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How Much Does Toledo In-Home Care Cost?

There’s no place like home just like Dorothy said in The Wizard of Oz. A survey proved this saying rings true today.  In 2014, AARP conducted a survey and found 71 percent of adults aged 50 to 64 want to stay in their current home to age. In the next age category of 65 and older, more wanted to stay home, accounting for 87 percent. Toledo offers plenty of resources to help seniors age and live comfortably and safely in their home. Multiple of services are available to help you live at home including medical assistance, household chore help, and companionship.

A Glimpse at Ohio Home Health Care

Ohio has more than 800 home health agencies.  

Toledo has 48 home health agencies that qualify for Medicare.

Ohio Department of Health certifies these agencies.

Low-income seniors might be eligible for home health services with Ohio’s Medicaid program.

The Bureau of Labor Statistics found that there were approximately 814,000 health aides employed in the United States in 2016, with about 65,710 in Ohio.

The average annual income for Ohio home health aides was $21,450.

A quick look at homemaker services

In 2016, the median cost of homemaker services in Toledo was $125 a day, which equals $45,760 by figuring a daily average five times a week for 52 weeks.

Homemaking services help seniors with daily and routine household chores such as cleaning, running errands, shopping, preparing meals, laundry, organization, and washing dishes. There are also homemaking services to aid seniors with:

Getting dressed and personal hygiene

Socializing with activities such as games, letter writing, and scrapbooking

Taking prescription medications

Caring for pets and plants

Checking for safety

Communicating with the family regarding the senior’s physical and mental health

Homemaking services are a viable solution for individuals that can manage their health but may need help with household chores to live at home.  This service also provides regular companionship to prevent loneliness.

Medical Assistance Available

If you need some medical care, you may want to consider hiring a home health aide.  The services for a home health aide are slightly more expensive in Toledo with the average cost of $127 a day. If you compare this average rate to the average nursing home rates in Toledo, you will see how much money you can save. The average cost for a semi-private nursing home room was $236 a day, and a private room averaged $264 a day.  Using these prices, you could save $39,600 - $50,000 a year contingent on your nursing home room and style selection.

Home health aides also perform non-medical chores like the homemaker service. However, they are trained to monitor some medical conditions such as checking blood pressure, dressing wounds, and aid with mobility tools.

State home care agencies typically employ home health aides. They are required to complete training requirements set by the state. Aides must complete both classroom and clinical experience, which is all supervised by a registered nurse. With this training, home health aides are equipped to check blood pressure, assist seniors with walking, and dispense medicine.

Different Types of Care

Every person’s situation is different, and your situation may change from time to time. Home Health Care Agencies will work with you to create a plan for your needs, and you can update as your needs change.  Different levels of care include:  

Respite care gives your regular caregiver a break or covers when he or she is unavailable. This care can be a few hours, days, or weeks. Because this is a short period with little commitment, you can use this time to screen for new health care providers down the road.

Part-time care is regularly scheduled care that is either a few hours daily or a few days a week.  This care typically provides assistance with light cleaning, laundry, meal preparation, grocery shopping, and companionship.  Part-time care is an excellent choice for seniors that don’t need medical care but require assistance with household chores.

Full-time care is similar to part-time care but is the typical 40 hours a week.  This is a great option for care while family members work.  You can hire this care for overnight to prevent falls in the middle of the night.

Live-in care is best for seniors that need constant, supervised care, but do not want to leave their homes.  Usually, multiple caregivers will split the time to cover day and night.

Getting Ready to Hire Home Care

Your first decision is if you want to hire your aide directly or work with an agency. One benefit of hiring an agency is that they handle all the taxes, paychecks, insurance, and licensing requirements.  Plus, an agency has several aides, so it is easier to find a replacement quickly if needed.

If you want to hire directly, you do get to pick the person directly.  You can even choose to hire a family member. You will be in charge of taxes, payroll, and insurance with a direct hire, which some people may find too cumbersome.

Ask around for referrals.  You should also check for online reviews to find some honest feedback. The Better Business Bureau is another great source to check for a grade and complaints.

How to Pay for Home Health Care

Your long-term care insurance policy should cover some or most home health care expenses.  Your doctor will most likely need to prescribe these services as needed for your health.  Low-income seniors may also be eligible to receive home health services through Ohio’s Medicaid Program. If you were a wartime veteran or a widow of a wartime veteran, you may be eligible for a VA Aid & Attendance pension to help cover your home health expenses.

If you don’t have any insurance or benefits but you own your home, a reverse mortgage pays you the equity in your home. You can cash out some life insurance policies early.  However, both of these options have several implications you should consider with taxes and inheritance.  We recommend you discuss these choices with your financial planner, attorney, or accountant prior to making a decision.

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