Non-Medical, In Home Care Pricing Info in Massachusetts - KUAM.com-KUAM News: On Air. Online. On Demand.

Non-Medical, In Home Care Pricing Info in Massachusetts

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In Home Care

There are a lot of factors that go into the cost of non-medical home care services for somebody in their later years in life. At the most basic level, this includes the actual hiring, placement and oversight of the caregiver providing the support.

What factors play into the costs of non-medical, in-home care in Massachusetts?

There are a lot of factors that go into the cost of non-medical home care services for somebody in their later years in life. At the most basic level, this includes the actual hiring, placement and oversight of the caregiver providing the support.

While the biggest expense is actually the cost of hiring, onboarding and employing any given person, the main additional factors that play into the hourly costs of home care when you’re working with an agency include insurance, adaptability/agility, and ongoing guidance.

Although we don’t like to think about it, things can go wrong when we’re working with vulnerable populations providing one-on-one care and companionship. So he insurance, everything from liability to worker’s compensation to unemployment, is covered by the agency that you are working with.

Additionally, agencies are constantly onboarding new employees, to allow for quick and appropriate client/caregiver matches. At Seniors Helping Seniors Greater Boston & Metrowest, we have around 150 caregivers, allowing us to be agile and nimble, in order to make adjustments to caregiver staffing for a wide range of reasons. Agencies can ensure that you have sufficient coverage regardless of caregiver road bumps that can occur when working in human services.

Lastly, an agency provides professional oversight administrative and office team whose professional experience enable them to advise, guide, lend an ear, and even making recommendations on additional support resources if need be. Especially when working with families that are caring for a loved one with a neurodegenerative and progressive disease.

One of the biggest factors affecting pricing is the number of hours needed. There are also many variables associated with the TYPE of services offered (i.e. personal care vs. companion care). Costs are variable depending on what state you live in.

According to several recent studies, the National average is going to be around $4000 / mo & the average Hourly Rate for home care is $20 as well. Again, it fluctuates with the need.

States that are going to cost you more hourly in the $25 – $27 range are going to Hawaii, Alaska, North Dakota, Massachusetts, Minnesota, & Rhode Island. Alternatively, some of the “cheaper” states in the $16 – $18 range are going to be Louisiana, West Virginia, Alabama, Arkansas, Mississippi, George, North Carolina and Tennessee.

In additional to hourly rates mentioned above, for seniors that need around the clock care, Daily Rates can be arranged. Most care agencies are going to bill about $200 – $400 per day. This is, of course, dependent on regional cost of living, specialized needs, etc etc.

Another type you’ll see are Overnight Rates. We’ll see this type of billing for patients that don’t necessarily need as much attentive care during the day. They may use the bathroom too many times and need help getting up or have some sort of degenerative disease that causes them to wander off.

What kind of financial assistance can you receive either nationally or specifically in Massachusetts for non medical home care?

For non-medical in home care, at this point in time there are a few ways to receive financial assistance to defray the costs of care, so you do not need to pay privately.

  1. 800 Age Info: For seniors on a limited monthly income, they may be eligible to receive support from their local Aging Service Access Point (ASAP), who are funded by the state. ASAP’s are located throughout the state of Massachusetts and support specific towns/regions. Depending upon monthly income and need, your loved one may be eligible for free/reduced cost home care services. A good place to start is 800 Age Info.

  2. VA Aid and Attendance: For elderly veterans who need care, the Aid and Attendance benefit is a potential option to cover partial care costs. This benefit is for veterans and surviving spouses of veterans. To learn more, you should contact your local Veterans Affairs office.

  3. Long Term Care Insurance: Long Term Care Insurance is a form of insurance that covers non-medical services for those with a formal diagnosis of cognitive impairment, or for those older adults that need assistance with at least two Activities of Daily Living (ADL’s). Those things include eating, toileting, bathing, transferring, anything that you need to do each day to make sure its a productive, and successful, and safe day. Long Term Care Insurance needs to have been purchased before there is a need and there are any pre-existing conditions. Long Term Care Insurance policies are all different, but once enacted, can cover a certain daily dollar amount for care.

