Does Your Insurance Cover Home Care Assistance Options?

In home care

American healthcare seems to change drastically year after year. This leads to millions of people reviewing their insurance plans or checking with their regular doctor in an attempt to figure out where they stand in terms of not just short-term care, but long-term home care assistance. Helping seniors remain independent is an ongoing issue in the United States and one that deserves significant attention as the population continues to age.

How Is America’s Population Faring?

The United States is home to a massive population. Even more stark is the population of elderly or chronically ill persons in need of long-term home care assistance — by the time 2050 rolls around the number of people using paid long-term care services in any setting, be it at home or at skilled nursing facilities, will likely double from the 13 million back in 2000 to nearly 27 million.

What Are Common Issues Faced By Elderly Populations?

There are multiple health issues predominantly faced by elderly populations that can more easily be addressed through long-term home care assistance. Alzheimer’s is the sixth leading cause of death for elderly persons in the United States, followed closely by heart attack, stroke and various stages of dementia. According to Home Instead Senior Care’s survey of home care professionals, clients generally fell into the following categories — over 60% had mobility issues, 48% had muscle weakness or exhaustion, 40% had dementia and nearly 30% were dealing with the aftermath of a stroke episode. Unfortunately, this is a topic that is not frequently discussed among family members.

What Are Common Fears Shared By Many Concerning Care?

One of the most common fears regarding long-term health is that of quality, reliability and price. This can lead many to avoid seeking out long-term home care assistance or a custom care solutions when they need it most. More than 90% of respondents to a recent survey have not talked about critical long-term issues with either their spouse, aging children or partner. According to a survey by Age Wave, the majority of people vastly underestimate the likelihood they will need long-term care. While around 37% of people over the age of 50 believe they’ll need the aid of certified caregivers in the future, the reality is closer to 70%.

What Does Quality Care For Your Loved Ones Look Like?

Senior care options are just as varied as the people seeking assistance in their day-to-day life. Certified medical professionals help their clients with daily tasks such as bathing, dressing, laundry, cooking and transportation. One study found that those who received a form of in-home care visited the doctor 25% less than those without — clients with dementia diseases, in particular, made almost 50% less trips to the doctor’s office.

Which Option Is Right For My Loved One?

Home care assistance is fast becoming one of the most preferable options for those seeking medical support while remaining independent. Over 65 million informal and family caregivers alike provide care to someone who is elderly, disabled or chronically ill in the United States. Another 43 million caregivers provide assistance to people over the age of 50 or those who suffer from Alzheimer’s. Talk with your insurance provider today and see what senior care options are available to you and your family.

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