Home Care FAQs
Does Social Security Cover Home Care Costs?
The short answer is unfortunately, No. Home care costs are typically excluded. While skilled nursing care is covered for a limited number of visits if ordered by a doctor, it's important to consider caregiver selection carefully when planning for your needs. Additionally, long-term care insurance may provide coverage options that are worth exploring.
How About Private Health Insurance?
In some rare cases, private health insurance will cover home care costs, but most often the answer is still no. These types of insurance are primarily designed to pay for skilled nursing care, physical therapy, and occupational therapy. It's important to note that when considering caregiver selection, long-term care insurance may also come into play, but it typically does not extend to home care.
How About Long-Term and Short-Term Care Insurance?
Ah, the first bit of good news. Most often, these long-term care insurance policies will cover in-home care if you meet the policy conditions. Those conditions usually involve a doctor ordering the care or the covered person needing assistance with Activities of Daily Living. Additionally, effective caregiver selection can help manage home care costs efficiently.
How Are Caregivers Selected & What If I Don't Like Mine?
We ensure optimal caregiver selection by considering their skill set, availability, and proximity to your location. Most often, the fit is perfect; however, if the personalities don’t align, you can easily call us to request a new caregiver. With over 90 caregivers at Alliance Care, one is bound to be perfect for you. Plus, understanding home care costs and how they relate to long-term care insurance can help you make an informed decision.
What If I Change My Mind & Don't Want Care?
You only pay for the home care costs associated with the services you use. As long as you call us 24 hours ahead to cancel, you pay nothing. This approach allows for flexibility in caregiver selection and ensures that you are only billed for the care you actually receive, which can be beneficial for those managing long-term care insurance.
Question Of The Week - From A Customer?
We offer long-term care insurance with an elimination period of 45 days. When and how will we find out when they start to pay? Alliance Care will assist you in the caregiver selection process and will file your claims for you, tracking the insurance company payments if you prefer. We will inform you when the insurance should start paying and will call on your behalf to ensure that they do, helping you manage home care costs effectively.