Seniors are grateful to have caregivers for companionship and assistance to help with daily living. Friendships blossom and safety increases for older adults aging in place at home and having a caregiver around to assist in chores.
In some cases, professional caregivers see elderly clients struggle paying for home care services. It's disheartening to experience older adults with big needs but have very little in the way of money. There are few resources available to the elderly that help them pay for caregiving at home.
One thing that a family member can do is to search the agencies in the local community to locate financial assistance to help pay for home care. If the older adult has trouble paying for, seek from Medicaid. Unlike Medicare, Medicaid home care coverages are not limited to medical care and the coverage doesn't run out when a an older person's medical condition stabilizes.
They're called Medicaid waiver programs and the purpose for them is to keep people out of nursing homes for as long as possible.
Qualifying for the Home and Community Based Services waiver program depends on two things.
1. The need for care. The applicant must have a need for medical care and/or assistance with activities of daily living at home.
2. The applicant's need for care must is extensive and without services, the individual would have to move into a nursing home.
Find your state's Information on Medicaid.
The Four Types of Waivers
Waivers are state vehicles to test new or existing ways to deliver and pay for health care services in Medicaid and the Children's Health Insurance Program (CHIP).
1. Section 1115 Research & Demonstration Projects: States can apply for program flexibility to test new or existing approaches to financing and delivering Medicaid and CHIP.
2. Section 1915(b) Managed Care Waivers: States can apply for waivers to provide services through managed care delivery systems or otherwise limit people's choice of providers.
3. Section 1915(c) Home and Community-Based Services Waivers: States can apply for waivers to provide long-term care services in home and community settings rather than institutional settings.
4. Concurrent Section 1915(b) and 1915(c) Waivers: States can apply to two types of waivers to provide a continuum of services to the elderly and people with disabilities, as long as all Federal requirements for both programs are met.
Read more on the Medicaid Waiver Programs.
The waiver programs allows for the coverage of Long Term Care Services over a continuum of settings. These offer Institutional Care and Home and Community Based Services and Supports.
The Centers for Medicare and Medicaid Services works in partnership with all states, consumers, the health care and providers to create a person-centered long-term support system. For people living with disabilities and chronic conditions, it allows choice, control and access to many quality services that help maximize the outcomes.
Goals on the Community Based Long-Term Services & Supports are: independence, health and quality of life.
Program allows older people, people living with disabilities or chronic illnesses to decide:
The system achieves economy and efficiency by managing a package of services appropriate for the beneficiary and paid for by the appropriate party.
The system delivers services from various funding streams to provide seamless packages of support, and makes use of health information technology to provide transparent information to consumers, providers and payers.
For more information on Community Based topics.
It's HCBS programs intent to make available the services and supports needed by older adults and to assist an individual to remain in or return to the community. These programs do not individually provide 24-hour-per-day help. This means that in many cases it's necessary and desirable for individuals to use other paid and unpaid supports at their disposal.