Home Care Service Financing

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At this time, we do not accept government-funded insurance. Stay informed by subscribing to our monthly newsletter for the latest updates.

Long-term care insurance (LTC insurance) is a type of insurance designed to support individuals who require assistance with daily living activities due to chronic illnesses or disabilities as they age. This form of insurance can help cover various services that seniors may need, enhancing their quality of life and alleviating financial burdens.

LTC insurance typically covers services such as:

1. **Home Health Care**: This includes skilled nursing care provided at home as well as assistance with activities like bathing, dressing, and meal preparation.

2. **Homemaker Services**: These services aid with household tasks, including cleaning, laundry, and grocery shopping, ensuring a safe and comfortable living environment.

3. **Respite Care**: This provides temporary relief for primary caregivers, allowing them to take a break while ensuring that their loved one continues to receive necessary care.

4. **Memory Facilities**: This includes specialized care for individuals with dementia or Alzheimer’s disease in dedicated memory care units.

It’s important to note that long-term care insurance does not cover the costs of surgeries, prescription medications, or routine doctor's visits. This distinction is crucial for individuals considering LTC insurance, as it emphasizes the types of support that are included versus those that are not. Understanding these details can help families make informed decisions about planning for long-term care needs.ncing their quality of life and alleviating financial burdens.

Private Pay is one of the most common forms of payment. Paying privately for services is an option for individuals who want to remain living independently in their home and the flexibility of services. Midwest Helping Hands accepts all forms of payment Cash, Credit, and HSA (Health Savings Account).