For more information about the author, click to view their website: BrightStar Care
If you’re like many older Americans –
or you have elderly parents – you probably have a lot of questions, such as:
·
Does Medicare pay for
home health care services?
·
Does Medicare Advantage
cover home care?
·
What’s the average cost
of home health care services?
·
How much does private
in-home nursing care cost?
·
What home care services
does Long-Term Care insurance (LTCi) pay for?
Each person has a unique situation –
financially, health-wise and with family dynamics – so there isn’t a
one-size-fits-all answer to the cost of in-home care services. But we can
provide general insight here and meet
with you one-on-one to discuss your loved one’s specific needs.
Home care can be a cost-effective
option than many people realize and it’s an appropriate use of your loved one’s
income and assets. Just as important – or perhaps even more important – is the
fact that the majority of adults want to age in
place(Opens
in a new window), according to AARP®.
After all, your loved one’s heart is
in their home. If their health allows them to remain at home supported by
high-quality caregivers, finding a way to make that happen is one of the
greatest gifts you can ever give them.
What’s the Best Way to Pay for Home
Care?
Many people that find themselves at
the beginning of the journey to bring caregivers or nurses into their home and
have quite a few questions, such as:
·
“How
much does it cost for in-home care services near me?” The Genworth Cost of Care Survey(Opens in a new window) is
a good starting point for general cost information. Keep in mind that rates
vary based on the types of services and the quality of care.
·
“Does
Medicare pay for home care services?” Refer to item #6 in the Your Plan to Pay for Home
Care section below.
·
“What
resources can we use to cover the cost of in-home care?” This varies for each family and
may change over time as your financial situation evolves.
Answering the questions below can help
you identify sources of funds, which will help you prepare for a conversation
with a BrightStar Care® agency or other home care
service provider:
·
What income, savings and
assets does my loved one have available?
·
Does he or she have
assets they no longer need that could be sold? (e.g. Two cars, but only one of
your parents still drives, a timeshare they no longer use, etc.)
·
Did he or she or their
spouse serve in the military?
·
What health insurance do
they have? What does it cover?
·
Does your family member
have traditional Medicare and/or Medicaid?
·
Does your loved one have
Medicare Advantage (MA)?
·
Do they have Long-Term
Care insurance (LTCi)?
In addition to the resources your
loved one may have available for their own care, consider the availability of
expendable income or assets you and your relatives may be able to contribute
toward your family member’s needs.
What to Ask a Home Care Agency
When it comes to paying an agency,
there are a few questions you’ll want to ask. Although answers to some of these
questions will be included in the agency contract, it’s a good idea to get the
details up-front:
·
What forms of payment do
you accept? (VA/CCN, private insurance, personal check, credit card, Long Term
Care insurance (LTCi), government payers like VA/Military, Medicaid, etc.)
·
How is billing handled?
(mailed, online payment portal, emailed, etc.)
· What are your payment terms? (Pre-pay or deposit, weekly, net 30, due upon receipt, etc.)
Your Plan to Pay for Home Care
There is no single solution that works
for every family. The right solution is the one that works for you. In many
cases, the answer is likely to be a combination of the funding sources
described below.
Except for private pay, most options
for home care services have eligibility requirements and limitations. Because
rules surrounding sources like Medicaid, Medicare and Medicare Advantage (MA)
sometimes change, we can help you navigate evolving details to support your
efforts to provide for your loved one.
1. Private Pay or “Out of Pocket”
Paying with personal funds helps cover
services when you or your loved one’s care has reached the limits of service
and support from sources such as Medicare or other insurance coverage. These
personal funds may come from your loved one or a family member who has the
financial means to share in the cost of home care.
2. Private Health Insurance
Thanks to partnerships with national
and local insurance companies, BrightStar Care® is sometimes in-network. Call us for more information
– we are happy to do our part to facilitate getting quality care for your loved
one.
3. Long-Term Care Insurance (LTCi)
Long-term care benefits usually pay
for in-home assistance with “activities of daily living” (ADLs) such as
bathing, dressing, incontinence care, transfers (from bed, chair, toilet,
etc.), meal prep and more. If your loved one has LTC insurance, BrightStar Care
can help you process the claim; in some cases, we can assist with billing.
4. Military Benefits
VA health care benefits are available
for eligible veterans and some benefits extend to the veteran’s spouse.
Additional programs such as Aid & Attendance provide monetary funding to be
used for home health care. Eligibility requirements vary so it is important to
research which veterans programs(Opens in a new window) may
be a good fit. Call your local BrightStar Care agency today and they’ll help
you determine if your loved one is eligible.
5. Medicaid
Each state decides what services are
provided under their Home and Community Based Service
(HCBS) waiver program(Opens in a new window). To qualify, your loved one must meet
your state’s eligibility requirements, and have income and assets below certain
guidelines. You can find general details about Medicaid here(Opens in a new window) or
your local BrightStar Care team may have additional insights.
