The Benefits of Hiring In-Home Care 雇佣家庭护理的好处

    Signs a Senior Needs Help at Home

    Living at home becomes increasingly difficult in our senior years. Even as challenges arise, most seniors prefer to stay in the comfort of their own home however, family members are often the first to notice that something is not quite right. An assessment of a senior’s daily functioning is the starting point in determining the need for care. A senior who needs support in accomplishing Activities of Daily Living would benefit from in-home care. To assess the functioning of your aging loved one, complete a needs assessment to identify your home care needs and determine the level of care you require.


    Print a senior needs assessment:

    The Benefits of Hiring In-Home Care

    Professional caregivers can provide a much-needed source of respite for family caregivers. Adding in-home care providers to the care team is an important source of support for the family while allowing an aging loved one to remain in the comfort of their own home for as long as possible. Aides can provide companionship, transportation, and hands-on assistance with a senior’s every-day tasks, affording family members peace of mind with the knowledge that their elder’s care needs are met.


    Home Care Agencies vs. Private Caregivers
    家庭护理机构 vs 私人护理者

    A private (direct-hire) caregiver is employed directly by the family. Oftentimes, families choose to hire independently based on the cost savings of using an independent contractor. More affordable care is an attractive benefit; however, this decision must be weighed carefully. Families who pay a private caregiver are responsible for filing the associated paperwork and paying applicable taxes on wages. Additionally, caregivers hired through a licensed home care agency are accountable to state regulations. They are bonded and insured by the agency through which they are providing services. The increased cost of using an agency to provide caregivers may be worthwhile to families who want to hand over the day to day responsibilities of managing care. Hiring an agency mitigates the difficulties of dealing with background checks, employment taxes, daily scheduling, and finding back-up providers to cover a shift.

    一个私人(直接雇佣的)照料者直接受雇于家庭。通常情况下,家庭选择独立雇佣是基于使用独立合同人的成本节约。提供更多负担得起的医疗服务是一个有吸引力的好处; 然而,这个决定必须仔细权衡。付钱给私人护理人员的家庭负责填写相关的文件,并支付相应的工资税。此外,通过有执照的家庭护理机构雇佣的护理人员要对国家法规负责。他们通过他们提供服务的机构进行抵押和保险。利用一个机构来提供照顾者所增加的成本对于那些想要交出管理照顾的日常责任的家庭来说可能是值得的。雇佣一家中介公司可以减轻处理背景调查、就业税、日常行程安排以及寻找后备供应商来支付轮班费用等方面的困难。

    Types of Home Care Services

    Personal home care assistance includes help with basic activities of daily living like dressing, bathing, meal preparation and cleaning. This type of non-medical home care is sometimes referred to as homemaker or companion care, because it does not provide any skilled medical services. Whether part-time or full time, a dedicated care companion provides help at home, keeping a senior safe during the hours you need assistance most. Home health care is medical in nature. A prescription from a doctor may be required to obtain in-home services that are provided by healthcare professionals such as registered nurses, licensed practical nurses, and physical, occupational and speech-language therapists. Home health care may also be described as clinical or skilled care. Generally, home health care is intended for short term rehabilitation after discharge from the hospital for recovery from illness or injury. Home health care includes services like physical therapy, wound care, intravenous or nutrition therapy, and monitoring vital signs. A home health aide (HHA) can administer some skilled home-care services under the direction of a registered nurse or other medical professional.


    Dementia Care

    As individuals experience the progressive decline of Alzheimer’s or dementia, it is important to establish a care plan that supports the client as well as provides needed respite for the family caregiver. Many home care agencies offer specialized dementia care services. When comparing home care agencies, inquire about specialized training for managing dementia behaviors.


    In-Home Care Costs

    The cost of in-home care varies by type of care and where you are located. Start by completing a care assessment to determine the number of hours of care you will need per week. Most home care agencies typically charge by the hour with a minimum hourly commitment. According to the Genworth 2019 Cost of Care Survey, the US national average for home care provided by a personal care aide, companion caregiver or home health aide is $23 per hour, whereas in-home skilled nursing can cost as much as $87 per visit.

    家庭护理的费用因照顾的类型和你所在的地点而异。从完成护理评估开始,确定每周需要护理的小时数。大多数家庭护理机构通常按小时收费,每小时承诺最低。根据 Genworth 2019年护理成本调查,美国全国平均每小时23美元的个人护理助理、陪护护理人员或家庭护理人员提供的家庭护理服务,而家庭护理专业人员每次服务的成本可能高达87美元。

    Paying for In-Home Care with Medicare

    Generally, Medicare coverage is determined by the type of services provided. Original Medicare will only cover medically-necessary home health care that is ordered by a physician on a short-term basis. Eligible services must be offered by a Medicare-certified provider. Personal care services will only be covered if they are part of a scope of services that includes the need for in-home skilled medical care. For more information on qualifying conditions and Medicare covered home care services, Medicare provides an eligibility tool on the Medicare.gov website.

    一般来说,医疗保险的覆盖范围是由所提供的服务类型决定的。最初的医疗保险将只包括医疗必要的家庭医疗保健是由一个医生订购的短期基础。符合条件的服务必须由医疗保险认证的提供者提供。个人护理服务只有在包括需要家庭专业医疗服务在内的服务范围内才能得到保障。要了解更多关于资格条件和医疗保险覆盖的家庭护理服务的信息,医疗保险网站在 Medicare. gov 网站上提供了一个资格工具。

    Paying for In-Home Care with Medicaid

    Each state runs its Medicaid program differently, so eligibility and benefits are different in every state. Make sure you research home care benefits specific to the state where care will be provided. All 50 states have some type of program that pays for home care for the elderly, however the benefit is dependent on which type of Medicaid program the senior is enrolled in. To learn more about Medicaid eligibility for home care benefits, research both the Medicaid State Plan as well as the Medicaid Waiver program in your state.