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Expert Elder Care Guidance
Expert Elder Care Guidance
If home care seems too expensive, here’s a place to turn: There are hundreds of state and federal programs available to families providing home care services for older adults.
We’ve identified four critical government programs that may assist families who are figuring out the financing for senior in home care: the Family Caregiver Support Program, Medicare, Medicaid Waiver Programs and the Veterans Administration. And we’ll show you how to use the BenefitsCheckUp program offered by the National Council on Aging, which can help you find many more public and private programs.
This national program, funded by the Administration on Aging (AOA), is offered in every state through your local Area Agency on Aging. If you are caring for someone in your home who is 60 years of age and older and who has a moderate income, you may qualify. Many programs pay $200 a month for families to spend on services and supplies for senior in home care that can help them keep an older adult at home. Some programs also offer up to $2,000 in home modifications.
This federal program covers a range of medical and healthcare services for people 65 years and older and those receiving Social Security Disability. At the Medicare website, you can review the annual "Medicare & You" handbook, which describes all benefits, and can compare nursing homes, hospitals, home health care agencies, Medigap policies, Part D prescription plans and durable medical equipment companies.
States throughout the country receive matched funds from the federal government for their Medicaid (welfare) programs benefiting lower income individuals. Some states have received waivers from the federal Department of Health and Human Services to allow them to use some of their long-term care Medicaid dollars to fund programs that enable people to stay at home who would otherwise need and qualify for nursing home care. Services like home care, assistance with daily living tasks, nursing care, care management and supplies may be covered. Every state is different, so contact your local Area Agency to find out if there any programs that address your situation.
Any veteran who wants to receive VA health care services must enroll to determine eligibility category and priority group. If you qualify, you can receive primary care from outpatient clinics, community-based care, some nursing home care, diagnostic and treatment services, adult day services and medical in-patient care. If you don't live near a VA Medical Center, the VA may subcontract these services to another provider.
This screening service is free from the National Council on Aging. Fill out forms online to learn if you qualify for hundreds of state, federal and private programs. You can also find out if you qualify for Extra Help for Medicare Part D and the Supplemental Nutrition Assistance Program (SNAP - the new name for the federal Food Stamp program), as well as for help with healthcare, home care, meals, utility bills and more.
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