6. Medicare (Traditional/Original)
Medicare Part A (hospital insurance)
and/or Medicare Part B (medical insurance) cover eligible home health services
as long as you need part-time or intermittent skilled services and as
long as you meet the standards of homebound, as defined by the U.S. Centers for Medicare and Medicaid Services(Opens in a new window).
Medicare Part B (medical) covers some
in-home care, but the type of service and frequency may be limited.
Medicare-certified home health agencies provide service based on orders from a
physician or allowed practitioner (such as a nurse practitioner, a clinical
nurse specialist and physician assistant) usually for a specific condition and
a set period of time.
Medicare Part A (hospital) offers the
same coverage as Part B. However, under Part A, you may not receive home health
services unless you were hospitalized for three (3) consecutive days just prior
to needing at-home care.
BrightStar Home Care locations that
offer skilled nursing may be eligible to provide “medically necessary part-time
or intermittent skilled nursing care.” If your loved one is currently receiving
care from a Medicare home health agency, BrightStar Care
(which is a home care agency) will work with the Medicare
agency to provide the supplemental or continued care.
Every situation is different. You may
be affected by a Medicare demonstration program if you receive services in
Florida, Illinois, Massachusetts, Michigan, or Texas. Learn more with a free
booklet, Medicare and You,(Opens in a new window) from
the official Medicare website. This booklet is available in multiple languages(Opens in a new window),
Braille, audio, large print, e-reader options and on paper. You can also visit
the home page of the Medicare site(Opens in a new window) or
call 1-800-MEDICARE (1-800-633-4227).
7. Medicare Advantage (MA)
Medicare Advantage (also called
Medicare Part C) is an alternative to traditional Medicare(Opens in a new window) for
your healthcare insurance that often includes benefits not covered by
traditional Medicare, such as dental, vision, drug coverage and supplemental
benefits like personal care and homemaker services.
There are many insurance carriers and
MA plans available with differing benefits, so it is important to understand
what coverage you have. Our team is here to help you sort through details
regarding whether you may qualify for In-Home Supplemental Services (IHSS).
8. Program of All-Inclusive Care for
the Elderly (PACE)
This newer, relatively small program
may be a source for home care funds. PACE(Opens in a new window) provides
comprehensive medical and social services to certain frail, elderly people
(participants) still living in the community. Most of the participants who are
in PACE are dually eligible for Medicare and Medicaid.
Lean Into Our Experience
Most individuals will only deal with
home care services a handful of times throughout their lives – for their
parents, their spouses, a child with a disability or even themselves.
But at BrightStar Care, we think about
home care services 24/7, every day of the year. We are ready to be your trusted
source of information and guidance on this important issue. We hope you’ll
reach out for assistance.
If you would like to learn more about in-home care, please send us a message, reach out to your nearest BrightStar® Home Care agency at 612-488-4159
After a hospital stay, an older adult may need help with daily routines, mobility, meals, medication reminders, transportation, and follow-up appointments, even when skilled medical treatment is no longer required. The right plan starts with the hospitals discharge instructions and a clear understanding of what the person can safely manage at home. For families in Meridian and the Boise area, planning these details before discharge can prevent confusion during the first days back. Start With the Discharge Plan, Not a Generic Checklist Before leaving the hospital or rehabilitation facility, ask the clinical team what changed during the stay. Can the person walk, use stairs, bathe, and prepare food as before? Are there activity restrictions or new equipment needs? Which symptoms require a call to the medical team, and which require urgent attention? Request an updated medication list, instructions for any prescribed treatments, and dates for follow-up visits. Make sure family members know who to contact if questions arise. A written plan is especially helpful when several relatives or paid caregivers will share responsibilities. Which Daily Tasks May Need Extra Support? The most useful home-care plan is based on tasks rather than a broad label such as needs help. Consider these common areas: Personal care: bathing, grooming, dressing, toileting, and moving between bed and chair. Food and household routines: shopping, preparing meals, laundry, and clearing walking paths. Medication routine: organizing questions for the pharmacist or clinician and providing allowed reminders. Getting around: arranging rides to appointments and assistance during ordinary activities. Observation and communication: noticing changes, sharing concerns with family, and following the clinicians guidance about warning signs. Not every person needs all of these services. Some families need short visits for meals and hygiene; others need longer hours because the person requires frequent assistance or supervision. The care plan should be reassessed as recovery progresses. How Is Non-Medical Home Care Different From Home Health? This distinction matters. Non-medical home care helps with everyday activities and personal support. Home health services, when ordered and appropriate, are clinical services provided by qualified professionals, such as nursing or prescribed therapy. A person may need one, both, or neither. For example, a physical therapist may recommend mobility exercises or equipment, while a home caregiver assists with daily routines within the care plan. A home caregiver should not independently alter medications, diagnose complications, or perform skilled procedures outside their role. Clarify the division of responsibilities with the discharge team. What Should Families Check in the Home? Walk through the spaces the person will use most. Check the path from bed to bathroom, lighting at night, loose rugs, clutter, and access to frequently used items. Consider whether the person can get into and out of the shower safely and whether recommended mobility equipment is in place. Meal access is easy to overlook. Someone who can technically cook may still become too tired