26 May Home Care Services for Seniors serving Hillsborough, CA
“73 Home Care Services for Seniors Serving Hillsborough, CA”
Reliable Home Care Services available. Quality Caregivers and Home Health Care for Seniors. Please call us at 650-627-8318 or go to our web, https://www.oneononeseniorcare.com . We are LOCAL. Live in or Live out. References Available and US Veteran owned.
Home Care Services for San Mateo County and the San Francisco Bay Area.
Receive affordable, high-quality Senior Care in the comfort of your home.
Providing home care services for seniors, hospice care at home, Alzheimer’s care, cancer patient care, dementia patient care, and more for individuals in the Bay Area.
One on one senior care is dedicated to providing our clients with high-quality home care services that provide lasting benefits for clients and their families. Studies have shown that home care services from a licensed home health care agency can allow individuals to stay living at home longer, minimize hospital visits, and delay institutionalization. Plus, visits from our highly trained home health caregivers can provide several hours of valuable respite to family members who are providing full-time care to their loved one.
In-Home Health Care Services Provided For:
- Alzheimer’s Care
- Cancer Patient Home Care
- Care Following Skilled Nursing Discharge
- Dementia Patient Care
- Diabetic Home Care
- Home Health Caregiver
- Hospice Care At Home
- Home Care for Chronic Kidney Disease
- Senior and Elder Care
Are you in need of care for a different situation than listed above? Please give us a call or send us a message and we will do our best to assist you.
People in our community are saying wonderful things about One On One Senior Care!
Susan Patterson, RN Nurse for 30+ years
Thank you for the BEST Caregiver for our DIABETIC Mother in San Mateo. We went through over 10 caregivers until we found a Caregiver with One On One Senior Care, and their experience with diabetic patients is second to none… Our mother’s blood sugar stabilized within 2 years, and the leg wound that did not heal for 5 years is now healed and she is almost back to normal.. Now, we only check her blood sugar 1 once a week. Thank you!
Father O’Brien, San Mateo
One of my parishioners, Ella, was placed in a hospice when her heart began to fail after having triple bypass surgery. I visited her weekly to pray but her spirits were low and it did not look as if she would make it much longer. Her family then called ONE ON ONE and Ella was paired with a caregiver named Maria. After a year and a half, Ella has completely recovered and is doing well. I am now referring my ailing aunt to ONE ON ONE’s services!
Eli Smith
My ONE ON ONE in-home caregiver is kind, patient, compassionate, a wonderful cook, and so much more. If I am ever ill and in the need of someone to help me, I know I am in good hands. I can be independent in my own home and not have to worry about relying on my daughter for aid.
Kelly Meyers of Burlingame, California
Thank you for taking care of our DAD with KIDNEY failure and so thankful of his recovery that he did not have to go through a kidney dialysis, and his health is almost back to normal.
Nick, Julie, and Kathleen of Burlingame
Your team of caregivers are doing such a good job! Paula is a great, great caregiver along with Cathy. Thanks for the excellent service that you and your team of in-home caregivers have provided.
Mark, Allison, and Samantha
Thanks for the excellent service that both of your in-home caregivers have given our elderly parents! My parents have been happier and healthier now that they have someone who acts not only as a caregiver, but as a friend as well.”
Home Care Services That Work
We strive to provide our clients with home care services that will help to improve their quality of life and keep them at-home longer. This is why we work with a team of professional home caregivers in the San Francisco Bay and San Mateo County areas who are trained to handle the unique needs of our clients. Our in-home care can be more cost-effective than risking additional hospitalization or admission to assisted living or skilled nursing facilities. We offer flexible scheduling for in-home care services, ranging from four hours of care to 24-hours with a full-time live-in caregiver. Give us a call to get started (650) 627-8318.
Popular Home Care Services
Meal Planning and Cooking
Bathing, Dressing and Grooming
Light Housekeeping and Laundry
Transportation and Errands
Medication Monitoring and Incontinence Care
Recovery from Illness or Surgery
Walking and Mobility
Companionship and Support
Respite/Relief for Families
About Our Home Caregivers
All of our caregivers are local to the San Mateo County and San Francisco Bay Area. Our home caregivers are dedicated to providing high-quality home care services while ensuring clients continue to live independently.
Our certified home caregivers provide exceptional care while adhering to the Professional Association of Caregivers Code of Ethics:
- I will always treat my clients with kindness and respect.
- I will always arrive at the client’s home on time, preferably 5 minutes before the start of my scheduled hours. If I might be late, I will immediately call.
- I will follow the Plan of Care each day for my client.
- I will maintain a clean and organized home for my client.
- I will never leave my client unattended. If the relief caregiver is late I will immediately call the Care Manager.
- I will address my client by their last name unless they invite me to use their first name.
- I will honor the client’s right to privacy and confidentiality, including their identity, address, and telephone number.
- I will keep my religious beliefs, political choices, or personal issues private and likewise respect my client’s beliefs.
- I will call 911 immediately when there is a medical emergency and then call my senior care company office or Care Manager.
- I will not engage in financial transactions nor intimate relationships with a client or family member.
