According to the Genworth 2015 Cost of Care Survey for Kentucky, an in-home health aide averages $19 per hour which is much less than the average cost of a nursing home in the city. If you need assistance full-time, part-time, or just on a respite care basis, an in-home care agency can be your answer.
As you are shopping around for in-home care, consider the top qualities you want to see from an agency. These qualities can include flexible scheduling, creating a special bond between caregiver and client, and friendly reliable service. Read online reviews to get an idea of what to expect. The following are a few of online reviews written by family members of clients and posted on SeniorAdvisor.com:
Regarding flexible scheduling: “Comfort Keepers has worked with us to provide my mother-in-law with support at night. They check in with you and work to make sure you have the best people for your situation.”
Regarding that special bond between client and caregiver: “I think she's been coming about 8 weeks now and my mother in law loves her; that's the most important thing. She really looks forward to her visiting and it really relieves me if I can't get there during the week.” (Comfort Keepers)
Regarding friendly and reliable service: “Things have gone very well with Home Helpers! They've been very easy to work with. Everyone we've spoken to has been very personable, and very eager to help! The caregivers have always been on time, and we haven't run into any issues with scheduling or availability. It has been a good experience so far!”
One of the perks of employing an in-home health aide is the flexibility. Whether you need someone in Lexington to check on your loved one a few evenings a week or someone to stay all day, the city provides plenty of agencies that can meet your need. One of the services offered includes respite care. You can use respite care to take time off for yourself or as a last-minute call when the normal caregiver is sick.
A senior care plan should leave room for home care alternatives in case you are sick or the regular caregiver needs a break. You can choose to use your option primarily, but keep contact information for other options in your phone in case you need last minute service.
Hire a personal in-home health aide instead of using an agency. You may find it less expensive to hire a caregiver on your own. These aides can be friends, family members, neighbors, or people you interview from recommendations. Always use due diligence when hiring someone you don’t know.
Use an in-home care agency for respite care. You don’t have to hire an agency for full-time or part-time care. Many agencies provide respite care to work in combination with your regular caregiver’s schedule, allowing them to take time off or take a sick day when needed.
Use a senior concierge service to handle little tasks. It’s easier to focus on your loved one’s care if someone else can handle the little tasks. A concierge service, like Concierge Girl, can take care of grocery shopping, bill paying, pharmacy pick-ups, and transportation to appointments in Lexington.
Always check out any agencies or concierge services through the Better Business Bureau. You can find plenty of online reviews and ratings from clients.
There are numerous ways to finance in-home care in Kentucky. If you private pay, you can withdraw funds from checking, savings, IRAs, retirement, and trust funds.
Long-term care policies cover in-home care and some organizations, like the Veterans Administration, offer groups of people benefits to cover the care they need to remain at home for a longer period of time.
If your loved one is eligible for Medicare, you should be aware that it only covers care for a slim set of circumstances.
Your loved one must be homebound and under a physician’s care plan.
Your loved one must need skilled nursing services or physical, occupational, or speech therapy.
The in-home care agency must be Medicare certified.
The Kentucky Cabinet for Health and Family Centers reports that Kentucky Medicaid will cover in-home care if your loved one qualifies for a Medicaid Waiver. Contact your local Lexington Medicaid office to see if your loved one is eligible for a Home and Community Based Waiver (HCB).
Consult with an elder-law attorney, financial planner, or senior care advisor to find more ways to finance in-home care.
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