

Life Insurance Riders – Some Life Insurance policies have Riders that Accelerate the Death Benefit payments BEFORE the insured dies.  A licensed health practitioner has to certify that the Insured has a Critical Illness, Chronic Illness and/or Terminal Illness.  This includes Severe Cognitive Impairment – such as Alzheimers’ and Dementia.   Individuals would qualify for payments if they were unable to perform at least 2 Activities of Daily Living.  (Bathing, Dressing, Eating, Toileting, Continence and Transferring.)  Be sure to check your policies!

Long-Term Care Insurance – This is not common because most older folks weren’t expected to live  long enough to need care.  However, due to advancements in modern medicine, the average lifetime has significantly increased and this option is becoming more popular.  Be sure to ask your loved one just in case they had the foresight to buy it!

Veterans Benefits – Federal Benefits are available for Veterans, AND their dependents and Surviving Spouse.  This process, like any government agency, has a great deal of paperwork involved.  So if you have a loved one who served during a war or a surviving spouse of a Vet,  contact the benefits division right away at 800-827-1000, or click on the link below to download a copy of the forms.  If you need home care or are already receiving home care, those expenses should be included in your pension calculations as well.  Contact Legacy’s volunteer Veterans’ liaison, John Lawrence if you need help or just have a question with the paperwork or process.  He can be reached at 702.600.5112.

VA Forms

Aid and Attendance Form

Local Foundations and Charitable Organizations – In Las Vegas & Henderson, Organizations such as Helping Hands of Vegas Valley or The Independent Senior Foundation offer Respite Care Vouchers for family members as well as seniors who live alone and need help with food, transportation or In-home care.

For assistance on finding additional payment options in Las Vegas or Henderson, NV, contact our Legacy Home Care office at 702.564.2979, where we treat your family like our family.