Navigating Elder Care In Memorial TX: Learn The Difference Between Medicare, Medicaid, and Private Pay Options
Understanding where to turn for elder care services in Memorial TX can be overwhelming, but understanding HOW elder care services are paid for, is even more complicated.
Here are some of the ways that elder care is paid for.
• Seniors age 65 and older qualify for Medicare. Without getting too technical, Medicare only pays for skilled care.
• Skilled care means that the care must be ordered by a physician and provided by a licensed professional like a Registered Nurse, Licensed Practical Nurse, Physical Therapist, Occupational Therapist, etc.
• The person receiving home health care under Medicare must be “homebound” (meaning they aren’t leaving the house to go to the grocery).
• The care will not be 24/7 care, and will probably only result in short visits periodically throughout the week or month.
Medicaid: (Medi-Cal in California)
You may be eligible for benefits through Medicaid. Medicaid programs vary by state, so you will need to check with your state Medicaid office for more information.
• Eligibility: People with disabilities are eligible in every state. In some states, people with disabilities qualify automatically if they get Supplemental Security Income (SSI) benefits. In other states you may qualify depending on your income and resources (financial assets).
• “Buy-Ins”: Some states also have “buy-in” programs that allow people with disabilities with incomes above regular Medicaid limits to enroll in the Medicaid program. Children with disabilities can qualify for Medicaid either under these disability-related rules, or based on family income.
• Expansion in 2014. Starting in 2014, the Affordable Care Act will expand the Medicaid program to cover people under age 65, including people with disabilities, with income of about $15,000 for a single individual (higher incomes for couples and families with children).
• Help for disabled people: This expansion helps low-income adults who have disabilities but don’t meet the disability requirements of the SSI program. The expansion also helps those whose income is above their state’s current eligibility levels.
To learn more about your state Medicaid program and other options available to you, use the insurance and coverage finder or visit Medicaid.gov.
• Paying for care through private funds, including checking, savings, investments.
• Using Long-Term Care Insurance
• Using VA Aid and Attendance Pension Benefit
In order to know how your family might pay for elder care, talk to us for guidance and information. Contact At Your Side Home Care at 832-271-1600.
Our Certified Nurse Aides, 24-Hour Live-in Assistants and Home Health Aides are available 24 hours a day, 365 days a year. We also provide the security and confidence of 24-hour Telephone Assistance, so fast, reliable help is always available when it's needed. To learn more about our homecare services see our homecare services page.
Different people need different levels of homecare. To meet the requirements of our clients, At Your Side Homecare maintains consistent staffing levels of caring professionals. Homecare service is available for as little as a few hours a week, or as many as 24 hours a day, seven days a week
Latest posts by Donna Wrabel, LMSW (see all)
- Are Your Burning Out Providing Elder Care to Your Dad? - December 7, 2018
- Could Your Attitude Impact Your Parent’s Ability to Adapt to a New Caregiver? - November 30, 2018
- Depression and Caregiver Stress: How to Minimize the Impact When an Aging Senior Is Also Depressed - November 23, 2018