How you pay for care at home depends on whether the service is by medically trained staff or by nonmedical caregivers. Also, what you can mix and match in terms of community programs and help from friends and family.
Medicare pays only for care in the home that requires the skills of a nurse, nursing assistant, physical therapist, or other medically trained professionals.
Accidents by their very nature are unplanned. That doesn’t mean you need to be unprepared for a fall or a serious incident (e.g., a heart attack or stroke).
Those who are prepared and have a professional advocate, such as an Aging Life Care Manager, are more likely to get the care and the outcomes they desire. Plus, they can recuperate in a setting most in line with their personal needs and preferences.
Imagine your life as a movie. If you are the director, an Aging Life Care™ Manager is your production manager.
He or she is a deeply knowledgeable guide (usually a nurse, social worker, or allied professional) who finds you high-quality help, arranges care “locations,” and advises you about needed services.
Aging Life Care Managers are part of a national organization with training requirements, codes of ethics, and a nationwide network of experienced colleagues in case you need to move to a different part of the country.
In your elderhood, it may be that your best, most affordable option is a group care setting. Learn the difference between assisted living, memory care, skilled nursing (rehab), a nursing home, and a continuing care community (aka life plan community).
Support is available for those who wish to stay at home. However, one-on-one care is expensive. And it’s not always easy to find caregivers. Community services can sometimes be patched together.
To stay at home, it helps to have a knowledgeable person check in periodically who knows eligibility requirements and can supervise and coordinate all the players.