Homecare services allow seniors to age in the comfort of familiar surroundings and maintain their independence. However, it can be expensive. Fortunately, several solutions help families manage the cost of senior care. Read on to learn the various insurance options for homecare services in Philadelphia.

Understanding the Costs of Homecare Services in Philadelphia

The cost of home care services varies. According to a Genworth study, the median cost of homemaker services is $5720. The median cost of home health aide services is $6292.

However, costs vary depending on the level of care you need and your caregiver hours. For example, A Place for Mom estimates a median cost of $21,823 a month for 24/7 care.

Can Insurance Cover the Cost of Homecare Services in Philadelphia?

Some insurance plans will cover the cost, or partial cost, of homecare services in Philadelphia. However, you must speak with your provider to determine which services are covered and how much you can save. Ensure you work with an agency that accepts your insurance.

Medicare also provides programs to ease the financial burden of seniors who require care. The organization may pay for services provided by home healthcare agencies approved by the Federal Health and Human Services Centers for Medicare and Medicaid Services. The Centers for Medicare and Medicaid partner with Pennsylvania’s Department of Health to ensure agencies comply with home health regulations through various surveys.

Involved agencies must also conduct patient surveys and submit health information through the Outcome Assessment Information Set (OASIS) federal program to measure patient progress.

What Homecare Services in Philadelphia Should I Consider

Pennsylvania offers various homecare services. Here are some you may consider applying for:

Pennsylvania Department of Aging Waiver

This waiver offers various homecare services to seniors who qualify for nursing facility care but prefer to age in place. It helps families pay for personal care, respite care, home medical equipment, and home modifications. The services provided are determined on an as-needed basis.

Services My Way (SMW)

The SMW program caters to elderly and/or disabled Medicaid-eligible Pennsylvania residents. Additionally, it allows the participant to choose a caregiver who could be a friend, neighbor, or family member. The program pays the caregiver for their services.

Pennsylvania Community HealthChoices Program (HCH)

The HCH is designed for people 21 and over who require nursing home-level care. However, those who receive PDA waiver services are automatically enrolled in the program. Also, income and eligibility requirements apply.

Stay at Home Makes it Easy to Apply for Affordable Homecare

Fortunately, there are many ways to access affordable care in Pennsylvania. However, the application process can be difficult. You must go through multiple mandatory steps and assessments. Documents must be filled out properly and submitted on time.

Additionally, Stay at Home will assist you with the process. We ensure all forms are filled out correctly and submitted by the deadline. Furthermore, we will increase the likelihood that you will be approved.