There are no shortage of reasons why seniors in the Louisville area may consider in-home care over a facility alternative. Not only does care provided in the home allow them to stay in familiar and comfortable surroundings, but the cost of in-home care is very comparable to other options.
In fact, in 2015 in the Louisville and Jefferson County area, seniors paid a median of $119 daily for in-home care compared to $118 daily for assisted living and $236 daily for private nursing home care. In-home care can be an affordable care option for seniors who require help.
To better understand some of the benefits of in-home care, below we review the services available, what customers have to say about the providers in the area, and some suggestions on determining the best providers for your needs.
Louisville seniors have nearly 50 providers to choose from who offer personal or home health care in-home services in the area. Providers are required to obtain a state certification and list their business with the Department of Aging and Disability Services Home and Community Support Services Agencies program.
SeniorAdvisor.com offers us a wealth of knowledge and information in their customer reviews that give us a strong understanding of in-home care needs and experiences in the area. Check out a few feedback highlights from clients.
Reliable and friendly service. “Our experience with Senior Helpers has been a very good one! The people they've sent have been on-time and reliable, and the administrative staff have been very accommodating in terms of schedule changes. We are very pleased with the service,” wrote a client of Senior Helpers.
Staff who build great connections with their patients and offer respite to family members. “My parents look forward to Steve's visit for the next week as soon as he walks out the door. Has helped me and my sister a great deal knowing that for a couple hours a week someone else is there giving us a break,” wrote the daughter of a Premier Caring Hands patient.
One additional frequent comment in online reviews noted the ability of local providers to send out staff at the last minute. Rest easy knowing that if something comes up on short notice, agencies are able to send help in your area.
Care provided in the home is completely personalized, and providers will work with you to put together a schedule that offers assistance when you need it most. Options like respite care for caregivers, part-time care during the day to assist with things like meal preparation or companionship, or full-time care on a live-in basis are available.
While you will likely have a primary care choice, sometimes it’s a good idea to understand all of your care provider options and have resources that include a combination of care. Here are a few suggestions on ways to combine providers for the best solution for you.
Obtaining a primary caregiver through a direct hire is one way to ensure that you are completely responsible for the care choice. In this option, you are able to compensate a family member who provides care at the market rate, or you can interview and select an applicant who you feel is the right match for your loved one. By hiring directly you become an employer and will be responsible for managing any insurance, payroll, and tax liabilities for your employee.
If a family member will be providing care for you or your loved one and you want to compensate them, but you also need access to agency services like respite care or part-time care during the day, consider combining direct and agency care.
Services in your area like online shopping or local concierges can assist with lightening the load on a caregiver. Help is available for a variety of errands and tasks, like walking your dog or shopping for groceries, and services like Amazon Prime offer same day delivery of household items right to your front door.
It’s easy to find quality service and providers in your area. Ask family members or friends you trust for recommendations and browse user reviews online to learn about customer experiences with the business. The Better Business Bureau of Southern Indiana and Western Kentucky is a great site to visit for feedback from area residents about agencies in your area.
Medicare will provide financial assistance for in-home care to seniors who meet their very specific criteria. Seniors who do not meet all the requirements, but who have a low income and few assets can apply for funding from Medicaid to help pay for care. Alternately, if you are a vet who served during a wartime, or a widow of one, you may be eligible for funding from the VA Aid & Attendance pension.
Seniors looking to pay for care directly can look to benefits from long-term care insurance, or to a reverse mortgage option on their home.
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