When you’re over the age of 65 and do not need medical assistance, but would still like an assistant to help you with daily tasks like dressing, hygiene, and home care services, then you’re looking for a non-medical elder care assistant.
There are many non-medical care assistance services you can work with but paying for it can be difficult if you’re under financial strain. While the financial assistance you can receive for non-medical home care is more limited than medical care, some services can help people in your situation.
Paying Out-of-Pocket
The first way of paying for elder care is by paying for the service yourself out of pocket. Professional non-medical home care assistance can be costly for some elders and their families, making it an infeasible option for some people in the long run.
Insurance
Contact your insurance agency and look over your coverage plan. While potential coverage changes from policy to policy, traditional insurance may cover some or all of your non-medical care assistance in the right circumstances. Also, contact the care company you’re looking to hire from to see if they will accept your insurance.
Using Federal or State Healthcare Plans
The federal government has added more and more health care assistance options for people who qualify for government assistance, but the plans are more limited if you’re looking to get non-medical assistance covered. There are still some options available for you.
Medicare
If you are still covered by original Medicare or are in the Medigap program, this service will not cover the cost of non-medical assistance. On the other hand, if you are enrolled in Medicare Advantage, you may get some help covering your care assistant. Reach out to your Medicare provider and see if your policy offers this kind of assistance.
Medicaid
Medicaid policies and coverage plans vary from state to state, but many states are offering more help for people who require non-medical assistance to live at home. IF YOU ARE A MEDICAID RECIPIENT YOU MIGHT QUALIFY FOR OUR HOME CARE SERVICES FOR FREE. Please contact us or look into your state Medicaid policies and see if they offer any help for people like you. It’s more common than you might think!
Finding an Affordable Assistant
Even if you can’t find any financial assistance for your non-medical care assistant, finding a professional and affordable assistant can help you save money while you still receive the help you need. Find a local service agent and discuss with them a schedule that offers you the most assistance when you need it, while not overloading on hours.
While trusting in a family member or a friend to look after you may be cheaper, finding a professional assistant will ensure that you’re always taken care of when you need it without personal issues getting in the way of your care.