to prepare food during recovery. Plan simple meals and decide who will shop, cook, and clean. If the older adult lives alone, arrange a reliable way to reach family or emergency services. How ComForCare Home Care (Boise) Fits Into a Transition Plan ComForCare Home Care (Boise, ID), based in Meridian, describes a non-medical hospital-to-home transition program. Its published services include reviewing discharge instructions for a personalized care plan, medication reminders, assistance arranging follow-up appointments, help with bathing and dressing, meal preparation, light housekeeping, identifying trip hazards, and communication with family and care professionals. The office also lists flexible personal care, safety supervision, and respite services. Families can ask which services are available for their address, how soon care can begin, and how the schedule can change if the person becomes more independent or needs additional assistance. When Should the Plan Be Revisited? Review the arrangement when the persons mobility changes, a new symptom appears, a follow-up visit leads to different instructions, or daily tasks become harder or easier. New or concerning medical symptoms should be discussed promptly with the treating clinician; serious emergencies require immediate emergency care. It also helps to ask the older adult directly what is working. Recovery support should preserve as much choice and independence as the person can safely manage while giving relatives a practical way to coordinate responsibilities. Plan for a Safer Return Home To discuss non-medical support after a hospital or rehabilitation stay in Meridian, contact ComForCare Home Care (Boise) at (208) 297-5016. The local team can explain available transition services and arrange a personalized consultation. Visit https://www.comforcare.com/idaho/boise/.
Caring for a parent or spouse at home can involve far more than checking in. Meals, bathing, transportation, household tasks, and supervision can fill the day, especially when an older adult needs help moving safely or remembering routines. For families searching for respite care in Meridian, Idaho, short-term in-home support can make it possible to take a needed break without asking a loved one to leave familiar surroundings. What Does In-Home Respite Care Include? Respite care is temporary assistance that gives a regular family caregiver time away from caregiving duties. The arrangement might cover an appointment, a work shift, a family event, or a longer period when the primary caregiver is unavailable. It may also become part of a recurring weekly schedule. The exact services depend on the persons abilities and the providers care plan. Common forms of non-medical respite support include: Help with bathing, dressing, grooming, toileting, and other personal routines. Meal preparation, reminders to eat or drink, and light housekeeping. Companionship, conversation, and supervision during everyday activities. Medication reminders according to an established care plan, rather than prescribing or changing medications. Assistance with mobility, safe movement around the home, and transportation when arranged. Respite support is not a replacement for medical treatment or skilled nursing. Families should separately confirm whether a loved one needs clinical services such as wound care or medication administration. When Should a Meridian Family Consider Respite Care? You do not have to wait for a crisis. A useful sign is that the family caregiver can no longer reliably find time for sleep, work, errands, or personal health appointments. Another is that a seniors needs have grown: getting dressed now takes more assistance, meals are being missed, or leaving the person alone has become uncomfortable. Temporary help can be especially useful when an older adult returns home after an illness, when a relative who normally provides care is traveling, or when several family members share caregiving responsibilities but need more predictable coverage. For someone living with memory changes, a familiar routine and clear instructions for the substitute caregiver are important. How ComForCare Home Care (Boise) Supports Meridian Households ComForCare Home Care (Boise, ID) has an office in Meridian and lists family respite, personal care, companionship, meal preparation, light housekeeping, medication reminders, safety supervision, disability support, and transitions of care among its local services. Its approach begins with a personalized in-home consultation to review the persons routines and the help the household needs. Care schedules can be discussed around the familys actual gaps, whether those involve brief visits or more extensive support. Families can ask how caregiver assignments, communication, and changes to the plan are handled before deciding what arrangement is appropriate. Service availability and specific scheduling should be confirmed with the local office. Questions to Ask Before Starting Respite Care A useful first conversation focuses on the details a substitute caregiver must know. What activities can the older adult do independently? Is help needed getting in and out of a chair or shower? Are there concerns about wandering, stairs, or missed meals? What routines make the day go smoothly? Also ask who the family should contact if plans change, how concerns are reported, what the caregiver may and may not do, and whether transportation or overnight coverage can be arranged. If the loved one has recently left a hospital, provide discharge instructions and ask which tasks require a licensed health professional. Making the First Visit More Comfortable Start with a simple written routine: meal preferences, mobility instructions, emergency contacts, allergies, and the locations of frequently used supplies. Invite the older adult to share preferences about activities and personal care. Even when a family member makes most decisions, the person receiving support should have a voice in how the day is organized. After the first visits, compare notes. Did the schedule cover the hardest part of the day? Did the older adult feel comfortable? Does the caregiver need clearer instructions? Respite care is most useful when the plan can reflect the households real needs rather than a fixed checklist. Explore Respite Care in Meridian Families considering in-home respite care in Meridian can contact ComForCare Home Care (Boise) at (208) 297-5016 to discuss available services and request a personalized consultation. Learn more at https://www.comforcare.com/idaho/boise/.
