Many older adults desire to stay in their homes as long as possible, avoiding placement into an assisted living or senior living setting. This can be a viable option as long as an elderly parent or loved on has adequate help in the home as additional care and support becomes necessary. It is important however, to research the range of options available to maintain this desired lifestyle. There are different levels and types of care which can be offered in the home depending on your loved one’s needs.
Make Decisions Early
All too often, families don’t have discussions or make these decisions until a catastrophic event occurs and it becomes absolutely necessary. Other family members (in cooperation with physicians and other healthcare providers) are then faced with determining whether arrangements can be made for their loved one to remain in her home or whether an alternative living arrangement, such as nursing home placement, will be necessary.
Home care can be more affordable than residential senior living settings, depending on how much care your loved one requires. But home help providers can’t provide more complex services, and non-medical in-home care is not covered by Medicare or Medicaid in most cases.
Evaluating Your Options
There are a few questions you should ask yourself if you’re considering hiring at-home care for an aging loved one. These questions will help guide you in making the right decisions for your family.
- What support do you have available? Do you have family, friends or neighbors, and how willing are they to become involved? Are there people in your life who can and will step in when needed to help with the lighter aspects, such as house cleaning, errand running, or providing a respite for the caregiver?
- Do you have the financial ability to pay for care? Obtaining help now or in the future is something you should budget for. Also, look into what the financial obligations are when using a home health or private agency so you can create a financial plan in advance. Call your local office of aging and inquire about what services they provide and about income guidelines.
- What are your loved ones medical needs? Does your elderly loved one have chronic medical conditions that will inevitably worsen over time? This is specific area of concern when evaluating your options. Consider mobility and health concerns, possible future complications and how you might handle them.
Finding the Right Home Care Services
Once you have determined your needs, it’s time to evaluate what services your loved one will require to help maintain her independence. It’s time to look for outside providers. Ask among your network of friends and family to find out what local services might be available. Sometimes the best referrals come from your personal network.
Older adult resources such as the Area Agencies on Aging, eldercare specialists such as geriatric care managers, and senior centers can also be great places to start. When it comes to home health care, your physician will also be able to help with the referral process and may have recommendations or advice. . Insurance providers will sometimes cover a portion of the costs associated with homecare services, if the care is necessary due to a medical condition.
Full-Service Agencies vs. Independent Providers
There are two main types of in home care available to seniors: Full-service agencies and independent providers.
- Full Service agencies typically range from companion services to complete nursing services. They can be more expensive but the trade-off is their caregivers have often been carefully screened with extensive background checks. This provides a little peace of mind and helps you feel comfortable with the caregiver in your home. Most states require these caregivers to be certified according to specific state standards, such as taking an examination to become a CNA. And if a caregiver is unable to work due to illness or emergency, a replacement is typically sent to the home when using the full-service option.
- Independent Providers are often less expensive. However, you’ll want to do the legwork to carefully screen your employee. It’s also a good idea to check backgrounds and verify identities. The other downside is not having a readily available replacement should your employee is unable to work on any given day.
Home care can be a viable option for helping your loved one remain independent and in her own home. It’s not right for everyone, however; some seniors prefer the socialization and activities available in senior living settings, and not all families can afford the costs associated with in-home care. Finally, your loved one’s needs may eventually exceed what the agency is able to provide, making a move to a residential senior care facility necessary.
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