Covering the Costs of Home Care Equipment

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An older adult uses a walker, just one of many types of home care equipment, to stand with her adult daughter.

Discover the different types of payment options for home care equipment.

Would an aging loved one feel better with more support getting in and out of the bathtub or shower? Does he or she need a walker or rollator to move around? If so, it’s highly likely that you’ll soon be looking to purchase the in-home adaptive devices that so many families depend on to help older loved ones stay safe and independent. And it’s not unlikely that you’ll be wondering how to cover the cost of these types of home care equipment, and if any of them may be covered through Medicare or insurance.

Just like home care services, there are many choices when you start looking for home care supplies and equipment. Below are some of the possibilities available to help you or a loved one in covering the cost of home medical supplies.

Medicare

If the older person has Medicare Part A and is eligible for the Home Health Benefit, then Medicare will pay for 80% of the allowable expense for medically required durable medical equipment. If a senior is covered by Medicare Part B, he/she is not required to qualify for the Home Health Benefit, and Medicare will cover 80% of the permissible amount for medically necessary durable medical equipment.

Veterans’ Administration (VA)

If the older adult is a veteran, the Veterans’ Administration can be of assistance in providing durable medical equipment to individuals who qualify. Veterans or the spouse of a veteran may be qualified for benefits.

Other Ways to Cover the Costs of Home Care Equipment

If the older adult you love doesn’t qualify for benefits from the VA or for Medicare, there are a few other possibilities to help cover the expense for home care products to keep older individuals safe. Following are several tips for making use of long-term care or health insurance and private finances to afford the equipment needed:

Long-Term Care Insurance/Health Insurance

Some private insurance providers will also cover some of the expenses if the devices are medically necessary. Coverage is either based on the person’s coverage, or, if the person seeking coverage is a dependent, then the family policy should be reviewed for information on dependent coverage.

Keep in mind, though, that while having your insurance provider cover some of the expense may seem like a good idea, it might be possible to find the products you need at an “out of network” supplier at a reduced price.

Paying Out of Pocket

If your older loved one requires home care equipment that is not covered by private insurance, try looking into equipment rental options or previously owned items such as wheelchairs, scooters and accessible vans. Second-hand equipment may be found in disability publications and on websites such as www.Craigslist.org, www.ebay.com, and www.unitedaccess.com.

If you need help looking into or covering the costs of home care equipment, contact the San Diego home care team at San Diego Home Caregivers today. We can provide a complimentary in-home consultation, make equipment recommendations, arrange for order and delivery, and answer any other home care questions you may have. Contact us online or call us at (619) 487-9000. We’re pleased to provide in-home care in San Diego, La Mesa, Carlsbad, and throughout San Diego County.

Your Go-To Guide for Assistive Home Care Products

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A senior using one of many types of assistive home care products gets help from a caregiver.

We can help you make the best decisions as you look into assistive home care products.

As older adults age at home, assistive home care products can make life easier and safer. There’s a large selection of adaptive equipment solutions for home care available on the market today that can enhance senior safety and help seniors to remain much more comfortable at home. At San Diego Home Caregivers, we want to provide you with some insider tips for purchasing and making use of some of the most widely used types of home care equipment.

Commodes

Instead of both an elevated toilet seat and a toilet safety framework, you can use a commode. Commodes are also more mobile and can be used separately beside the person’s bed.

Tips for purchasing:

  • Select a commode that comes with both a pail (including a lid) and a sleeve (for use over the toilet).
  • Try to choose one that comes with non-removable armrests and rubber tips on the legs instead of wheels, and check for strength.

Shower bench vs. shower board

Shower benches help older adults feel safer when they get in and out of the tub, substantially reducing the risk of falls.

The main advantages of shower benches over shower boards are that they come with backrests and are height adaptable. Having a taller surface makes rising from a seated position easier, and backrests supply more support to those who tire more easily. Shower boards can also be troublesome to fit correctly to a tub.

Tips for purchasing:

  • Make sure to also invest in a high quality hand-held sprayer that connects to the faucet and is easy to use.
  • Look for a shower bench that comes with a handle and backrest that can be adjusted to accommodate different sizes and types of tubs.

Rollators

A rollator is a 4-wheeled walker that comes with brakes, a seat, and a basket. Rollators are effective inside and outside the house, provide a readily available seat at all times, and let users carry items in the basket which allows them full control to steer the rollator.

Tips for purchasing:

  • Pick a compact, folding model so that it can fit in the trunk of a car.
  • Larger wheels are recommended, as they roll more efficiently on uneven ground and are overall more sturdy.
  • Try to get a rollator with a comfortable, cushioned seat.
  • Check the brakes before buying to make certain that they are not stiff or challenging to use.
  • Models that allow easy access to the basket while in the standard walking position are preferred.

