Funds to Pay for Home Care

As a licensed home care service agency, we get a lot of questions regarding how to pay or find funding to pay for home care services. Therefore, we decided to provide you with the options that are generally available, so one may be able to get home care services thereby providing help to those individuals that need some assistance with activities of daily living. Each option will come with some things to consider.

  • Medicaid      

Challenges                                                                                                                                                                                –You would be evaluated by a nurse and must qualify for home care services                               –Your Medicaid status must allow you to join a Managed Long Term Care program (MLTC)   –You would have to wait from a weeks and up to a few months depending on your Medicaid status and other pending conditions                                                                                                  –The amount of hours and days of service is directed by a nurse                                        Benefits                                                                                                                                                                                       –Once enrolled you can get services on a long-term basis                                                                         –You can get additional benefits provided by the MLTC

  • Medicare                                                                                          

Challenges                                                                                                                                                                                   –You would be evaluated by a nurse and must qualify for home care services                              –You must have a prescription by your doctor to get these services                                                    –It is provided on a short-term basis and there is anannual maximum benefit                   Benefit                                                                                                                                                                                          –You can have help around the house while recovering from a sickness or injury

  • Long Term Care Insurance                                                                                 

Challenges                                                                                                                                                                                –You would be evaluated by a nurse and must qualify for home care services                              –There is a daily limit – Check the fine print                                                                                                          –There is a weekly limit – Check the fine print                                                                                                    –You might have to pay for some services out of your own pocket until the insurance coverage kicks in                                                                                                                                                        Benefits                                                                                                                                                                                        –This is one of the best coverage options one could have especially if your part of the working class                                                                                                                                                                           –Some policies are so great that all services needed could be covered

  • Workers Compensation                                                                                      

Challenges                                                                                                                                                                                   –You would be evaluated by a nurse and must qualify for home care services                              –Can take some time to put into place depending on who is working on your case (i.e. lawyer or Workers Comp agency handling your case)                                                                     Benefit                                                                                                                                                                                         –You can have help around the house while recovering from a sickness or injury–

  • No Fault Insurance                                                                                                       

Challenges                                                                                                                                                                                   –You would be evaluated by a nurse and must qualify for home care services                              –Can take some time to put into place depending on who’s working on your case (i.e. lawyer or Insurance company handling your case)                                                                           Benefit                                                                                                                                                                                        –You can have help around the house while recovering from an injury

  • Aid & Attendance                                                                                                    

Challenges                                                                                                                                                                                   –You would be evaluated by a nurse and must qualify for home care services                              –The overall process will require some documentation from the individual                                    –Depending on how quickly you submit the documents will determine how quickly you get services in place                                                                                                                                                   Benefits                                                                                                                                                                                        –Once you are eligible, it can be a lifetime benefit                                                                                           –You can use this benefit to cover nursing home cost if needed in the future

  • Private pay (Paying for services out of your own pocket)

Challenges                                                                                                                                                                                  –NONE – That’s correct                                                                                                                                        Benefits                                                                                                                                                                                         –You can pick how many days and hours of service you want or need                                                –You can interview a few aides to see which one you like best                                                                  –We provide a private portal for our clients                                                                                                          –You can have your aide provide you services in a hospital and other places where you would not be allowed through an insurance plan

At First Care of New York, we believe everyone’s health is important, which is why we have all our Certified Home Health Aides and Personal Care Aides trained efficiently so that you or your loved ones are getting the right health professionals in your home to provide safe care. If you or someone you know is having difficulty with activities of daily living, please feel free to reach out to us for a free consultation at 718-741-5950. Or you can visit our website http://www.1st-care.org/privatepay/

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