Long Term Care Private Pay Supports

1. Long Term Care Private Pay Supports Anna Wilkinson Elder Care Advisor Greater Springfield Senior Services

2. What is Long Term Care Options Counseling • Long Term Care Options Counseling is a free service that provides resource counseling for elders 60 and older, their caregivers, and persons under 60 with a long lasting disability. • Conversation focuses on individuals choices and preferences. • Topics include housing, homecare, future care, and placement issues.

3. Staying at Home

4. Certified Home Health Care (Medical) Certified Home Health Care are companies where care is provided by licensed medical professionals. Services can be billed to medical insurances. These companies are overseen by the Department of Public Health and must meet standards of care prescribed by Medicare.

5. Services Provided: • Personal Care • Nursing Care • Homemaking • Medication Management • Companionship

6. Cost • Between $20 and $25 an hour • Nursing visits can cost upwards of $80 or more per visit • Most agencies have a 2 hour minimum

7. Non-Medical Home Care • Non-medical home care companies provide quality care from professional caregivers who receive training, are covered by workman’s compensation, and receive supervision. • These services are private pay, however in some cases LTC insurance policies and/or Veterans benefits MAY cover these expenses.

8. Services Provided: • Personal Care • Homemaking • Companionship • Meal Prep • Grocery Shopping

9. Costs • $20-$25 depending on level of care • Most companies have a 2 hour minimum • Can provide 24 hour care

10. 24 Hour Care • Live In Care • Employee lives with consumer 24/7 • Cost can be between $5000 to $7000a month • Employee requires time off=Family must provide respite • Provides all care needed • Background checks, bonded, and insured • Agency does tax paperwork, consumer can either pay employee directly or via agency.

11. 24 Hour Care 24 hour care via shifts Multiple caregivers Cost between $20-$25 an hour May cost more for overnights or for a higher level of care

12. Other In Home Services

13. Medication Management RN support through a home care agency Cost upwards of $80 per visit Medication Dispenser through companies such as Lifeline Cost upwards of $50 a month Someone needs to fill the machine Cannot accommodate medications whose dosages change frequently such as diabetes medications and blood thinner

14. Transportation • Some Home Health Care agencies offer transportation as a service • Costs can ranges between $____ and $____ • Live in caregivers typical use the clients car and are reimbursed at Federal mileage rate.

15. Home Modifications • Ramps • Rental: $60 a month (plus installation) • Own: Upwards of $2000 plusdepended on size and the grade • Stair Lifts • Rental: Upward of $50 a month (plus installation) • Own: $4000 plus depending on need • Bathrooms modifications: walk-in shower, wideningdoor frames, raised toilet seats

16. Alternatives to Staying at Home

17. Independent Living Units range from studio to 3 bedrooms Services provided may include homemaking, laundry, meals, and leisure activities. No personal care or nursing services included in price BUT can be purchased separately through private agency.

18. Buy-In vs. Rental • Buy-Ins follow an “Aging in Place” model • Initial costs can be upwards of $100,000 plus additional rent per month. • Rents range from $3000 to $6000 a month depending on the community and size of the apartment. • Rentals range between $2500 to $5000 • No deposits generally required

19. Assisted Living • Units include private apartments (studio to 2 bedrooms) • Some facilities have “companion suites” which can lower the cost for elder • Services include homemaking, meals, laundry, and leisure activities. • Limited personal care included (usually up to 1 and ½ hours a care) • Additional time can be purchased. • Some Assisted Livings have special units specifically designated for dementia care. • Medication management is usually an additional cost • 24/7 care and/or supervision is NOT included

20. Nursing Homes • Double Occupancy • Some single rooms may be available • Costs upwards $10,000 monthly • Services include 24/7 nursing care, homemaking, medication management, personal care, meals, and leisure activities. • Most follow a medical model but trend is shifting to a social model (ex. Mary’s Meadow)

21. Geriatric Case Management • Personal case mangers to assist with all aspects of care planning. • Can be a one-time consultations to intensive case management • Offers a wide range of services from setting up medical appointments to arraigning placement • Costs ranges between $50 to $75 a hour depending on need.

22. QUESTIONS ?