It’s not easy for financially struggling families to afford certain services. In home care is one of them and while there are millions of people across the country who may need support at home, either due to age, injuries, or disabilities, some can’t even consider professional services because of the cost.
While those on limited incomes and considered living in poverty may be eligible to receive Medicaid support for home health care, that’s not the case for everyone. That leaves those caught in the middle (between being eligible for Medicaid reimbursements and not having enough to cover these expenses on their own) with seemingly few options.
Consumer Reports recently publish a blog that could potentially point some individuals and their families to various resources. Not all of these services are available in all regions across the country. For example, according to a Consumer Reports blog, Help With Home-Care Bills, written by Tobie Stanger:
“Investigate PACE. Programs of All-Inclusive Care for the Elderly is designed to keep Medicaid- and Medicare-eligible people out of nursing facilities. Participants can get in-home care, including help with activities of daily living, such as meals, dental and medical care, prescriptions, and chaperoned transportation, among other benefits. It’s available in 32 states, though not in every community. (In some states, PACE is called LIFE, for Living Independence for the Elderly.) Medicaid-eligible patients get the service free. Others may be charged a monthly premium, though far less than they would pay a private service.”
This program is only available to men and women who are eligible to receive Medicare and Medicaid Services based on their age and other factors. It’s also noted that it’s available only in 32 states. Some other states do provide programs for men and women who don’t qualify for Medicaid reimbursements for home care. These states may offer some assistance with long-term care.
Consumer Affairs also notes that certain veterans may be eligible to receive financial assistance for home care. The most notable pensions are Aid and Attendance and Housebound benefits. For qualifying veterans, their dependents, and even widows of qualifying veterans, these funds are intended to be used specifically for documentable home care needs. Income and assets must be limited and veterans need to have served at least one day of their active duty service during a time of official combat, as defined by Congress.
Elderly men and women also may have access to meal programs, depending on where they live, and are recommended to enlist the help of friends and family, however, inexperience could be problematic in some cases, though that wasn’t directly noted in the Consumer Reports blog.
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