Most people prefer to live at home in their senior years.  However, without a modest amount of assistance this simple desire would be impossible. To meet these basic needs there are three types of in-home care agencies.

1) Homemaker Services
2) Non-Medical Personal Care
3) Medical Personal Care

Homemaker and Non-Medical Personal Care Services
These agencies provide services including preparing meals, bathing, dressing or moving around the house.  For providing basic need this type of home care agency will provide the most cost effective way to meet in-home care needs.

If you are considering one of these agencies the following questions should help you select a high quality service:

1.) Is the agency licensed and bonded?
2.) What services does the agency provide?
3.) What is the minimum/maximum service available?
4.) What are the qualifications of the agency staff?
5.) Are staff members bonded (insured)?
6.) What is the procedure for replacing a worker that has reported a sick day?
7.) Can a staff person be replaced if they are not a good match?
8.) What is the cost of services?
9.) Does your agency work with Medicare and Medicaid for payment?
10.) How does the agency bill for care?
11.) Does the agency provide references?
12.) Is the agency accessed by an outside health organization?
13.) How will complaints be reported and resolved?
14) Is a written plan created for the of care for each client? Do clients and family members work together in creating this plan?

Medical Personal Care
Medical care provided by a home health care agency include nursing care, home medical assistance, and physical therapy.

Financing In-Home Care

Housekeeping Services/Non-Medical Personal Care
To be eligible for Medicare or Medicaid support, a health care agency must meet certain federal standards and provide skilled nursing services. The client themselves must be homebound and under a doctor’s care. Unfortunately, this means these programs will not cover the costs for personal care or homemaker services.

Medical Personal Care
These agencies are regulated by state and federal laws, and are often Medicare and Medicaid certified. As a certified agency they will work with  Medicare and Medicaid to finance the cost of the in-home health services which they provide.