How do I pay for home care services?  There are several options available to help you offset the cost of home care.  Click on any of the options below for some great information to help you make an informed decision.

Still have questions?  We’re happy to answer those questions anytime.  Just ask here or give us a call 602-595-HOME(4663).

 

To help you plan for care, Generations Home Care has gathered the following information on costs of long-term care nationwide. Average Cost of Care 2010 Day Month Year Home Care (4 hr day/3 days wk*) $84 $1008 $12,096 Assisted Living Community $103 $3,100 $37,200 Nursing Home/Prvt Room $220 $6,600 $80,300 Nationally, the average rate for in-home care is $22/hour. Generations Home Care rates are extremely competitive. Please call for our current rates.
We can customize a plan to fit your needs and budget. Whether your needs are great or small, we can give you all of the options that make sense for your unique situation. Give us a call and one of our Care Plan Specialists will be happy to customize a plan just for you.
Medicare does not cover non-medical home care unless a patient is eligible for Home Health Care (skilled nursing), continues to meet that requirement, and the non-medical home care is provided by a Home Health Agency. Even with these requirements, there is a limit to how much care will be covered. Visit https://www.cms.gov/ for more information. Administered by individual state governments, Medicaid is a joint federal-state medical assistance program for low-income individuals. Arizona’s Medicaid Agency, AHCCCS offers services for individuals who require nursing home or in-home care. These services are offered through the Arizona Long Term Care System (ALTCS). This program is intended for individuals who are age 65 or older, blind or have a disability (at any age) and need ongoing services at a nursing facility level of care. Many ALTCS members live in their own homes and receive needed in-home services. Generations Home Care is an approved AHCCCS provider.
The Veteran’s Aid and Attendance (A&A) Pension provides benefits for veterans of certain specific war periods and surviving spouses who require the regular attendance of another person to assist in eating, bathing, dressing and undressing or taking care of the needs of nature. To qualify for A&A it must be established by your physician that you require daily assistance by others with some of the daily activities listed above. You do not need assistance with all of these daily activities to qualify. Eligibility must be proven by filing the proper Veterans Application for Pension or Compensation (Form 21-526 Veteran) (Form 21-534 surviving spouse). This is a needs based benefit in terms of evaluating your income. The A&A Pension can provide up to $1,632 per month to a veteran, $1,055 per month to a surviving spouse, or $1,949 per month to a couple. The process can be slow so it’s a good idea to start the paperwork now. You will find lots of people and companies offering to help you obtain this benefit. Be Careful. Many of these “resources” are scams. You should never have to pay any monies up front when applying for this benefit. Contact us if you would like to be connected to one of our pre-screened partners.
Private or Commercial Health Insurance policies typically cover some home care services for acute needs, but benefits for Long-Term services vary from plan to plan. Commercial insurers, including Aetna, Blue Cross and Blue Shield and others, generally pay for skilled professional home care services with a cost-sharing provision. Such policies occasionally cover personal care services. Cost-sharing varies with individual policies, but often is not required. Benefits vary by company so check with your insurer to see what may be covered and the circumstances under which you can use this benefit. Long-Term Care Insurance provides an income stream to pay for the cost of care in a variety of settings. Although mistakenly called “Nursing Home Insurance” by many people, these policies also help pay for services needed for people who want to age at home. Covered services typically include personal care, companionship, and other in-home services they desire and need as various care needs arise. The amount of benefit varies based on the level of policy purchased. Typically the consumer chooses the Home Care Agency they would like to work with and the Insurance Company reimburses the policy holder for approved services. Generations Home Care has partnered with some of the leading Long Term Insurance professionals to provide you additional information. We are happy to setup a complimentary telephone consultation with one of our Long Term Care Insurance partners.
Any individual requiring medically necessary home care services as a result of injury on the job is eligible to receive coverage through Workers’ Compensation.

 


 

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