An aging parent may benefit from home care when daily activities are becoming difficult, personal safety is a concern or relatives are providing more help than they can reasonably sustain. Needing assistance does not necessarily mean moving to a residential community. The first step is to identify what has changed, how often it happens and whether support at home could address it. Start With Daily Activities, Not Age Alone A parent may be active in the community and still need assistance with bathing. Another may manage personal care well but struggle to shop, cook or keep up with household tasks. Consider both activities of daily living, such as dressing and toileting, and instrumental activities, such as preparing meals, housekeeping and transportation. Try asking specific, respectful questions: Is getting in and out of the shower uncomfortable? or Which chores take the most energy now? These questions are often more productive than asking whether someone can still live alone. Five Signs Worth Paying Attention To Meals are skipped, food spoils or cooking becomes physically difficult. Clothing, hygiene or housekeeping routines change noticeably. There have been falls, near falls or increased difficulty moving through the home. Appointments, errands or medication-reminder routines are repeatedly missed. Relatives are exhausted or regularly leaving work to fill care gaps. Any one of these is a prompt for a conversation, not a diagnosis. Sudden confusion, serious injury or abrupt changes in health require prompt medical evaluation rather than simply adding caregiver hours. How Much Home Care Is Enough? The answer depends on the task, timing and risk. If a parent needs grocery help and light housekeeping, a few scheduled visits may be useful. If bathing requires assistance or a family caregiver needs a break, visits should align with those specific activities. For someone requiring frequent supervision, discuss longer shifts or 24-hour coverage and whether that arrangement is realistic and appropriate. Rather than guessing at a weekly number of hours, make a simple log for one or two weeks: note when support was needed, what happened without it and whether the person felt comfortable asking for help. This gives a care provider a more accurate picture of the day. What Is the Difference Between Home Care and Home Health? Nonmedical home care supports everyday tasks such as dressing, meal preparation, companionship and household routines. Home health care typically refers to clinical care, such as skilled nursing or therapy, provided under a medical plan. Families sometimes need both. For example, a therapist might guide rehabilitation after surgery while an in-home caregiver helps with meals and daily activities between therapy visits. It is important not to assume that a home care aide can administer medication, perform medical procedures or substitute for a licensed nurse. Ask the provider to explain its scope of service and coordinate medical questions with the treating clinician. What If a Parent Refuses Help? Resistance often comes from a reasonable desire for privacy and control. Present home care as assistance with a specific inconvenience, not a judgment about the persons abilities. A trial visit for meal preparation or housekeeping may feel less disruptive than a broad conversation about needing a caregiver. Invite the parent to choose the preferred visit time, activities and expectations. Discuss what they want to continue doing independently. If there are concerns about cognition or decision-making, seek guidance from qualified health professionals rather than overriding preferences without appropriate support. What Should Families Ask During a Home Care Consultation? A useful consultation looks beyond a checklist. It should consider mobility, household layout, existing family support, personal preferences and how needs may change. Ask how care plans are created, who supervises caregivers and how concerns are resolved. Confirm how schedules work and whether the agency can support the particular tasks that matter most. ComForCare Home Care (Northern Utah), based in North Logan, describes a personalized home visit that considers fall risks, mobility, home safety and individual concerns. The agency lists personal care, companionship, family respite, medication reminders, safety supervision and transitions of care among its services. Its team can discuss whether a limited schedule or more extensive assistance fits the familys circumstances. Can Long-Term Care Insurance Help Pay? Some long-term care insurance policies reimburse qualifying support with everyday activities. Benefits vary by contract, and eligibility may depend on specific assistance needs, waiting periods and other conditions. Families should read their policy and ask the insurer what records or assessments are required before counting on reimbursement. Take One Practical Next Step If your parent lives in North Logan or the surrounding area and everyday routines are becoming harder, start with a conversation about the specific tasks that need support. To explore personal care, companion care or respite options, call ComForCare Home Care (Northern Utah) at (435) 754-7676 or visit https://www.comforcare.com/utah/northern-utah/.