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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.