- I will never use alcohol or illegal drugs as a professional caregiver.
- I will only use my personal mobile phone for calls and texts during rest or break periods.
Consider Home Care Services For Seniors As An Alternative to Senior Care Facilities
One on One Senior Care believes that the best care is provided one-on-one with the client. We are proud to offer our clients the opportunity to remain at home while receiving the care they need. We find that our clients feel more comfortable staying in their own homes when situations allow it. Plus, they can stay more consistently on their preferred schedule and receive calls and visits from family as they are accustomed. We work with clients in a large variety of health situations and living circumstances. Whether you are looking for assistance while recovering from the hospital, in need of ongoing in-home care, or looking for assistance with daily activities, we have the perfect One on One home health care plan for you or a loved one. Contact us today and maintain your independence.
CONTACT US
People in our community are saying wonderful things about One On One Senior Care!
Susan Patterson, RN Nurse for 30+ years
Thank you for the BEST Caregiver for our DIABETIC Mother in San Mateo. We went through over 10 caregivers until we found a Caregiver with One On One Senior Care, and their experience with diabetic patients is second to none… Our mother’s blood sugar stabilized within 2 years, and the leg wound that did not heal for 5 years is now healed and she is almost back to normal.. Now, we only check her blood sugar 1 once a week. Thank you!
Father O’Brien, San Mateo
One of my parishioners, Ella, was placed in a hospice when her heart began to fail after having triple bypass surgery. I visited her weekly to pray but her spirits were low and it did not look as if she would make it much longer. Her family then called ONE ON ONE and Ella was paired with a caregiver named Maria. After a year and a half, Ella has completely recovered and is doing well. I am now referring my ailing aunt to ONE ON ONE’s services!
Eli Smith
My ONE ON ONE in-home caregiver is kind, patient, compassionate, a wonderful cook, and so much more. If I am ever ill and in the need of someone to help me, I know I am in good hands. I can be independent in my own home and not have to worry about relying on my daughter for aid.
Kelly Meyers of Burlingame, California
Thank you for taking care of our DAD with KIDNEY failure and so thankful of his recovery that he did not have to go through a kidney dialysis, and his health is almost back to normal.
Nick, Julie, and Kathleen of Burlingame
Your team of caregivers are doing such a good job! Paula is a great, great caregiver along with Cathy. Thanks for the excellent service that you and your team of in-home caregivers have provided.
Mark, Allison, and Samantha
Thanks for the excellent service that both of your in-home caregivers have given our elderly parents! My parents have been happier and healthier now that they have someone who acts not only as a caregiver, but as a friend as well.”
Home Care Services For Seniors Service Areas
Los Altos, California
Menlo Park, California
Palo Alto, California
Portola Valley, California
West Menlo Park, California
Woodside, California
Santa Clara County, California
Alameda County, California
San Jose, California
Contra Costa County, California
San Francisco, California
San Francisco County, California
Solano County, California
Oakland, California
Sonoma County, California
Fremont, California
Marin County, California
Santa Rosa, California
Hayward, California
Sunnyvale, California
Concord, California
Santa Clara, California
Vallejo, California
Berkeley, California
Napa County, California
Fairfield, California
Richmond, California
Antioch, California
Daly City, California
Vacaville, California
San Leandro, California
Livermore, California
Napa, California
Redwood City, California
Redwood City, California
Mountain View, California
Alameda, California
San Ramon, California
Pleasanton, California
Union City, California
Milpitas, California
Walnut Creek, California
South San Francisco, California
Pittsburg, California
Cupertino, California
Petaluma, California
San Rafael, California
Novato, California
Brentwood, California
Gilroy, California
Dublin, California
Newark, California
Danville, California
San Bruno, California
Rohnert Park, California
Campbell, California
Morgan Hill, California
Pacifica, California
Martinez, California
Oakley, California
Pleasant Hill, California
Foster City, California
Saratoga, California
Los Gatos, California
San Pablo, California
San Carlos, California
Suisun City, California
Benicia, California
Windsor, California
Belmont, California
Hercules, California
Lafayette, California
El Cerrito, California
Millbrae, California
American Canyon, California
Albany, California
Pinole, California
Dixon, California
Orinda, California
Moraga, California
North Fair Oaks, California
Mill Valley, California
San Anselmo, California
Larkspur, California
Half Moon Bay, California
Healdsburg, California
Clayton, California
Piedmont, California
Sonoma, California
Emeryville, California
Corte Madera, California
Tiburon, California
Cloverdale, California
Los Altos Hills, California
Fairfax, California
Sebastopol, California
Rio Vista, California
Cotati, California
Sausalito, California
St. Helena, California
El Granada, California
Calistoga, California
Brisbane, California
Emerald Lake Hills, California
Broadmoor, California
Highlands-Baywood Park, California
Monte Sereno, California
Moss Beach, California
Yountville, California
Montara, California
Ross, California
Belvedere, California
Colma, California
Ladera, California
La Honda, California
Pescadero, California
Loma Mar, California
At Home Alzheimers care for Dementia Patients
1 on 1 Senior Care provides high-quality home care options with professional home caregivers. We serve all of San Mateo County and the San Francisco Bay Area. We specialize in providing Alzheimers care and working with dementia patients. Our goal is to help keep our clients living at home and remaining independent as long as possible.
