Nursing Home Alternatives: Insurance for Home care is More Available than You Think
We all get old-if we’re lucky. Eventually things go wrong with our bodies and/or our minds, and there comes a time when we need more care than our families can provide.
Nursing homes are outrageously expensive, but what alternatives do we have? Sometimes, none. Other times, there are alternatives, at least temporary ones. Many people are placed in nursing homes, simply because their normal caretakers are working, and because the alternatives aren’t always fully understood.
The first question that needs to be answered is about the amount of care needed. Does the elderly person need regular medication, regular assessment, or does he simply need someone to watch over him in general. Many of the elderly suffer more from absent-mindedness (we claim that our brains are just too full) than from any need of physical care. Burning a pot on the stove is vastly different from wandering away from the house, uncertain where one is, or where one’s going. Neither one, though, calls for nursing home care. They can be cared for in the home.
Money is a big part of the problem with nursing homes. Sadly, all too often they seem to take everything a person has, and then want more. Money spent on home care, ahead of time, seems a pleasant alternative. The older person can remain in his/her home, be properly cared for, and enjoy far more individual care than nursing homes provide. Many people in nursing homes don’t need extensive care. They just need a little help, but they need somebody there for them at all times.
Home healthcare providers’ skills range through bathing individuals and performing light housekeeping (often including cooking), to full nursing care. There are numerous levels in between. Medications can be dispensed by trained persons who are not actually nurses. They need certification, but they have full training for the job. Sometimes the elderly only need someone to come in for a few hours a day, to help with cleaning and cooking. At times the need is little more than someone to provide companionship, and to keep an eye on things in general.
Agencies provide people for these jobs. They can also be found through ads, but care needs to be taken that the healthcare providers are what they say they are, and that they have certificates to prove it. People ask for references when they hire cleaning personnel. Certainly they should expect the same from someone who will be caring for a loved one.
Medicare pays for some homecare, usually part time. The care must come from a Medicare-certified home health agency. This is outside of the hospice program (where the patient has six months or less to live.) Private insurance is becoming more and more open to homecare, and most companies now have policies that cover it. These policies vary greatly, and each one has to be studied individually. Long term insurance is also adding more programs for home care. Workers’ Compensation, Veterans’ Administration, CHAMPUS, and the Older Americans Act provide homecare and/or advice. There are foundations that will pay for homecare for poor Americans.
Don’t panic when the need for help arrives. A nursing home might become the only option someday, but it isn’t necessarily today. Most older people dread entering a nursing home. Many see it as the end, with no chance of returning to their homes. Do be sure to check out possible alternatives before you make a decision. You’ll feel better for knowing that you’ve done everything you can to do the right thing.For more info about best essay writing service reddit click on link.