Whether you live in the retirement communities in Stonehenge or Five Points, you probably enjoy your home, neighborhood, and life. Just because you’re aging doesn’t mean you have to give that all up to live in a nursing home with full-time care. You can age in place and use services like a homemaker to keep your house clean, cook your meals, and do other chores or errands or you could employ a home health aide to help you with personal grooming, monitoring vital signs, and remembering to take your medication all from the comfort of your own home.
If your doctor has recommended that you get care to stay in your home safely, you have a few different options on how to pay for in-home services. First, if you have long-term care insurance, check your policy to see if any of these services are covered. Veterans can check their VA benefits and low-income seniors can use Medicaid benefits. The North Carolina Department of Health and Human Services has a few different programs in the aging and adult services division like in-home aides, home care management, and home-delivered meals.
Your particular cost is going to be unique to your location, the type of care you use, and how often you use it. That being said, you can look at averages to start to get a rough idea of the cost in your area. National monthly averages for in-home care services are around $3,800.
The averages in Raleigh are fairly close to those national averages. Homemaker services cost about $3,814 per month and home health aides are around $3,956 per month. So if you break it down into a day to day cost, that is about $125 to $130 per day. Now, keep in mind these are just averages and you might not need services every single day. It’s also less expensive to use in-home care than to get a semi-private room in a nursing home ($228 per day).
You need to do plenty of research in order to find a provider that fits your needs, budget, and schedule. You can start by asking around for suggestions from friends, neighbors, family members, or your doctors. It’s even better if these people have used a service in the area and can let you know whether they liked it or not. You can also check out the Better Business Bureau of Raleigh to read business reports and see user reviews.
After your initial search, narrow down your list by calling each provider and asking as many questions as you can. Start with making sure they’re bonded and have the proper licensing and insurance. You can also see how they hire their employees and ask if they use background checks. Make sure you know all of their payment options and plans and how they schedule their clients. If you think you’ve found the right place carefully read over any contract before signing to avoid surprises.
Nothing says you have to use a homemaker or a home health aide and in fact, the beauty of in-home care is that you can customize your plan. Internet concierge services have grown immensely over the years and it’s easier than ever to find what you need online.
Have pets? Go to Rover.com to find dog walkers and pet sitters. Have a messy house or an errand you need to run? Check out Handy for housecleaners and TaskRabbit for the rest of your chores. You can even find people to help you repair or remodel your house on Porch.com and Amazon Home Services. Make sure to ask questions and go over any terms of agreement first.
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