We have almost 10 years of experience working with dementia patients and we know how to communicate with and engage with these unique clients. Our Alzheimers care goes beyond just memory games. We complete a variety of Alzheimers activities that help to maintain a positive mood and keep attention focused on the care.
Our professional caregivers know that Alzheimers care is unique when compared with other care that they provide. They are trained to remain patient and attentive to the clients’ needs. Our caregivers can listen with their eyes and heart to maintain a positive atmosphere before things get tough. And if it does get tough, they know how to respond with affection and reassurance to help reduce confusion and anxious feelings that a dementia patient may be experiencing.
1 on 1 Senior Care works with a network of professional in-home caregivers dedicated to helping our clients live independently while improving their quality of life. Our in-home caregivers provide home care services all over San Mateo County and the San Francisco Bay Area.
We try to accommodate your individual needs and schedules. That is why we offer flexible care options that coordinate with family members and other needs. Our home care services are available in four-hour blocks to full-time 24 hours per day with a live-in caregiver.
Our caregivers are punctual, polite, and dedicated. Plus, they are local to the San Mateo County and San Francisco Bay Area. They can complete many services, from running errands and providing transportation to appointments and things like light cleaning and cooking. They ensure proper grooming and help with incontinence needs. Call today to get started.
Alzheimers Care for Dementia Patients in the Bay Area
San Mateo County and the San Francisco Bay Area have a large aging population that can get the home care they deserve. 1 on 1 Senior Care prides itself on being able to offer a service that has a positive impact on the lives we touch. Studies have shown Alzheimers care provided by a licensed home health care agency can allow individuals to stay living at home longer, minimize hospital visits, and delay institutionalization.
Alzheimers care for 1 on 1 Senior Care can allow family members who are otherwise providing full-time care to receive valuable respite so that they can leave the home and handle other matters as needed. We provide home Alzheimers care to dementia patients as well as assistance to those recovering from the hospital, ongoing in-home care, or assistance with daily activities. No matter your situation, we have the perfect 1 on 1 home health care plan for you or a loved one.
In-Home Health Care Services Provided For:
- Alzheimer’s Care
- Cancer Patient Home Care
- Care Following Skilled Nursing Discharge
- Dementia Patient Care
- Diabetic Home Care
- Home Health Caregiver
- Hospice Care At Home
- Home Care for Chronic Kidney Disease
- Senior and Elder Care
Are you in need of care for a different situation than listed above? Please give us a call or send us a message and we will do our best to assist you.
In-Home Senior Care
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Popular Alzheimers Care for Dementia Patients Services
Meal Planning and Cooking
Bathing, Dressing and Grooming
Light Housekeeping and Laundry
Transportation and Errands
Medication Monitoring and Incontinence Care
Recovery from Illness or Surgery
Walking and Mobility
Companionship and Support
Respite/Relief for Families
Receive the Best Alzheimers Care for Dementia Patients
We have almost 10 years of experience so you know you can count on 1 on 1 Senior Care. Our goal is to improve our clients’ quality of life and keep them living at home longer. Our network of professional caregivers follow the Professional Association of Caregivers Code of Ethics:
- I will always treat my clients with kindness and respect.
- I will always arrive at the client’s home on time, preferably 5 minutes before the start of my scheduled hours. If I might be late, I will immediately call.
- I will follow the Plan of Care each day for my client.
- I will maintain a clean and organized home for my client.
- I will never leave my client unattended. If the relief caregiver is late I will immediately call the Care Manager.
- I will address my client by their last name unless they invite me to use their first name.
- I will honor the client’s right to privacy and confidentiality, including their identity, address, and telephone number.
- I will keep my religious beliefs, political choices, or personal issues private and likewise respect my client’s beliefs.
- I will call 911 immediately when there is a medical emergency and then call my senior care company office or Care Manager.
- I will not engage in financial transactions nor intimate relationships with a client or family member.
- I will never use alcohol or illegal drugs as a professional caregiver.
- I will only use my personal mobile phone for calls and texts during rest or break periods.
PAGE REVIEWED / UPDATED – FEB. 25, 2022
Aging in place has become a priority for many older adults. According to a 2018 AARP survey, 3 and out 4 Americans over the age of 50 hope to remain in their current home as long as possible. Some may want to age in place due to an emotional connection to their home or community, while others do so out of a desire to keep their independence. In other cases, it may be a financial necessity to age in place rather than move to a residential senior community.
But, there can be some disadvantages to aging in place, especially for seniors living with chronic health conditions, acute injuries or illness, reduced mobility, and other ailments. For people in these situations, it can be hard to decide whether to age in place and risk their health or safety, or give up their independence to live in a community where assistance will be available.
Home care can be essential for seniors who find themselves in this challenging situation. Obtaining the services of a home care aide or home health care aide can enable seniors to retain their independence and age in place while still having access to the assistance and care that they need. Home care can make aging in place more manageable and safe for older adults of all ability levels.
