Are you struggling to pay for home care? You’re not alone. More than 50% of Americans rely on their families to provide them with personal care services. But what if you don’t have family members who can help? That’s where we come in! We’ll show you how to pay for home care without breaking the bank.
Do you need to hire someone to take care of you at home? It might seem expensive, but there are many options available that will allow you to stay independent while still getting the care you need.
Decide Which Type of Care Is Best for You
You must determine if you can get services at home depending on the level of care you need. Home Care provides a variety of non-medical services, such as personal care, companionship, and homemaker assistance. Personal care supports you with tasks such as bathing, dressing, grooming, feeding, toileting, and medication management. Companionship and homemaker services include tasks such as companionship for you or your loved one, housekeeping, errands, transportation, shopping, cooking, and laundry. Ask yourself what kind of help you need most often, and you will know which type of service is best for you. If you only need help with non-medical services, then home care similar to what we provide at VisitingHelpers will be the most affordable option compared to assisted living and nursing facilities.
If you qualify for Medicaid, you can receive financial assistance to cover the cost of hiring a caregiver. However, you must first determine whether you qualify for Medicaid. Visit www.medicaid.gov/apply to learn more.
- Veterans Programs
There are several forms of assistance from the Department of Veterans Affairs (VA) that help veterans afford home care in Southfield, Michigan. This may be direct financial assistance or care services that can reduce a veteran’s overall need. Eligibility requirements and benefit amounts are available at the link below.
- Long-term Insurance
Long-term insurance is an affordable option for people who want to protect themselves against unexpected medical expenses. It pays benefits when you need them, even if you aren’t sick. If you want to be sure you get the best possible care, consider obtaining long-term insurance. Long-term insurance covers services such as nursing homes, assisted living facilities, hospice care, home care services, and adult daycare centers.
- Michigan Non-Medicaid Programs
Michigan home care assistance programs allow low-income seniors who are not eligible for Medicaid. These programs are intended to prevent or delay placement in nursing homes. To find out more about Michigan’s non-Medicaid programs, visit
- Self-Payment Options
Outside of the above list, there are flexible options to pay for home care out of pocket. Private pay, Reverse Mortgages & HELOCs, Life Insurance Policy Conversions, and Home Care Loans are all ways you can get the quality care you deserve.
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