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Most members of Chinese families tend to stay in their own homes to receive care and retire.But as we grow older, such as cognitive decline, actions become inconvenient, and our lives may need some additional help and assistance.
For most elderly families, professional Home Care services (Care services for the elderly) It allows us to stay in the most comfortable family environment and receive these services, thus making the elderly life more convenient and safer.Therefore, Home Care has become one of the most used retirement services in the United States.
American Life Insurance Guide©️This "Chinese American Retirement Guide: Home Care", will help retired people understand,What is Home Care, which is the home care service for the elderly, what services it provides, related fees and prices, and how to pay for this fee if you can.Finally, we also provide the Top 2021 rankings of the cost of nursing care in various cities in the United States in 10 for your reference.
1. What is Home Care?
Home Care, In Chinese called "Home care services", in the United States is a mature elderly care service market. It refers toIn the customer's home, provide non-professional medical assisted living, or nursing services.
Home Care specifically includesGuardianship and care services for the elderly, And provide help in daily activities, such as eating, bathing, driving, medication reminders and so on.Home care services also provide companionship, social and daily cognitive activation services for the elderly.
In a family, when family members who take care of the elderly are busy with personal or work affairs, or when they need to travel,Also purchase and use "home care services",carry outCare services for the elderly.
2. Advantages and applicable groups of Home Care service
Home Care can allow many retired people to stay in a more familiar family environment without relocating to an assisted living nursing community, orElderly housing with care.
Home Care (home care service) is suitable for those elderly people who only need certain help, have relatively independent living habits, and do not have high requirements for daily professional medical care.
3. What services does Home Care provide?
Home Care (home care services) provides services ranging from simple elderly care, guardianship, cleaning and tidying of the room, to professionally trained daily life (ADLs) assistance services.These services are mainly divided into the following two categories:
3.1 Family escort services
An escort came to our home to provide accompanying care for the elderly, Especially those elderly people who feel lonely due to physical weakness, cognitive impairment (such as mild to moderate Alzheimer’s disease, also known as "senile dementia"), or living alone.
These escorts often act as the elderly"Hands, eyes, feet"The role of the old man is always guarded by the elderly.Services include taking the elderly to appointments, protecting those who are unstable, reading aloud for the elderly, accompany playing cards, preparing simple meals or snacks, and so on.
Accompanying nursing service is an ideal choice for some retirees. Otherwise, the elderly will have to spend the day alone without some simple help.
Long-term and friendly companionship services can bring practical help and psychological warmth to the retired elderly, and usually form a stable relationship.
3.2 Daily personal life assistance services
In addition to providing escorts, home care staff also provide assistance for various activities in daily life,From going to the supermarket to buy food, shopping and cooking, driving to the hospital to see a doctor, participating in social activities, to non-medical personal care services, such as helping with the toilet, dressing, grooming and bathing. The service items of Home care also include Respite Care.
Many families hire family caregivers to solve the daily life problems of family members.For example, a wife can help her spouse clean by hiring a caregiver; or a son who is concerned about privacy can hire a female carer to bathe his mother.
If the retired elderly have difficulty living alone, and their daily behaviors require partial assistance, but do not want to move to an "assisted living" elderly care community, then the services of family caregivers can also meet the needs of the retired elderly.
4. Home Care prices and fees
Due to the service nature of Home Care, the price is usuallyCalculated by hourly rate.
According to the 2020 nursing price survey report released by Genworth®️,The average hourly wage for home care services is $24.
If you hire a carer for 20 hours a week, the price per month is $1,950.If you hire a full-time care worker,Working 40 hours a week, the monthly cost is $3,900.
和Monthly cost of American nursing home (Nursing Home)Compared with home care, it is more than half cheaper.
Ranking of the most expensive and cheapest states/cities for Home Care services
One of the important factors in choosing a place to retire in the United States isHouse prices and the cost price of medical care.American Life Insurance Guide©️According to RTL data, a list of the 10 most expensive cities and the cheapest 10 cities with Home Care full-time services for retirement and retirement in the United States has been made.
Top 10 cities with the most expensive Home Care services
Top 10 cities with the lowest cost of Home Care services
(>>>Recommended reading:Where do you retired? Top 2019 cities in the U.S. for retirement and retirement in 10 )
5. Several ways for U.S. residents to pay for Home Care
Although we can purchase and pay for home care services at our own expense, there are actually more other options.The following methods are some of the payment methods commonly used by American families in addition to out-of-pocket payments:
- Long-term care insurance:The standard health insurance for U.S. residents does not cover the cost of home care, but some specific types ofLong-term care insuranceClaims will be provided for this type of service.Note that the insurance company will only accept claims after the ADLs meet the claim conditions.
- Elderly medical insurance/Medicare:The default medical insurance for people over 65 does not pay for home care.But we can purchase Part C of the 65-year-old medical insurance, or red and blue card supplement plan, to pay for part of the cost of home care services.
- Federal subsidy white card/Medicaid:The federal subsidized white card does not pay for guardianship care and general home care.The white card project will only pay for home medical services and related care after the personal family property and physical health reach a certain standard line.
- life insurance:By withdrawing additional terms in advance, funds can be withdrawn from the policy cash value account to pay for home care.If you want to start "Additional terms for chronic diseases",or"Long-term care additional terms"To make claims, and hope to use the claim money to pay for the cost of home care, then the insurance company will pay the claim only after the insured meets the conditions of the claim.
- Veterans benefits:If veterans in the family need assistance (one or more ADLs cannot be completed), the federal and state provide additional benefits to cover the cost of long-term care.Most veterans who need home care may be eligible to apply.You can apply directly on the VA website, or go to your local VA office to learn about the application.
- Reverse housing loan:Retired people aged 62 and above can use the federally insured HECM program for reverse housing loans and use the asset value of the real estate to pay for long-term care or home care.
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