There are many home care providers for seniors and their families to choose from, as well as different types of home care. In this guide, we explain what services are available with a home care aide, the different types of home care, the cost of home care, and financial assistance options. At the bottom of this page, you’ll find frequently asked questions about home care and a directory of home care providers in your area.
What is Home Care?
Home care is non-medical caregiving and assistance provided in the client’s home. Care may include assistance with activities of daily living (ADLs) such as bathing, transferring, and meal preparation; transportation; companionship; and more. It does not include medical care or therapies. Depending on the client’s needs, they may receive assistance from a home care aide anywhere from one hour a week to 24-hours a day.
Many seniors and their families choose home care as a way for the senior to remain in their own home as their needs and abilities change, rather than moving to a residential care community. Home care, combined with any necessary home modifications or assistive technology, can enable seniors to live out their Golden Years in the comfort of their own homes. Family caregivers may also seek home care services as a respite to make caregiving more manageable.
Who is a Good Fit for Home Care?
Home care oftentimes serves as an alternative to assisted living for seniors who wish to live independently. It can be a good care option for those who meet the following criteria.
- Seniors who struggle with mobility and need assistance safely moving throughout their home
- Seniors with impaired motor skills who need assistance with daily household tasks
- Seniors who no longer drive and need transportation to appointments, the grocery store, friends’ houses, and more
- Seniors who are isolated and desire the companionship of a caregiver
- Seniors who need assistance with ADLs including meal preparation, bathing, and more
- Seniors in need of housekeeping services such as cleaning and grocery shopping
- Seniors in the early stages of memory impairment
Who is Not a Good Fit for Home Care?
Though a good care solution for many, home care is not right for everyone. Below are some reasons why a senior may not be a good fit for home care. Note that this list refers to standard home care services, not home health care. Some seniors included in this list, such as those in need of therapy services, would be a good fit for home health care rather than home care.
- Seniors seeking the companionship of their peers rather than an aide or caregiver
- Seniors who need nursing care, or other regular medical care
- Seniors who want an all-inclusive lifestyle like those offered in many residential care communities
- Seniors who want physical, occupational, or speech therapy services in the home
- Seniors with advanced memory impairment who require a secure environment and around-the-clock care
How Do I Know If My Loved One Needs Home Care?
Many older adults eventually reach a point where they can no longer care for themselves the way that they used to. Home care is an appealing option for many seniors and their families because it can be used for just a few hours a week or on an as-needed basis for those who are having some difficulties, but do not need constant care. It can serve as an in-between for seniors who are struggling to care for themselves or their home completely independently, but do not need around-the-clock assistance. It’s also a good option for seniors who may have been resistant to moving out of their home, but who do need help with some of their ADLs. Though each individual is different, below are some signs that it may be time for in-home care.
- Weight loss or decreased muscle mass
- Decreased mobility
- Increased forgetfulness
- Worsening hygiene practices
- Neglecting to maintain home cleanliness or organization
- Inability to drive or any incidents while driving
- Isolation or signs of loneliness
- The occurrence of accidents and injuries such as falls
Some seniors may also need home care on a short-term basis, such as when they are recovering from a surgery or health emergency like a stroke. In these cases, the senior will be better suited for home health care than standard in-home personal care assistance.
Types of Home Care
Under the umbrella of in-home care, there are several different types of assistance and different roles of those who deliver these services. The type of care one needs will depend on their health, abilities, and, sometimes, budget.
Companion care services, personal care assistance, and home health care are three common types of home care. Keep in mind that as the client’s needs change, they may transition from one type of home care to another.
Companion Care Services
Companion care services are ideal for seniors who live independently and do not need much assistance with their activities of daily living. Those in need of companion care services oftentimes live alone and feel isolated in their day-to-day lives. The aide provides some much-needed social support.
A home care aide providing companion care may simply spend time with the client and engage with them, read to them, participate in the client’s hobbies such as board games or walking, or provide supervision. An elder companion may also provide transportation services and assist in medication management. Though typically companion care aides are not certified to administer medications or otherwise provide any type of medical care.
Companion care services are also a good option for those in the early stages of memory impairment who do not yet need much assistance, but who may not be able to be left alone. These clients may live with family members who cannot be with their loved one full-time due to work or other obligations.
Personal Care Assistance
Personal care assistance is ideal for seniors who need regular help with their activities of daily living. Personal care assistants can provide a broad range of services, including help bathing and toileting, grocery shopping, and mobility assistance to prevent falls.
These aides may not provide any medical care beyond medication management. This type of home care is comparable to the services residents receive in assisted living communities. So personal care assistants can certainly provide help to make the client’s life easier and safer. But it is not suited for those with regular medical needs.
Many families providing caregiving services for a loved one seek personal care assistance to perform the tasks that they are unable to safely or comfortably perform for their loved ones. For example, a wife who cannot safely support the weight of her husband who needs help getting out of chairs and their bed may hire a home care aide to help with her husband’s transfer. Personal care aides can also be used as respite if a family caregiver needs to travel or knows that they will be out of the home all day.
