Sources of Financial Aid for Home Health Care
Medicare is a national health insurance program for people over the age of 65, people with disabilities, and people with end-stage kidney disease.
-65 years of Age
-Disabled people who have received Social security Benefits for at least 24 months
-End Stage Kidney Disease who are receiving regular dialysis or have reveived a kidney transplant because of kidney failure
Medicare Part A- covers skilled nursing facility benefits, hospital benefits, hospice benefits, and home health benefits.
-Must be confined to the home
-Be under care of Physician who provides a care plan
-Needs one of the following: intermittent skilled nursing care, physical therapy, speech therapy, or continuing occupational therapy
-Must be administered by a Medicare-certified home health agency (CHHA)
Medicaid is a state and federal partnership providing health and long-term care services for low-income individuals. Many Medicaid programs have received a federal waiver from the Health Care Financing Administration to provide personal assistance services. Many of the state Medicaid programs have a waiting list for those seeking benefits, but are often the only programs available so it is wise to get on this list.
Individual State Funded Personal Assistance Programs
A small number of states have created state-funded programs to provide personal assistance services for its residents. The problem is most have long waiting lists for its services. You can contact your state Department of Vocational Rehabilitation, State Human Services Department, or Center for Independent Living to receive more information regarding these state-funded programs.
Long term Care Insurance is becoming increasingly popular. It may be prudent to ask if your company has a group LTC insurance program. Some private insurance policies will pay for at home care. Some Health Maintenance Organizations (HMOs) may have special needs consumer divisions. Contact your HOM’s ombudsman.
Department of Veterans Affairs
If you are a veteran you may be able to get financial assistance through your VA.
Vocational rehabilitation programs may also be able to set you up with assistance.