One of the most significant choices you can make is hiring a Home Care Service in Houston for yourself or an elderly loved one. Over 75% of adults want to stay in their own homes as they age, and you want the best possible care as you do so. However, the expense of Home Care Service is often a deciding factor during this time of change.
We at PamCare know that healthcare costs are high on the list of worries for families. So many people have questions about how to pay for in-home care that we decided to compile a FAQ guide.
What In-Home Care Services Does Medicare Cover?
PamCare Home health care services in Houston are not always covered by Medicare. Eligible home health services include those provided by a part-time or intermittent home health aide. You must, however, satisfy all of the following conditions:
- You are under a doctor’s care, and care services are created and reviewed regularly by that doctor.
- A doctor must certify that you need:
- Intermittent skilled nursing care other than drawing blood.
- Physical therapy, speech-language pathology, or continued occupational therapy services.
- You must be homebound.
Not every elderly person who can use assistance will require constant specialized nursing attention. Home health care agencies fill this void. Whether or not a senior is homebound or requires ongoing medical attention at home, we can assist with activities of daily living for those who need it.
What is Skilled Nursing Care and how is it Different from Home Care?
PamCare help with eating, dressing, personal hygiene, shopping, cleaning, and more. The care is non-medical and intended for older adults who need a helping hand around the house for their safety.
Skilled nursing care can provide these services as well, but the key difference is that medical care is also involved. A doctor can prescribe Home Care Service in Houston and determine if you or your loved one requires such services.
Medicare Reimburses Family Home Care?
Medicare does not cover any care unless it is provided by a licensed caregiver. That’s part of what makes finding a home care provider an appealing option. Taking care of someone—even someone you love—is labor for which you don’t receive compensation without certification. While paying for Home Care Service in Houston may seem intimidating, it can save you a great deal in the long run. Here’s how:
- Decreased chance for your loved one to experience falls or condition complications, preventing hospital expenses and pain.
- Decreased need to take PTO or leave work to provide care.
- Fewer costs related to your own health and stress levels.
Is Home Care Cheaper Than Senior Care?
Believe it or not, home care tends to be the least expensive senior care option available. According to the Glenworth Cost of Care Survey, the average national cost of a private room in a nursing home was an astronomical $108,405 in 2021. Assisted living facility costs, meanwhile, came in at an average of $54,000 for the same year.
While Home Care Service in Houston costs vary depending on the person’s specific needs, they typically fall below these numbers. Plus, you get the advantage of receiving high-quality care in the comfort and dignity of your own home—not competing for space in a basic or shared facility room.
Can I Get Help Paying for In-Home Care?
Financing home care for yourself or a loved one can, understandably, feel impossible at first. If so, you’re not alone—up to 41% of Americans over 50 don’t believe that they will be able to stay in their current home and community. But at PamCare, we hope to change that.
We offer flexible Home care options, from full-time to part-time care. Our caregivers can start by filling in gaps when family members are handling other obligations like work. If your family’s needs change, we can always work with you to change the schedule. We’re also happy to share resources for financing care, which may include:
- Veteran’s benefits
- Long-term insurance
- Workers’ compensation
- Life insurance
- Reverse mortgage or home equity loans
- Annuities, investments, and savings
Bottom Line: Home Care is a More Realistic Option than You Think!
Respecting the wishes of your loved ones isn’t impossible. At PamCare, we work with each family to create a top-quality Health Care Service Houston plan that won’t cause an undue financial burden. Even if you’re just beginning your journey to in-home care, call us at +1 (281) 302-6293 today to ask us anything, 24/7. We’re ready to help you find the perfect caregiver!
PamCare: Helping Seniors Live Their Best Lives
PamCare is a proud member of the Best Life Brands family, providing the highest level of care with the highest level of independence. We believe everyone deserves to age in peace and comfort. That’s why we have over 200 locations throughout the U.S. and Canada to serve communities across North America. Find care close to you and start your journey today.