Home Health Care
Home health care differs from the other types of home care in that home health care aides carry certification to provide medical assistance. Unlike standard home care, which a senior or their family can seek out when they feel the time is right for them, home health care is typically recommended by a physician and may require a doctor’s written order to have the services covered by insurance.
Seniors who require frequent medical services, such as injections or infusions, can work with a home health care provider on a regular basis. Others may seek home health care on a short-term or as-needed basis, such as when recovering from an injury or surgery.
The range of services that one can receive from a home health aide is similar to what one would receive in a nursing home. Wound care, IV insertion, and occupational and physical therapy are all available with a home health care aide. Unlike companion care aides and personal care assistance, home health aides must have specialized training and certification, such as a nursing certificate, in order to perform these services. Those who have the proper certifications can even administer skilled nursing care in clients’ homes.
Helpful Resources
- Get Help Qualifying for Medicaid
- Alternatives to Nursing Homes
- Find Financial Assistance for Care
- Find Affordable Elder Care
Home Care and Home Health Care Services
Home care encompasses a wide range of services, which expands even further with home health care. Below, you can see the many possible home care and home health care services.
The services each individual client receives will depend on their needs and preferences and, sometimes, the ability of the caregiver. It’s important to always ensure that the hired caregiver is capable of providing the necessary care before establishing a contract with them.
Available Home Care Services
- Housekeeping, including cleaning, washing dishes, and laundry
- Medication management and reminders
- Meal preparation and grocery shopping
- Companionship
- Transportation
- Transferring and other forms of mobility assistance
- Assistance with activities of daily living including bathing, dressing, eating, and toileting
- Cognitive stimulation, including conversation, reading aloud, and playing brain games
- Supervision, especially for those in early stages of memory impairment
- Respite for caregivers
Available Home Health Care Services
- Medication administration, including injections
- Occupational therapy
- Physical therapy
- IV therapy and infusions
- First aid and wound care
- Blood withdrawal
- Respiratory therapy
- Management of chronic conditions, such as monitoring glucose levels for seniors with diabetes
- Maintenance of feeding tubes, colostomy bags, oxygen tanks and tubing, etc.
- Post-surgery care
Paying for Home Care Services
Though sometimes less expensive than comparable residential care, home care can be costly. Below, we explore the cost of in-home care and financial assistance options that can help seniors and their families cover the cost of care.
How Much Does Home Care Cost?
According to Genworth Financial’s Cost of Care Survey, the average cost of in-home care in the United States is $4,957 a month. For home health care, the cost is higher, at an average of $5,148 a month. However, considering that home health care can include nursing services, it is a more economical option than residential skilled nursing care, which costs an average of $7,908 a month for a shared room and $9,034 for a private room.
Keep in mind that the above figures are the national average. Depending on your location, home care can be significantly less expensive or much more expensive than the listed costs.
For example, in Louisiana, in-home care costs an average of $3,623, potentially saving residents over $1,000 a month compared to the national average. However, in Washington, the price for the same services average $6,547 a month.
Regardless of one’s state, home health care will almost always be more expensive than basic home care because of the medical certifications and training required of the caregivers.
How Can I Pay for Home Care?
Many seniors and their families find it challenging to pay for care, whether delivered in one’s home or a residential community. Fortunately, there are financial assistance options available for in-home care. Read on to learn more about the available options and if any of them may be able to lessen your financial burden.
Private Insurance
In some cases, an individual’s private insurance may cover some of the cost of in-home care. This typically applies to people with long-term care insurance, as most long-term care services, including home care, are not covered by regular insurance policies.
Long-term care insurance is designed to cover senior care, including in-home care. However, coverage varies depending on the insurance provider, the specific policy, and other factors, including the age of the beneficiary when they signed up for the policy. Often, long-term care insurance will only begin to cover care once the beneficiary needs assistance with at least two ADLs. So those only in need of companion care may not be covered even if they do have long-term care insurance.
Note that purchasing long-term care insurance once you already need care is typically not an option, and if it is, the policy will not cover very much. To learn more about these policies, visit https://acl.gov/ltc.
Aid and Attendance Benefit
Eligible veterans and their spouses may be able to use the Aid and Attendance benefit to help finance their in-home care. The Aid and Attendance benefit is an extra monthly payment that eligible veterans receive in addition to their regular monthly VA pension. While the funds do not directly cover in-home care, the added monthly income is intended for veterans who have care needs.
In order to qualify for Aid and Attendance, veterans must be receiving a VA pension and meet all of the associated eligibility requirements, plus meet at least one of four separate eligibility requirements. One of these four criteria is needing assistance performing one’s activities of daily living, so those in need of home care are likely to qualify. Some veterans may need a letter from a physician stating that they are in need of assistance before they are approved for Aid and Attendance.
The amount of assistance that one receives depends on several factors, including how many members are in their household and the overall household income. To learn more about Aid and Attendance and how to apply, visit the VA website.
