MyGericare

Home Care Nurse | Medical Health Care

QUICK OVERVIEW: A state-registered, federally regulated Home Health Agency (HHA) is usually the provider of this in-home medical and/or nursing health care. Care is provided by a Registered Nurse (RN), Licensed Vocational Nurse (LVN) and/or Licensed Practical Nurse (LPN); sometimes complementing the work with other health professionals.

 

APPROPRIATE FOR: Seniors who are not able to take their own medicines because of confusion and/or physical impairment. Senior would need more than just minimal assistance with their Activities of Daily Living (ADLs), and cannot move freely throughout the house, even with a walker, cane, scooter or wheelchair.

 

SERVICES PROVIDED: In-home health care must be prescribed by a physician, and can include services such as physical therapy and occupational therapy. A more intense level of care depends on the assistance needed with Activities of Daily Living (ADLs) such as eating, bathing, using the toilet, etc. A home health aide can also administer medications under the supervision of a nurse.

 

COST RANGE: $25/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 and Elder Law Attorney from our Advisors For Seniors category.

  - 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 an Estate Planning or Elder Law Attorney from our Advisors For Seniors category.

 

 

 


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 from our Advisors For Seniors category.