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Q & A's About Interim Health Care

Who Provides Home Health Care?When family or friends can’t meet all of a person’s care needs, there are basically two types of people who provide home care. There are paid healthcare professionals, who are state licensed, and work per orders of your doctor. These include nurses, physical therapists, or social workers. The second type includes aides, homemakers and companions who are there to help with daily activities so you can stay in your home, independently for as long as possible.

How Much Do Home Health Care Services Cost?

Every person is different, especially when it comes to health and what type of home care is needed. The exact cost of care needs to be based on listening to you, your family, your doctor, and observing your individual situation. We recommend an initial in-home care evaluation for each individual client. Often, these evaluations are done by the local Interim HealthCare office at no charge. Based on the in-home evaluation, a service plan is then developed to best meet the needs of the individual. It can include a little bit of assistance up to around-the-clock assistance. Charges are fairly based on quality care and individual needs.
 

How Can I Get Home Home Health Care Services?

There are two types of home care services that you can find in most areas of the country;

The first type provides medical care at home and your doctor gives the home care company a plan and instructions for your care. Your treatment is provided by health care professionals such as nurses, physical therapists, speech therapists and social workers, as well as by home health aides who can help with bathing or dressing or using the bathroom while you are receiving home nursing or therapy services. This type of care is often paid for by Medicare, Medicaid or many commercial insurance companies.

The second type helps you with everyday activities that may be harder to do by yourself when you have an illness that may be getting worse such as heart disease or diabetes, and you do not always feel safe to do things like bathing or dressing or shopping by yourself and you want to stay at home as long as possible. These services are often called private duty or personal care and support services. These may be paid for by a long term insurance policy, Medicaid, or be paid for directly by you or your family.

 

Who Pays for Home Health Care?

Home care is a valuable resource for people who would rather recover or age at home. Whether the home care is provided by family members, loved ones or an aide or nursing professional from Interim HealthCare, proper financial planning is required in order to provide optimum care. Hiring a professional caregiver to provide the appropriate rehabilitative or elderly care for your loved one is a smart decision. According to the National Association for Home Care & Hospice (NAHC), people who require home care can primarily choose between three options to finance the care.

Self-Pay:

Depending on the home care services provided, insurance and the financial capabilities of the patient, you may choose to pay for home care out of pocket from your own personal savings or that of your loved one. The fee is usually set or negotiated by the home care service provider.

Public Third-Party Payers:

In the case of senior citizens who require home care, there are several options available. Most Americans over the age of 65 are eligible for the federal Medicare program. If the home care agency is Medicare-certified, Medicare funds may be used to pay for certain services provided by nurses, therapists or other medical professionals.

Medicare requires that the following conditions be met before reimbursing for home health services:
  • The individual to whom the services are provided is an eligible Medicare beneficiary
  • A physician certifies the need for services and establishes a plan of care
  • The beneficiary must meet Medicare's definition of "homebound"
  • The care must be provided in the patient's place of residence
  • The individual needs skilled nursing on an intermittent basis or physical therapy or speech therapy or has a continued need for occupational therapy once one of the other skilled disciplines has established a plan of care
  • The services are provided by a Medicare-certified home health agency
When the above conditions are met, physicians may also order home health aide services or medical social worker services.

Private Third-Party Payers:

Private health insurance plans typically cover some home care services for people who have acute needs, and those with long-term care included may also pay for senior care at home. Commercial insurers such as Blue Cross and Blue Shield generally pay for professional in-home care with a cost-sharing provision, as well as hospice services, home nursing and other needs. In addition, if the person who requires care has long-term insurance that includes in-home care coverage, the benefits can sometimes be used to pay the caregiver.

*Seniors can also use resources provided by the Older Americans Act (OAA), which stated in 1965 that federal funds shall be used to enable older individuals to remain independent in their communities. This funding covers certain costs related to transportation, chores and other tasks for people over the age of 60 who have the greatest social need.

*In addition, Seniors may be eligible for services from the Veterans Administration if they are at least 50 percent disabled because of a service-related condition. Others who need care may turn to funds provided by Medicaid, a healthcare program for low-income individuals, or social services block grant programs provided to states each year from the federal government.

Call us today at (615)-915-2753 for assistance with your questions! We are happy to help!

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I want to express my appreciation and gratitude for your help with my Mom. She has grown very close to a couple of your care givers. Everyone is prompt and considerate of her needs. It’s comforting to know I have people who I can count on.
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