Can Insurance Help Me Pay For Senior Care?
When its time to find extra help for the elderly that you love, sometimes health insurance can be your best friend. There are several questions that you can ask to find out whether your insurance will be able to help you pay for senior home care in Washington DC.
First, read your insurance policy. Most comprehensive programs will offer some sort of assistance, but there are often stipulations that must be met. For example, your loved one will likely need to receive a certain level of care to qualify. This could be as simple as needed help to prepare meals, or it might be as complicated as needing shower assistance due to immobility, Parkinsons or Alzheimers. Sometimes insurance programs will be looking for specific problems to cover.
After seeing if long-term insurance can help with care, you will need to determine what type of care your elderly loved one needs. There is a wide range of options for senior care from Washington DC hourly care at home a few days a week to around the clock care at home for maximum comfort, safety and convenience. The specific needs of your loved one will be a large determining factor in which type of care would be best.
A licensed care agency that is bonded and insured will be able to help you pay and fill out the paperwork associated with long-term care insurance. Simply speak to the care agency manager or office worker and see what their options are and which insurance companies they work with. These individuals will be more than happy to answer your questions about insurance and can tell you how much of the care you can expect to be covered.
Senior care sometimes means physical therapy and occupational therapy, as well. These are generally seen as part of comprehensive care by health care professionals, but are not always covered by insurance programs. Sometimes, the insurance will pay for part of physical therapy and may decide when to stop covering. For seniors who may never really stop physical therapy, a short amount of coverage doesn't always help.
If your insurance doesn't help with senior care as much as you'd like, there are some other options. Veteran's benefits, for example, are available for veterans and their spouses or widows. This can really help offset the cost of senior care although not everyone qualifies. Like insurance, they sometimes require a certain level of care before the benefit will kick in.
Talking to a Washington DC at-home care provider can help you understand the level of care that your loved ones need and the amount that the insurance and benefit companies will help you with. If you are interested in scheduling a free in-home consultation, contact Home Care Assistance today and speak with a reliable Care Manager.
First, read your insurance policy. Most comprehensive programs will offer some sort of assistance, but there are often stipulations that must be met. For example, your loved one will likely need to receive a certain level of care to qualify. This could be as simple as needed help to prepare meals, or it might be as complicated as needing shower assistance due to immobility, Parkinsons or Alzheimers. Sometimes insurance programs will be looking for specific problems to cover.
After seeing if long-term insurance can help with care, you will need to determine what type of care your elderly loved one needs. There is a wide range of options for senior care from Washington DC hourly care at home a few days a week to around the clock care at home for maximum comfort, safety and convenience. The specific needs of your loved one will be a large determining factor in which type of care would be best.
A licensed care agency that is bonded and insured will be able to help you pay and fill out the paperwork associated with long-term care insurance. Simply speak to the care agency manager or office worker and see what their options are and which insurance companies they work with. These individuals will be more than happy to answer your questions about insurance and can tell you how much of the care you can expect to be covered.
Senior care sometimes means physical therapy and occupational therapy, as well. These are generally seen as part of comprehensive care by health care professionals, but are not always covered by insurance programs. Sometimes, the insurance will pay for part of physical therapy and may decide when to stop covering. For seniors who may never really stop physical therapy, a short amount of coverage doesn't always help.
If your insurance doesn't help with senior care as much as you'd like, there are some other options. Veteran's benefits, for example, are available for veterans and their spouses or widows. This can really help offset the cost of senior care although not everyone qualifies. Like insurance, they sometimes require a certain level of care before the benefit will kick in.
Talking to a Washington DC at-home care provider can help you understand the level of care that your loved ones need and the amount that the insurance and benefit companies will help you with. If you are interested in scheduling a free in-home consultation, contact Home Care Assistance today and speak with a reliable Care Manager.
Source...