Spending golden years in the comfort of one’s own home remains a top priority for the majority of aging adults, which makes perfect sense – after all, who would not want to age in place?
If you are a family caregiver for a senior loved one who wants to remain living independently at home and avoid stressful relocation to an assisted living facility, you may be wondering how your family can afford long-term care when the time comes.
What is more, your additional concern may be that you will have to pass on the best home care services you want for Mom or Dad and go for a more budget-friendly option instead.
Long-term care insurance is a special type of insurance, usually obtained by people in their 50s and 60s, which can be used to offset future costs of care. Long-term care insurance may cover professional home care services for those with acute illnesses, chronic medical conditions, and permanent disabilities.
Visiting Angels Gaithersburg also accepts private pay for our essential personal senior care services, meaning that a family can pay from their personal income or savings. At this time, Medicare and Medicaid do not cover the cost of in-home senior care, as these services are essential personal in nature.
Many families come to Visiting Angels Gaithersburg knowing that their loved one needs some level of assistance, but aren’t sure where to start. This is why we create a customized care plan for each senior client that provides the services and schedule unique to them. This can include:
Your loved one may need care for 4 hours a day, 3 days a week to start. As their health changes or needs increase, their care plan can change with them.
If you think your loved one could benefit from our long-term care services, please get in touch with our Gaithersburg, MD office today! We are here to answer all your questions and schedule a free in-home consultation where we can discuss your needs and review your financing options.