It can be extremely stressful, when you are faced with the decision between placing yourself or a loved one in a nursing home or using in-home care services. Both types of care come with its own set of advantages and disadvantages, making it difficult to determine which option would be the best. It is important to find the best care for your elders and seek the services of attorneys if you suspect abuse. There are several factors that you should take into consideration when making this very important decision, such as safety concerns and costs, as well as a person’s social and emotional needs.
The first thing you need to consider is the safety concerns of the person needing the care. If you or your loved one requires 24-hour care, then in-home care services may not be sufficient. For example, if a person is considered a high risk for falling or is experiencing some form of dementia, in-home care may not provide enough services to keep them safe throughout the day. The best option is to talk with the doctor to determine what you or your loved one’s specific limitations are, and what type of care he recommends.
Before making a final decision about you or your loved ones care, it is important to understand the different costs involved with each type of service. These costs vary greatly between in-home care and nursing homes.
In-home care costs generally charge by the hour and vary based on the type of in-home care services needed. A non-medical home health aide usually charges anywhere from $15 to $20 per hour. They provide basic in-home services, such as meal preparation, cleaning and shopping, however, they do not provide any medical or physical assistance. A medically certified nursing aide’s fees are slightly higher, and typically range between $25 to $45 an hour. They can provide physical assistance, such as transferring to the bed, shower or wheelchair, as well as medication management services. Specialty nurses, home therapists and specialized equipment are generally covered under private insurance.
Nursing homes, on the other hand, typically charge by the day. Although insurance policies and regulations vary by state, the standard insurance coverage for a nursing home stay is 20 days. After this point, most insurance carriers will cover an additional 80% of the costs for the next 100 days. After 100 days, the costs for room and board typically becomes the responsibility of the resident. To better understand the costs in your particular area, it is best to meet with the financial consultant of the nursing home you are considering. You should also keep in mind the signs of nursing home financial exploitation.
You must consider you or your loved one’s emotional and social needs when making this type of decision. This basically depends on the person’s personality, and which place they would feel more comfortable. Some people want to stay in their own home if at all possible, while others would rather go to a nursing home rather than let someone they do not know into their home. It is important to consider which option would meet you or your loved one’s emotional and social needs.
The most important thing is to gather all the facts and take all the above factors into consideration before making a final decision. Set up a meeting with you or your loved one’s doctors or a social worker at the hospital or nursing home to help answer any of your additional questions. No matter what type of service you choose, take the time to thoroughly research the company, and ensure that they can provide all the services you or your loved one requires. And if you know a loved one who has suffered abuse at a nursing home, contact an attorney to learn your rights and obtain your just compensation.
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