For more suggestions and insight on assistive home care products, or for home care services to help a loved one enjoy a better quality of life and improve safety in the home, contact San Diego Home Caregivers online or call us at (619) 487-9000. We’re pleased to serve San Diego, La Jolla, Point Loma, and throughout San Diego County.

Get Continuous Care with 24-Hour Care for Seniors

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A woman smiles with her caregiver as she receives 24-hour care for seniors.

Learn more about 24-hour care for seniors and discover if it is right for your loved one.

Navigating the evolving needs of a loved one can be a journey filled with considerations and decisions. There was a time when Mom’s care requirements were a few days a week, for just a few hours each day. As her needs shifted, the idea of having a caregiver more consistently became apparent, with you offering care on weekends. Now, the realization dawns that Mom would benefit from someone present around the clock to ensure her needs are met and to handle any unforeseen emergencies. Read more

Explore the Benefits of Live-In Care

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A senior man gets help from his caregiver in the morning, one of the benefits of live-in care.

Discover the benefits of live-in care and how a caregiver’s presence during all hours of the day brings peace of mind.

As aging loved ones progress through life, their evolving needs prompt a reassessment of the most effective care model for them. Initially, their care journey might involve a home caregiver assisting with morning routines and meals. However, as time unfolds, a few hours of assistance each day may prove insufficient. Challenges may arise in the later hours or even the middle of the night, signaling the need for more comprehensive care. Read more

Tips for Discussing Aging Parent Care During Holiday Visits

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A senior woman enjoys a holiday meal with her family. Many adult children find it necessary to discuss aging parent care during holiday visits.

Observing changes in your parents’ health during a holiday visit? Approach the conversation about aging parent care with sensitivity and compassion.

Returning home for the holidays can be a heartwarming experience, filled with the joy of family gatherings and shared memories. However, for many adult children, it can also be a time of sobering realization – a moment when they observe subtle changes in the health and well-being of their aging parents. These changes may go unnoticed throughout the year, making the holiday season a reality check for the need to address potential aging parent care requirements. Read more

Navigating Holiday Blues: A Guide to Supporting Seniors Facing Seasonal Affective Disorder

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An elderly man looks out the window with a sad expression on his face. Seniors facing seasonal affective disorder need extra support this time of year.

Learn how to best support seniors facing seasonal affective disorder with our expert tips.

The holiday season is often regarded as a time of joy and togetherness, but for some, the colder months bring more than just festive cheer. Seasonal Affective Disorder (SAD), a form of clinical depression, can cast a shadow over the holidays, especially affecting seniors who may find themselves reminiscing about past celebrations with loved ones who are no longer present. Read more

How to Recognize Financial Trouble in a Senior Loved One

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A woman and her older father review his monthly budget because she wants to be sure to recognize financial trouble in a senior loved one.

These tips can help family caregivers recognize financial trouble in a senior loved one.

Taking care of a senior loved one can be a challenging task. As they age, it becomes increasingly important to ensure that they can manage their finances responsibly. Unfortunately, many seniors struggle with managing money. Understanding the signs that a senior loved one can no longer handle their finances is key to ensuring their financial security and well-being. Here are several signs of financial trouble in a senior loved one, as well as some tips on how to help.

Difficulties With Simple Math

One of the first signs that an older adult may no longer be able to handle their finances is difficulty with simple math. If you notice that a loved one is struggling with basic calculations, such as counting change or adding up bills, it may be time to consider other options for managing their finances. If you suspect cognitive issues, a visit to the doctor may also be in order.

Large Cash Withdrawals

Another sign that someone may not be able to manage their own finances is large cash withdrawals from ATMs. While there are some legitimate reasons for withdrawing larger amounts of cash, if you notice frequent and large withdrawals without explanation, this could be an indication of financial mismanagement or fraud. Talk to the person about their spending to get an idea of the big picture.

Unpaid Bills or Frequent Overdrafts

Unpaid bills or frequent overdrafts are red flags when it comes to managing finances in older adults. If you notice that bills aren’t being paid on time or if there are frequent overdrafts on accounts, it could mean that the person is having trouble keeping track of payments due or simply doesn’t have enough money coming in each month to cover expenses. You might try looking for an app that can help them keep track of due dates.

Fix It – Don’t Replace It

Helping a senior loved one maintain their home can be a cost-effective and rewarding endeavor. One example is fixing gadgets around the house instead of replacing them. If their Ring Doorbell is broken and flashing blue, it could be due to a variety of reasons such as booting up, recharging, or a poor Wi-Fi connection. Instead of buying a new one, you can find numerous resources online that provide step-by-step guides on how to troubleshoot and fix these issues. This approach not only saves money but also promotes resourcefulness and reduces waste, contributing to a more sustainable lifestyle

Time to Consider New Living Arrangements

Downsizing can be a financially savvy move for an older adult. Selling their home can free up substantial capital that could be invested or used for daily expenses, reducing financial stress. Additionally, the maintenance and utility costs can be lower, offering further savings. Moreover, thanks to online listings, finding a smaller residence has never been easier. These platforms provide detailed information about various properties, helping seniors find an place that fits their needs. This transition can offer both economic and convenience benefits.

