87% of seniors age 65 and older want to be able to stay in their homes as long as possible, and 71% ages 50-64 want the same thing. In-home care can make this happen and St. Louis offers plenty of in-home care options that can fit your needs, budget, and schedule. These resources should be able to help you find exactly what you need.
Missouri Department of Health and Senior Services provides rigorous standards for home health agencies that want to be properly licensed.
There were 29,987 home health aide jobs created in Missouri in 2015.
The annual average wage for home health workers in Missouri in 2015 was between $22,000 and $23,550.
66% of people who need home care in Missouri have five or more chronic conditions.
Homemaker services can provide a lot of extra help for those that are still mostly healthy but might not be able to move around as much as they used too. They also tend to be a little less costly than other care options. In St. Louis, homemaker services cost about $172 per day in 2015. However, what exactly does a homemaker provide?
Homemakers are there to provide an extra hand when it comes to daily chores and errands. They can do things like:
Clean the house, change sheets, linens, and do laundry
Cook healthy meals
Spend time with the patient providing companionship and socialization
Inform the family of any mood changes or health issues
The only things that homemaker services don’t cover are specialized or skilled nursing tasks. As long as you’re healthy and just need extra help, homemaker services are a good choice.
While in most places home health aide’s tend to cost a little more because of their extra training, in St. Louis the daily cost is pretty much the same at $173, which is a pretty good deal considering the daily cost for a private room in a nursing home is about $190.
Missouri requires home health aides to complete an educational course as well as on-the-job training so they can provide services like blood pressure checks, medication reminders, and wound care. Agencies also have to complete training for licensure and make sure their employees can handle things like transferring patients from a bed into a wheelchair, senior nutrition, and proper communication. If you need more specialized medical care, you might want to look into a home health aide.
Many agencies will offer different types of care to fit your needs and you can build a custom plan from any one of these options:
Respite Care: If your regular caregiver is on vacation or had to take a sick day, an agency can send someone over to provide respite. This is also a good way to try out a new caregiver or agency, if you need to switch providers but aren’t ready to make a commitment just yet.
Part-Time Care: This works well for homemaker services especially if you don’t need someone with you all the time. A caregiver can come out once or twice a week or just a few hours each day to handle things like meal preparation or running errands.
Full-Time Care: If you want to make sure you don’t fall or have an accident, care can be provided 40 hours a week either during the day or overnight.
Live-In Care: This is the highest level of care for in-home patients where a caregiver is with you 24/7. If you don’t want to go to a nursing home but need constant supervision, this is your best choice.
You can go about finding an in-home caregiver one of two ways. You can hire someone yourself, but keep in mind you will have to handle everything if you decide to hire on your own. An agency can take care of all the details like interviews and taxes so you don’t have to worry about that.
Make sure you do your homework when it comes to choosing an agency or a caregiver. Check companies out through the Better Business Bureau, review their ratings, and talk with friends and family to see which places or people they would recommend.
A long-term care insurance policy is a great way to cover the cost of in-home care. However, be sure to talk with your agent to make sure it is included in your coverage. St. Louis has plenty of Medicare-certified agencies, so if you have met the requirements for Medicare you can use that resource to pay. You can also look to Medicaid and see if you qualify for coverage, which may help take care of costs.
If you have a home, you can talk with an HUD-certified agent to see if a reverse mortgage is a good option to get some extra funds for care. You can also consider cashing out a life insurance policy. However, be sure to find out all of the risks before you choose either of these options.
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