MyGericare

Home Care Companion Helper

QUICK OVERVIEW: A Home Health Agency (HHA) is usually the provider of in-home non-medical companion helper care at the place of residence. These homecare workers are trained caregivers who provide companionship, custodial care, and are also for keeping a safe physical environment for the person receiving care in their own home.

 

APPROPRIATE FOR: Seniors who are able to take their own medicines and who are mentally alert, need minimal assistance with their Activities of Daily Living (ADLs), and who are able to move throughout the house, even with a walker, cane, scooter or wheelchair.

 

SERVICES PROVIDED: Services include light housework, companionship, errands, and grocery shopping and/or meal preparation. Also, they provide assistance with some Activities of Daily Living (ADLs) such as eating, bathing, and providing reminders to take medicines (not allowed to administer medications).

 

COST RANGE: $18/hour and up

 

FUNDING SOURCES: Private Pay, some Long-Term Care Insurance (LTCI) policies, Medigap or a combination of these payment sources.

 


PRIVATE PAY SOURCE:

Coverage

Conditions & Limits

-All-

-None-

 

 

 

LONG-TERM CARE INSURANCE (LTCI) SOURCE:

Coverage

Conditions & Limits

  - Depends on policy, some cover in-home care based on impairment of Activities of Daily Living (ADLs) as the $ coverage depends on the policy.

- For information on how to determine what kind of LTCI policy is best, consult with senior Advisors For Seniors like Eldercare Attorneys.

  - Depends on the policy, as some only cover more serious skilled nursing care for a limited number of days, daily amount, total dollar amount, etc.,

- For information on how to determine what kind of LTCI policy is best, consult with our Advisors For Seniors in your area.

 

 

 

MEDIGAP SOURCE:

Coverage

Conditions & Limits

- Medigap policies D, G, I and J, along with Minnesota State's Extended Basic Plan have a benefit that covers home companion care, and home health care, with coverage's varying with each policy.

- May cover assistance with Activities of Daily Living (ADLs) such as bathing, grooming, monitoring medications, meal preparation, light housekeeping, laundry, errands, grocery shopping & transportation.

  - Eligibility is based on person currently receiving Medicare-covered skilled home health care.

- There are many limitations.  We recommend you consult with an Estate Planning or Elder Law Attorney in your area, from our Advisors For Seniors category.