Those of us with an aging loved one in our lives must keep a close eye on them. This can be a difficult and delicate task, especially if your senior requires medical support. And while a caregiving service can provide extra support, that comes at an additional cost. Will your health insurance cover that bill?
Although it can be difficult to discuss, you should speak with your family about caring for your elderly loved one. In reviewing the options, discuss the medical services offered at Coastal Home Care. We provide professional home care, hospice support, post-operative care, and other services in Sussex County, DE, and the surrounding area. Our expert staff is dedicated to treating patients with respect and empathy. Together, we can help your loved one maintain their independence and live on their terms.
Below, we lay out the costs associated with home care as well as payment and financial assistance options for it:
How Our Services Work
Since we previously discussed the benefits of home care, let’s outline its functioning. Also, note the difference between home care and non-medical support services. Professionals in the latter field can help seniors with daily living activities but not their medical concerns.
We start all our new patients with a personal assessment, carried out by one of our Registered Nurses. Then we develop an individual “Plan of Care,” which defines each patient’s daily medical needs. It may also incorporate support with self-care activities: showering, meal prep, cleaning, etc.
Once a patient’s Plan of Care is developed, one of our Certified Nursing Assistants travels to that patient’s home to carry it out. Some clients receive a few hours of daily care, while others require round-the-clock assistance. Either way, our staff accommodates your loved one’s needs.
Pricing & Payment Options
We price our services at an hourly rate, and you can estimate an overall price using our online cost calculator. However, different services and Plans of Care may vary in specific price points. We suggest that you reach out to us for a more accurate estimate.
There are several payment options for our services. Many private health insurance plans pay for home care, though coverage amounts vary between providers. You might also purchase a long-term care policy, which private insurers offer just for assisted living or home care services.
Furthermore, Medicare will temporarily cover one’s home care costs at a qualifying care agency if a physician deems them necessary. Finally, veterans can receive VA-covered home care if they qualify, though further conditions may apply.
If you or your loved one cannot utilize any option listed above, you still have other avenues to afford home care. Several financial support options exist, including Medicaid as well as Delaware and other states’ non-Medicaid programs.
Those with a life insurance policy could take out a loan on its cash value or convert it into cash. Assets can be liquidated or a reverse mortgage taken out on a home to cover the cost. You should consider home care loans if you must wait for other financing options to become available.
Personal and Professional Home Care Services Available in Sussex County, DE
Seniors, like everyone, want to live on their terms. They deserve that independence even if they suffer from medical conditions that require daily assistance. Now, you can support them by reaching out to Coastal Home Care. We are an experienced caregiving service that offers professional home care, hospice support, and other services across Sussex County, DE. Call our Delaware number today at (302) 752-1800 or fill out our online form for a consultation.