How do I determine whether to place my loved one in an Adult Living Facility versus hiring a Home Care Agency?

This is a complex and often layered question, so it’s important to consider your loved one’s entire situation – disease progression, as well as the family and financial situation.

In general, home care is a great place for people to get started. Over 90% of aging Americans state that they want to age in place and remain at home. So the first thing that families often do is they bring help to the home through agencies like Seniors Helping Seniors. We can go in and provide support, to help people remain as independent as possible, to help get those essential things done each day. And that could be anything from meals, to transportation, to housekeeping, to pure companionship to make sure that people aren’t completely socially isolated. We can go in and provide services anywhere from a couple hours a day all the way to 24 hour oversight and care.

When someone gets to the point where they can’t either afford the one-on-one care or are looking to transition to a community living situation, that’s when Assisted Living can make sense. Assisted Livings often have programs, activities, and meals, and there’s some light personal care assistance that residents receive as well. This includes medication reminders, assistance with bathing/grooming, dressing and more. In Massachusetts it’s pretty common that people are getting roughly one hour of care per day in Assisted Living, although this fluctuates based on the specific community and the level of care that each resident requires.

Beyond traditional Assisted Living, Memory Care Assisted Living, which provides more of an elevated level of support in care, programming and staffing that more traditional Assisted Living. In addition, it is a secure/locked unit, so that people who are a elopement risk can remain safe and are closely monitored by support staff.

And finally, for those that are less ambulatory, need full/total assistance to perform Activities of Daily Living and that need the highest level of oversight, nursing facilities are a placement option. Nursing facilities are covered by Mass Health and Medicaid or you can pay privately, depending upon the unique circumstances. It is usually the last step for families to go when selecting a care option for their loved one, as it has less of a home-like feel and more of an institutional/hospital feel.

What can people expect when working with Seniors Helping Seniors of Boston?

As you likely know, we have a rapidly aging population. So, if you’re not in the midst of caring for a loved one now, you likely will be in the not too distant future. And as I mentioned earlier, the vast majority of seniors want to remain at home for as long as possible. Home means security to them, it means family, it means familiarity. And that’s ultimately what people are looking for. And the way that families are structured today, living in different regions of the country/world, neighbors having less familiarity with one another, and are less apt/able to help. Most traditional family caregivers are also working full time and caring for their own children, making them more limited in terms of what they’re able to provide to their own parent.

Because of this, people are often looking for someone essentially act as their ambassador, to be their representative, to be that someone who genuinely wants to be there for their parents. When people start looking for help, to a place like Seniors Helping Seniors, they’re unable to further help their loved one without it interfering with their other responsibilities and commitments.

They want to feel confident knowing that when getting outside help, that it’s someone who is genuinely invested in providing help and someone who has more in common with their parent, with their family member, then you know, then just having a random person go in and provide this type of assistance. Because as you know, most people do not like getting help or don’t think they need help. So it’s a very delicate introduction of services.

So that’s really how Seniors Helping Seniors can really help as we can gently introduce the idea of getting help to someone or even to a family. And the second area as I said people really want to stay at home. But with that comes a lot of isolation because those people are no longer driving, they’re less able to get around to places that they were frequenting and seeing people.

So their life suddenly becomes a lot smaller and they need that connection to somebody. They need someone to take them out. They need someone to share their story with. To look at the pictures, to reminisce, to talk about current events. So the beauty of having an agency like Seniors Helping Seniors is that it feels like a family member intercepting and providing help. And then as people need more and more assistance at home, there are other services that can supplement what we do to make sure that people are safe and content at home.

Have a question about in-home care pricing? Call us today at (617) 877-3163

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