by Meredith Troy
9. October 2009 21:38
One of the most common concerns voiced by our clients about homecare services is the cost. Medical care can be expensive and families are concerned about how they will handle the expenses. There are many agencies helping people pay for homecare services.
Block Grants: States receive federal block grants every year earmarked for social services, but each state can decide how to spend that money. Many use the money to create programs to help people pay for homecare services. You can contact your state health department for more information plus Interim Healthcare is familiar with most state social services programs.
Veteran's Administration: Veterans who have received service-related injuries or illnesses receive care for all associated medical care. If the veteran is at least 50% disabled from the incident, this covering includes homecare services.
Self Pay: In the event these or other sources don't cover all incurred expenses, we can work out arrangements with our client or the client's family regarding the remaining costs.
Medicaid: This program is run by both federal and state authorities and offers payment for medical services received by seniors, people with disabilities or children. Each state has their own rules for Medicaid eligibility based on federal guidelines and those rules include a demonstration of financial need. Not all states call their program "Medicaid", for example California's Medi-Cal and Arizona's AHCCCS.
Medicare: Most people who need homecare services are either over 65 or disabled so are eligible for Medicare. Medicare covers homecare for its members as long as they are homebound and require services such as physical therapy or nursing. Medicare eligibility is not based on financial need so members don't have to worry about having assets or income that could make them ineligible.
Liability Settlements: In the event the patient needs homecare services due to an illness or injury that is ruled to be the fault of a third party, homecare services are often specified as part of any liability agreement.
Private Insurance: Almost all group or individual health plans have some coverage for homecare services, although the eligibility and benefits vary widely from plan to plan. Consult your insurance handbook to see what the benefits for homecare services are. If you have trouble understanding or finding the information, we are familiar with the plans of most private insurers.
Worker's Compensation: Not everyone who needs homecare services is retired or permanently disabled. When a worker is injured on the job, Worker's Compensation pays for all related medical services. This includes not only initial treatment but follow-up care such as therapeutic care received in the home.
These are the most common ways our clients pay for Interim Healthcare's homecare services but there are other options. Your state or city may have other programs available to help with your costs. With our long experience providing care all over the country, we can help you find sources of funding you might not otherwise know about.
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