When the time comes for a little extra assistance, it’s no surprise that seniors in the Oklahoma City area consider in-home care as an option. Not only does having a caregiver come into your home allow you to live at home for longer, but it’s also an affordable option in the area. According to 2015 statistics, seniors who utilized in-home care paid a median of $119 per day in Oklahoma City, compared to $109 per day for assisted living, and $184 per day for private care in a nursing home.
Here we review some of the facts about in-home care, including the provider, customer experiences, and how to find and pay for the care that best match your needs.
Seniors in the Oklahoma City area have a number of in-home care providers to choose from. In general, the care options fall into two categories, personal care (sometimes called companionship care) or home health assistance. Many of the area providers offer both types of care depending on your needs. Providers all meet the requirement of having a state certification and listing their business among those at the Department of Aging and Disability Services Home and Community Support Services Agencies program.
SeniorAdvisor.com maintains a wealth of listings and user reviews on agencies and providers throughout the country. We’ve scoured the comments to determine some of the most important factors and criteria clients search for when choosing an in-home care provider. Here are just a few:
Friendly and reliable staff.
Organized office and billing procedures.
Peace of mind for family who are out of the area.
Consistent caregivers who develop a relationship with their patients.
Flexible scheduling with same-day services available in case of an immediate care need popping up.
In-home care is unique in that it can be completely customized to meet the needs of you or your loved one. You may be considering using it for caregiver respite, allowing a caregiver time to themselves for rest or recuperation. Short-term care is a great choice when you need someone to stop by the house during the day and assist with things like preparing meals, or helping a loved one to bathe, dress, or groom themselves. Full-time care is available for loved ones who need a bit more attention and is great for peace of mind, if you live out of state or too far away to offer care yourself.
While you will most certainly have a primary care option that is your main choice, it can be a smart idea to have access to other resources in your area should the need arise. There are several ways to combine care to create a “toolbox” of choices. Here are just a few suggestions that might be smart to include in your resource list.
Hiring a care provider personally rather than through an agency is a good option if it’s important to you that you manage the entire process, or if a family member will be providing care and you wish to pay them the market rate for their services. Know that there are a few potential downsides to consider. It can be time-consuming to interview and select a direct provider, and once you do you will then be responsible for the payroll, insurance, and tax liabilities that come with hiring directly.
Sometimes, the best solution is combining care you’ve hired with agency provided care. This way, you’re able to compensate a family member for providing care and you will also have the option of contracting agency services in the event that the primary caregiver needs time away, or a special circumstance or situation arises.
Utilizing online shopping or local concierge services in the area is a smart way to delegate tasks that can bog down your day. Some providers offer same-day delivery of things like household items or groceries, and others will come to your home to care for your pet or your plants, giving you more time to focus on what’s important.
Working with agencies means taking the time to do some research before inviting them into you home. It’s smart to ask for recommendations, and spend some time online reading reviews and customer feedback. The Better Business Bureau of Central Oklahoma is an excellent resource to research providers in your area.
You may qualify for assistance to pay for in-home care from Medicare, if you meet their specific eligibility criteria. For those who aren’t qualified, but have a low income and are in need of in-home care, consider applying for help from Medicaid. Another option available to military veterans who served during an active wartime and their spouses is applying for funding through the VA Aid & Attendance pension.
If you will be paying directly for your care, check to see if you have a long-term care insurance policy that has benefits to cover your needs. A second option available to homeowners may be applying for a reverse mortgage and using those funds to finance your care.
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