Elder Care Options: What Are the Costs?

A growing number of seniors require care, but many families have concerns about the costs. There are many options that their loved ones have at their disposal, however, it often seems as though the options that are available are overwhelming. Fortunately, California residents have recourse to excellent in-home care options that make things easier for all involved.

Some of the advantages of in-home care include:

• Allowing seniors to remain in their own homes and continue their regular daily routine
• Recourse to experienced care to assist loved ones in managing health conditions
• Greater peace of mind with knowing that your loved one has the care they need if you don't live with them

How Much Does Health Care Cost?

In-home nurses are paid on an hourly basis that averages around $23 an hour. Much of the cost involved depends on the area, with areas that feature a dense population having a greater hourly cost. The length of time involved with the home visit may depend on several factors that include whether the senior requires medication and their specific health conditions.

Some of the considerations to keep in mind for costs include:

• Areas with low costs that average closer to $20 an hour include Riverside, Stockton, and Chico
• Santa Barbara, San Jose, and the Napa area have higher rates that range between $25 to $26 an hour
• There are several options that include waivers from Medi-Cal, the state's Medicaid program

Medi-Cal Options for Seniors

One of the helpful things about Medi-Cal is its waiver program that offers several options for seniors besides nursing homes. Home health care is one of these options, as well as modifications that make the person's home more accessible. Many low-income seniors in California are eligible, with some exceptions possible for seniors with income levels above the income restriction levels.

Some of the highlights of the Medi-Cal program include:

• Monthly income restrictions for either a single person or couple, along with a limit on assets that does not include the car or home
• A spend-down program with those whose assets are over the limits may opt for a program that includes only supportive, non-medical care or medical care in-home
• The spend-down program provides assistance through several waiver types

State Programs

The state of California also offers some options that are good for home care that are ideal for seniors who aren't Medi-Cal eligible. In-Home Supportive Services, also known as IHSS, has several options available for seniors or their families to choose. Having these choices helps make the process much easier for seniors in need and their loved ones. 

California Paid Family Leave is an option available to family caregivers. When a loved one requires care for a shorter-term period, this option allows a little more than half the caregiver's income to be replaced. However, a caregiver's employer is not required to help their job. Some families take advantage of this option while they are trying to work out a long-term home care solution.

Although finding out your loved one requires care is never easy, you are likely to be comforted knowing there are several options you can use. Your loved one is likely to be far happier being able to stay at home, and you will have greater peace of mind knowing that they are in capable hands. Home care is an option that you will find quite valuable. Contact Nurse Registry today to find out how we can help.