Paying for Senior Home Care
How to Pay for In-Home Adult Care King of Prussia, Springfield PA and Surrounding Areas
In this article, we review some of the more common funding options for senior home care and long-term care services. At home senior care can range from a few hours of personal care or companionship from an in-home care provider, to full-time 24/7 assisted living or Live in-home care, to skilled nursing care in a nursing home.* Have you been considering placing your loved at Rose Tree Place, Wallingford Nursing Home, a nursing home in Broomall or another center? If so, find out how total home care from Comfort Keepers, the one on one provider at home can be often a better option.
Many who have not done their research mistakenly believe that Medicare is the answer for long-term care. In reality, it covers only a very narrow range of costs. It is important that you understand ahead of time the benefits and limits of Medicare, so you adequately prepare for senior care needs.
Although rates vary, www.LongTermCare.gov estimates nursing home care costs at over $6,000 per month.
In-home care is generally far less expensive, but costs vary greatly, depending on where you live, the level of care and hours of service required each week.
How will you pay for long-term care? Options include Medicare, Medicaid (if you qualify - usually through Area Agency on Aging), long-term care insurance, Veterans Administration benefits and out of pocket (from your savings and assets). Below is the contact information for your local agencies. If you need further assistance, please call our office at (610) 543-6300.
*24/7 assisted care refers to hourly care whereby two caregivers work 12 hour shifts or 3 caregivers work 8 hour shifts in 24 hour span. Live-In home care refers to caregiver living and sleeping minimum 8 hours per night in home. Please call with any questions regarding the needs of your loved one.
Area Offices Agency Services for Aging:
Montgomery County: MCAAS or Montgomery County Adult and Aging Services: 610-278-3601, http://mcaas.montcopa.org/mcaas/site/default.asp
Chester County: Chesco 610-344-6000, http://www.chesco.org/aging/site/default.asp
Philadelphia County: PCA or Philadelphia Corporation of Aging, 215-765-9040, http://www.pcacares.org/
Veterans Administration: Medical Centers, Hospital, Outpatient Clinics, Local County Offices
VA Medical Centers: Veterans who reside in Montgomery and Delaware County, report using the following VA Medical Centers depending on needs.
Coatesville Medical Center: 610-292-6172, http://www.coatesville.va.gov/
Philadelphia Medical Center: 1-215-823-5800, http://www.philadelphia.va.gov/
Wilmington DE Medical Center: 1-302-994-2511. http://www.wilmington.va.gov/
Delaware County Outpatient Veterans Services and General Information Offices:
VA Outpatient Clinic located at Springfield Hospital - Springfield Outpatient VA Services: http://www.coatesville.va.gov/
Delaware County Veterans Affairs Office in Media, PA for information on Veterans Benefits and Free Transportation from Springfield location to Coatesville Medical Center and return for Veterans. http://www.co.delaware.pa.us/vet_affairs/news.html
Montgomery County Veterans Affairs Office in Norristown, PA - http://mcva.montcopa.org/mcva/Resources/serviceinfo.aspωOrganization=117&ServiceID=287&url
VA Outpatient Clinic - Spring City, PA - http://www.coatesville.va.gov/locations/SpringCity.asp
Chester County Veterans Affairs Office in West Chester, PA- http://www.chesco.org/chesco/cwp/view.aspωa=1413&Q=573555
Philadelphia Veterans Affairs Office - http://www.vba.va.gov/ro/philly/index.htm
Philadelphia VA Parkinson's Clinic - http://www.philadelphia.va.gov/services/Parkinson_s_Disease_Research_Education_and_Clinical_Center.asp
Non-profit Organizations that provide support for those who qualify:
ALS of Greater Philadelphia - http://www.alsphiladelphia.org/patient-services
MS Society of Delaware Valley - http://www.nationalmssociety.org/Chapters/PAE/Find-Resources-and-Support?orderby=3&order=asc&categoryid=184&allcatids=184
Comfort Keepers National and Local Discounts Offered
Is your company included in the national discount programs Comfort Keepers offers to large and small businesses? To find out, ask your Human Resources or Benefits Department. If your company is interested in learning more about the discount program offered please email us by clicking HERE.
For employees of Sodexo, Lowes and existing discount program members, please contact our office for information on in-home senior care services for your loved one and to find out the discounted rate offered from our published personal care and home support rates. To received the discounted rate, you must be a current employee of an existing discount program member. To find out if your company or organization is a member of our discount program please call our King of Prussia or Springfield office today!