If you are looking at senior care options, you will very likely come across non-medical home care. Because it hasn’t been around for very long, you may be confused about what it is. It is simple: it is care that is provided to the senior at their home. As we grow older, routine daily tasks like bathing, grooming, cooking and cleaning and so on can become challenging. Non-medical home care provides help with this kind of care, and additionally, the seniors get companionship.
Non-medical senior assistance comes in different packages. Depending on the provider that you choose, you can get anything from someone who comes in once or twice a week to someone who spends the night if needed. The more care you need, the more the package costs. If, for instance, you want someone to come in clean, cook you a few meals, you will pay less than if you want someone to come in, cook, clean, help you wash, help with medications and help you with personal grooming.
Non-medical home care can be expensive, and that is why you are advised to start to think about getting insurance early, or buying a combined service plan for a discount. One of the best ways to pay for this kind of care is to take out home care insurance. Even if you are already in your 50’s and 60’s, you can get this kind of insurance so long as you are in good health. It works in a very simple way; you pay premiums to the insurance company every month and then you can cash in your premiums when needed.
It is important to choose carefully; read the small print and if you cannot figure it out, talk to someone who is experienced in home care solutions. Be sure to confirm if there is a waiting period after you cash in your premiums; if there is, it means that you cannot get the money in case of an emergency.
Commonly asked questions about non-medical senior assistance:
• What if I don’t like the individual who is sent to care for me?
All you need to do is call the provider and request a change of care giver. Most providers work hard to keep their senior clients happy.
• What if I am under medical care, do I still non-medical home care?
Yes you do; they can be invaluable in helping you keep your home clean, getting your meals and helping you get clean and groomed. They are also social companions and it helps to have someone to talk to.
• Doesn’t Medicare pay for non-medical home care?
Not quite; they are quite strict about what they pay for and what they don’t.
Start paying for non-medical home care insurance today and you won’t have to worry so much about who will take care of you when you can’t.