Wednesday, September 13, 2006
You may be concerned about your housing options as you grow older and older. Will you be able to take care of the family home, mow the grass, and rake the leaves? Will you be able to take care of your own personal needs, cook your meals, and bathe yourself? You might need long term personal care, if you think that in future; this is the time to think about your choices.
In home care
If you need personal or health care assistance but want to remain as independent as possible, you might consider in-home care as a substitute to nursing homes or for other facilities too. In-home care may include health care, household help, and personal care. You can also obtain these services by hiring private individuals or contracting with a home health agency, known as the local Visiting Nurse Association.
Paying for long term care
The choice you make from among the options may depend in part on what you can afford. Nursing homes typically charge a fixed daily rate, and the cost can vary widely, depending on the care you receive and the geographic location of the facility. Using private funds you can pay the bill, the proceeds from long term care insurance, or government assistance from Medicaid. Medicare covers only your health care related expenses, and only at facilities licensed to offer medical care.
posted by renaa
@ 10:20 PM
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