As the U.S. population continues to age and the baby boomer generation starts to enter into their 60’s and 70’s, long-term care is becoming more prevalent. There are many options but a large percentage of adults 65 and older want to be able to stay in their homes longer and get care there. Minneapolis has plenty to offer when it comes to in-home care and you can find the plan that works for you and your budget.
There are 207 Medicare-certified home care agencies in the state of Minnesota.
There are approximately 29,300 patients currently using home health care in Minnesota.
30,284 jobs were created in the home health industry and 21,472 employees are currently in the system.
The average daily wage for a home health aide is about $10.54 per hour.
Homemaker services usually entail extra help with daily activities and they tend to be a little less expensive. In 2015, homemaker hourly rates in Minneapolis were between $16 and $32. That comes out to an average of $58,344 over a 52-week year and 44-hour work week.
Homemakers can help you with a variety of tasks around your house and neighborhood like:
Grocery shopping, picking-up prescriptions, or transportation to appointments
Meal planning and preparation
House cleaning and laundry
Help with pets and plants
Provide companionship and socialization
These services are for seniors who are still relatively healthy, but perhaps can’t get around their house like they used to. A homemaker can’t take care of more skilled nursing services without proper training.
If you’re looking for more specialized medical care, then you will want to find a home health aide. Health aides are usually more expensive, but here in Minnesota, they are about the same with an hourly rate of $16 to $34. They are less expensive than a nursing home, though, which could cost up to $424 per day.
Since the state of Minnesota requires home health aides to be properly trained in order to be certified, they can handle more skilled medical tasks like monitoring blood pressure, safely transferring patients from a wheelchair into bed, or properly bandaging a wound. Agencies that wish to be licensed with the state have to go through further training and can handle emergency situations, proper communication, and seniors’ rights.
There is no one size fits all when it comes to in-home care which is why most agencies will allow you to create a custom plan with any one of these following options:
Respite: You can choose to have someone come care for you while your regular caregiver is away on vacation or perhaps sick. You don’t have to keep using the agency after your respite is over, but if you’re looking for a new caregiver this is a good way to do a trial run.
Part-Time: For seniors who don’t really want to have constant care, but have children who worry that they’re alone at home, part-time care can be a big help. Someone can come to your house for just a few hours a day or even just a few days a week to check-in and help out.
Full-Time: If you need to have someone with you at most times, whether that’s during the day or night, full-time care is what you want to choose. This is also a good choice if you’re a caregiver for a family member, but also have a full-time job. You can make sure someone is there while you’re at work.
Live-In: This is 24/7 care and will usually involve a few different caregivers who will rotate in and out of shifts. If you have a debilitating disease or family members that are miles and miles away, a live-in caregiver can give everyone peace of mind.
If you choose to hire your own caregiver without the help of an agency, that is perfectly fine but keep in mind that you will have to handle everything including interviews, background checks, payment, insurance, and taxes. If you would prefer not to deal with all of that, an agency is a good choice. They are also usually better equipped to handle emergency care, so if your normal caregiver can’t make it to your house, they can send someone else. Make sure you choose a reputable agency.
If you’re going to hire your own caregiver, do your research. Talk to friends and family to see who they would recommend and check the Minneapolis Better Business Bureau to see the ratings for each agency.
Medicare is one choice for finding coverage for in-home care, but they have fairly strict requirements and you have to use a Medicare-certified agency. If you’re a low-income senior, apply for Medicaid and they could help cover your costs. Veterans and widows of veterans can look into their VA benefits to see if there is long-term care coverage.
You could also get a reverse mortgage to free up some funds, but you will have to get counseling with an HUD-certified agent before you go ahead with this choice. A long-term care insurance policy is helpful and could cover your costs, but you could also cash in a life insurance policy. This also has some financial consequences so make sure you know all the risks involved.
Find assisted living in Minneapolis near you.