Help Them Get Organized and Keep Detailed Records

It’s important to document detailed records on all transactions and accounts belonging to the senior so you can keep track of any suspicious activity or potential fraud attempts by unscrupulous individuals who may try to take advantage of them financially. Keeping detailed records will ensure that their accounts remain secure. Help the person get their records organized by using digital tools that can make paperwork easy to access.

Caring for a senior loved one can be challenging, but understanding the signs that they might not be able to handle their finances anymore is crucial in protecting them. Knowing what to look for is half the battle, so keep these signs in mind. When you feel a loved one is ready to sell their home, get professional help with a valuation and use a calculator to figure out the total figure you can expect. This will make both processes much easier.

San Diego Home Caregivers can help an older loved one maintain independence in the familiarity of home with professional in-home care services. Connect with us online or give us a call at (619) 487-9000 for more information.


Guest blog post provided by ElderFreedom.net.

Transforming a Senior’s Life with the Help of a Home Care Agency

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Senior couple at home focusing on angry man

The help of a quality home care agency like ours can help your senior loved one thrive and enjoy a higher quality of life.

Even though many older adults adapt smoothly when a new caregiver comes into the home, and enjoy a higher quality of life, there are some older adults who may still feel threatened. At San Diego Home Caregivers, we’re sensitive to the feelings of each individual we serve, and are experienced in helping to ease worries and restore peace.

A senior who feels the need to convince their family that hiring a home care agency is simply not needed may employ one of these common tactics:

  1. Arguing. Aggravations at being perceived as incapable of self-care may display as an increase in arguments, even over relatively minor issues. It’s important to recognize the underlying sense that the person needs to prove their ability to remain in control and in charge.
  2. Distancing from loved ones. The individual may show irritation through becoming standoffish and declining necessary support from family members. For example, an adult child who usually accompanies the person to medical appointments may now be prohibited by the person from going into the exam room.
  3. Concealing activities. If an agreement has been made for the person to restrict driving, for example, they may continue to drive when no one is around. Another example is refusing to adhere to a diabetic diet, eating unhealthily in private.
  4. Making dangerous choices. A senior who is encouraged to rest and allow someone else to handle a task that may now be unsafe, such as climbing a ladder to replace a lightbulb, may do just the opposite. In this way, they’re showing that they are still capable of activities such as this, but it could cause a fall and serious injury.

How Can I Help a Loved One Thrive With Home Care Services?

The truth is, no one wants to feel as though they are not able to meet their own day-to-day needs, or that they are in a state of decline. It’s very important to validate the important role the senior continues to play in our lives, and let them know often that they are both valued and needed. Several ways to accomplish this include:

  • Enlist the person’s help in meaningful tasks.
  • Reminisce about ways the senior has affected your life.
  • Ask the senior for advice.
  • Spend plenty of time listening to and engaging in conversations with the senior.

A professional caregiver from San Diego Home Caregivers will understand the many emotions older adults experience and the ways in which those emotions may present. All of our caregivers are trained and experienced in helping promote a sense of self-worth and fulfillment in life.

Get in touch with our home care agency at (619) 487-9000 for more tips and resources to pave the way to a smoother journey through aging! We offer a complimentary in-home meeting to answer any questions you have and to develop a care plan to address the particular needs of a senior you love in San Diego, La Mesa, La Jolla, Carlsbad, or other nearby areas. For a full list of the communities we serve in California, please visit our Communities Served page.

When Seniors Refuse Help: How to Approach Home Care Services

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cheerful mature woman serving breakfast and taking care of elderly senior woman at home

Home care services can help a senior loved one age in place and maintain independence.

As experts in home care services, we witness firsthand every day the companionship, joy, and improved quality of life older adults receive through our caregiver services. But we also know that many older adults initially reject the concept of in-home care assistance. Read more

Tips for Caring for a Senior After a Heart Attack or Stroke

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Help promote healing when caring for a senior after a heart attack or stroke with these helpful tips.

When a loved one experiences a stroke or heart attack, you will likely want to focus on a list of actions that can be taken to ensure that the damaged heart heals and the individual’s lifestyle choices that contributed to the heart attack are changed. San Diego Home Caregivers often receives calls from families looking for a list of actionable items – to-do lists for care and heart health. In a scenario fraught with chaos, lists give family caregivers a sense of control. They are the handbook for a caregiver’s new reality, helping them know what they can do to promote healing and keep another heart attack from taking place. Read more