Affordable Solutions for Home Care Needs
The best home care professionalsare referred by Senior Nannies. Let us help with the payment options for your home health care.
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 Service Advisors 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 pre-screened, reliable caregiver personally matched for your loved one and to manage the scheduling and delivery of care (including responsibility for finding backup care), we provide “The Family Room” so that you can manage scheduling, communication and payments. Our back office can also help and assist you.
- • 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
Our back office support saves our clients time and can relieve you of ongoing responsibilities. The efficiencies achieved and a keen attention to detail on billing can also reduce the overall costs of care. This level of support is an important differentiator to consider when working with Senior Nannies.
Financing Options for In-Home Care
There are several options for covering the costs of medical and/or non-medical care home care provided by caregivers referred by 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.
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Payment Source
Veterans Benefits
YesPersonal Home CareSkilled Home Health CareYes -
Long-Term Care Insurance
YesYes -
Private Pay
YesYes -
Medicare, Private Health Insurance
NoYes
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)
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Surviving Spouse$1,209New Rates
Single Veteran$1,881Married Veteran(spouse needs care)$2,230Married Veteran(with care needs)$2,958
As a Veterans Home Care Partner, Senior Nannies can assist with the complicated VA Aid & Attendance application process, and in some instances we can refer care providers 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 referring care providers 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.
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.
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.