While some retirees choose to transition to retirement communities when the time comes, many prefer to stay at home. Many people who choose this route rely on family for caregiving at first, but often reach a point where more advanced, frequent, or medically trained care is needed.
Retirees who prefer to stay in their homes can get at-home help at a variety of levels. Here’s an overview of your options for senior in-home care.
Medicare will cover home health care under certain circumstances. To receive coverage, your situation must meet all of the following criteria:
If all the above criteria are met, Medicare will pay for:
Currently, Medicare does not cover:
Medicare leaves gaps in senior home care coverage that can be significant for those whose needs don’t fall within its requirement boundaries. There are, however, a few other options for funding of home health care.
At-home care can be the ideal solution for those who wish to live out their retirement at home. If you’re considering senior home care for yourself or a loved one, look into local paid agencies or your local government-run center on aging for resources. You can also speak with hospital discharge planners and social workers who specialize in elder care issues. The more time you can take to research the options, the better chance you’ll have of finding a solution that works for your budget—and your needs.