What Does Private Pay Home Care Cost In PA?
According to the 2020 U.S. Census, older Americans are a rapidly growing population group. There are about 73 million people in the generation known as “baby boomers,” and they will all be over age 65 by 2030. About 70% of those individuals have needed or will need some long-term care. Additionally, the preceding generation of individuals currently over 80 years old are also still a significant population sector.
The elder care industry is growing in response to demands for services. There are many options for care depending on a person’s level of independence, medical circumstances, financial resources, and social support. As an individual’s need for in-home care becomes evident, their families want to know what services are available and how much that care will cost.
What is Private Pay Home Care?
The first step in assessing home care costs is to review the individual’s insurance coverage. Whether they have Medicare, Medicaid, or a private insurance plan, it is important to learn what kind of care can be obtained without out-of-pocket costs. Review this coverage again anytime your loved one’s medical providers recommend a change to the plan of care. Care coverage is often associated with specific diagnoses, which means that some home care could be covered in new medical circumstances.
Any home care not covered under medical insurance will be private-pay home care. This is care that allows a person to manage their activities of daily living and enjoy a comfortable quality of life. Home care services vary in both type and cost. For most elderly individuals, the level of home care received will be based on budget and the availability of family caregivers. Typically, home care providers evaluate the entire scope of the individual’s needs and then develop a plan that fits within the individual or family’s budget. Families still handle some of the caregiving, but the paid services give them much needed time to go about their daily lives with peace of mind that their loved one is safe.
What Private Pay Home Care Options Are Available?
While each home care agency has its own list of services, the following types of care are common:
Companion Care – this type of care is mostly social in nature. Companions spend time with the individual, assist with errands, help with light housekeeping and cooking, and provide emotional support. Companion care is a great option for independent individuals who do not have family living nearby.
Personal Care – this type of care involves hands-on assistance with activities of daily living. Home care aides help individuals move about the home and give direct care with things like bathing, toileting, dressing, grooming, and medication management. Personal care, or home care, is available for individuals with physical or cognitive limitations.
Memory Care – this type of care is specialized for individuals with memory or cognitive impairment. Though someone with a dementia related disease like Alzheimer’s may not be physically limited, they do need consistent monitoring to remain safe. Memory care services ensure safety, well-being, and quality of life.
Long-term Care – this type of care takes place over an extended period. Caregivers provide ongoing services for individuals with chronic illness or disease, those who are disabled, or those dealing with the effects of advanced aging. Long-term care provides assistance with activities of daily living and companionship so that individuals can enjoy well-being and a comfortable quality of life.
The cost of each type of care depends on several factors, and there is often some overlap between the services needed. Linda’s Care provides a customized plan of care for each individual that takes budget, schedule, and level of support into consideration.
Review Your Private Pay Home Care Services in Philadelphia
Linda’s Care performs a thorough intake evaluation with each individual and their family to determine the type of care desired in light of all the contributing factors. We care for each individual with empathy and compassion so that their quality of life is improved through our services, and we work closely with families to ensure continuous well-being. If your elderly loved one would benefit from home care services, contact us to learn how Linda’s Care partners with families to deliver customized care. Linda’s Care provides affordable and high-quality home care services in Philadelphia, Montgomery County, Bucks County, Chester County, and Delaware County.