How to Pay for At-Home Elderly Health Care Services in Sioux Falls, SD

Need elderly health care for a loved one? Explore your payment options with the help of Comfort Keepers experts

How much does home care cost? This is by far the most common question families ask when considering elderly health care options for a loved one – and understandably so. Before settling on a specific type of care, make sure to do your research and keep in mind there are several options to lower your out-of-pocket expenses. 

In Sioux Falls, SD, the most common options to pay for mom or dad’s care include:

Private Pay/Out of Pocket – Most families choose to pay for professional caregiving services such as assisted living or in-home elderly health care with their private funds. As you probably know, in-home care offers a range of additional benefits and is typically much more affordable than care provided in facilities or nursing homes. Nonetheless, the final cost of in-home care largely depends on the services provided and the visiting schedule. If the budget is tight, consider all your options to determine the best way to minimize expenditures for mom or dad’s care. 

Long-Term Care Insurance – Depending on your loved one’s situation, this specific insurance policy can be used to partially or fully cover the costs of care. If your mom or dad is a long-term care insurance policyholder, our locally owned and operated Sioux Falls office can provide guidance and help you prepare the paperwork needed to gain access to the insurance money. 

Veterans Administration (VA) Aid and Attendance Pension Benefit – Seniors who meet the eligibility criteria and demonstrate the physical need for elderly health care can cover a portion of their care expenditures through VA programs. If your loved one is a veteran who served in the US Army during a time of war, they probably qualify for these benefits. Surviving spouses of such veterans are eligible to apply too. Contact your nearest Comfort Keepers office and we can help you set everything up. 

Medicaid and Medicare – For services that Medicaid covers, Comfort Keepers in Sioux Falls is able provide certain services to plan beneficiaries. However, please be advised that Medicare does not cover the cost of home care services. While Medicare Advantage plans do cover some limited services in certain circumstances, Comfort Keepers in Sioux Falls is not currently able accept Medicare Advantage plans.  

Learn How to Pay for Elderly Health Care in Sioux Falls, SD

Contact Comfort Keepers Sioux Falls to learn how we can help and book your free consultation with our knowledgeable client coordinators today. We are here for you! (605) 638-9791