Life Insurance
Though life insurance is intended to benefit the policyholder’s loved ones following their death, in some cases, it may be used to pay for long-term care, including home care. Some policies, referred to as hybrid life insurance, are designed to cover long-term care, though the specifics of what care is covered will vary.
Even those with standard life insurance policies may be able to transfer their current insurance policy to a cash payment. Depending on the specific case, policyholders may be able to surrender their policy to the insurance provider. Or they can sell their policy to a third-party group. In both cases, the cash value is almost guaranteed to be less than the original death benefit-sometimes significantly so. For this reason, it’s worth having a family discussion about whether transferring a life insurance policy to cash is the right decision. Some people may be better off keeping their life insurance policy as-is. Some may be unable to surrender or sell their policy, depending on the insurance company’s rules.
Reverse Mortgage Loans
Adults age 62 and older have the option of taking out a reverse mortgage to help finance long-term care, or any other expenses. These loans convert part of the value of one’s home to cash, so they are essentially a cash advance on the home’s equity. Oftentimes, the money received from a reverse mortgage loan is not taxed. This can give seniors some liquid cash to pay for long-term care without needing to sell their home prematurely. This makes it particularly useful for those using in-home care services.
There are several kinds of reverse mortgages. But the only one that is federally-insured is the Home Equity Conversion Mortgage (HECM). No matter which type of reverse mortgage you choose, you will need to repay it when the last surviving borrower passes away or moves out of the home. Keep in mind that you will have to pay interest on the loan. And borrowing against the home’s value means that you most likely won’t be able to leave the home or the money from its sale to your heirs. Still, reverse mortgages can be a great way to access liquid cash, so long as the borrower is aware of the above stipulations.
Private Funding
For those with the resources to do so, private pay is always an option. If the client only needs care for a few hours a week, this may be much more doable than for those who need full-time care. For example, those using home care services 20 hours a week can expect to pay an average of $2,253 a month for personal care assistance and $2,340 a month for home health care, according to Genworth Financial.
However, if the client needs more regular care, the cost can become prohibitive. At the 40 hours a week mark, home care becomes more expensive than assisted living, at $4,506 a month and $4,500 a month, respectively. Around-the-clock home care costs an average of $18,972 a month for personal care assistance and $19,656 for home health care. Thus, if the client needs around-the-clock care, it may make more sense financially to relocate to a residential care home.
If moving is not an option and you’ve exhausted your financial resources, try talking to several different home care providers in your area. The costs listed above are the national average, so costs in your area can vary.
Do Medicare and Medicaid Cover Home Care?
Two of the most well-known government-sponsored programs designed to assist in the healthcare costs of Americans are Medicare and Medicaid. If you or a loved one has Medicare or Medicaid, you’re probably wondering if home care services are covered.
Here’s what you need to know about the home care coverage of each program:
Medicare and Home Care
Medicare doesn’t cover standard home care, including companion care services (light housekeeping, meal preparation, grocery shopping, transportation, etc.) and personal care assistance (activities of daily living such as eating, bathing, and dressing).
Only home health care services prescribed by a doctor and deemed necessary as part of a care plan are covered by Medicare, provided that the individual meets a few requirements.
Who’s Eligible for Medicare Coverage for Home Health Care?
As per Medicare.gov, seniors must have coverage via Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) and meet all of the following requirements to be eligible for Medicare coverage of in-home health care services:
REQUIREMENT:
MORE DETAILS:
You’re certified by a doctor
A doctor or another medical professional certifies that you need occupational therapy, physical therapy, speech-language pathology, or skilled nursing care.
You’re homebound
Being homebound means you’re unable to leave home without great effort or due to illness or injury. A doctor must certify that you’re homebound.
You’re under a plan of care
You’re under a doctor’s plan of care that he reviews regularly.
You’ve had a face-to-face meeting with a doctor or healthcare professional
As part of your certification, a doctor or healthcare professional must have had a documented face-to-face encounter with you, and it must be related to the reason you require home care.
You work with a Medicare-approved agency
The health agency that cares for you is approved by Medicare.
Which Home Health Care Services Does Medicare Cover?
For eligible seniors, Medicare covers a range of home health services provided they are reasonable and essential to treat their illness or injury. Below are the home care services covered by Medicare:
- Skilled nursing care: Medicare covers skilled nursing services if they’re reasonable and provided by a Registered Nurse (RN) or a Licensed Practical Nurse (LPN), and given on a “part-time or intermittent” basis. This means agencies can render these services any number of days each week as long as they’re either fewer than 8 hours daily or 28 hours or less per week.
- Skilled therapy services: Medicare covers therapy services including physical therapy, occupational therapy, and speech-language pathology services. A licensed therapist and therapist assistant must provide these services, and they’re reasonable and necessary to your plan of care.
- Medical social services: Medicare will cover counseling for social and emotional concerns related to your illness or injury, provided you’re also getting the aforementioned skilled services above. Otherwise, Medicare doesn’t cover medical social services on its own.
- Home health aides: Personal care aides such as assistance with ADLs are covered by Medicare if they’re necessary due to illness or injury. However, they must be delivered in tandem with skilled nursing or therapy from a Medicare-certified provider.
