when your family member needs help of any kind first of all you need to get the doctor to agree the help is needed then the doctor can write a rx to an hom health agengy and they will come out and asess the situation and it will then get reported back to the insurance for approvial for how ever many weeks it is also ofcourse left up to the insurance company as to how much they will cover and for how long i have had plenty experience with both side of the situation with medicare and with hmo
Other than health inurance, there is long term care insurance. Do you have long term care insurance? Some policies provide ALF, some provide home care as well. Depends on the policy. Also, you need to be evaluated and approved by insurance.
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You need to spend down your assets first before you can become eligible for Medicaid benefits, which is not a good option for people who have assets but not enough to buy coverage or pay for care. My advice would be to buy long term care insurance. This can provide you with comprehensive coverage that can secure your future financially and protect your family. It is pricey but it's actually a lot cheaper compared to self-insuring. It pays for custodial care, home care and other facilities that provide long term care.
If your mom have long term care insurance, then call the insurance provider to see if in home care is included in her policy. Talk to her doctor to see if she already require long term care services and if home health care would fit her. There are long term care insurance policies which may or may not include home health care, check here on more info about home health care insurance (http://www.infolongtermcare.org/ltci-learning-center/home-health-care-insurance/). Medicare and medicaid usually do not provide choices for in home care, in cases they do, it is limited and a lot of eligibility requirement
I am going to be painfully honest. I hired Companions and Homemakers, (I call them Companions & H*** raisers) and they robbed towels, sheets, moms shoes, from FOOTPRINTS, bedding, and food from the freezer! I refused to pay their last bill, and I called the police. There is no state agency to report these theives too. Be careful. Pop in unannounced. I did and found a worker sleeping in the middle of the day. I hired and fired people every other week. Finally, she was so unbalanced and her home was not good for a wheel chair, she had to go into assisted living. Long term care, TransAmerica, would not pay for 2 aides. The whole family then hated me and blamed her move on me. I was not the one who smoked 2 packs of cigarettes for 30 years. She was on oxygen, and she kept trying to get up and walk, resulting in numerous falls and trips to the ER.
it is also ofcourse left up to the insurance company as to how much they will cover and for how long
i have had plenty experience with both side of the situation
with medicare and with hmo
if I move to Orlando . Do I have the same benefits she is 83 and have all care Alliance for insurance
Be careful. Pop in unannounced. I did and found a worker sleeping in the middle of the day. I hired and fired people every other week. Finally, she was so unbalanced and her home was not good for a wheel chair, she had to go into assisted living. Long term care, TransAmerica, would not pay for 2 aides.
The whole family then hated me and blamed her move on me. I was not the one who smoked 2 packs of cigarettes for 30 years. She was on oxygen, and she kept trying to get up and walk, resulting in numerous falls and trips to the ER.