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Affordable Solutions for Home Care Needs

Senior Nannies will work with you and your parent, spouse or other loved one to create an excellent and affordable home care plan that meets his or her needs. Our Care Coordinators can also help you navigate the options for covering the costs of that in-home care.

The Senior Nannies Difference: Ongoing “Back Office” Support

The added value of working with Senior Nannies when arranging home care for a loved one includes the significant administrative support we provide. In addition to helping you to engage a prescreened, reliable caregiver personally matched for your loved one and to manage the scheduling and delivery of care (including responsibility for finding backup care), we:

  • Assist with identifying options available to your parent, spouse or other loved one to help cover the costs of in-home care
  • Aid with understanding insurance eligibility, benefits and coverage terms
  • Help eligible families apply for the Veterans Pension Aid & Attendance benefit (which many veterans and their families aren’t aware of or don’t realize they qualify for)
  • Provide detailed billing records double verified by our compliance and finance teams against work records to ensure transparent, accurate billing

“Back office” support saves our clients time and can relieve you of ongoing responsibilities and worries entailed in managing care for a loved one. The efficiencies achieved and strict oversight on billing can also reduce the overall costs of care. This level of support is an important differentiator to consider when weighing the pros and cons of working with Senior Nannies versus hiring an independent contractor.

Hourly, Daily or Overnight Billing Options

Personal home care is billed at an hourly rate for intermittent visits of a minimum of two hours. This arrangement works especially well for clients who remain independent in most of their daily activities. In live-in care situations, a daily rate applies. When around-the-clock assistance is required, a daily rate applies. We also offer overnight rates for situations in which a personal caregiver is needed to ensure the safety and security of an individual who may get up frequently during the night or wander because of dementia or Alzheimer’s disease. In cases when hands-on care and oversight must be delivered or available at a moment’s notice around the clock, 2 shifts of 12 hours each can be arranged.

Rates vary depending on several factors—for example, whether the in-home services required are skilled nursing care or non-medical custodial care, the types of services required, and the frequency with which care is needed.

Financing Options for In-Home Care

There are several options for covering the costs of medical and/or non-medical care home through Senior Nannies. We summarize the main ones below and encourage you to call Senior Nannies at 1-800-748-2129 to speak with a Senior Care Specialist who can give you more guidance on the financial aspects of arranging home care and explain how we can help.

  • Payment Source

    Veterans Benefits

    YesPersonal Home Care
    Skilled Home Health CareYes
  • Long-Term Care Insurance

  • Private Pay

  • Medicare, Private Health Insurance


Veterans Benefits

Veterans and their spouses may be eligible for a wide range of Veterans Affairs (VA) benefits, including home health care, non-medical personal home care, and senior housing. In order to qualify, three main criteria must be met:

  • Must be a veteran or surviving spouse of a veteran who served at least 90 days of active duty with at least 1 day during a wartime and was honorably discharged
  • Must show a need for assistance in the home due to an illness or other condition that impedes your lifestyle
  • Must demonstrate a financial need (the inability to afford the care without the VA benefit)
  • Surviving Spouse$1,149
    Single Veteran$1,788
    Married Veteran(spouse needs care)$1,404
    Married Veteran(with care needs)$2,120
Actual benefit amount determined by VA based on eligibility. Based on 2015 figures.

As a Veterans Home Care Partner, Senior Nannies can assist with the complicated VA Aid & Attendance application process, and in some instances we can provide care before the benefit is approved. Senior Nannies has helped hundreds of veterans and their families establish eligibility for home care-related VA benefits, including the Aid & Attendance benefit. We may be able to start care in as little as a week after the application has been submitted, and typically have the benefit initiated in 30 days or less. This compares very favorably with the reported 6 to 9 months it can take for the benefit to be approved.

If you believe that VA home care benefits may apply to your situation, contact us to fill out and submit a VetAssist form. We’ll take care of the rest.

Contact Us for Help with Home Care Payment Options. Call 1(800)748-2129.

To learn more about covering the costs of in-home care for your spouse, parent or other loved one, click here or call 1-800-748-2129.

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Long-Term Care Insurance
Long-term care insurance helps pay for costs not covered by private medical insurance, including personal, or custodial, home care services. The insurance must be purchased before the care becomes necessary and most companies will not insure individuals with pre-existing conditions. There are many different plans with varying eligibility criteria, deductibles and reimbursement rates.

If your loved one has long-term care insurance, Senior Nannies will assist you in understanding the terms and in organizing the necessary paperwork to submit to the insurance company. And we will work with you to ensure that the care plan created especially for your loved one meets the qualifications for reimbursement under the plan.

Private Pay Private pay is the most common option for covering the costs of long-term home care, at least initially. Savings, pensions and retirement income are common sources of funds for long-term care. Arrangements like life insurance policy conversions and reverse mortgages can also generate a steady source of income to be used toward long-term care.

Medicare & Private
Health Insurance
Medicare and private health insurance typically provide coverage for qualifying short-term, medically necessary in-home skilled nursing care services only. In some cases, short-term personal care services prescribed by a doctor in conjunction with medically necessary home health care may be covered. Long-term non-medical personal care is not covered by Medicare and private health insurance.

Medicaid The State of Florida provides Medicaid funding for long-term care for seniors without the means to pay for long-term personal care. Most assisted living facilities accept the Medicaid diversion waiver (also called the Long-Term Managed Care Program), and for individuals with limited means, that is often the best option for comprehensive long-term person home care. Senior Nannies can help you and your loved one with qualifying for the waiver and advising you on the care options.