- Medical supplies: Supplies covered by Medicare include catheters and wound dressings related to your illness or injury and must be ordered by the doctor as part of your care. Durable equipment such as walkers and wheelchairs may also be covered but only up to 80% of the approved cost.
Medicare standards determine the duration and frequency of these services. If the level of care exceeds the part-time or intermittent guidelines, Medicare won’t cover it.
In addition, you may have personal care coverage with a Medicare Advantage plan from private insurance, provided you can find an agency that accepts it. Before starting any home care plan, ensure that the agency provides you with a breakdown of the charges, which services are covered by Medicare, and how much you’ll pay out of pocket.
What Isn’t Covered by Medicare?
Although Medicare can be a huge relief for patients needing home health care, it doesn’t cover everything. Here are several services that Medicare doesn’t cover:
- Round the clock home care
- Meals delivered to your home
- Household services such as grocery shopping, cleaning, and laundry, if you don’t get skilled nursing or therapy
- Personal care or custodial services such as bathing or dressing, if you don’t get skilled nursing or therapy.
NOTE: If a home care agency wants to include services without Medicare coverage, they’re mandated to issue an Advance Beneficiary Notice of Noncoverage (ABN), also called waiver of liability. This notice is issued if, based on coverage rules, the agency believes Medicare won’t cover the service.
Medicaid and Home Care
Medicaid does pay for in-home care for eligible seniors. States administer their own Medicaid programs, so eligibility requirements and the scope of services covered can vary from state to state.
Which Medicaid Programs Pay for Home Care?
Home care services may be covered under the regular state Medicaid but may also be offered under the Home and Community-Based Services (HCBS) Medicaid waivers or Section 1115 demonstration waivers.
- Regular State Medicaid: Also called original or classic Medicaid, regular state Medicaid provides health coverage and mandatory benefits to millions of Americans – including home health services. Although in-home personal care services (help with dressing, bathing, eating, etc.) are not federally mandated, some states may offer them via regular Medicaid. Original Medicaid is an entitlement benefit which means all qualified individuals will receive benefits and not be placed on a waitlist.
- HCBS Medicaid Waivers: Also known as 1915(c) waivers, HCBS Medicaid waivers enable seniors to self-direct their care and best meet their needs. In many cases, this means a patient requiring a nursing home level of care, may opt to receive in-home health care instead and still have Medicaid coverage. However, unlike Medicaid, waiver programs are not entitlement benefits. This means even if you’re qualified, there’s a possibility you won’t receive the benefit or be placed on a waitlist.
- 1115 Demonstration Waivers: Section 1115 waivers enable states to test new approaches in Medicaid and provide flexibility on how to run their programs. This also allows the waiving of nearly all of the requirements under the state’s Medicaid plan with the goal of testing new approaches.
Who’s Eligible for Medicaid Home Health Care?
Applicants must meet specific requirements to become eligible for Medicaid, hence home care. On top of being a state resident, there are two main eligibility requirements:
- Financial requirements: Although requirements vary by state, the rule of thumb to qualify for Medicaid (and Medicaid waivers) is that the applicant must be a single individual, 65 years of age, and a monthly income of less than $2,523 and $2,000 in countable assets (2022). For regular Medicaid or ABD Medicaid, income limits are even lower at $841/month for single applicants, and $1,261/month for married couples, in approximately half of the states.
- Level of care or functional requirements: For regular Medicaid, the applicant must demonstrate their need for assistance with ADLs such as toiletry, eating, dressing, meal preparation, and laundry. Functional requirements vary by state and program, and applicants must undergo an evaluation to determine the level of care needed.
Requirements are determined by each state separately, so it’s best to contact the Medicare agency in your state for more specific information.
Resource for Medicaid Programs By State
In the table below are direct links to Medicaid programs for each state and their corresponding contact numbers:
STATE
MEDICAID PROGRAM
CONTACT
Alabama
1-334-242-5000
Alaska
800-478-7778
Arizona
Arizona Health Care Cost Containment System (AHCCCS)
1-855-432-7587
Arkansas
Arkansas Medicaid (Under the Arkansas Department of Human Services (DHS))
501-682-8292
California
1-800-541-5555
Colorado
1-800-221-3943
Connecticut
1-800-859-9889
Delaware
1-800-372-2022
Florida
Statewide Medicaid Managed Care
1-877-711-3662
Georgia
(877) 423-4746
Hawaii
1-800-316-8005
Idaho
877-456-1233
Illinois
(800) 843-6154
Indiana
1-800-457-4584
Iowa
1-800-338-8366
Kansas
Kansas Medical Assistance Program (KMAP)
800 766 9012
Kentucky
(800) 372-2973
Louisiana
1-855-229-6848
Maine
1-855-797-4357
Maryland
1-855-642-8572
Massachusetts
(800) 841-2900
Michigan
1-800-642-3195
Minnesota
651-431-2670 or 800-657-3739
Mississippi
800-421-2408
Missouri
855-373-4636
Montana
1-800-362-8312
Nebraska
(855) 632-7633
Nevada
(877) 638-3472
New Hampshire
(603) 271-9700
New Jersey
1-800-701-0710
New Mexico
1-800-283-4465
New York
1-888-692-6116
North Carolina
888-245-0179
North Dakota
North Dakota Medicaid Expansion Program
1-800-755-2604
Ohio
800-324-8680
Oklahoma
800-987-7767
Oregon
800-699-9075
Pennsylvania
1-866-550-4355
Rhode Island
Rhode Island Medical Assistance
1-855-840-4774
South Carolina
(888) 549-0820
South Dakota
605-773-4678
Tennessee
1-800-342-3145
Texas
800-252-8263
Utah
(801) 538-6155 or 1-800-662-9651
Vermont
1-800-250-8427
Virginia
1-833-522-5582
Washington
1-877-501-2233
Washington D.C.
