Financial Options for Care

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Financial options for home care include private pay options, as well as information on Medicare and long-term care insurance.

Typically, Medicare does not offer coverage for long-term care services like assistance with dressing, bathing, walking, or household chores such as food preparation. However, if there is a need for Medicare-approved treatments to be administered at home, they are typically administered by qualified medical professionals such as nurses or physical therapists. In certain cases, limited non-medical home care may be covered for a specific duration, particularly when related to a medical event like surgery or a stroke. This may involve services like bed baths or similar assistance provided a few times a week for an hour or two. It is advisable to consult your doctor to determine which services, if any, are covered by Medicare for your specific medical condition.

Yes, we offer this service to numerous clients, where we assist in managing the application process and handle direct billing to the insurance company. This streamlined approach can significantly alleviate the burden of paperwork for the family. It’s important to note that long-term care insurance plans differ significantly in terms of the reimbursement they provide for services, and not all expenses may be covered by every policy. If you are unsure about the coverage details of your policy, we can assist you in determining which expenses are eligible. Please be aware that any charges not covered by the insurance policy will be the responsibility of your family.

In most cases, private health insurance policies primarily provide coverage for clinical medical services. If you require services such as medication management, infusion therapy, or post-surgical wound care to be administered at home, your health insurance may cover those specific treatments. However, it is uncommon for private health insurance to include coverage for long-term care services involving assistance with activities of daily living like dressing, walking, or bathing. Additionally, health insurance typically does not cover non-personal care tasks such as meal preparation, laundry, grocery shopping, running errands, or transportation to medical appointments. If you have any inquiries regarding your coverage, it is advisable to directly communicate with your health insurance provider.

In certain situations, public services may be available based on factors such as financial need, age, and medical condition. If you are an aging individual with limited financial resources in Massachusetts, the recommended course of action to determine eligibility is to contact your local Aging Services Access Point (ASAP). There are 24 ASAPs located throughout the state, each with a specific jurisdiction. If you are unsure about which ASAP covers your area, you can click on this link to locate them

Absolutely. We offer a user-friendly online bill payment option for your convenience. With each invoice, you will receive a link to our secure billing system, where you can easily pay the full amount or make partial payments towards the bill. Additionally, you have the flexibility to set up recurring payments or make one-time payments, depending on your preference. It’s important to note that the transaction process is encrypted to ensure the security of your financial information. Rest assured that we never have access to your financial account details, further safeguarding your privacy.

The rates for home care services are subject to several factors, including your geographical location, the specific type of service required, the duration of each visit, and the payment arrangement you opt for. As a general reference, most home care companies in Massachusetts typically charge between $26.00 and $32.00 per hour. To obtain an accurate and personalized cost estimate for the services your family requires, I recommend contacting our office directly. Our team will be able to provide you with the specific details and help you determine the exact cost of services based on your unique circumstances.

Unlike cell phone or cable TV services that often require a specific contract duration, our home care services operate differently. When you engage our services, you will sign a ‘service agreement’ that does not impose any time commitment. This agreement simply outlines the services we provide, our corresponding charges, and other relevant information. You have the flexibility to start with a basic schedule and assess its suitability for your family. In the event that you need to cancel services, please note that same-day or next-day cancellations will be billed according to the originally scheduled arrangement. However, beyond that, you are free to cancel future services at any time without incurring any penalties. Upon discontinuation of services, any remaining balance in your account will be promptly refunded to you via a check.

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