ways to pay for services

JayCare Elite offers the elderly, seniors, people with disabilities, and family members assistance from trained professionals to help with specialized care. Whether you hire a home health aide through an agency or privately, there are significant differences that should be understood. Depending on the insurance plan, there are significant differences. Medicare, Medicaid, or private insurance may not pay for all in-home care services. They may pay just a part. Leaving you responsible for the remaining bill. Medicare and supplemental insurance plans cover personal care only if a consumer is receiving skilled care. They do not include personal care alone.

Compared to a nursing home or an assisted living facility, home healthcare and home care services are a bargain - depending on what is needed.

Those who pay out-of-pocket for home care should compare the fees of different agencies. Shop around to secure the level of care, affordability, and quality that you desire. 

 The Office of Long Term Living (OLTL) operates several Medicaid home and community-based services waiver programs for Pennsylvanians over the age of 18 with physical disabilities and older adults to enable them the opportunity to continue to live in, or return to, their homes and communities with a variety of supports and services. OLTL Waiver programs operated by OLTL provide an alternative to a nursing home; they allow individuals to receive services in their homes; offer a wide array of home health and personal care services; and offer people the opportunity to direct their own services. 

Currently Accepted: ACT 150 - OBRA - Community HealthChoices

STC/LTC is a privately paid insurance plan that covers short/long-term care needs like personal care. Most STC/LTC policies pay for segments of assisted living or nursing home care. Some pay for services in the community, such as home care and adult day care services. Based on the plan, care may be limited.

Depending on your long-term care insurance policy, you may have a waiting period before accessing funds. Review the policy for details to learn when benefits begin. Generally, it is anywhere from 30 to 120 days. 

Plan to buy a long-term care policy early to secure an affordable rate. Also, if you have a short/long-term care policy, use it. Don't put off the necessary care that you need, use your benefits! Some save the profits for the time they need them most, but intervening with home care earlier in a disease or aging process helps prolong one's ability to stay at home for a longer period of time.

Disability insurance replaces some of a working person's income when a disability prevents them from working. It does not cover medical care or long-term care services. 

Most forms of private insurance do not pay for personal care services. In general, health insurance coverage is limited. Certain types of long-term assistance and disability policies do not include much coverage at all. Private health insurance plans and HMOs follow the same rules set by Medicare. If they do cover long-term care services, it's only for skilled, short-term, medically necessary care.

These programs are based on a "consumer-directed care" model. They give an older adult a cash allowance for home care needs. The money applies to hiring a relative or friend who gives personal and household care, buys assistive devices, and pays for home modifications. Learn more at the Eldercare Locator, a public service of the U.S. Administration on Aging connecting you to services for older adults and their families. Call 1-800-677-1116. 

The Older Americans Act provides federal funds for state and local social service programs that enable frail and disabled older individuals to remain independent in their communities. This funding covers home health care, personal care, chore, escort, meal delivery, and shopping services for individuals with significant needs who are 60 years of age and older. Persons who have the resources to pay for some of these services contribute to some of the fees out-of-pocket. The Area Agency on Aging can provide information on such funding opportunities.

In some cases, local area agencies fund personal care services and case management, depending on the individual's financial circumstances. Learn more by visiting your State AAA. 

Veterans who are at least 50% disabled due to a service-related condition are eligible for home health care coverage provided by the Veterans Administration (VA). A physician must authorize the services delivered by the VA's network of hospital-based home care units. The VA does not cover non-medical services provided by home health care agencies.

Medically needed home care services are available to eligible active-duty or retired veterans and their spouses, widows, and dependents through the CHAMPVA Program. Call 877-222-8387 toll-free to determine eligibility for these services.

Medicaid/Medicare both federal government programs have specific eligibility requirements and limitations on the types of services covered. They can, however, be an excellent source of support if you qualify.

Medicaid  provides non-skilled health coverage to people with limited income. Medicaid can cover home health care services for eligible recipients. Eligibility for home health care usually depends on both medical needs and financial criteria. 

Medicare pays for skilled nursing stays that follow a recent hospitalization for the same or related condition and are limited to 100 days. Coverage of home care is set limits to medically necessary skilled care only.

Medigap insurance does not pay for long-term care. It provides no coverage for most long-term care expenses like care in a nursing home, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.