Long Term Care Private Pay Supports

Anna Wilkinson Elder Care Advisor

Greater Springfield Senior Services

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.

What is Long Term Care Options Counseling

Staying at Home

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.

Personal Care Nursing Care Homemaking Medication Management Companionship

Services Provided:

Between $20 and $25 an hour Nursing visits can cost upwards of $80 or

more per visit Most agencies have a 2 hour minimum

Cost

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.

Non-Medical Home Care

Personal Care Homemaking Companionship Meal Prep Grocery Shopping

Services Provided:

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

Costs

Live In Care Employee lives with consumer 24/7 Cost can be between $5000 to $7000 a

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.

24 Hour Care

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

Other In Home Services

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

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.

Transportation

Ramps Rental: $60 a month (plus installation) Own: Upwards of $2000 plus depended 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, widening door frames, raised toilet seats

Home Modifications

Alternatives to Staying at Home

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.

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

Buy-In vs. Rental

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

Assisted Living

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)

Nursing Homes

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.

Geriatric Case Management

QUESTIONS ?