When it comes to eldercare, New Yorkers older than 65 have many choices. They can work, live and age in the community. There are many options. To make sure you are fully informed about the costs of in-home care and services, before you commit to any senior living experience,
Home health aides
New York's home health aides can provide more services to elderly residents to keep them in their homes. These services are offered by a range of providers. It is important to understand which type of service you need and whether your family can receive help through Medicare or Medicaid.
Home attendants assist with basic needs like meal preparation and grooming. They provide companionship and dignity. They also do light housekeeping and run errands. These services can give your loved one a sense of independence while getting the quality care they need.
Assisted living
Seniors in New York have many options when it comes to assisted living. There are many programs available for seniors, both through government agencies and non-profit organizations. Many of these programs are free. These programs help New Yorkers age in the community and avoid institutionalization. Many assisted living facilities in New York accept Social Security benefits as payment.
Medicaid programs can be found in the Empire State. They can help people afford assisted-living. The State Medicaid Plan covers long-term care services in nursing homes and non-medical residential care facilities. Medicaid does however not cover independent living arrangements.
Cost of in-home care
The cost of in-home elderly care in New York depends on the services provided. Although medical care is covered by most insurance plans, many do not cover companion care. Companionship includes everything from companionship and medication management to grooming and transport. More comprehensive, home health care includes everything from managing medication and chores to physical activity.
While some individuals choose to pay out-of-pocket for in-home elder care, others prefer to receive financial assistance. Medicare, for example, covers some types of non-medical care, but not around-the-clock or medical care. Medicaid covers home healthcare up to a specified level but not beyond that.
Medicaid
Medicaid for seniors in New York covers people 65 and older who are blind, disabled, or who have been diagnosed with dementia. This program includes nursing care and assisted living communities. Those who qualify can receive these services through a Medicaid card. You can apply in a variety of ways, including online, by phone or mail.
Medicaid covers a variety of medical services including hospital care, prescription drugs and social services. It also covers the cost for personal care aids, adult daycare, and transportation to medical appointments. It can also be used to pay for services such as mental health or social services. Applications for the program are available at county departments of social services.