Home Care Myth Busters

by Lois Etienne on October 7, 2011

in Finances,Insurance,Senior Health and Safety

No matter what our health or financial situation, most of us want to be able to remain in our own homes. Home care is one of the answers to make that happen. But a lot of people have misconceptions about what home care is really all about. So, I’m going to address several home care myths over the next two weeks. If you have any questions as we go through this, please put them in the comments and I’ll tackle them.

Myth No. 2 Home care costs too much.

Some families seem intimidated by the costs of home care. In reality, home care is one of the most affordable options, partly because of the flexibility of an hourly service. In fact, a 2010 survey conducted for the Home Instead Senior Care® network revealed that 22 percent of the network’s clients employ caregiver services for just four hours or less a week. About 20 percent employ them between four and eight hours a week. Furthermore, this research reveals that 49 percent of family caregivers overestimate the cost of non-medical care on average by $6 an hour.

If your loved one just needs a few hours of non-medical and companionship service each week such as meal preparation, light housekeeping, medication reminders and shopping, non-medical home care can be ideal. While home care is still primarily private pay, more long-term care policies are covering this service.
In contrast, a recent Genworth study reported that the cost of a private room in a nursing home jumped 3.4 percent in the past year to an annual total of $77,745, while the cost of ALFs increased 2.4 percent to $39,135 annually.

And I always point out that, even though round the clock home care is not cheap, it is comparable to nursing home costs. AND in you own home, your caregiver will read you the morning paper after preparing your favorite breakfast…if you want to, she will get you into the car so you can ride through your neighborhood to see how things are changing…or he can run to the store, get your favorite rib eye steak and fix it on the grill for you for dinner…none of which is going to happen when you’re in a nursing home.

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