SPRINGHILL GROUP: Cost and Coverage of Home Care

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SPRINGHILL GROUP Cost and Coverage of Home Care

• http//www.zimbio.com/SpringhillCareGroup/articl
  es/Vn8r7yKDtzV/SPRINGHILLGROUPCostCoverageHome
  Care

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Nursing home is a home combined with skilled
nursing care, rehabilitative care, medical
services, personal care, and recreation in a
supervised and environment. Letting your love
ones stay in the nursing home may be hardest
decision but choosing the right home will be next
hardest. Entering the nursing home doesnt mean
that the family involvement ends, instead it is
their responsibility to make sure that the home
care provides good care.
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• Remember the following when choosing the best
  home care
• Have a discussion with the loved one who will be
  living there. This will aid in adjusting to the
  major life change about to occur.
• Work together with other family members and
  inquire for help in finding the best nursing
  home.
• Be in touch with doctors, nurses, or any other
  health professionals or social workers who care
  for your loved one.
• Chat with some nursing home employees, especially
  assistants since they give most of the care.
• Solicit a pastor or rabbi for guidance.
• Contact the long-term care ombudsman.

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People often think that home care is expensive
and yes nursing home care can be expensive. It
can differ widely depending on where you live but
often the average cost is more than 50,000 a
year and rising. Sadly, employee health insurance
does not pay for nursing home care. A great
number of nursing home residents, about a third
of its population, pay all of their nursing home
expenses from their own funds. Long stay in a
home care can consume all your or your loved
ones savings fast. There are many who exhaust
their finances after just six months. And about
a five percent of them buys long-term care
insurance, which covers the cost of a nursing
home or other extended care.
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Medicare, the federal health insurance program
for older persons and some younger ones with
disabilities, pays for short-term nursing home
stays but the rest, about two-thirds, are from
the Medicaid. The greatest share of the
residents to pay for the care is money from
Medicaid. It is a federal and state health
insurance program for people with low incomes.
They pick up the cost of nursing home care once
people have used almost all of their
savingsspouses are allowed to keep some assets
including income, savings, and their home.
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But the thing is Medicaid will only pay for
nursing home care that is provided at a facility
certified by the government. Like many else, it
is hard to apply for Medicaid so if you think a
loved one may need care years from now, you
should gather information as soon as possible.
And also, bear in mind that eligibility for
Medicaid varies by state. Knowing the
requirements early ensures the care comes quickly
when you or your loved one need it.
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Age expectancy is getting higher and home care is
getting more costly, so better deal with issues
early to avoid further complications. MORE
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