As a society, we value taking care of our loved ones and ensuring they live a happy and fulfilling life. However, with busy schedules and competing responsibilities, it can be challenging to give our family members the proper care and attention they deserve.
DLP Home Care provides support for those who require extra assistance with the added comfort of receiving care in their own home. For families and caregivers alike, we accept various forms of payment and insurance to ensure that your loved ones receive more personalized, quality care at a cost that is far more manageable than nursing home facilities.
Most health insurance policies don’t cover in-home personal care. However, it’s worth reaching out to your loved one’s medical insurance provider to explore potential coverage options. For instance, those with Standard Medicaid in Texas might qualify for the STAR+PLUS WAIVER.
To ensure coverage for home health services under Medicaid, your doctor must confirm a medical need that aligns with each service. It’s also essential to demonstrate the safe delivery of services at home. Standard Medicaid covers direct home health care costs. At the same time, the STAR+PLUS waiver includes long-term services and supports, such as personal care, to assist in staying at home instead of transitioning to assisted living or nursing facilities.
Navigating the complexities of private insurance for covering in-home care services can seem daunting, but understanding your policy’s details is a crucial step in leveraging available benefits for your loved one’s care. Unlike Medicare and Medicaid, private health insurance policies often offer broader benefits, potentially including home care services under long-term care insurance or through health insurance policies tailored to cover home health care.
When financing the best in-home care services, it’s essential to meticulously review your or your loved one’s private insurance plan, focusing on sections that discuss long-term care and home care services. Sometimes, contacting a customer service representative for clarification can provide insightful information tailored to your specific situation. Additionally, some employers offer supplemental insurance that might cover in-home care, proving valuable for those eligible.
In addition to navigating Medicaid, Medicare, and private insurance, private pay is another avenue many consider for covering in-home care services. This option negates the need to go through insurance providers. Instead, it involves directly paying for care out of pocket, usually through retirement accounts, pensions, Social Security benefits, and other savings.
While this option might seem overwhelming at first glance, it offers flexibility and control over the choice of services and providers. Understandably, managing these costs can be a significant concern, but planning and budgeting carefully can make this a viable option for many families. There are resources and financial advisors who specialize in elder care planning that can help map out a feasible strategy for private pay.
Clean History with
Zero Reports of Elder
Abuse or Theft
Personalized &
Compassionate Care
Thorough
Background Checks
on Each Caregiver
Bonded &
Insured
Clean History with
Zero Reports of Elder
Abuse or Theft
Personalized &
Compassionate Care
Thorough
Background Checks
on Each Caregiver
Bonded &
Insured
Remember, investing in compassionate, quality care for your loved one at home is a profoundly loving decision, and exploring every financing option available ensures that you are empowered to make the best choices for their comfort and well-being.
Discover the benefits of budget-friendly in-home care and how it can positively impact the lives of both individuals receiving care and their families. Whether you are seeking care for an aging parent or family member with special needs, DLP Home Care aims to provide insightful information on why choosing in-home caregiving may be the best decision for your family’s well-being, as well as ways to afford it.
Our team is ready to go to work for you!