(800) 620-7802
West Virginia
(304) 558-1700
Wisconsin
608-266-1865
Wyoming
1-866-571-0944
Evaluating Home Care Agencies and Providers
Choosing to hire an in-home aide for yourself or a loved one is a good first step, but before accessing care, you’ll need to find the right care provider. You’ll want to be sure that you feel comfortable with the aide, especially if you won’t be present while they’re caring for your loved one.
One of the biggest decisions you’ll have to make is whether to work with a home care agency or an independent provider. Independent providers tend to be less expensive. But after factoring in liability insurance (which agencies should already have and will be built-in to the hourly cost) and taxes, the difference in cost is often negligible. The other advantage of working with an agency is that you’ll likely have more caregivers to choose from. And if one aide doesn’t work out, you can request another. However, if you know that your loved one gets along well with an independent provider and you trust them, going that route may work for you.
Regardless of whether you choose to work with a home care agency or an independent provider, doing some research and taking the time to evaluate different options can save you frustration down the line. Just as you would with a residential care community, do your research and look into several different providers, if possible, before deciding on a caregiver for your loved one.
Some of the top things to consider when choosing a home care provider include:
- Licensure: If you live in a state that requires it, be sure that the provider is licensed to provide the type of care they are offering.
- Dependability: One problem that some clients face with home care providers is that they are unreliable. Read reviews of the provider to see if past clients have had issues with their aide showing up on time. And ask the provider if they have a good back-up plan in place for when an aide cannot make it to their client at the scheduled time.
- Available Services: Make sure you’re clear on what services the provider can and cannot provide. Home health care aides need to have more extensive training and licensure than personal care assistants. So if your loved one needs any health care, be sure you work with a provider with the licensure and experience to do so.
- Cost: Costs can vary between different providers, so check a few in your area if you can and compare. If you’ll be using a form of financial assistance to pay for home care, be sure that the provider accepts the type of assistance you plan to use.
Frequently Asked Questions
How much does in-home care cost?
According to the Genworth Financial Cost of Care Survey, home care costs an average of $4,290 a month, while home health care costs $4,385 a month. These averages are based on a client receiving care 44 hours a week, which comes out to roughly $24 an hour for personal care assistance and $25 an hour for home health care. Note that this is the national average, and costs can vary widely between different states and even different areas within the same state. Even different providers in the same city may charge different prices. So if keeping costs low is your top priority, be sure to compare the costs of several different providers to find the best value.
Is financial assistance available for home care?
Yes, financial assistance is available for home care. Seniors who meet the eligibility criteria may be able to receive assistance from Medicaid or a Medicaid waiver program for home health care. Though the rules surrounding what services are covered and at what amount varies between different states. Medicare does cover home health care for qualifying seniors. But personal care assistance is only covered when services are received in tandem with home health care.
To learn more about the available financial assistance options for in-home care, visit the “How Can I Pay for Home Care?” section.
Is in-home care less expensive than assisted living?
When broken down hour-by-hour, home care is actually more expensive than assisted living. The total monthly cost will depend on the client’s level of need and how often they utilize home care services. According to Genworth Financial, home care costs an average of approximately $24 an hour. So, if the client only needs home care 20 hours a week, they will spend an average of $1,950 a month. This is far less expensive than assisted living, which costs an average of $4,051 a month.
But, residents of assisted living communities have access to 24-hour assistance. If a home care client were to utilize their services 24 hours a day, the cost soars to $16,380 a month. For someone who needs the safety and comfort of having assistance available around-the-clock, assisted living will likely be the more economical choice.
Are home care and home health care the same thing?
No, home care and home health care are not the same thing. Home care refers to personal care assistance, which includes help with the activities of daily living, transportation, and companion care. Home health care involves medical care including first-aid, medication administration, and therapy services.
Home health care providers must undergo specialized training and obtain certification to perform medical services, while home care providers do not. Because of the increased scope of care, home health care is typically more expensive than home care.
Is in-home care covered by insurance?
Yes, in some cases in-home care is covered by insurance. Qualifying individuals may be able to use Medicaid and Medicare to cover some or all of the costs of their in-home care or home health care. Other seniors may have private, long-term care insurance policies that cover in-home care. Though this varies depending on the policy. Long-term care, including home care, is typically not covered by standard health insurance.
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