Cheap Health Insurance – Want To Save?

May 2, 2020 Off By Crystal Watkins

Getting home health care services is an investment. It would be something that your family would be considering for a long time. With this, you need to make sure that your care services are appropriate for the care recipient. You should also look at the other details of the agency when it comes to the professionals that they are hiring.

Many names can be used interchangeably in regards to home elderly home care care. Some of these include: ‘Home care’, ‘in-home care’ and of course ‘home health care.’ Whether the person needs skilled care or not, these terms can be used. In the past, the term ‘home care’ is considered non-medical care, while ‘home health care’ is considered to be used when skilled nursing care is needed.

To play this game, I’m going to make it a point to have a heart-to-heart meeting with my insurance company. That’s because I’m expecting yet another significant rate increase as the regulatory demands on the insurance industry grow. If your business were facing an economic downturn, significant uncertainty in your sector, and a government readying to unleash heavy fines on your business just because you have the audacity to earn a lot of money, wouldn’t you be grabbing as much cash as you can, while you can? Exactly.

Often times you will be confronted with several options. Picking between them can seem like a daunting task. How do you make a decision? How can you be sure that you have made the right decision? We’re talking about your childrens safety and well being here, so you don’t want to make any mistakes.

According to the US Department of Health and Human Services, in 2008, the average cost of hiring a home health care provider in United States is $29 an hour. The cost may vary depending upon where you live, however. Those in Los Angeles, may have to pay $29/hour for a home health aide, but those in San Jose, may need to pay $50/hour for the same in home care.

One way to ensure that you are paying the contracted rate is to work with a licensed insurance agent in your state. This agent will also help you with your claims as well.

If your loved ones want to keep their independence and don’t have dangerous health issues, consider independent living communities. They will have their own apartments and will be living with others their age. This is a wonderful option for healthy seniors who may be looking to get involved in activities and want additional company. They won’t feel like you’re leaving them in a nursing home. Instead, they will be part of a social community.

Check for the licensure or accreditation of your health care facility. You will want to have another option just in case you are getting services that are below your standards, or if there are violations of any sort done to your loved one while in the home.