How to Finance In Home Care for Seniors in Secaucus, NJ and the Surrounding Areas

Planning to schedule professional in home care for seniors? Learn more about how to pay for this type of care in Secaucus, NJ

When families need to hire professional caregivers for an aging loved one, one of the things that spark the most interest is how much it will cost and whether there are any options to minimize expenditures. If you are currently searching for the best care solution for mom or dad in Secaucus, NJ, and you are wondering how to pay for professional in home care for seniors, keep in mind that there are several options available. To discuss, call us at (201) 771-1908.

Understanding Your Options in Secaucus

Some of the most common options to pay for in home care for seniors in Secaucus, NJ, include: 

Private Pay/Out of Pocket – Most families choose to pay for assisted living or in-home care services directly out of their own pockets. While the in-home option is typically more affordable than the in-facility one, the final cost of care will depend on your loved one’s specific needs and the number of hours a refereed caregiver has to clock in. However, when scheduling in-home care services, families can minimize their out-of-pocket costs in several ways. 

Long-Term Care Insurance – This is a special insurance policy that can partially or fully cover the costs of care. Please bear in mind that it is usually obtained years before a person may develop the need for assistance. If your loved one is a long-term care insurance holder, Comfort Keepers Secaucus can answer relevant questions and help with the paperwork you need to gain access to this special type of coverage. 

Veterans Administration (VA) Aid and Attendance Pension Benefit – VA benefits can also cover some of the costs of in home care for seniors. If your loved one is a veteran or spouse of a veteran who actively served in the military during an armed conflict and was honorably discharged, they may be eligible for VA benefits, provided they meet the specific financial criteria and demonstrate the physical need for this type of service. 

Medicare / Medicaid – Medicare does not cover the cost of home care services. While Medicare Advantage programs and Medicaid may cover limited costs for certain care in some states, Comfort Keepers in Secaucus cannot accept these options.

Paying for In Home Care for Seniors in Secaucus, NJ

Contact Comfort Keepers of Secaucus to learn more about in home care for seniors and schedule your free consultation with our friendly client coordinators today.