Are you in need of home care services but your insurance just doesn't want to fork over the money to pay for them? There is another way to get those services without going through an insurance company.
What Are Home Care Services?
Home care services occur when someone who is injured, elderly, or disabled needs extra help. You are able to receive home care services through an individual, or even hire an agency that can then employ a nurse or caregiver to come into your home and assist you with what you're struggling to accomplish.
What Are Private Pay Home Care Services?
In simple terms, private pay just means you pay for those services out of pocket. If your insurance company won't pay, but you know you are in need of services, you can negotiate a price with the individual or agency you hired to provide your care. You can still receive the same services under private pay insurance that you would through an insurance company.
What Services Are Provided Under Private Pay Home Care Services?
There are a lot of services that you can potentially receive, even under private pay home care services.
Some of those services include:
- Cleaning
- Meal prep
- Physical therapy
- Occupational therapy
- Speech therapy
- Wound care
- Medication set-ups
- Bathing assistance
There are many more services that are able to be provided depending on the individual or agency you hired.
How Much Do Private Pay Home Care Services Cost?
If you begin receiving services in your home through an agency, it is important to negotiate what you will be paying before you let the agency's caregiver or nurse enter your home. Even after negotiating the price of services, they are going to depend on a few factors.
Those factors can include:
- The rate set by the state for that service
- Location
- Agency
- The type of service you're receiving
- How often you receive services
For example, if you have someone come into your home for cleaning services, that will cost substantially less than if you have someone come into your home for medication set-up or wound care. This is partially due to the fact that cleaning services don't require a nurse who has special education and certifications like medication set-up or wound care would. The national average for home care services is at about $4,290 per month.
Are Home Care Services an Alternative to the Nursing Home?
Private pay home care services can be one way to stay out of the nursing home. Depending on your services and location, they may even be able to save you quite a bit of money at the same time. It's a win-win!
For more information about Private Pay Home Care Services, contact a company like Quality First Health Care Services.
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