The cost of in home care services varies across the county depending on the type of caregiving and the qualification of the care giver. According to Genworth, the median cost for in home care services in the United States is $18 per hour for licensed homemaker services. Cost range varies from state to state. For example, in South Carolina, the minimum hourly rate is $10 and the maximum hourly rate is $20. However, the minimum hourly rate in Oregon is $17 and the maximum is $28 per hour. Non medical in home care services are not covered by Medicare and typically paid out of pocket from personal savings or with long term care insurance.
The cost for in home care services that require medical caregiving also vary depending on the specialists and equipment required for caregiving. Typically, medical in home care services are paid by Medicare and other private insurance; however, to be eligible for Medicare coverage, your elderly loved one must meet all of the following criteria:
- A physician must prescribe medical in home care services for your elderly loved one.
- You must use a Medicare certified home health agency.
- Your elderly loved one must require intermittent caregiving through skilled nursing care, physical therapy, speech therapy, or occupational therapy.
- Your loved one must be homebound.
Medicare Coverage for Home Care Services
- Intermittent or part-time caregiving through skilled nursing.
- Intermittent or part-time caregiving through home health aide services. (Medicare will only cover home health aide service if your loved one is also receiving skilled nursing care or therapy. Medicare will not cover if home health aide service is the only caregiving your loved one needs.)
- Physical, speech, and occupational therapy caregiving for as long as the doctor deems necessary.
- Medical social services.
- Eligible medical supplies and durable equipment (such as wound dressing and wheelchair).
- In some cases, FDA approved injectable osteoporosis drugs.
In-Home Care Services for Low-Income Seniors
If your elderly loved one needs caregiving but cannot afford in home care services because of low income and lack of personal funds, there may be help available from your local state. Each state has its own program so it is important to research what criteria your state requires. For example, in California, a program called In-Home Supportive Services (IHSS) helps pay for in home care. This program is available for seniors over 65 years old and to others who are disabled or blind.
In order to be eligible, there are specific criteria that must be met such as a maximum limit on personal property. Other states may have similar services. If you believe your loved one is eligible, research your state website or contact your local social worker to find out what programs are available.
If you would like to learn more about the costs and different options for paying for in home care services, please use our free service. Our specialists are available to answer your questions.